UBS Cuts SoFi Target to $24.50 as Fee Revenue Hits Record High
UBS cut SoFi’s price target from $27.50 to $24.50 after adjusted net revenue and EBITDA modestly beat expectations, driven by Financial Services strength and record fee revenue. TD Cowen cut its target to $24 on $3.7B Q4 loan originations and higher take rates, while Needham trimmed its target to $33.
1. Analyst Price Target Cuts
UBS reduced its price target on SoFi from $27.50 to $24.50 and maintained a Neutral rating. On the same day, TD Cowen lowered its target to $24 with a Hold rating, while Needham trimmed its projection to $33 despite maintaining a Buy stance.
2. Q4 Financial Performance
SoFi’s adjusted net revenue and EBITDA modestly exceeded expectations in Q4 2025, driven in part by $3.7 billion of loan platform originations and an increased take rate that supported the earnings beat and robust guidance for 2026.
3. Segment Highlights
Financial Services delivered strong results, Technology Platform profitability outperformed forecasts, and capital-light, fee-based revenue reached a record high, underscoring improved growth efficiency across the company’s lending and membership cross-sell initiatives.