SoFi Stock Draws Heavy Retail Chatter Amid Wall Street Optimism: Here’s The New Price Target By Mizuho

SoFi Technologies Inc. (SOFI) stock drew investor attention on Friday with the digital financial services provider seeing a 72% increase in user message count over 24 hours on Stocktwits.

On Thursday, Mizuho Securities raised its price target on the stock $31 from $26, while keeping its ‘Outperform’ rating on the stock, according to TheFly. The move reflects confidence that SoFi stands to benefit should interest rates start falling. 

SoFi Technologies' stock traded over 3% higher on Friday morning. On Stocktwits, retail sentiment around the stock improved to ‘extremely bullish’ from ‘bullish’ territory the previous day amid ‘high’ message volume levels. A Stocktwits user expressed optimism about the company’s growth prospects. 

Mizuho’s research shows that companies in bank processing, lending, and financial exchanges are among those that typically gain when borrowing costs drop. The firm views SoFi’s “strong rate‑driven outlook” as justification for this higher valuation. 

The expectation is that lower interest rates will improve credit spreads, encourage more lending, and generally support SoFi’s financial performance. The lower-rate environment could drive higher demand for consumer and personal loans, two categories where SoFi has actively expanded its footprint. 

For the full year 2025, the company expects adjusted net revenue to be between $3.235 billion and $3.310 billion, up from its prior guidance range of $3.200 billion to $3.275 billion, compared to an analysts’ estimate of $3.42 billion, according to Fiscal AI data.

SoFi Technologies' stock has gained over 87% year-to-date and over 252% in the last 12 months. 

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