12 Worst AI Stocks to Invest In According to Reddit

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5. SoFi Technologies Inc. (NASDAQ:SOFI)

Number of Hedge Fund Holders: 44

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.

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