SoFi Technologies (NASDAQ:SOFI) Stock Sees Heavy Call Option Buying

SoFi Technologies, Inc. (NASDAQ:SOFI) saw unusually large options trading on Thursday. Stock investors acquired 451,283 call options on the stock. This is an increase of 26% compared to the typical daily volume of 358,676 call options.

Key SoFi Technologies News

Here are the key news stories impacting SoFi Technologies this week:

• Positive Sentiment: SoFi continues to show strong operating momentum, including record loan originations, deposits and member growth. Second-quarter adjusted revenue reportedly increased about 40% year over year, supporting the long-term bullish case. SoFi Stock Is Down 46% Over the Past Year. Buy Now or Wait for Q3?
• Positive Sentiment: The company’s large deposit base and banking charter provide relatively flexible, lower-cost funding and support continued lending activity. Lending remains SoFi’s largest adjusted gross-profit contributor, which could benefit earnings if credit conditions remain manageable. SoFi: The Market Will Wake Up From Its Hangover Eventually
• Positive Sentiment: An analyst cited in recent coverage believes the shares could potentially double in 2027, arguing that the stock’s sharp decline has created an attractive long-term setup if SoFi maintains its growth trajectory. SoFi Technologies Imploded in 2026
• Neutral Sentiment: Unusually heavy call-option activity—about 451,000 contracts purchased, roughly 26% above average—signals increased speculative interest, but does not guarantee sustained buying or a lasting recovery.
• Neutral Sentiment: Investors are awaiting third-quarter results for evidence that revenue growth, loan demand and profitability can remain strong as the macroeconomic backdrop becomes more difficult.
• Negative Sentiment: Analysts warn that higher rates could pressure SoFi’s margins and lending growth. Longer-term revenue growth is also expected to moderate to just above 20%, making the stock’s valuation more difficult to justify if earnings momentum slows. Rising Rate Pressure Tests the Case For SoFi Stock
• Negative Sentiment: Recent broker coverage has generally settled on a “Hold” view, while technical analysts describe any rebound as potentially a “dead-cat bounce.” SoFi’s proximity to a new one-year low reinforces the market’s cautious stance. SoFi Stock Rated Hold

SoFi Technologies Stock Down 3.6%

Shares of NASDAQ SOFI traded down $0.54 during trading on Friday, reaching $14.55. The company had a trading volume of 59,372,709 shares, compared to its average volume of 49,785,992. SoFi Technologies has a 12-month low of $13.86 and a 12-month high of $32.73. The company has a quick ratio of 0.10, a current ratio of 0.74 and a debt-to-equity ratio of 0.30. The business’s 50-day moving average is $17.09 and its 200 day moving average is $17.11. The stock has a market cap of $18.79 billion, a PE ratio of 30.31, a P/E/G ratio of 0.88 and a beta of 2.33.

SoFi Technologies (NASDAQ:SOFI) last posted its quarterly earnings results on Wednesday, July 29th. The company reported $0.12 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.11 by $0.01. SoFi Technologies had a return on equity of 6.22% and a net margin of 14.78%. The firm had revenue of $1.21 billion during the quarter, compared to analyst estimates of $1.11 billion. During the same quarter in the previous year, the firm earned $0.08 EPS. SoFi Technologies’s quarterly revenue was up 42.5% compared to the same quarter last year. SoFi Technologies has set its FY 2026 guidance at 0.600-0.600 EPS. As a group, equities analysts forecast that SoFi Technologies will post 0.60 earnings per share for the current fiscal year.

Analyst Ratings Changes

Several brokerages recently issued reports on SOFI. Scotiabank started coverage on shares of SoFi Technologies in a research note on Wednesday, September 2nd. They issued a “sector outperform” rating and a $25.00 price target for the company. Stonex Financia raised shares of SoFi Technologies to a “strong-buy” rating in a research note on Monday, October 12th. Needham & Company LLC cut their price objective on shares of SoFi Technologies from $25.00 to $24.00 and set a “buy” rating on the stock in a report on Thursday, July 30th. TD Cowen decreased their target price on shares of SoFi Technologies from $18.00 to $17.50 and set a “hold” rating for the company in a research note on Tuesday, October 6th. Finally, Loop Capital started coverage on shares of SoFi Technologies in a report on Tuesday, September 8th. They set a “hold” rating and a $22.00 target price for the company. Two investment analysts have rated the stock with a Strong Buy rating, nine have assigned a Buy rating, eleven have issued a Hold rating and three have assigned a Sell rating to the company. According to MarketBeat.com, the stock presently has a consensus rating of “Hold” and a consensus target price of $22.20.

Insider Buying and Selling at SoFi Technologies

In other SoFi Technologies news, CTO Jeremy Rishel sold 18,624 shares of the stock in a transaction on Monday, September 21st. The stock was sold at an average price of $17.50, for a total value of $325,920.00. Following the completion of the transaction, the chief technology officer owned 912,650 shares in the company, valued at approximately $15,971,375. This represents a 2.00% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which can be accessed through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, EVP Kelli Keough sold 10,203 shares of the firm’s stock in a transaction on Monday, September 21st. The shares were sold at an average price of $16.99, for a total value of $173,348.97. Following the transaction, the executive vice president directly owned 408,073 shares of the company’s stock, valued at $6,933,160.27. This represents a 2.44% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Over the last ninety days, insiders sold 51,067 shares of company stock worth $890,716. 2.50% of the stock is owned by insiders.

Institutional Inflows and Outflows

Several hedge funds and other institutional investors have recently made changes to their positions in the company. Reflection Asset Management bought a new stake in shares of SoFi Technologies during the fourth quarter valued at approximately $28,000. SHP Wealth Management purchased a new position in SoFi Technologies in the 4th quarter worth approximately $36,000. Compass Financial Management LLC bought a new position in SoFi Technologies in the 2nd quarter valued at approximately $34,000. Cornerstone Planning Group LLC lifted its position in SoFi Technologies by 232.1% in the 1st quarter. Cornerstone Planning Group LLC now owns 2,099 shares of the company’s stock valued at $34,000 after acquiring an additional 1,467 shares in the last quarter. Finally, Markowski Investments bought a new position in SoFi Technologies in the 2nd quarter valued at approximately $38,000. Institutional investors own 38.43% of the company’s stock.

SoFi Technologies Company Profile

SoFi Technologies, Inc is a financial technology company that provides digital financial services through its SoFi platform. Founded in 2011 as a student-loan refinancing business, the company has expanded into a broader digital banking and personal-finance provider serving consumers primarily in the United States.

SoFi offers products including personal loans, student-loan refinancing, home loans, checking and savings accounts, credit cards, investment accounts, and financial-planning tools.