SOFI Should I Buy
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SoFi Technologies Inc (SOFI) is not a strong buy at this moment for a beginner investor with a long-term strategy. While the company has shown strong revenue growth and continues to diversify its offerings, recent insider selling, declining net income, and mixed analyst ratings suggest caution. Additionally, technical indicators do not support a clear entry point, and there are no strong proprietary trading signals. Holding off for a better entry point or more favorable signals would be prudent.
The MACD histogram is negative and expanding, indicating bearish momentum. RSI is neutral at 22.302, and moving averages are converging, suggesting indecision in price action. Key support is at $19.384, with resistance at $21.84. The stock is trading near its support level, but no strong bullish signals are present.
SoFi resumed cryptocurrency trading and launched a global remittance service, enhancing its competitiveness.
Introduction of a stablecoin and Smart Card to improve user experience and expand its market presence.
Analysts from JPMorgan and Citizens upgraded the stock, citing strong business momentum and diversification.
Insider selling has increased significantly by 684.96% in the last month.
Mixed analyst ratings with some firms lowering price targets and expressing concerns about valuation.
Net income and EPS have dropped significantly YoY, raising concerns about profitability.
In Q4 2025, revenue increased by 42.49% YoY to $863.43M, showing strong growth. However, net income dropped by 47.80% YoY to $173.55M, and EPS declined by 56.67% YoY to $0.13, indicating profitability challenges despite revenue growth.
Analyst sentiment is mixed. Some firms, like JPMorgan and Citizens, upgraded the stock citing strong business momentum and entry opportunities after the recent selloff. Others, like BofA and UBS, lowered price targets and expressed concerns about valuation and profitability. Price targets range from $20 to $38, with a median target around $24-$30.
