SoFi Stock Sinks as Bulls Double Down on Rally

SoFi ( (SOFI) ) has fallen by -9.60%. Read on to learn why.

SoFi Technologies shares fell 9.60% over the past week, extending a broader pullback that has left the stock more than 20% lower for the year despite strong operating momentum. The decline appears driven less by company-specific bad news and more by a market-wide “risk‑off” shift away from high‑growth, tech‑heavy names. Analysts note that SoFi has simply “de‑rated” after a big run, with investors reassessing valuations in fintech and other speculative‑adjacent stories even as SoFi continues to post record results.

Fundamentals remain robust. SoFi just delivered a standout fourth quarter with revenue topping $1 billion, adjusted EBITDA jumping 60% year over year, and the company logging its ninth straight GAAP‑profitable quarter. Membership climbed to 13.7 million and total products to 20.2 million, reflecting the success of its “one‑stop shop” digital banking model and strong cross‑selling, with 40% of new products coming from existing members. At the same time, SoFi is steadily shifting its mix toward higher‑margin, fee‑based and capital‑light businesses, including tech platform fees, new financial services offerings, and early moves in blockchain and consumer crypto trading via its SoFiUSD stablecoin.

Insiders and several top‑ranked analysts are treating the weakness as a chance to buy. Senior executives, including the general counsel and an executive vice president, have bought shares on the open market in recent days, contributing to a broadly positive insider‑sentiment reading. Citizens’ Devin Ryan and J.P. Morgan’s Reginald Smith both upgraded or reiterated bullish ratings, highlighting SoFi’s “compounding at scale,” clearer earnings power and long‑term EPS growth targets north of 30% a year. While Wall Street’s overall stance is still a cautious Hold, with a wide spread of Buy, Hold, and Sell ratings, the combination of strong fundamentals, insider buying and upbeat price targets is keeping SoFi firmly on the radar of investors willing to stomach short‑term volatility for potential long‑term gains.