SoFi Stock Gains on Mastercard Crypto Deal and $1 Million CEO Buy

TLDR

• SoFi’s momentum score surged from 39.06 to 63.72 in a single week
• SoFiUSD stablecoin will now settle payments across Mastercard’s global network
• CEO Anthony Noto bought ~$1 million worth of SOFI stock at $17.88 per share
• Q4 revenue hit $1.01 billion, up 39.6% year-over-year, beating estimates
• SOFI is down 29.22% year-to-date but up 64.56% over the past 12 months

SoFi Technologies had a busy week. A stablecoin deal with Mastercard, a CEO stock purchase, and a strong earnings beat all landed around the same time — and the market took notice.

SoFi Technologies, Inc., SOFI

The company’s momentum score jumped from 39.06 to 63.72 in a week, according to Benzinga Edge rankings. That’s a sharp move, and it didn’t happen in a vacuum.

The big news was SoFiUSD. SoFi’s U.S. dollar-pegged stablecoin will now work as a settlement option inside Mastercard’s global payments network. That means faster transactions and easier cross-border payments, placing SoFi at the intersection of traditional finance and blockchain infrastructure.

A partnership with BitGo Holdings will back the distribution side, helping SoFiUSD reach institutional clients at scale.

CEO Puts His Money Where His Mouth Is

CEO Anthony Noto bought around $1 million worth of SOFI stock last week, picking up 56,000 units at an average price of $17.88. His total ownership now stands at over 11 million units.

It’s the kind of move that gets attention. When a CEO buys at current market prices, it tends to carry a bit more weight than a standard earnings call.

Insider activity wasn’t all one direction, though. Director Steven Freiberg sold 94,225 units at $20.31 in early February, and General Counsel Robert Lavet bought 5,000 units at $21.04 around the same time. Insiders have net sold 214,753 units over the past three months.

On the earnings front, SoFi beat Q4 EPS estimates — posting $0.13 against a $0.12 consensus. Revenue came in at $1.01 billion for the quarter, up 39.6% from the same period a year earlier and above the $984.75 million analyst estimate. That compares to $0.05 EPS in Q4 the prior year.

For Q1 2026, the company is guiding for EPS of around $0.12. Full-year 2026 guidance sits at $0.60 EPS.

Where the Stock Stands Now

SOFI closed up 1.31% on Wednesday at $18.53, touching an intraday high of $18.85. Volume came in at around 58.7 million — a slight dip from the daily average of 62.7 million.

The stock is down 29.22% year-to-date and has pulled back 28.62% over the last six months. Its 50-day moving average is $22.62 and 200-day is $25.81.

Analyst views are mixed. Bank of America has an “underperform” rating with a $20.50 target. Goldman Sachs rates it “neutral” with a $24 target, down from $27. Needham kept its “buy” with a $33 target, down from $36. Barclays rates it “equal weight” with a $28 target. The consensus across 18 analysts is “Hold” with an average target of $26.34.

Institutional ownership sits at 38.43%, with several funds adding to positions in Q4.

SOFI was down 1.51% in premarket trading on Thursday.

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