SoFi Insiders Buy the Dip as Wall Street Divides

SoFi ( (SOFI) ) has been popular among investors this week. Here is a recap of the key news on this stock.

SoFi is drawing fresh attention from both insiders and Wall Street as its stock whipsaws after record results. In back-to-back days, senior executives including General Counsel Robert S. Lavet and Executive Vice President Eric Schuppenhauer bought a combined 10,000 SoFi shares, spending just over $200,000. These insider purchases come as the stock trades around the high-teens to low-$20s, down roughly 10–12% in the past week and more than 20% year-to-date, despite still being up over 40% across the last 12 months. The pullback follows a strong 4Q25 earnings report and upbeat 2026 guidance, suggesting the recent weakness is more about a valuation reset than deteriorating fundamentals.

Options markets underscore just how divided traders are on SoFi. Daily options volume has surged to nearly 300,000 contracts, with puts and calls seesawing for dominance and implied volatility hovering well above its 52-week median, signaling expectations of big daily price swings. While TipRanks’ AI analyst Spark rates the stock Neutral, citing rich valuation (around 44x earnings) and weak cash flow quality, JPMorgan’s Reginald Smith has turned bullish, upgrading SoFi to Buy with a $31 target—about 40% upside from recent levels. He points to “undeniable” execution: accelerating member and deposit growth, a nearly $40 billion loan book producing meaningful GAAP profits, rapid expansion of higher-margin, capital-light businesses, and ambitious medium-term goals of 30%+ annual revenue and EPS growth. With a market cap around $26 billion and a technical “Buy” signal, SoFi is emerging as one of the more controversial, high-beta fintech names—punishing on bad days, but increasingly seen by some as a long-term digital banking winner for investors willing to ride the volatility.