Needham raises SoFi Technologies stock price target to $25 on strong Q2

Published 30/07/2025, 13:16
Needham raises SoFi Technologies stock price target to $25 on strong Q2

Investing.com - Needham raised its price target on SoFi Technologies (NASDAQ:SOFI) to $25.00 from $20.00 on Wednesday, while maintaining a Buy rating following the fintech company’s strong second-quarter performance. The stock, currently trading at $22.40, has delivered an impressive 201.89% return over the past year. According to InvestingPro analysis, SoFi appears to be trading above its Fair Value.

The financial services company reported second-quarter results that exceeded both Needham’s and Wall Street’s expectations for top and bottom lines. The outperformance was primarily attributed to growth in SoFi’s loan platform business, which continues to accelerate amid solid private credit demand. With a robust revenue growth of 23.62% and an overall Financial Health score of GOOD from InvestingPro, the company demonstrates strong operational momentum.

Following its earnings report, SoFi raised approximately $1.5 billion through a secondary common stock offering. Needham estimates this capital raise boosts the company’s total risk-based capital at the holding company level by approximately 440 basis points.

Needham views the pricing of the stock offering at roughly 4.4 times tangible book value as opportunistic. The research firm believes the additional capital strengthens SoFi’s ability to reach or exceed its previously provided 2026 earnings per share target of $0.55-$0.80.

The capital raise is also expected to help SoFi gain additional institutional investment interest, according to Needham’s analysis of the company’s financial position.

In other recent news, SoFi Technologies announced a public offering of $1.5 billion in common stock, pricing 71,942,450 shares at $20.85 per share. This offering is expected to generate approximately $1.5 billion in gross proceeds, with the company granting underwriters a 30-day option to purchase an additional 10,791,367 shares at the same price. The funds raised are intended for general corporate purposes, including working capital and other business opportunities. SoFi’s decision to issue new shares has been met with mixed reactions, as reflected in a recent stock price decline. Meanwhile, BofA Securities has raised its price target for SoFi to $15, up from $13, despite maintaining an Underperform rating. The firm noted solid performance and management execution in SoFi’s latest quarterly results, highlighting growth in financial services and lending account additions. These developments underscore ongoing investor interest and analyst attention surrounding SoFi Technologies.

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