Insider buying is not, in itself, a reason to buy a stock. But it can be a strong supporting signal. Right now, that signal is showing up in Nike (NYSE: NKE), Lamb Weston (NYSE: LW), and SoFi Technologies (NASDAQ: SOFI).

Nike Insider Buying Signals Possible Bottom Despite Ongoing Headwinds

Over the last few months, Nike’s shares have been crushed. And the reasons are warranted. The company’s high debt, low margins, and a price-to-earnings (P/E) ratio of 29, which is somewhat higher than the competition, make the stock a pass for me.

The company didn’t do itself any favors with its latest guidance either, warning that fourth-quarter sales could fall 2% to 4% year over year. That’s causing a problem because if we look back at prior management comments, the company expected to see improvements later this year. The latest guidance now says investors will just have to keep waiting to see if that happens at all.

That’s a notable shift from earlier optimism about a second-half recovery—and it helps explain why investor patience is starting to wear thin.

But not everyone is backing away.

Apple CEO Tim Cook recently purchased 25,000 shares at about $42.23 per share, a $1.06 million investment. Around the same time, Nike CEO Elliott Hill bought more than 23,660 shares at roughly $42.27 per share.

While insider buying doesn’t erase the company’s challenges, it does suggest that leadership sees the current weakness as potentially overdone or at least temporary.

Lamb Weston Insider Buying and Activist Interest Point to Value Opportunity

American food processing company, Lamb Weston Holdings, one of the world’s largest producers and processors of frozen French fries, waffle fries, and other frozen potato products. LW fell sharply from around $60 in late 2025 to a 2026 low near $38. Weak demand, soft guidance, and rising competition in frozen foods have all played a role.

That kind of move tends to get attention—and in this case, it’s attracting insider buying. For example, activist hedge fund Jana Partners stepped in aggressively, buying about $9.7 million worth of stock on April 7 at an average price near $40.89, followed by another 100,000 shares the next day at $41.41.

Company leadership is also participating. Director Norman Prestage, who is also a member of Lamb Weston’s audit and finance committee, purchased 2,500 shares at $41.41. When you see both an activist investor and internal leadership buying at similar levels, it often signals a belief that the downside may be limited from here.

SoFi Insider Buying Bullish Momentum After Post-Earnings Pullback

Insiders are also buying SoFi Technologies after a post-earnings dip. General counsel Rob Lavet bought 5,000 shares at about $21.04, while executive Eric Schuppenhauer picked up another 5,000 shares at $19.93.

At the same time, the stock is starting to look technically oversold, which can create a more attractive entry point for investors willing to ride out volatility.

Wall Street is also starting to lean more bullish. JPMorgan recently upgraded SoFi to overweight, pointing to strong momentum in member growth and deposits, along with continued investment in marketing to drive long-term engagement.

What Insider Buying in These Stocks Means for Investors Now

Insider buying should never be viewed as a standalone investment signal, but it can be an important piece of the puzzle. When executives and directors commit their own capital—especially during periods of weakness—it often suggests a belief that the market may be mispricing risk or overestimating near-term challenges.

Right now, several insider buying stocks are emerging after recent pullbacks, offering investors potential entry points backed by those who know the business best.

Here are three names to watch closely.

Palo Alto Networks Gets a CEO Vote of Confidence

After a bad start to the year, Palo Alto Networks (NASDAQ: PANW) just saw a massive vote of confidence from CEO Nikesh Arora. On March 27, according to US SEC filings, he bought 68,085 shares at prices ranging from $146.46 to $147.48.

Supporting that purchase is the substantial demand for AI-driven cybersecurity. And according to analysts at Macquarie, the speed and scale of AI-driven attacks will drive even greater demand, which should boost cyber stocks such as PANW. 

