SoFi Stock Surges 7% as Executives Buy Shares After Earnings

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SoFi stock surged 7% Friday after two executives bought shares totaling over $200,000 following the company’s Q4 earnings beat
Citizens upgraded the stock to Market Outperform with a $30 target, while JPMorgan moved to Buy with a $31 target
The fintech company posted Q4 EPS of $0.13 versus $0.11 expected and revenue of $1.03 billion versus $973.43 million forecast
Insiders have purchased $204,800 in stock over the past three months, showing management confidence
The stock has dropped 20% year-to-date despite strong revenue growth of 35.6% over the last twelve months

SoFi Technologies shares jumped over 7% Friday following insider purchases by two company executives. The buying activity occurred just days after the fintech platform reported quarterly results that exceeded analyst estimates.

SoFi Technologies, Inc., SOFI

General Counsel Robert S. Lavet acquired 5,000 shares for approximately $105,200 on February 6. EVP Eric Schuppenhauer purchased 5,000 shares the previous day for roughly $99,650. Both executives bought shares after the stock pulled back from recent highs.

The purchases followed SoFi’s fourth-quarter earnings announcement. The company reported earnings per share of $0.13, beating the consensus estimate of $0.11. Revenue hit $1.03 billion for the quarter, surpassing expectations of $973.43 million.

Analyst Upgrades Drive Momentum

Citizens upgraded SoFi from Market Perform to Market Outperform with a $30 price target. The upgrade represents about 44% upside from current levels around $20.86. The firm attributed the recent selloff to broader market rotation rather than company-specific issues.

JPMorgan also upgraded the stock to Buy from Hold. The bank set a $31 price target and highlighted improved execution and steady member growth. Analysts noted that SoFi continues adding customers while some competitors experience slower growth.

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

The stock has fallen roughly 20% year-to-date after trading above $30 in late 2025. Citizens views this decline as creating an opportunity for investors. The company has grown revenue 35.6% over the past twelve months.

Insider Activity Signals Confidence

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

While insider buying doesn’t guarantee future gains, it often attracts investor attention. Executives are investing their own capital at current price levels.

Citizens highlighted SoFi’s shift toward fee-based and capital-light revenue streams. The firm also pointed to opportunities in blockchain, artificial intelligence, business banking, and new loan platforms.

The stock has traded between $8.60 and $32.73 over the past 52 weeks. Current prices sit near the middle of that range following the pullback.

SoFi continues expanding its member base and product portfolio. The company is monetizing its platform while entering new business verticals. The combination of earnings results, analyst upgrades, and insider purchases pushed shares higher this week.

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