Street Calls of the Week: Wall Street Shuffles the Deck on SoFi, Best Buy, and Booking Holdings

​NEW YORK (UA Finance News) — A busy week of analyst revisions has reshaped the outlook for several retail and fintech heavyweights. As we move further into Q1 2026, JPMorgan and Mizuho have issued critical updates that investors should have on their radar. Here are the top takeaways from the latest Street calls.

1. SoFi (NASDAQ: SOFI): The "Gift" of a Selloff

Rating: Upgraded to Overweight (JPMorgan) | Price Target: $31

JPMorgan is turning bullish on SoFi, viewing the recent 10% post-earnings dip as a major buying opportunity. Despite the share price slide, SoFi continues to report record membership growth and deposit inflows, even as other fintechs struggle with outflows.

• The Catalyst: Strong 2026 EBITDA guidance and a massive $40 billion loan portfolio that is now generating substantial GAAP earnings.

• UA Finance Insight: With heavy marketing spend set to continue through mid-2026, SoFi is positioned to capture a higher-quality customer base than its peers.

2. Best Buy (NYSE: BBY): "Run, Forrest, Run!"

Rating: Downgraded to Neutral (JPMorgan) | Price Target: $76

The outlook for the electronics giant has dimmed. JPMorgan downgraded BBY, citing a "punishing" outlook for the remainder of the year. The firm believes the stock is "caged" with sellers lurking at higher price points to kill any upward momentum.

• The Headwinds: Doubling memory prices are expected to torch margins in the computing segment (35% of BBY's mix), while the "Windows 10 end-of-life" cycle in October may not be enough to save the stock.

• The Bottom Line: Housing remains stagnant, and appliances are limping along. JPMorgan is stepping back until the macro picture clears.

3. Booking Holdings (NASDAQ: BKNG): Buying the AI Fear

Rating: Upgraded to Outperform (Mizuho) | Price Target: $6,000

While the market panics over Generative AI potentially disrupting travel agencies, Mizuho is doubling down on Booking Holdings. The stock has dropped 16% recently, but the firm sees this as "market hysteria."

• The Opportunity: Mizuho sees a massive 30% upside potential. They argue that fears of travelers bypassing agencies to go straight to hotels via AI are overblown.

• The Numbers: 2027 EPS estimates are actually climbing, suggesting that the company’s fundamentals are stronger than the current price reflects.

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For our mobile app users, here is how to play these calls:

• For Growth Seekers: Keep a close eye on SOFI. If it holds the support levels post-selloff, the $31 target offers significant runway.

• For Value Seekers: BKNG at $6,000 is a high-conviction play for those who believe the "AI disruption" narrative is premature.

• For Defensive Traders: Avoid BBY for now. The combination of rising component costs and weak consumer demand for big-ticket items (TVs/Appliances) makes it a risky hold in the short term.