Wells Fargo also initiated an overweight rating on PANW with a $200 price target. “We view recent stock dislocation as a favorable entry point for exposure to nearly every major secular trend in cybersecurity,” analyst Michael Turrin said, as quoted by Seeking Alpha. “Although M&A creates [near-term] risk, we ultimately see [long-term] reward of path [toward] 10% share in a $300B+ market.”

PANW also boosted its share buyback program, approving an additional $1 billion buyback. That adds to the previous $4.1 billion initiated several years ago. 

SoFi Technologies Attracts Insider Buying After Dip

Insiders are also buying SoFi Technologies (NASDAQ: SOFI) after a post-earnings dip. Rob Lavet, general counsel, bought 5,000 shares for about $21.04 each. Eric Schuppenhauer, the head of borrowing, picked up 5,000 shares at $19.93 per share.

That kind of buying makes sense for a couple of reasons. First, as of March 9, SOFI stock is technically oversold at $15.15. 

Second, the stock was recently upgraded by analysts at JPMorgan Chase to overweight. The firm said, “Momentum in the business is undeniable, as SoFi continues to add new members and deposits at a record pace, while other fintechs report deposit outflows or stagnant member growth, and investments in marketing in ‘25 and 1H26 set the stage for continued premium customer acquisition and engagement for the foreseeable future,” as quoted by Seeking Alpha.

Salesforce Insiders Step In as Stock Turns Oversold

Since the start of the year, Salesforce (NYSE: CRM) has been a train wreck, falling from $267.82 to a recent low of $185.03. Oversold, it is attempting to pivot higher after catching double bottom support. It’s also over-extended on RSI, MACD, and Williams’ %R. Even better, insiders are buying the dip. In fact, the company director and CEO of Williams-Sonoma, Laura Alber, just bought 2,571 shares for $451,166 on March 19.

Director David Kirk bought 2,570 shares for about $194.62 a share, marking his first open-market purchase of the year, according to Barron’s. 

Why Insider Buying Stocks Matter for Investors

While insider buying should never be the sole reason to invest in a stock, it can provide valuable insight into how those closest to the company view its prospects. Recent insider activity in Palo Alto Networks, SoFi Technologies, and Salesforce suggests that key decision-makers see opportunity amid recent pullbacks.

Corporate insiders — executives, directors, and key decision-makers — have a deeper understanding of their company’s operations, strategy, and long-term outlook than anyone else. When they put their own money to work, it often reflects confidence that the selloff has gone too far. Insider buying is never a guarantee of future gains, but it can be a valuable clue, particularly after a sharp pullback or negative news. With that in mind, here are three stocks seeing notable insider buying activity right now.

SoFi Technologies (SOFI): CEO Buys After Short Seller Attack

Insider buying at SoFi Technologies (NASDAQ: SOFI) was already underway before the latest controversy. Just weeks ago, General Counsel Rob Lavet purchased 5,000 shares at roughly $21.04 each, and Eric Schuppenhauer, head of borrowing, purchased another 5,000 shares at $19.93 each.

Then came the Muddy Waters short report, which accused SOFI of being a “financial engineering treadmill.” CEO Anthony Noto responded by purchasing 28,900 shares at $17.32 apiece. The company pushed back forcefully on the report’s conclusions, stating:

“The claims made in the Muddy Waters report demonstrate a fundamental lack of understanding of our financial statements and business. We intend to explore potential legal action against Muddy Waters for the factually inaccurate and misleading report they shared about our business today. Muddy Waters is known for producing reports designed to erode shareholder value solely to allow short sellers to profit from a declined stock price. In fact, their report discloses their intent to begin covering a substantial majority, possibly all, of their short positions immediately upon publication, and therefore they stand to profit from their own misleading report. We have reviewed the full report and believe it is designed to deceive investors.”

Shares of SOFI are now oversold at $17.08. From current levels, a retest of $26 is the initial target. 

