SOFI
SoFi Technologies, Inc. · Financials · Credit Services
Last
$16.64
−$1.10 (−6.20%) 12:30 PM ET
Prev close $17.74
Open $17.37
Day high $17.42
Day low $16.59
Volume 36,402,694
Avg vol 70,718,506
Mkt cap
$22.76B
P/E ratio
36.98
FY Revenue
$1.36B
EPS
0.45
Gross Margin
43.65%
Sector
Financials
AI report sections
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: 62 SWING: 69 LONG: 64
Volume vs average
Intraday (cumulative)
+3% (Above avg)
Vol/Avg: 1.03×
RSI
58.19 (Neutral)
Neutral (40–60)
MACD momentum
Intraday
+0.01 (Strong)
MACD: -0.01 Signal: -0.02
Short-Term
+0.34 (Strong)
MACD: 0.18 Signal: -0.16
Long-Term
+0.26 (Strong)
MACD: -0.22 Signal: -0.48
Intraday trend score 59.01

Latest news

SOFI 12 articles Positive: 5 Neutral: 7 Negative: 0
Neutral The Motley Fool • Neil Patel
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. Both stocks have declined significantly from recent peaks but offer attractive valuations. Nu is recommended as the better buy due to its 40% valuation discount to SoFi, superior unit economics ($15.90 revenue per customer), and projected 35.1% annual EPS growth through 2028, despite SoFi's strong innovation focus and 112% adjusted net income growth in 2025.

NU SOFI fintech growth investing digital banking valuation unit economics earnings growth
Sentiment note

Solid fundamentals with 112% adjusted net income growth in 2025 and 72% projected growth for 2026, strong innovation capabilities in AI and blockchain, and 40% annualized EPS growth forecast through 2028. However, higher valuation at 30.4x forward P/E and recent headwinds (recession fears, short report) make it less attractive than Nu despite being a quality business.

Positive The Motley Fool • Prosper Junior Bakiny
3 Stocks to Buy With Less Than $20

The article highlights three sub-$20 stocks with long-term potential despite near-term challenges: Rivian Automotive, launching its mass-market R2 model and pursuing autonomous vehicle technology; SoFi Technologies, leveraging its online banking model and expanding ecosystem; and Adyen, a fintech leader positioned to benefit from growing digital payment demand. All three are considered high-risk, high-reward opportunities for patient investors.

RIVN SOFI ADYEY stocks under $20 electric vehicles fintech digital payments autonomous vehicles
Sentiment note

Despite poor recent financial results and high valuation (28.3x forward earnings), the company has competitive advantages through its online model, growing membership ecosystem, and potential to build switching costs. Positioned as a bank of the future for younger customers with long-term growth potential.

Positive The Motley Fool • Adam Spatacco
How Can Retail Investors Take Part in the SpaceX IPO?

SpaceX is preparing for its highly anticipated IPO on June 12, 2026, targeting a $2 trillion valuation. While institutional investors receive the largest allocations, retail investors can participate through select brokerages including Charles Schwab, Robinhood, and SoFi. However, allocations are limited and IPOs carry significant risks including extreme price volatility and potential valuation inflation.

SCHW SCHWPD SCHWPJ HOOD SpaceX IPO retail investors initial public offering Nasdaq listing
Sentiment note

Providing IPO participation through Active Investing accounts with no minimum balance requirement, enabling broader retail investor access.

Positive The Motley Fool • Jennifer Saibil
Prediction: This Will Be SoFi's Stock Price in 2030

SoFi Technologies stock has dropped 38% in 2026 despite reporting strong Q1 results, with record customer additions and accelerating product growth. The article projects the stock could reach ~$43 by 2030 (nearly triple current price) if the company maintains a 30% EPS CAGR, though investors should expect continued volatility.

SOFI digital banking fintech customer growth earnings growth stock valuation high-growth stocks financial services
Sentiment note

Despite recent stock decline, the company demonstrates strong fundamentals with record customer additions (1.1M in Q1 26), 35% customer growth, accelerating product growth (39%), and 100% YoY EPS growth. The analyst projects significant upside potential to $43 by 2030, suggesting the current valuation at 35x P/E is attractive for a high-growth fintech company with improving profitability.

Neutral The Motley Fool • Pamela Kock
Upstart vs. Pagaya Technologies: Which Financial Stock Is a Better Buy in 2026?

Upstart and Pagaya Technologies both use AI to revolutionize lending by replacing traditional credit scores. Upstart generated $1.1B in revenue with $53.6M net income but faces risks from high customer concentration and negative free cash flow of -$166.1M. Pagaya achieved $1.3B revenue with $81.4M net income and positive free cash flow of $224.7M, trading at lower valuations. For long-term investors, Pagaya appears to offer a more balanced opportunity due to its superior financial health and less direct exposure to borrower defaults.

UPST PGY PGYWW FICO AI lending credit assessment fintech machine learning
Sentiment note

Mentioned as a competitor to Pagaya Technologies in the fintech lending space, representing alternative players in the evolving credit assessment market.

Neutral The Motley Fool • Parkev Tatevosian, Cfa
Is SoFi Stock an Undervalued Stock to Buy?

The article examines whether SoFi Technologies (SOFI) stock represents an undervalued buying opportunity. The stock has declined 45% year-to-date and is trading near $16, with the author providing a fair value calculation for the fintech company. Multiple related articles discuss whether this represents a market bottom and SoFi's potential to become a top-10 bank.

