SoFi Technologies stock
SOFINASDAQSoFi Technologies, Inc., Financial ServicesISIN US83406F1021
45Score 45 out of 100, Weak
Price and trend
48 / 100
Price history
−51% in one yearThe chart shows daily closes over 6 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 10% below it.
Since March 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 56).
The price is 51% below its 52-week high. Largest decline in 6 years: 83% (February 2021 to December 2022).
Chart figures for advanced users
- SMA 50$16.24
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$17.37
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)56
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$14.22
- The lowest closing price of the last twelve months.
- Resistance$32.21
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- SoFi Technologies, Inc. belongs to the Financial (Credit Services) industry (United States) and, with a market value of $20.29B, is number 12 of 59 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $3.61B (up 38.3% year on year) and earnings of $481.32M (down 3.5%).
- For fiscal 2026, analysts expect on average revenue of $5.02B (up 38.9%) and adjusted earnings per share of $0.60 (up 58.9%).
Show more
- MEQIRI Score 45 out of 100 (Weak): rank 903 of 975 in Financial Services, median 68.
- The P/E is 28.8 (Financial (Credit Services) median 11.8, own median of recent years 47.9).
- Our model puts fair value at $9.26, with the price 69% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Growing faster than its industryRevenue up 44.9% a year since 2020, Financial (Credit Services) median 9.7%.Growth 77
- Analysts expect strong earnings growthUp 30.9% a year through 2028 (estimates from 15 analysts).Growth 77
Weaknesses
- DilutionShare count up 118% since 2021.Capital allocation 21
- Above fair valuePrice 69% above the fair value of $9.26.Valuation 37
- Share price fell sharplyDown 49% over the last 12 months.Momentum 43
Its standout strength is growth, while fundamentals and capital allocation hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 46 to 45.
Fundamental quality fluctuates.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among stocks ranked 101 to 1,000.
From 2016 to 2025, 23 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What drives the risk
- weak fundamentals
- price far below its 52-week high
What lowers it
- price not overheated over the past year
Valuation
Valuation signal
Significantly overvaluedIn our model the price counts as cheap below $6.61 and expensive above $15.43 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $12.08 (excess return model) and $6.43 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 9.5%. At 10.5% the fair value would be $8.35, at 8.5% it would be $10.55.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 42.3% on the twelve months before. Revenue has grown strongly since 2017, at around 20% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 15%, net 13%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 29 Jan 2027in 77 days
- Last reported
- 27 Oct 2026EPS reported $0.18 (expected $0.16)above expectations
Analyst estimates
Analysts have raised their 2027 earnings estimate by 6.6% since 15 Oct 2026.
- Earnings per share
- $0.60+2.3%
- Revenue
- $5.02B+3.4%
- Earnings per share
- $0.87+6.6%
- Revenue
- $6.36B+6.8%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +18.5%SoFi raised its 2026 revenue guidance to $5.04 billion, up from $4.75 billion to $4.85 billion, and issued its first 2027 guidance of $6.4 billion revenue with roughly 35% margin.
“We now expect 2026 adjusted net revenue of $5.04 billion, up 40% year-over-year and higher than our prior guidance range of $4.75 billion-$4.85 billion.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 27 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $250,787 in total. 3 insiders sold, $3.22M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Keough KelliSale
20 Oct 2026, EVP, GBUL, SIPS
- Shares
- 10,203
- Price
- $14.72
- Value
- $150,215
- Keough KelliSale
21 Sept 2026, EVP, GBUL, SIPS
- Shares
- 10,203
- Price
- $16.99
- Value
- $173,310
- Rishel JeremySale
21 Sept 2026, Chief Technology Officer
- Shares
- 18,624
- Price
- $17.50
- Value
- $325,920
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- Keough KelliSale
20 Aug 2026, EVP, GBUL, SIPS
- Shares
- 11,286
- Price
- $18.00
- Value
- $203,184
- Keough KelliSale
20 Jul 2026, EVP, GBUL, SIPS
- Shares
- 10,954
- Price
- $17.19
- Value
- $188,290
- Keough KelliSale
22 Jun 2026, EVP, GBUL, SIPS
- Shares
- 10,954
- Price
- $17.35
- Value
- $190,058
- Lavet Robert SSale
18 Jun 2026, General Counsel
- Shares
- 1,188
- Price
- $17.55
- Value
- $20,845
- Rishel JeremySale
17 Jun 2026, Chief Technology Officer
- Shares
- 102,123
- Price
- $17.78
- Value
- $1.82M
- Noto AnthonyPurchase
16 Jun 2026, Chief Executive Officer
- Shares
- 13,888
- Price
- $18.06
- Value
- $250,787
- Keough KelliSale
20 May 2026, EVP, GBUL, SIPS
- Shares
- 10,037
- Price
- $15.53
- Value
- $155,921
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at SoFi Technologies
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 45
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- Shriram FinanceSHRIRAMFIN.NS $25.11B75
- Global PaymentsGPN $23.34B59
- Synchrony FinancialSYF $23.32B79
- Affirm HoldingsAFRM $22.47B67
- Cholamandalam Investment and FinanceCHOLAFIN.NS $16.97B78
- Muthoot FinanceMUTHOOTFIN.NS $12.52B82
- Mitsubishi HC Capital8593.T $12.11B49
- Power FinancePFC.NS $11.89B74
ETFs that hold SoFi Technologies
Held by 65 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares MSCI USA Mid-Cap Equal Weight UCITS ETFQDVC | 0.35% | 0.20% | €272.21M |
| Deka MSCI USA MC UCITS ETFEL41 | 0.27% | 0.30% | €52.63M |
| Xtrackers MSCI USA Financials UCITS ETF 1DXUFN | 0.26% | 0.12% | €1.08B |
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| iShares MSCI World Mid-Cap Equal Weight UCITS ETF USDIS3T | 0.14% | 0.30% | €411.06M |
| Xtrackers MSCI World Financials UCITS ETF 1CXDWF | 0.14% | 0.25% | €1.45B |
| Xtrackers MSCI USA ESG UCITS ETF 1CXZMU | 0.08% | 0.15% | €8.63B |
| Invesco MSCI World Equal Weight UCITS ETF Acc AccumUSDMWEQ | 0.07% | 0.20% | €2.1B |
| Amundi MSCI USA ESG Selection Extra UCITS ETF DR USD (D)LESU | 0.06% | 0.15% | €612.57M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Weak, published since 7 Nov 2026 (in the score history since 6 Feb 2026)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.