SoFi Stock Gains on Insider Buying and Analyst Upgrades

TLDR

• SoFi stock jumped 7% Friday after General Counsel Robert S. Lavet bought 5,000 shares for $105,200 and EVP Eric Schuppenhauer purchased 5,000 shares for $99,650
• Citizens upgraded SoFi from Market Perform to Market Outperform with a $30 price target, citing about 44% upside potential from current levels
• The company beat Q4 2025 earnings expectations with EPS of $0.13 versus $0.11 forecast and revenue of $1.03 billion versus $973.43 million expected
• JPMorgan upgraded SoFi to Buy from Hold, pointing to improved execution and attractive valuation after post-earnings pullback
• Corporate insiders have purchased $204,800 worth of stock over the last three months, signaling confidence in the company’s direction

SoFi Technologies stock climbed more than 7% Friday after two top executives made substantial share purchases. The buying activity came just days after the fintech company reported quarterly results that topped Wall Street estimates.

SoFi Technologies, Inc., SOFI

General Counsel Robert S. Lavet purchased 5,000 shares on February 6 for approximately $105,200. EVP Eric Schuppenhauer bought 5,000 shares a day earlier for roughly $99,650. The regulatory filings showed both executives stepping in to buy after shares had pulled back from recent highs.

The timing of these purchases caught investor attention. SoFi had just delivered fourth-quarter earnings that beat expectations on both the top and bottom lines. The company posted earnings per share of $0.13, topping the $0.11 consensus estimate.

Revenue reached $1.03 billion for the quarter. That number surpassed analyst forecasts of $973.43 million and marked the company’s continued expansion past the billion-dollar quarterly revenue mark.

Wall Street Firms Raise Price Targets

Citizens upgraded SoFi from Market Perform to Market Outperform on Sunday. The firm set a $30 price target, representing roughly 44% upside from the current price around $20.86. Citizens pointed to a market rotation away from growth stocks as the reason for the recent selloff rather than fundamental concerns.

The stock has dropped about 20% year-to-date after trading above $30 in late 2025. Citizens views this decline as creating an entry point for investors. The firm highlighted SoFi’s revenue growth of 35.6% over the last twelve months.

JPMorgan also moved on the stock after earnings. The bank upgraded SoFi to Buy from Hold with a $31 price target. JPMorgan analysts noted improved execution and steady growth in member and deposit numbers.

The upgrades came as other fintech companies face slower customer acquisition. SoFi continues adding members while competitors struggle to maintain growth rates.

Mizuho maintained its Outperform rating with a $38 price target. The firm recommended investors buy on weakness following the post-earnings dip. Needham adjusted its target to $33 from $36 but kept a Buy rating based on strong lending performance.

Insider Buying Shows Conviction

The recent executive purchases add to a pattern of insider buying. Corporate insiders have bought $204,800 worth of stock over the past three months according to regulatory filings.

Insider buying doesn’t guarantee future stock performance. However, it often signals that executives believe shares are undervalued at current prices. These purchases represent real money that executives are putting into the stock.

Citizens noted that SoFi is diversifying revenue toward fee-based and capital-light streams. The firm also pointed to under-modeled opportunities in blockchain, artificial intelligence, business banking, and new loan platform products.

The stock has traded between $8.60 and $32.73 over the past 52 weeks. Current prices sit in the middle of that range after the recent pullback from highs.

SoFi continues to grow its member base and product offerings. The company is monetizing its platform while expanding into new business lines. The combination of strong quarterly results, analyst upgrades, and executive buying has pushed shares higher this week.

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