SoFi Technologies, Inc. · Financials · Credit Services
Scores & Status Key
AI Summary Scores: Intraday / Swing / Long scores are synthesized from multi-factor analysis for each timeframe. They summarize current conditions discussed in the report and do not constitute trading recommendations.
Intraday Trend Score: A 0–100 composite from the Trend Explorer™ analytics engine used for ranking and comparison. It describes current conditions and is not a forecast.
Trend Status: A rules-based label (Bullish / Mixed / Bearish) derived from signal confluence (trend structure, momentum, and positioning). It indicates alignment, not expected return.
Last
$19.07
+$0.28 (+1.47%) 4:00 PM ET
Prev closePrevC$18.79
OpenOpen$19.65
Day highHigh$19.65
Day lowLow$18.67
VolumeVol67,445,966
Avg volAvgVol63,586,208
On chart
Interval
Intervals apply to 1D & 5D.
Intervals apply to 1D & 5D.
Scale: Linear
Overlays
Panels
Style
Scale: Linear
Presets
Tools
Tickers only (no ^ indexes). Add up to 5.
Mkt cap
$22.84B
P/E ratio
48.89
FY Revenue
$1.14B
EPS
0.39
Gross Margin
46.52%
Sector
Financials
AI report sections
MIXED
SOFI
SoFi Technologies, Inc.
SoFi Technologies demonstrates robust multi-period price appreciation and strong revenue growth, supported by positive net income and expanding EPS. However, persistent negative operating cash flow and an elevated free cash flow deficit highlight operational and liquidity risks. Technical indicators reflect a neutral to mildly positive trend, while short interest remains notable and news sentiment is overwhelmingly positive.
AI summarized at 4:56 PM ET, 2025-12-01
AI summary scores
INTRADAY:62SWING:69LONG:64
Volume vs average
Intraday (cumulative)
+43% (Above avg)
Vol/Avg: 1.43×
RSI
63.78(Strong)
Strong (60–70)
0255075100
MACD momentum
Intraday
+0.00 (Strong)
MACD: -0.02 Signal: -0.03
Short-Term
+0.42 (Strong)
MACD: -0.25 Signal: -0.67
Long-Term
+0.35 (Strong)
MACD: -1.47 Signal: -1.82
Intraday trend score
70.51
LOW66.51HIGH82.51
Latest news
SOFI•12 articles•Positive: 8Neutral: 3Negative: 1
PositiveThe Motley Fool• Neil Patel
What to Look for Before Buying a Fintech Stock
When evaluating fintech stocks, investors should consider three key factors: growth potential, profitability, and valuation. High-growth companies like Lemonade, Nu Holdings, Robinhood Markets, SoFi Technologies, and Upstart have shown 35%+ year-over-year revenue growth. More established players like Block and PayPal demonstrate strong profitability, with PayPal offering attractive valuation at a forward P/E of 9.1 after declining 84% from its peak.
Recognized as a high-growth fintech company with 35%+ year-over-year revenue growth, demonstrating strong business momentum.
PositiveThe Motley Fool• Neil Rozenbaum
The Market Just Staged a Massive Comeback. These Are the 5 Stocks I'd Buy First
Following a significant market rebound, the author highlights five stocks with strong upside potential. Nebius has surged 76% and CoreWeave 72%, while major tech companies are experiencing renewed momentum. The author believes this rally has room to continue and recommends these stocks as solid long-term holdings.
Included in author's bullish stock picks with positions held through market volatility
PositiveThe Motley Fool• Neil Rozenbaum
SoFi Stock Is Trading Near $18 With Earnings Around the Corner. Is This Your Last Chance to Buy Cheap?
SoFi Technologies stock is trading near $18, down 40% from its highs, but the author argues it remains an attractive buy based on a DCF valuation model pointing to $25 and the company's history of beating earnings expectations ahead of upcoming earnings results.
The article presents a bullish case for SoFi, highlighting a DCF valuation model suggesting $25 upside from the current $18 price level, combined with the company's track record of beating earnings expectations. Despite the 40% decline from highs, the author frames this as a buying opportunity rather than a warning sign.
PositiveThe Motley Fool• Neil Rozenbaum
4 Growth Stocks Down Bad That Will Bounce Back Quickly
Neil Rozenbaum highlights four growth stocks that have been hit hard in recent market sell-offs but possess strong fundamentals suggesting a faster-than-expected recovery. Despite the crash, he remains bullish on these positions and recommends holding them.
One of four growth stocks highlighted as having strong fundamentals despite current market downturn; author holds position
PositiveThe Motley Fool• Jennifer Saibil
Better Fintech Stock for Growth Investors: Nu Holdings vs. SoFi
Nu Holdings and SoFi Technologies are compared as growth investment opportunities in the fintech sector. Nu is expanding globally from Brazil into Mexico, Colombia, and the U.S., with over 60% market penetration in Brazil and recent banking charter approval. SoFi operates in the U.S. with record quarterly customer additions and aims to become a top-10 financial institution. The author recommends both stocks, suggesting Nu for higher risk tolerance and SoFi as a value opportunity.
Record quarterly customer additions, high user engagement with 90% of deposits being direct deposits indicating reliable recurring revenue, successful cross-selling strategy, diversified product portfolio, and management's credible goal to become a top-10 U.S. financial institution.