CoStar Group (CSGP): Executives Spend Millions Buying the Dip

Commercial real estate giant CoStar (NASDAQ: CSGP) has fallen sharply from a peak of $70 per share to around $42, pressured in part by activist investors D.E. Shaw and Third Point. Both firms have previously secured board seats and pushed for a capital allocation committee, but according to Barron’s, they argue that those changes haven’t improved performance. Third Point renewed its campaign in January, with CEO Daniel Loeb calling the board “feckless” and demanding a change in strategy — specifically, a pullback from the company’s investment in Homes.com.

Despite the headline pressure, insiders have been buying aggressively. Board director Rachel Glaser purchased 1,000 shares at $44.94 each, totaling $197,873. President of Marketplaces Fred Saint bought 20,000 shares on March 1 at an average price of $45.33, for approximately $906,600. Most notably, CEO and Founder Andy Florance purchased 55,720 shares at $44.52 apiece, a commitment of roughly $24.8 million. That level of conviction from the company’s own leadership is difficult to ignore.

KKR (KKR): Co–CEOs Step Up With $8.8 Million in Purchases

Shares of KKR & Co. (NYSE: KKR) have been hit hard, dropping from roughly $135 to below $85. But co-CEOs Joseph Bae and Scott Nuttall aren’t waiting on the sidelines. The pair purchased a combined $8.8 million worth of KKR stock last week. As Barron’s reported, board members and co-CEOs have collectively purchased more than $46 million worth of shares since February 11.

KKR addressed the purchases directly, saying: “These purchases reflect our leadership team’s strong confidence in our future performance.”

The stock appears to be finding its footing after testing a low of $84.57 and is beginning to pivot higher. The initial target from here is a move to $100.

Why Insider Buying Can Mean More Than a Short Seller Report

Insider buying doesn’t guarantee success, but when executives put significant sums of their own capital into shares following sharp declines or negative headlines, it warrants a closer look. In all three cases — SOFI, CSGP, and KKR — leadership is putting real money behind their conviction. That kind of alignment between insiders and shareholders is rarely something the market gets to see this clearly.

Oftentimes, there’s a good reason for their buying spree. Here are a few stocks you may want to keep an eye on now.

Insider Buying Stocks: CoStar Group

Commercial real estate giant CoStar Group (NASDAQ: CSGP) has plunged since the stock hit approximately $70 a share in late December 2025. Now at $48.38, two activist investors, including D.E. Shaw and Third Point, want the company to scale back its investments in Homes.com. Plus, it’s seeing healthy insider buying.

As noted by Barron’s, “Both activist firms previously secured board seats and created a capital allocation committee in 2025, but they argue those changes haven’t improved performance. Third Point renewed its campaign in January, with CEO Daniel Loeb calling the board ‘feckless’ and demanding a change in strategy.”

CoStar doesn’t invest in commercial real estate directly. Rather, it’s a provider of information, analytics and online marketplaces for the commercial real estate industry. The company gathers property-level data, builds market analytics and supplies research tools used by brokers, owners, lenders, investors and other real estate professionals to evaluate markets, track inventory and manage listings.

Board director Rachel Glaser just bought 1,000 shares for $44.94 a share for $197,873. President of Marketplaces Fred Saint bought 20,000 shares on March 1 at an average price of $45.33 for about $906,600. CEO and Founder Andy Florance also picked up 55,720 shares for $44.52 a share for about $24.8 million. 

Insider Buying Stocks: KKR & Co.

Private credit has been getting destroyed in 2026. And as one of the leading names in the space, KKR & Co. (NYSE: KKR) has been a tough stock to own. KKR stock is down about 34% in the three months ending March 6. However, the crushed shares are getting some insider support.

Specifically, after the stock dropped from about $135 to less than $90, Co-CEOs Joseph Bae and Scott Nuttall purchased a combined $8.8 million worth of KKR stock last week.  “In total, the board members and co-CEOs have purchased more than $46 million worth of shares since Feb. 11,” added Barron’s.

“These purchases reflect our leadership team’s strong confidence in our future performance,” a KKR spokesperson told Barron’s.

