SOFI SoFi Technologies, Inc.

QT38

NASDAQ·Financial Services·Financial - Credit Services·USA

Latest market price

16.60

-0.16-0.95%

Overview Short InterestFilings

SOFIQT38SoFi Technologies, Inc.·NASDAQ

Overview Short InterestFilings

16.60-0.95%

News

Down 1.0% — SoFi Stock Rises as Oil Prices Calm Inflation Fears (benzinga.com).

Medium confidence

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Signal & projected range

Earnings big beat — drift (PEAD)Historical pattern — not a prediction

Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)

Horizon

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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Unlock with Premium to see the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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Snapshot

Index	—	P/E	30.18	EPS (ttm)	0.55	Insider Own	3.89%	Shs Outstand	1.29B	Perf Week	14.80%

Market Cap	21.44B	Forward P/E	19.14	EPS next Y	0.87	Insider Trans	-0.28%	Shs Float	1.27B	Perf Month	5.26%

Enterprise Value	17.62B	PEG	0.80	EPS next Q	0.20			Short Float	17.32%	Perf Quarter	-11.23%

Income	739.00M	P/S	3.51	EPS this Y	64.59%			Short Ratio	4.13	Perf Half Y	2.47%

Sales	6.11B	P/B	1.90	EPS next Y	44.08%	ROA	1.09%	Short Interest	219.64M	Perf YTD	-36.59%

Book/sh	8.75	P/C	2.75	EPS next 5Y	37.85%	ROE	6.76%	52W High	32.73 -49.28%	Perf Year	-42.82%

Cash/sh	6.04	P/FCF	—	EPS past 3/5Y	—	ROIC	4.49%	52W Low	13.86 19.77%	Perf 3Y	140.58%

Dividend Est.	—	EV/EBITDA	11.56	Sales past 3/5Y	39.34% 44.74%	Gross Margin	76.66%	Volatility	5.46% 4.24%	Perf 5Y	-19.77%

Dividend TTM	—	EV/Sales	2.88	EPS Y/Y TTM	-0.45%	Oper. Margin	14.84%	ATR (14)	0.80	Perf 10Y	—

Dividend Ex-Date	—	Quick Ratio	0.83	Sales Y/Y TTM	37.59%	Profit Margin	12.07%	RSI (14)	55.54	Recom	2.72

Dividend Gr. 3/5Y	—	Current Ratio	0.83	EPS Q/Q	63.64%	SMA20	7.30%	Beta	2.23	Target Price	21.77

Payout	0.00%	Debt/Eq	0.35	Sales Q/Q	41.88%	SMA50	0.42%	Rel Volume	1.13	Prev Close	16.76

Employees	6,100	LT Debt/Eq	0.35	Earnings	Jan 29	SMA200	-6.41%	Avg Volume	48.10M	Price	16.60

IPO Date	Jan 04, 2021	Option/Short	Yes / Yes	EPS/Sales Surpr.	10.93% 9.27%	Net Debt/EBITDA	-2.51	Volume	54,184,073	Change	-0.95%

Analyst Ratings

Date	Action	Analyst	Rating	Target
Oct-29-26	Reiterated	UBS	Neutral	$21 → $22
Oct-28-26	Reiterated	Coker Palmer		$25 → $27
Oct-28-26	Reiterated	Scotiabank	Sector Outperform	$25 → $26
Oct-28-26	Reiterated	Wells Fargo	Equal Weight	$17
Oct-26-26	Initiated	Monness Crespi	Buy	$20
Oct-23-26	Reiterated	Truist Securities	Hold	$19 → $16
Oct-13-26	Reiterated	Goldman Sachs	Neutral	$18 → $15
Sep-08-26	Initiated	Loop Capital	Hold	$22
Sep-02-26	Initiated	Scotiabank	Outperform	$25
Aug-17-26	Upgrade	Piper Sandler	Neutral → Overweight	$7.50 → $22

Latest News· Times ET

Nov-02-26

Nov-02-2602:03PM

SoFi Stock Rises as Oil Prices Calm Inflation Fearsbenzinga.com

02:00PM

SoFi Added a Record 1.2 Million Members Last Quarter. Its Stock Is Still Down More Than 30% in 2026.fool.com

12:27PM

This Up-and-Coming Tech Company Just Delivered 44% Revenue Growth, and It Has Nothing to Do With AI.fool.com

12:02PM

Upstart Drops 5% to Near 52-Week Low Ahead of Earnings; Affirm Advances 5%, SoFi Gains 4%247wallst.com

04:34AM

Is SoFi Stock a Buy After its Spectacular Investor Update?fool.com

Nov-01-26

Nov-01-2610:32PM

SoFi Technologies: On The Brink Of A Major Profitability Breakoutseekingalpha.com

11:42AM

SoFi: Silly Wall St. Games Can't Outlast Resultsseekingalpha.com

08:44AM

SoFi Just Made a Big Move Into Blockchain Payments. Here's What Investors Need to Know.fool.com

Oct-31-26

Oct-31-2608:11AM

SoFi Technologies: Nobody Saw This Comingseekingalpha.com

Oct-30-26

Oct-30-2601:03PM

SoFi Could Be Building Something Wall Street Hasn't Fully Priced In247wallst.com

12:49PM

SoFi Beat Across the Board and Raised Guidance. Is the Stock Still Cheap?fool.com