NegativeThe Motley Fool• Keith Noonan
Why SoFi Technologies Stock Fell 10.6% Last Month
SoFi Technologies stock declined 10.6% in March due to two main factors: geopolitical tensions from the U.S. and Israel's war with Iran causing broader market risk-off trades, and a short report from Muddy Waters Research alleging financial engineering, accounting irregularities, and misstated debt. SoFi disputed the claims and threatened legal action. The stock has recovered 3.9% in early April amid de-escalation in Iran tensions.
Stock fell 10.6% in March due to geopolitical concerns and a damaging short report from Muddy Waters alleging financial engineering, improper accounting practices, unrecorded debt of $312 million, and inflated loan charge-off rates. While the company disputed the claims, the allegations raise significant credibility concerns.
PositiveBenzinga• Rishabh Mishra
Stock Market Today: S&P 500, Nasdaq Futures Surge As Trump Declares Ceasefire On Iran Strikes— SoFi, Uber, Levi Strauss In Focus (UPDATED)
U.S. stock futures surged on Wednesday following President Trump's announcement of a two-week ceasefire on Iran strikes. Major indices posted strong gains with the S&P 500 up 2.46%, Nasdaq 100 up 3.25%, and Russell 2000 up 3.59%. However, analyst Jeremy Siegel warns of near-term caution despite long-term bullish outlook, citing labor strength, inflationary pressures, and earnings risks. Several stocks gained significantly on company-specific news.
SOFIUBERBABALEVIceasefireIranstock marketfutures
Sentiment note
Stock jumped 8.38% following the launch of big business banking platform for fiat and crypto banking on a single regulated platform, demonstrating strong business momentum.
SoFi Technologies (NASDAQ:SOFI) shares surged 8.75% in premarket trading on Wednesday, driven by a broader market rally following President Trump's announcement of a two-week ceasefire on Iran strikes. Additionally, SoFi unveiled SoFi Big Business Banking, a new regulated platform enabling enterprises to manage both fiat and crypto transactions in a single system with 24/7 functionality. The stock shows short-term bullish momentum but remains below intermediate and long-term moving averages.
SOFIMAARKFVBSoFi TechnologiesBig Business Bankingcrypto banking platformgeopolitical tensions
Sentiment note
Stock surged 8.75% in premarket trading on positive market sentiment and the launch of a significant new business platform (SoFi Big Business Banking) that expands the company's fintech and crypto offerings. The company showed strong 12-month performance (+69.58%) and demonstrated short-term bullish momentum, though long-term trends remain bearish.
NeutralThe Motley Fool• Neil Rozenbaum
The Market Just Crashed. Should You Be Buying SoFi, Meta, and Cybersecurity Stocks Right Now?
Following a market downturn, the article examines whether it's a good time to buy SoFi and Meta, which are caught in the sell-off. It also discusses how Anthropic's Claude Mythos AI model is reshaping the cybersecurity sector.
Stock is caught in a market sell-off with a -0.52% decline. The article presents it as a potential buying opportunity during the downturn, but without strong conviction either way.
NeutralThe Motley Fool• Selena Maranjian
1 Reason to Buy SoFi Stock After the Muddy Waters Short Report
SoFi Technologies faces allegations from short-seller Muddy Waters of inflating fair value gains through faulty accounting practices. The company has denied the claims, and CEO Anthony Noto recently purchased shares to demonstrate confidence. Despite a 51% decline from recent highs, the fintech company maintains strong growth metrics and a relatively low valuation, presenting a potential buying opportunity for investors willing to wait for clarity on the allegations.
The article presents a balanced view of SoFi, acknowledging both the serious accounting allegations from Muddy Waters and the company's strong growth fundamentals. The stock's 51% decline reflects investor concern, but the CEO's recent share purchases and the company's denial of charges suggest management confidence. The author recommends caution by waiting for clarity rather than taking a definitive bullish or bearish stance.
PositiveThe Motley Fool• James Brumley
3 Monster Stocks to Hold for the Next 10 Years
The article identifies three stocks positioned for strong growth over the next decade: Carvana, which is disrupting the used car market with online sales; Chewy, dominating pet supply e-commerce through specialization and subscription services; and SoFi Technologies, an online bank capitalizing on the shift toward digital banking. Each company benefits from the broader trend of consumers moving toward online, self-service solutions.
Well-positioned to capitalize on the shift to digital banking with 13.7M customers (35% YoY growth). The company benefits from broad demographic appeal, including tech-hesitant baby boomers, and operates in a massive addressable market of 133M+ U.S. households increasingly preferring mobile and online banking.
NeutralThe Motley Fool• Motley Fool Staff
OpenAI's Strategy Shift Ahead of an IPO
OpenAI is eliminating side projects and focusing on enterprise products like Codex ahead of its anticipated 2026 IPO. The company is pivoting from consumer-facing products to high-touch enterprise solutions. Meanwhile, a dispute between Microsoft and Amazon over OpenAI's cloud infrastructure partnership threatens legal action, with Microsoft claiming breach of exclusive partnership terms.
Short seller report caused temporary 6% dip but recovered quickly; CEO bought the dip, suggesting management confidence despite accounting scrutiny concerns.
News and sentiment labels describe article tone and are provided for research purposes only. They are not trading recommendations or forecasts.
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