SoFi Technologies, Inc. (SOFI)Financial Services | Credit Services | San Francisco, United States | NasdaqGS
18.06 USD
-1.12
(-5.839%) ⇩
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 18.08 +0.02 (0.111%) ⇧ (Aug. 28, 2026, 7:59 p.m. EDT) |
Hot Take ↕ | Aug. 22, 2026, 5:11 a.m. EDT
The narrative here is one of a turnaround story hitting an inflection point. Fundamentally, the company is showing strong signs of recovery with revenue growing at 42.6% and earnings up 61%, supported by a healthy gross margin of 83.7%. The balance sheet is manageable with a current ratio above 1.1, though debt remains a factor. However, the stock has been volatile, trading well below its 52-week high, which creates a significant gap between current valuation and potential targets. The short-term outlook is bullish due to the confluence of positive earnings momentum and aggressive options positioning. Speculators are building a massive wall of call options at the $20 strike, suggesting a high probability of a breakout in the coming weeks. This technical setup aligns with the improving fundamentals. Long-term, the business appears to be stabilizing and growing, yet it lacks the deep moat or consistent cash generation of a top-tier compounder. The return on equity is modest at 7%, and operating cash flow is still negative, indicating the company is still investing heavily to scale. While the trajectory is upward, the path is not yet smooth enough to warrant a 'buy and hold' premium. The stock is priced for perfection, meaning any stumble could lead to a sharp correction. It is a solid speculative buy for growth, but not a defensive core holding. |
| Model | MAE |
|---|---|
| AutoETS ✓ | 0.069115 |
| AutoARIMA | 0.069117 |
| MSTL | 0.070443 |
| AutoTheta | 0.092394 |
Forecast horizon: 45 days | Selected: AutoETS
| Forecast Reliability | |
|---|---|
| Score | 42% |
| H-stat | 1.00 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.580 |
| Excess Kurtosis | -0.36 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 30.835 |
| Revenue per Share | 3.445 |
| Market Cap | 23,325,759,488 |
| Trailing P/E | 36.86 |
| Forward P/E | 21.96 |
| Beta | 2.20 |
| Profit Margins | 14.91% |
| Previous Name | Social Capital Hedosophia Holdings Corp. V |
| Website | https://www.sofi.com |
As of Aug. 22, 2026, 5:11 a.m. EDT: Speculators are heavily positioning for upside, evidenced by massive open interest walls at $20 and $22 strikes across multiple expirations. Call volume significantly exceeds put volume, particularly in the near term, while put activity remains concentrated just below the current price ($17.50-$18.50) acting as a minor floor. The skew suggests a consensus bet on a breakout above $20 rather than a crash.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.2300281 |
| Address1 | 234 1st Street |
| All Time High | 32.73 |
| All Time Low | 4.24 |
| Ask | 18.09 |
| Ask Size | 2 |
| Audit Risk | 5 |
| Average Analyst Rating | 2.7 - Hold |
| Average Daily Volume10 Day | 43,567,790 |
| Average Daily Volume3 Month | 73,709,087 |
| Average Volume | 73,709,087 |
| Average Volume10Days | 43,567,790 |
| Beta | 2.204 |
| Bid | 18.0 |
| Bid Size | 1 |
| Board Risk | 6 |
| Book Value | 8.584 |
| City | San Francisco |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 4 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 18.06 |
| Current Ratio | 1.105 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 19.49 |
| Day Low | 18.03 |
| Debt To Equity | 30.835 |
| Display Name | SoFi |
| Earnings Call Timestamp End | 1,785,326,400 |
| Earnings Call Timestamp Start | 1,785,326,400 |
| Earnings Growth | 0.404 |
| Earnings Quarterly Growth | 0.61 |
| Earnings Timestamp | 1,785,328,200 |
| Earnings Timestamp End | 1,793,104,200 |
| Earnings Timestamp Start | 1,793,104,200 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 5.476 |
| Enterprise Value | 23,374,637,056 |
| Eps Current Year | 0.60055 |
