SOFI Analyst Ratings

Citizens upgraded SoFi to Mkt Outperform ($30) on Feb 9, and JP Morgan upgraded to Overweight ($31) on Feb 3. Needham reiterated Buy ($33). Consensus is Buy at $216 average target — first $1B revenue quarter and record profitability driving upgrades.

ANALYST RATINGS

Hold$23

SOFI

Mkt Outperform$30

Upgrade

2026-02-09

Overweight$31

Upgrade

2026-02-03

Buy$33

Reiterated

2026-02-02

Underperform$20.50

Resumed

2026-01-06

Buy$29

Reiterated

2025-09-10

Upgrade

2026-02-09

Citizens

RatingMkt Outperform

FromMkt Perform

Target$30

From—

Upgrade

2026-02-03

JP Morgan

RatingOverweight

FromNeutral

Target$31

From—

Reiterated

2026-02-02

Needham

RatingBuy

From—

Target$33

From$36

Resumed

2026-01-06

BofA Securities

RatingUnderperform

From—

Target$20.50

From—

Reiterated

2025-09-10

Needham

RatingBuy

From—

Target$29

From$25

Initiated

2025-08-01

Rothschild & Co Redburn

RatingNeutral

From—

Target$20.50

From—

Resumed

2025-07-14

Goldman

RatingNeutral

From—

Target$19

From—

Initiated

2025-07-11

TD Cowen

RatingHold

From—

Target$21

From—

Initiated

2025-06-12

Stephens

RatingOverweight

From—

Target$20

From—

Initiated

2025-06-02

Truist

RatingHold

From—

Target$14

From—

Initiated

2025-04-25

Citizens JMP

RatingMkt Outperform

From—

Target$17

From—

Downgrade

2025-01-02

Keefe Bruyette

RatingUnderperform

FromMkt Perform

Target$8

From$7

Downgrade

2024-12-09

BofA Securities

RatingUnderperform

FromNeutral

Target$12

From—

Resumed

2024-04-08

Citigroup

RatingBuy

From—

Target$11

From—

Upgrade

2024-04-05

Keefe Bruyette

RatingMkt Perform

FromUnderperform

Target$7.50

From$6.50

Initiated

2024-04-03

Needham

RatingBuy

From—

Target$10

From—

Downgrade

2024-01-31

Morgan Stanley

RatingUnderweight

FromEqual-Weight

Target$6.50

From$7