Insider Buying Stocks: SoFi Technologies

Insiders are also buying SoFi Technologies (NASDAQ: SOFI) after a post-earnings dip. Rob Lavet, general counsel, bought 5,000 shares for about $21.04 each. Eric Schuppenhauer, the head of borrowing, picked up 5,000 shares at $19.93 per share.

That kind of buying makes sense for a couple of reasons. First, as of March 9, SOFI stock is technically oversold at $20.40. 

Second, the stock was recently upgraded by analysts at JPMorgan Chase (NYSE: JPM) to overweight. The firm said, “Momentum in the business is undeniable, as SoFi continues to add new members and deposits at a record pace, while other fintechs report deposit outflows or stagnant member growth, and investments in marketing in ‘25 and 1H26 set the stage for continued premium customer acquisition and engagement for the foreseeable future,” as quoted by Seeking Alpha.

Insider Buying Stocks: Ares Management

Director Ashish Bhutani just bought 10,000 shares of Ares Management Corp. (NYSE: ARES) for about $1.27 million. ARES was also upgraded to a Buy rating at Deutsche Bank (NYSE: DB) after fourth-quarter earnings. 

“While the Q4 results presented a headline miss on realized income, we believe the market’s concerns regarding private credit fundamentals and potential AI disruption are overblown relative to (the) likelihood of durable FRE (fee-related earnings) growth remaining intact across our forecast horizon,” said the analysts as quoted by Seeking Alpha.

“We see several key tailwinds for 2026. First, mgmt. expects fundraising to remain robust in 2026, citing an expectation for total fundraising this year to meet or exceed records in 2025. Second, the outlook for FRE margin expansion was reaffirmed on the call, as management guided to the high end of its 0-150 bps annual expansion target range, supported by synergies from the GCP integration, improving operating efficiencies, with the data center business becoming a positive FRE contributor. 

Making ARES even more attractive, it just declared a $1.35 per share dividend, which is payable on March 31 to shareholders of record as of March 17.

Insider Buying Stocks: Lumen Technologies

 Over at Lumen Technologies (NYSE: LUMN), CEO Kathleen Johnson just bought about $500,000 worth of stock, picking up 76,685 shares. “Kate Johnson’s recent open-market stock purchase reflects her continued confidence in Lumen’s long-term strategy and the value the company is creating through its transformation,” said the company, as quoted by Barron’s.

“This is not the first time Kate has personally invested in Lumen shares, underscoring her strong belief in the company’s future as a digital networking services leader driving enterprise growth and innovation for a multi-cloud, AI economy,” they added.

This surge is being fueled by a combination of improving earnings expectations, the prospect of additional interest rate cuts, and ongoing signs of strength in the U.S. economy.

Small-cap stocks are particularly sensitive to shifts in economic conditions and Federal Reserve policy. As CNBC recently noted, these companies tend to generate more of their revenue domestically, making them more responsive to U.S. growth trends.

History also favors small-cap stocks in easing-rate environments. Because many smaller companies rely more heavily on debt financing, lower interest rates can significantly reduce borrowing costs and improve access to capital. That dynamic can translate into stronger balance sheets and improved profitability. For these reasons, many investors view small-cap stocks as among the biggest potential beneficiaries of future rate cuts.

The Other Side of Small-Cap Stocks

However, if you like to pick your own stocks, that becomes more challenging with small-cap stocks. Many of these stocks are penny stocks, which means they trade at or below $5. Some even trade below $1 (literally penny stocks).

The ability to accumulate a substantial amount of shares at a low price can be appealing. Particularly, if you believe the share price will go much higher. However, many of these stocks are low-priced because they have very little revenue and are not profitable.

That can make owning these stocks more like gambling or buying a lottery ticket. Great if they work out, not so great if they don’t.

Also, many small-cap stocks have very little analyst coverage and little institutional ownership. That means these stocks can be too volatile for risk-averse investors.