| Eps Forward | 0.82222 |
| Eps Trailing Twelve Months | 0.49 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 17.8166 |
| Fifty Day Average Change | 0.24339867 |
| Fifty Day Average Change Percent | 0.013661342 |
| Fifty Two Week Change Percent | -23.00281 |
| Fifty Two Week High | 32.73 |
| Fifty Two Week High Change | -14.67 |
| Fifty Two Week High Change Percent | -0.44821265 |
| Fifty Two Week Low | 14.88 |
| Fifty Two Week Low Change | 3.1799994 |
| Fifty Two Week Low Change Percent | 0.21370964 |
| Fifty Two Week Range | 14.88 - 32.73 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,609,770,600,000 |
| Float Shares | 1,271,718,888 |
| Forward Eps | 0.82222 |
| Forward P E | 21.964922 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 6,100 |
| Fullday Change | -1.12 |
| Fullday Change Percent | -5.83942 |
| Fullday Price | 18.08 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,785,542,400 |
| Gross Margins | 0.83734 |
| Gross Profits | 3,574,136,064 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.01424 |
| Held Percent Institutions | 0.51346 |
| Implied Shares Outstanding | 1,291,570,324 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| Ipo Expected Date | 2,021-06-01 |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California. |
| Long Name | SoFi Technologies, Inc. |
| Market | us_market |
| Market Cap | 23,325,759,488 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_141582707 |
| Most Recent Quarter | 1,782,777,600 |
| Name Change Date | 2,026-08-28 |
| Net Income To Common | 636,264,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 24,772,318,814 |
| Number Of Analyst Opinions | 20 |
| Open | 19.205 |
| Operating Cashflow | -8,502,490,112 |
| Operating Margins | 0.16956 |
| Overall Risk | 5 |
| Payout Ratio | 0.0 |
| Peg Ratio | 0.91 |
| Phone | 855 456 7634 |
| Post Market Change | 0.020000458 |
| Post Market Change Percent | 0.110744506 |
| Post Market Price | 18.08 |
| Post Market Time | 1,787,961,599 |
| Prev Name | Social Capital Hedosophia Holdings Corp. V |
| Previous Close | 19.18 |
| Price Eps Current Year | 30.072433 |
| Price Hint | 2 |
| Price To Book | 2.1039143 |
| Price To Sales Trailing12 Months | 5.464705 |
| Profit Margins | 0.14906 |
| Quick Ratio | 0.461 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | hold |
| Recommendation Mean | 2.70833 |
| Region | US |
| Regular Market Change | -1.12 |
| Regular Market Change Percent | -5.83942 |
| Regular Market Day High | 19.49 |
| Regular Market Day Low | 18.03 |
| Regular Market Day Range | 18.03 - 19.49 |
| Regular Market Open | 19.205 |
| Regular Market Previous Close | 19.18 |
| Regular Market Price | 18.06 |
| Regular Market Time | 1,787,947,200 |
| Regular Market Volume | 45,306,917 |
| Return On Assets | 0.0124699995 |
| Return On Equity | 0.07095 |
| Revenue Growth | 0.426 |
| Revenue Per Share | 3.445 |
| Sand P52 Week Change | 0.20504117 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 7 |
| Shares Outstanding | 1,291,570,324 |
| Shares Percent Shares Out | 0.1336 |
| Shares Short | 172,515,246 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 185,956,377 |
| Short Name | SoFi Technologies, Inc. |
| Short Percent Of Float | 0.1354 |
| Short Ratio | 2.38 |
| Source Interval | 15 |
| State | CA |
| Symbol | SOFI |
| Target High Price | 30.0 |
| Target Low Price | 12.0 |
| Target Mean Price | 20.025 |
| Target Median Price | 18.5 |
| Total Cash | 3,366,502,912 |
| Total Cash Per Share | 2.607 |
| Total Debt | 3,415,378,944 |
| Total Revenue | 4,268,439,040 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.49 |
| Trailing P E | 36.85714 |
| Trailing Peg Ratio | 0.9212 |
| Triggerable | 1 |
| Two Hundred Day Average | 20.317175 |
| Two Hundred Day Average Change | -2.2571754 |
| Two Hundred Day Average Change Percent | -0.11109691 |
| Type Disp | Equity |
| Volume | 45,306,917 |
| Website | https://www.sofi.com |
| Zip | 94,105 |