1. Why did SoFi Technologies stock fall after strong Q4 earnings?

SoFi Technologies stock declined because several analysts lowered their price targets despite strong revenue growth. Investors were concerned about valuation levels and forward guidance. The reaction was more about expectations than results.

2. Did SoFi Technologies beat earnings expectations in Q4?

Yes, SoFi Technologies reported revenue above $1 billion and exceeded Wall Street estimates. The company also posted strong adjusted EBITDA growth. However, guidance for the next year did not impress all analysts.

3. Which analysts cut price targets on SoFi Technologies?

UBS lowered its price target to $24.50, TD Cowen trimmed its target to $24, and Needham reduced its target to $33. Most firms kept neutral or hold ratings. The cuts reflected valuation concerns rather than business weakness.

4. Is SoFi Technologies still a good long term investment?

Many analysts maintain a Hold rating, showing mixed sentiment. The company continues to grow members, revenue, and loan originations. Long term potential remains, but valuation risk is a key factor.

5. What is the current price target consensus for SoFi Technologies?

The average analyst price target for SoFi Technologies is around the mid $20 range. Some targets remain above $30, while others are more conservative. The consensus rating currently stands at Hold.

US Stocks

SoFi Technologies Stock Hit by PT Cuts Post Q4 Results

ByRubaisha February 9, 2026February 9, 2026

In the fast-moving world of fintech stocks, SoFi Technologies has suddenly become a focal point for investors navigating mixed earnings signals, shifts in analyst sentiment, and a volatile market backdrop. After SoFi Technologies’ Q4 2025 earnings beat consensus expectations, the stock nonetheless came under pressure as several top Wall Street firms cut price targets on the shares. The resulting reaction sent the company’s valuation sliding, sparking questions about near-term growth prospects, guidance interpretation, and the broader investment thesis for this leading digital financial firm.