Small-Cap ETFs Can Help Manage Risk

A simple way to manage the risk and volatility of small-cap stocks is by owning exchange-traded funds (ETFs). These funds hold a basket of stocks that track specific indexes.

Investors get exposure to dozens of stocks within the fund, and the holdings are balanced on a quarterly basis, so investors don’t have concerns about timing the market.

With that backdrop in mind, here are three small-cap ETFs worth considering.

Vanguard Small-Cap ETF (VB)

The Vanguard Small-Cap ETF (NYSEARCA: VB) tracks the CRSP U.S. Small Cap Index and holds 1,336 stocks. The fund’s holdings include SoFi Technologies (NASDAQ: SOFI), NRG Energy (NYSE: NRG), Atmos Energy (NYSE: ATO), Reddit Inc. (NYSE: RDDT), and Pure Storage (NYSE: PSTG).

One of the most attractive features of the fund is its low expense ratio of just 0.05%. VB also pays a quarterly dividend. Most recently, it distributed just over $0.92 per share on Dec. 24, 2025, following a payout of more than $0.80 on Oct. 1, 2025.

iShares Russell 2000 ETF (IWM)

The iShares Russell 2000 ETF (NYSEARCA: IWM) offers direct exposure to U.S. small-cap companies. The fund tracks the Russell 2000 Index and has a low expense ratio of 0.19%. The fund holds 1,965 stocks, including Credo Technology (NASDAQ: CRDO), Bloom Energy (NYSE: BE), IonQ Inc. (NYSE: IONQ), Fabrinet (NYSE: FN), and Rambus (NASDAQ: RMBS).

IWM also pays a quarterly dividend, with its most recent payment exceeding $0.84 per share on Dec. 19, 2025. Prior to that, it paid just over $0.67 on Sept. 19. 2025.

Scwab U.S. Small-Cap ETF (SCHA)

With one of the lowest expense ratios in the category at 0.04%, the Schwab U.S. Small-Cap ETF (NYSEARCA: SCHA) tracks the Dow Jones U.S. Small-Cap Total Stock Market Index. The fund holds 1,687 stocks, including Reddit, Credo Technology, Affirm Holdings (NASDAQ: AFRM), Bloom Energy, and IonQ Inc.

The Last Word on Investing in Small-Cap Stocks

With the Russell 2000 at record highs and monetary policy potentially turning more accommodative, small-cap stocks appear well-positioned to benefit from a favorable economic backdrop.

Improving earnings expectations, easing financial conditions, and strong domestic exposure all support the case for continued momentum in the space. For investors looking to gain diversified exposure while keeping costs low, ETFs like VB, IWM, and SCHA offer efficient ways to participate in a potential small-cap tailwind as rate cuts move closer into view.

To be fair, the recent performance shouldn’t overshadow the bigger picture, where the security has gained over 52% in the past 52 weeks. However, if we’re going to be honest about framing, it must be said that recent sentiment metrics raise serious concerns. For example, in the trailing six months, SOFI stock has managed to move up less than 10%.

Heading into the company’s fourth-quarter earnings report — scheduled for Jan. 30 before the opening bell — the fintech brand is struggling for confidence. Analysts will be looking for earnings per share to hit 12 cents on revenue of $982.19 million. In the year-ago quarter, the bank delivered EPS of 5 cents on revenue of $739.11 million, beating out the consensus view of 4 cents and $682.2 million, respectively.

Overall, SoFi’s print has been impressive. Since August 2021, the company has always exceeded its top-line target. Further, it has never missed against bottom-line expectations. Based purely on statistical induction, it would take a bold wager to say that SoFi will break this trend in the upcoming Q4 report.

Of course, no one can say with absolute certainty what will happen prior to the disclosure. However, if the options market is anything to go by, the smart money seems cautiously optimistic about SOFI stock.

