Who Really Owns SoFi Technologies Stock? The 2025 Breakdown You Can’t Miss

SoFi's ownership landscape reveals who's betting big on this fintech disruptor—and who's cashing out.

The Institutional Heavyweights

Major funds and investment firms hold significant chunks of SoFi, driving both volatility and momentum. Their moves often signal broader market sentiment toward digital finance adoption.

Insider Activity: Bullish or Bailing?

Executives and early investors have been both accumulating and divesting—classic fintech chess moves that keep analysts guessing (and charging for their insights).

Retail Investors: The Growing Army

Everyday traders continue piling into SoFi, drawn by its crypto-integrated platform and relentless marketing. Because nothing says 'financial sovereignty' like following a Reddit thread.

SoFi’s ownership mix tells a story of disruption meets tradition—where Wall Street’s old guard and Main Street’s new rebels collide. Whether that ends in a revolution or just another fee structure remains to be seen.

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Yet, some investors remain cautious about the stock’s premium valuation. With these updates in focus, let’s take a closer look at SOFI’s ownership structure using TipRanks’ Ownership tools.

Now, according to TipRanks’ ownership page, public companies and individual investors own 68.14% of SOFI. They are followed by ETFs, mutual funds, other institutional investors, and insiders, at 11.81%, 10.88%, 5.39%, and 3.78%, respectively.

Digging Deeper into SOFI’s Ownership Structure

Looking closely at top shareholders, Vanguard owns the highest stake in SOFI at 7.93%. Next up is Vanguard Index Funds, which holds a 7.63% stake in the company.

Among the top ETF holders, the Vanguard Total Stock Market ETF (VTI) owns a 2.86% stake in SoFi Technologies stock, followed by the Vanguard Small-Cap ETF (VB) with a 2.16% stake.

Moving to mutual funds, Vanguard Index Funds holds about 7.63% of SOFI. Meanwhile, Fidelity Concord Street Trust owns 0.93% of the stock.

Is SOFI Stock a Buy, Sell, or Hold? 

According to TipRanks’ consensus, SOFI stock has a Hold consensus rating based on six Buys, 10 Holds, and four Sells assigned in the last three months. At $20.53, the average SoFi stock price target implies a 22% downside from current levels.