SOFI SoFi Technologies stock valuation fintech undervalued stocks fair value calculation banking sector
Sentiment note

The article presents an analytical examination of SoFi's valuation without a clear bullish or bearish conclusion. While the stock's 45% decline and low price point ($16) could suggest undervaluation, the article focuses on fair value calculation methodology rather than making a definitive investment recommendation. The tone is investigative rather than advocatory.

Neutral The Motley Fool • Neil Rozenbaum
SoFi Stock Is Down 45% This Year. Is This Finally the Bottom Investors Have Been Waiting For?

SoFi Technologies stock has declined 45% year-to-date, trading near $16. However, recent updates from the J.P. Morgan technology conference suggest potential turning points for the fintech company, with analysts questioning whether this represents a buying opportunity at depressed valuations.

SOFI SoFi Technologies stock decline fintech J.P. Morgan conference buying opportunity valuation
Sentiment note

While the stock has experienced a significant 45% decline year-to-date, the article presents a mixed outlook. The headline questions whether this represents a bottom, and recent conference updates are described as 'the strongest case yet for buying the dip,' suggesting potential recovery. However, the ongoing decline and uncertainty about whether the bottom has been reached warrant a neutral stance rather than positive.

Neutral Benzinga • Badar Shaikh
Elon Musk's SpaceX IPO Could Trigger Up To $27 Billion In Forced ETF Buying—Economist Says Nasdaq May Face Lawsuits

SpaceX's upcoming IPO could trigger $22-27 billion in forced ETF buying due to new Nasdaq rule changes that expedite index inclusion. Economist Dean Baker warns that Nasdaq could face lawsuits from index funds over these rule changes, which eliminate the 10% free-float requirement and allow companies to enter the index within 15 days of listing. The changes could also fast-track SpaceX into the S&P 500 within six months instead of 12 months.

HOOD SOFI SpaceX IPO Nasdaq rule changes forced ETF buying index funds S&P 500 Nasdaq 100
Sentiment note

Similarly mentioned as a retail investment platform for SpaceX IPO allocation, representing potential business opportunity without specific positive or negative implications.

Positive Benzinga • Badar Shaikh
Ross Gerber Backs SpaceX IPO Following Successful Starship V3 Test Launch: 'Perfect Timing For...'

Investor Ross Gerber has endorsed SpaceX's upcoming IPO following a successful Starship rocket test launch, calling it 'perfect timing.' SpaceX plans to allocate up to 30% of shares to retail investors through platforms like Robinhood and SoFi, with Goldman Sachs and Morgan Stanley serving as lead underwriters. However, some experts warn the IPO could negatively impact Tesla investors by diverting CEO Elon Musk's attention.

GS GSPA GSPC GSPD SpaceX IPO Starship test launch retail investors Elon Musk
Sentiment note

Chosen as platform for retail investors to participate in SpaceX IPO, providing growth opportunity and increased user activity

Neutral The Motley Fool • Matt Frankel, Cfp
SoFi's CEO Just Said 5 Things Every Investor Needs to Hear

SoFi Technologies, a rapidly growing fintech company, has experienced a significant 50% decline in stock price from its all-time high. The article highlights five key quotes from CEO Anthony Noto that investors should consider, suggesting potential investment opportunities despite current market skepticism.

SOFI SoFi Technologies fintech CEO Anthony Noto stock price decline investment opportunity earnings call
Sentiment note

While the company is described as 'rapidly growing,' the stock has dropped 50% from its all-time high, indicating market skepticism. The article presents CEO commentary as noteworthy for investors but doesn't explicitly endorse the stock as a buy or sell, maintaining a balanced analytical perspective on the company's prospects.

Positive Benzinga • Badar Shaikh
Tesla Investor Shares How Retail Investors Can Participate In Blockbuster SpaceX IPO Via Robinhood, Sofi

SpaceX is preparing for its IPO with plans to allocate up to 30% of shares to retail investors through platforms like Robinhood, SoFi, E-TRADE, Charles Schwab, and Fidelity. Each platform has different minimum account balance requirements ranging from none to $500,000. Goldman Sachs is leading the IPO as underwriter, with Morgan Stanley in a key position. BlackRock is considering a $5-10 billion investment in the space company.

HOOD SOFI SCHW SCHWPD SpaceX IPO retail investors brokerage platforms share allocation
Sentiment note

Included as a retail investment platform for the SpaceX IPO, providing access to retail investors and enhancing its value proposition as a brokerage platform.

Neutral The Motley Fool • Matt Frankel, Cfp
SoFi Just Had Its Best Quarter Ever. So Why Is the Stock Down?

SoFi Technologies reported strong first-quarter results across most of its business, achieving its best quarter ever. However, the stock is reacting negatively despite the solid performance, indicating investor concerns beyond the headline numbers.

SOFI SoFi Technologies Q1 results fintech stock performance investor sentiment
Sentiment note

While SoFi reported its best quarter ever with strong results across most business segments, the stock is trading down despite positive earnings. This disconnect suggests investors have concerns about forward guidance, profitability, or other factors not fully captured in the headline numbers, warranting a neutral stance rather than purely positive.

News and sentiment labels describe article tone and are provided for research purposes only. They are not trading recommendations or forecasts.
Trade Ranks, LLC is not a registered investment adviser or broker-dealer. All rankings and AI reports are for informational and educational purposes only and are not personalized advice. Investing involves risk. Policy Portal