• Citigroup upgrades SoFi Technologies (NASDAQ:SOFI) to "Outperform" with a stock price of $20.86.
• SoFi reports its first $1 billion revenue quarter in Q4 2025 and projects a 30% year-over-year revenue growth and a 52% increase in Adjusted EBITDA for 2026.
• The company focuses on expanding margins and transitioning towards capital-light, fee-based revenues, with a loan platform performing well and cross-selling efforts reaching 40%.

SoFi Technologies (NASDAQ:SOFI) is a financial technology company that offers a range of services including loans, banking, and investment products. It competes with other fintech firms like Square and PayPal. On February 9, 2026, Citigroup upgraded SoFi's stock to "Outperform," with the stock priced at $20.86, as reported by StreetInsider.

SoFi's recent performance has been strong, achieving its first $1 billion revenue quarter in Q4 2025, along with record profitability. Despite a more than 20% decline in share price, the company remains optimistic. It projects a 30% year-over-year revenue growth and a 52% increase in Adjusted EBITDA for 2026, indicating a positive outlook.

The company is focusing on expanding margins and transitioning towards capital-light, fee-based revenues. Its loan platform is performing well, consistently selling tranches above par. Additionally, SoFi's cross-selling efforts have reached 40%, supporting its durable and diversified growth. This strategy has led to upgrades from large banks, reinforcing a bullish long-term perspective.

Currently, SoFi's stock price is $20.86, reflecting a $1.40 increase, or approximately 7.19%. Today, the stock has traded between $20.04 and $21.16. Over the past year, it has reached a high of $32.73 and a low of $8.60. The company's market capitalization is approximately $26.29 billion, with a trading volume of 67,020,896 shares on the NASDAQ exchange.