SOFI
SoFi Technologies, Inc.

SoFi Technologies, Inc.SOFI

Financial Services · Credit Services
17.38USD
+3.64%
Nov 05, 2026
SOFI overview ready
Integrated Consumer Finance Platform Driving Lending Growth and Fintech Adoption
Direct operator of an integrated consumer financial-services platform, with a secondary fintech-infrastructure business serving banks and non-financial institutions.
Theme not measured
No economic group is assigned yet.
Price trend is broken
Longer-term context reads trend under pressure, with a near-term setup of reclaim attempt.
Fair valuation
The price broadly reflects how much growth and cash flow it delivers per turn of revenue multiple, with upside and risk reasonably balanced.
Unremarkable fundamentals
Primary risk
Credit risk from lending operations.
Market Nov 4Price action Nov 5Research Aug 7

Conviction Level

Theme Momentum has no canonical measurement for this company — a research-profile dimension, not an input to this score.

PriceAction8.3BusinessPerformance—BusinessQuality—Valuation3.8ThemeMomentum—Business Performance not yet available.

Conviction uses Price Action, Business Performance, Business Quality, Valuation. Theme Momentum is research context, not an input.

Theme momentumPrimary theme · group context, not entry timing
No economic group yet — pending research
Price
Loading price history…

Price Action

Price trend is broken
Longer-term context reads trend under pressure, with a near-term setup of reclaim attempt.
EntryReset + recovery

The stock remains extended from its long-term weekly base, but the recent reset toward the daily SMA200 aligned with support at the weekly EMA21. Daily structure is recovering above the fast averages, improving the current entry location.

Key Financials

Market Cap
$21.8B
Avg Volume (60D)
50.7M
60 sessions
Revenue Growth YoY
+37.6%
Trailing twelve months
Gross Margin
+84.2%
Operating Margin
+22.8%
Trailing twelve months
Next Earnings
2027-01-29
P/E
31.0x
EV / Sales
3.6x
Market metrics as of Nov 4, 2026

Business Performance

Business Quality

Not assessed

Not assessed — banks, insurers and lenders need a different model.

Fundamentals & Valuation

Only one valuation perspective could be built for this company, and it reads fair.
SoFi Technologies, Inc. has a Fair valuation stance because the price broadly reflects how much growth and cash flow it delivers per turn of revenue multiple, with upside and risk reasonably balanced.

What changed

  • SoFi Technologies, Inc. — 8-K (items 2.02, 9.01)
    Reported on 8-K, dated 2026-10-27. SOFI closed +13.4% while the broad market was close to flat (+0.6%).
    2026-10-27 · source

Company Research

Thesis
Direct operator of an integrated consumer financial-services platform, with a secondary fintech-infrastructure business serving banks and non-financial institutions. The story is still emerging, so the exposure is real but early.
Opportunity
Moderate opportunity
Consumer migration toward app-based platforms that combine deposit accounts, payments, credit, investing, and financial-management tools, enabling cross-sell economics and a fight for the primary financial relationship.
Key risk
Credit risk from lending operations.

Economic classification

Loading the economic classification…

Business & Markets

Financial Services · Credit Services
What they do

SoFi Technologies, Inc. operates as a financial services company providing lending, technology platforms, and financial services products across multiple regions including the US, Latin America, Canada, and Hong Kong.

How it earns

The company generates revenue primarily through transactional fees and interest income from lending, as well as platform service fees.

Products & services
Personal loans
Student loans
Home loans
Galileo technology platform
Technisys digital banking platform
Customers & end markets
Individual consumers seeking loans and financial services
Financial and non-financial institutions using technology platforms
Market position

SoFi is a challenger in the financial services sector, combining direct-to-consumer lending with technology platform offerings.

Demand drivers
Medium cyclicality

Demand for lending and financial services can fluctuate with economic cycles and consumer credit conditions.