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.

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

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 to grow, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and have limited downside risk. If you are looking for an AI stock that is more promising than SOFI and that has 100x upside potential, check out our report about this cheapest AI stock.

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