Volatility Skew Broadcasts an Intriguing Signal for SOFI Stock

Irrespective of your intended goals in the market, it’s always a good idea to consider the volatility skew of the optionable securities that you’re interested in. This screener identifies implied volatility (IV) or a stock’s potential kinetic output across various strike prices for a specific options chain.

For example, the volatility skew for SOFI stock for the Feb. 20 expiration date shows call IV being priced significantly higher than put IV in the lower price boundaries. On the upper strike price boundary, both call and put IVs are relatively muted, though there is a hint of put IV rising modestly above calls in the upper reaches.

The above dynamic reveals two main themes. First, the higher call IVs that are deep in the money (ITM) — that is, the lower strike prices — may reflect controlled optimism. In other words, it appears that the most sophisticated market participants want upside exposure and optionality for SOFI stock but on a synthetic basis. By paying a premium for the calls (instead of owning 100 shares per contract), these traders preserve capital flexibility.

On the other end, the reduced IVs for both calls and puts on the upper strikes suggest that there isn’t much emphasis on protective tactics. To clarify, this shouldn’t be interpreted as saying downside isn’t possible. But it can be reasonably inferred that the smart money doesn’t believe that extreme downside is a likely outcome.

If anything, net sentiment — given the volatility skew favoring deep ITM calls — for SOFI stock appears to be one of cautious optimism. Perhaps the most important takeaway is that traders are not outright dumping SOFI despite its recent poor performance. Instead, they’re very much engaging in the narrative.

Even better, the quantitative framework suggests that there’s justification for this optimism.

Narrowing Probabilities Through a Second-Order Analysis

According to the Black-Scholes-derived expected move calculator, the anticipated dispersion for SOFI stock for the Feb. 20 options chain is between $21.57 and $27.83. This forecast represents a 12.67% high-low spread relative to the current spot price, reflecting in part a heightened IV of 68.25%.

Where did this dispersion come from? Essentially, Black-Scholes assumes that stock returns follow a lognormal distribution. Therefore, the aforementioned range represents where SOFI stock would land symmetrically one standard deviation away from the spot price (while accounting for volatility and days to expiration).

Without getting bogged down with the math, Black-Scholes is saying that in 68% of cases, SOFI stock should be trading between roughly $22 and $28 at the end of the Feb. 20 session. While the assumption is reasonable — since it would take a gargantuan catalyst to move a security beyond one standard deviation — we have a huge problem: we don’t know within the dispersion where SOFI is likely to touch ground.

To get a range of probabilities (and not just possibilities), we can turn to a second-order inductive analysis using the Markov property. Under Markov, the future state of a system depends solely on the current state. That’s a fancy way of saying that forward probabilities should not be independently calculated but rather assessed taking into account context.

To use a simple football analogy, a 20-yard field goal is an easy chip shot. Add snow, wind and playoff pressure, and these odds may change dramatically.

What’s the current quantitative context of SOFI stock? Ahead of the Q4 earnings report, SOFI has printed only three up weeks, leading to an overall downward slope. Under this 3-7-D condition, the security’s forward-10-week returns would be expected to land between $24 and $27. That’s significant because under everyday aggregate conditions, the range would be expected to land between $22 and $26.

In other words, under normal circumstances, SOFI stock features a negative bias. Under the context of the 3-7-D quant signal, the general expectation is an upward bias.

Going by the Numbers

Continuing with the inductive process, from the first week to the fifth week, we would expect peak probability density to gyrate somewhere between $24.90 and $25.75. Obviously, the unknowns surrounding the upcoming Q4 report add significant variability to the mix. However, if we were strictly following the data inductively, the $25 price zone would probably be the main anchor.

With that being the case, the 25/26 bull call spread expiring Feb. 20 arguably generates intrigue. For a $47 net debit, the trader is betting that SOFI stock can rise through the $26 strike, which represents the upper boundary of the 3-7-D signal’s forward distribution. If successful, the maximum profit would be $53, a payout of nearly 113%.

