UBS Lowers SoFi Technologies (SOFI) PT to $24.50 Following Mixed Performance

SoFi Technologies Inc. (NASDAQ:SOFI) is one of the worst AI stocks to invest in according to Reddit. On February 2, UBS lowered its price target for SoFi Technologies from $27.50 to $24.50 with a Neutral rating. The firm noted that SoFi’s adjusted net revenue and EBITDA modestly exceeded expectations, fueled by strong performance in Financial Services and a significant beat in Technology Platform profitability. Additionally, the firm highlighted that capital-light, fee-based revenue reached a record high during the period.

On the same day, TD Cowen lowered the price target for SoFi Technologies to $24 from $25 while maintaining a Hold rating. The firm attributed SoFi’s Q4 2025 earnings beat to increased loan platform originations and a higher take rate, noting that the company’s 2026 guidance outperformed consensus expectations.

Needham also cut its price target for SoFi Technologies Inc. (NASDAQ:SOFI) to $33 from $36 with a Buy rating on the shares. The firm noted that its Q4 results exceeded Street estimates for both revenue and earnings, supported by a core on-balance-sheet lending segment that continues to perform well.

SoFi Technologies Inc. (NASDAQ:SOFI) provides various financial services in the US, Latin America, Canada, and Hong Kong. It operates through three segments: Lending, Technology Platform, and Financial Services.

While we acknowledge the potential of SOFI as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you’re looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock.

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Disclosure: None. This article is originally published at Insider Monkey.