08:45AM

SoFi Technologies: 2027 Growth Outlook Looks Underpricedseekingalpha.com

Oct-29-26

Oct-29-2602:45PM

Is SoFi Stock a Buy After Falling 43% in 2026?fool.com

11:27AM

SoFi Technologies: Hedges Held, Margins Widened, Upside Is Still To Comeseekingalpha.com

10:45AM

SoFi's Recent 13% Upward Burst Means Execution Is Now a Must247wallst.com

Company

SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2025 12/31/2025	FY 2024 12/31/2024	FY 2023 12/31/2023	FY 2022 12/31/2022	FY 2021 12/31/2021	FY 2020 12/31/2020	FY 2019 12/31/2019	FY 2018 12/31/2018
Total Revenue	6,113	4,770	3,704	2,898	—	—	—	—	—
Cost of Goods Sold Incl. D&A	1,427	1,187	1,123	844	—	—	—	—	—
Gross Profit	4,686	3,583	2,581	2,053	—	—	—	—	—
Selling, General and Administrative Excl. Other	2,485	1,800	1,396	1,230	—	—	—	—	—
Research and Development	379	0	0	0	—	—	—	—	—
Other Operating Expense	916	1,257	951	1,124	—	—	—	—	—
Operating Income	907	526	233	-301	—	—	—	—	—
Interest Expense	1,384	1,156	1,091	789	—	—	—	—	—
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	1,384	1,156	1,091	789	—	—	—	—	—
Net Income Before Taxes	907	526	233	-301	—	—	—	—	—
Income Taxes	170	45	-265	0	—	—	—	—	—
Consolidated Net Income	739	481	499	-301	—	—	—	—	—
Net Income From Continuing Operations	739	481	499	-301	—	—	—	—	—
Net Income	739	481	499	-301	—	—	—	—	—
EPS (Recurring)	0.58	0.42	0.46	-0.36	—	—	—	—	—
EPS (Basic, Before Extraordinaries)	0.58	0.42	0.46	-0.36	—	—	—	—	—
EPS (Diluted)	0.55	0.39	0.39	-0.36	—	—	—	—	—
EBITDA	1,524	760	437	-100	—	—	—	—	—
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	30.18	67.13	39.49	—	—	—	—	—	—
Price To Sales Ratio	3.51	6.31	4.37	3.24	—	—	—	—	—
Gross Margin	76.66	75.12	69.68	70.84	—	—	—	—	—
Operating Margin	14.84	11.03	6.29	-10.39	—	—	—	—	—
Net Margin	12.09	10.08	13.47	-10.39	—	—	—	—	—
Shares Outstanding	1,293	1,150	1,050	945	—	—	—	—	—
Market Capitalization	21,464	30,107	16,170	9,403	—	—	—	—	—
Operating Lease Expense	—	—	—	—	—	—	—	—	—

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Insider Trading Volume

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Keough Kelli	EVP, GBUL, SIPS	Oct 20 '26	Sale	14.72	10,203	150,215	397,870	Oct 22
Rishel Jeremy	Chief Technology Officer	Sep 21 '26	Sale	17.50	18,624	325,920	912,650	Sep 23
Keough Kelli	EVP, GBUL, SIPS	Sep 21 '26	Sale	16.99	10,203	173,310	408,073	Sep 23
Lavet Robert S	General Counsel	Sep 14 '26	Option Exercise	0.00	36,057	0	124,257	Sep 16
Noto Anthony	Chief Executive Officer	Sep 14 '26	Option Exercise	0.00	345,554	0	12,464,596	Sep 16
Pinto Arun	Chief Risk Officer	Sep 14 '26	Option Exercise	0.00	21,174	0	240,461	Sep 16
Rishel Jeremy	Chief Technology Officer	Sep 14 '26	Option Exercise	0.00	77,935	0	973,024	Sep 16
Schuppenhauer Eric	EVP GBUL Borrow	Sep 14 '26	Option Exercise	0.00	6,493	0	337,093	Sep 16
Keough Kelli	EVP, GBUL, SIPS	Sep 14 '26	Option Exercise	0.00	127,867	0	484,309	Sep 16
Lapointe Christopher	CFO and PAO	Sep 14 '26	Option Exercise	0.00	104,152	0	1,929,631	Sep 16
Keough Kelli	EVP, GBUL, SIPS	Aug 20 '26	Sale	18.00	11,286	203,184	356,442	Aug 24
Schuppenhauer Eric	EVP GBUL Borrow	Aug 17 '26	Option Exercise	0.00	55,731	0	354,320	Aug 19
Pinto Arun	Chief Risk Officer	Aug 17 '26	Option Exercise	0.00	45,389	0	244,405	Aug 19
Keough Kelli	EVP, GBUL, SIPS	Jul 20 '26	Sale	17.19	10,954	188,290	367,728	Jul 21
Keough Kelli	EVP, GBUL, SIPS	Jun 22 '26	Sale	17.35	10,954	190,058	378,682	Jun 23

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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.