Breakeven lands at $25.47, which is near peak probability density of the aforementioned quant signal. This call spread allows traders a reasonable chance of protecting their capital while also stretching for a sizable payout.

A highlight of the report was the use of the term “record” to describe the results. In almost every category that matters to investors, SoFi delivered record-high results. 

The next record may be the SOFI stock price. It will take some time to see if the results were enough to raise analysts’ price targets. However, for now, the company has once again answered its naysayers.

SOFI Stock: Silencing Its Doubters Again 

Prior to this year, SOFI stock fell into what I’ve termed a group of “yeah, but” stocks. Quarter after quarter, analysts and investors would raise concerns, SoFi would deliver a report that dispelled those concerns, and then the analysts would say, “yeah, but” and introduce more concerns. And the cycle would go on and on.

That pattern has changed in the last year. SOFI stock is up 94% in 2025, making it one of the best-performing stocks in 2025. However, with the stock approaching its 52-week high and well above its consensus target, SoFi faced another “yeah but” argument. That was about its valuation.  

It’s a legitimate concern and one that many companies face. However, the company’s earnings reports show that it continues to grow at a strong rate.  

Record Results Across the Board

On the top line, SoFi delivered record revenue of $949.63 million. That was 6.1% higher than the estimates for $895.011 million. It was also 36% higher than the $697.10 million reported in the prior year.  

However, earnings are the primary driver of stock price growth, and the results on the bottom line were even stronger. Earnings per share (EPS) of 11 cents per share came in 29% higher than the 8.8 cents that was forecast. It was also a whopping 120% higher on a year-over-year basis. And like revenue, it was also a record number for the company. 

It doesn’t stop there. Some more highlights from the company’s report include:  

• Record adjusted EBITDA of $277M 

• Record loan originations of $9.9B in the quarter 

• Record highs in members and products 

• An all-time high (i.e., a record) for brand awareness 

SoFi Continues to Build on Its Strengths 

One of the features attracting private investors to SoFi is the strength of its personal loan profile. These loans give investors the opportunity to profit from interest rates of 10% or higher. However, the added appeal of SoFi’s portfolio is that the company focuses on high-quality borrowers, which decreases the default risk. 

In the quarter, SoFi reported personal loan originations rose 53% to $7.5 billion, which was … another record for the company. Student loan originations came in at $945 million, another record and nearly double on a year-over-year basis.  

Another growth driver for SoFi is its member growth. And as listed above, that was another record. This is further evidence that the company’s online first and online only approach to banking is catching on, particularly with the coveted Gen-Z audience. Technology allows more banking to be done online, which plays into the strength of SoFi.  

Should You Buy SOFI Stock at a New All-Time High? 

SOFI stock has seen considerable momentum, rallying to $30.79 and now sitting roughly 27% above its consensus analyst price target. The stock recently broke out above a minor resistance level near $30, putting it close to its 52-week average and reaffirming the strength of its current uptrend, as evidenced by price action above the 50-day SMA at $26.85.  

The MACD histogram is also turning positive, with the line above its signal and trending upward, suggesting continued bullish momentum for now. However, with RSI approaching 64, SOFI is edging into overbought territory. This is a technical signal that can often precede short-term corrections as buying activity stretches. 

That means investors should be cautious of chasing shares higher at these levels, as the premium above price target implies increased risk of valuation-driven pullbacks, especially if sentiment shifts or profit-taking intensifies. Notably, heavy call option activity at strike prices of $30 and $32 ahead of 10/31 expiry signals traders are aggressively positioning for further upside near-term, but it also raises the odds of a volatility spike if momentum fades. 

If SOFI retraces, a more attractive entry opportunity could emerge around the $27-$28 zone, near the 50-day SMA and areas of recent support, where dip buyers previously stepped in. In summary, while momentum remains constructive in the short term, caution is warranted for investors entering at current levels; a reset to the $27 range could offer a more favorable risk/reward setup if the rally cools.