SOFI · SoFi Technologies, Inc.
$17.07
-0.57 (-3.23%)
At close · Jul 22
Market Cap
$21.90B
Shares
1.28B
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$17.07
Open$17.48
Day$16.96–17.62
52W$14.93–32.73
Avg vol 30d82.3M
Short int188.1M · 14.7% float · 2.0d
Short vol54%
Last earningsJul 29, 2026
DataJan 2021–Jul 2026
Filing10-Q · May 7
Up next
Next earnings call
Jul 29, 2026
Scheduled
· in 1 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Research
our published analysis of this company
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Sell
Momentum
Very Weak
Sentiment
Bullish
Fundamentals
Fair
Quant / Vol
Very High
Market backdrop
VIX 18.7 · elevated
Equity put/call 0.61
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−21%
below
Price vs 50-day avg
−0%
below
RSI (14)
45
neutral
MACD trend
Negative
52-week position
12%
near low
Momentum
relative strength
1-month return
−1%
trailing
6-month return
−31%
trailing
YTD return
−35%
this year
Relative strength
−38%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $17 › 200d $22 — 200d above 50d
Institutional flow
Accumulating
238 of 942 funds reported for Jun 30 · net +5.0M sh shares · +34 new
Insider flow
Accumulating
Net +$572.6K over 90 days · 67% sells
Short interest
Falling
14.66% of float · ▼ -3.9% MoM · 2.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
942 holders — mid 3-yr range
Squeeze score
75
high risk · 0–100
Fundamentals
Revenue growth
+35%
Y/Y
EPS growth
0%
Y/Y
Valuation
P/E 37.9
rich
Balance sheet
$556.4M
net debt
Quant / Vol
risk profile
Volatility
55%
annualized · 1-yr
Max drawdown
−53%
past year
ATR
5.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−21%
Bearish
Price vs 50-day avg
−0%
Neutral
RSI (14)
45
Neutral
MACD trend
Negative
Bearish
52-week position
12%
Bearish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $17 › 200d $22 — 200d above 50d
Institutional flow
Accumulating
238 of 942 funds reported for Jun 30 · net +5.0M sh shares · +34 new
Insider flow
Accumulating
Net +$572.6K over 90 days · 67% sells
Short interest
Falling
14.66% of float · ▼ -3.9% MoM · 2.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
942 holders — mid 3-yr range
Price context
position in its 52-week range
52-wk low $15
Now $17 · 12%
52-wk high $33
vs 200-day avg -21%
vs 50-day avg 0%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
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| Adjusted EBITDA non-GAAP | 340M | first quarter 2026 | — |
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| Adjusted net revenue non-GAAP | 1.1B | first quarter 2026 | — |
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| Financial Services and Technology Platform segments net revenue | 503.6M | first quarter 2026 | — |
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| Home loan originations | 1.2B | first quarter 2026 | — |
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| Net interest margin | 5.94% | first quarter 2026 | -1.2% |
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| Personal loan originations | 8.3B | first quarter 2026 | — |
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| Student loan originations | 2.6B | first quarter 2026 | — |
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| Total fee-based revenue | 386.8M | first quarter 2026 | — |
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| Total loan originations | 12.2B | first quarter 2026 | — |
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| Total members | 14.7M | first quarter 2026 | +34.9% |
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| Total products | 22.2M | first quarter 2026 | +39.6% |
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| Unaided brand awareness | 10% | first quarter 2026 | +42.9% |
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| Total deposits | 37.5B | as of December 31, 2025 filing | — |
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| Adjusted EBITDA margin non-GAAP | 31% | Q4 FY2025 | +14.8% |
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| Fee-based revenue | $443.3M | Q4 FY2025 | — |
| Loan Platform Business revenue non-GAAP | $194M | Q4 FY2025 | — |
| New members added | 1,027,000 | Q4 FY2025 | — |
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| Book value per share | $7.29 | Three Months Ended September 30, 2025 | — |
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| Home equity loan originations | $352M | Three Months Ended September 30, 2025 | — |
| Loan Platform Business (LPB) revenue | $167.9M | Three Months Ended September 30, 2025 | — |
| Loans originated on behalf of third parties | $3.4B | Three Months Ended September 30, 2025 | — |
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| Members | 12.6M | Three Months Ended September 30, 2025 | — |
| New products | 1.4M | Three Months Ended September 30, 2025 | — |
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| Tangible book value per share | $5.97 | Three Months Ended September 30, 2025 | — |
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| Average unaided brand awareness | 8.5% | Q2 2025 | — |
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| Loan originations | $8.8B | Q2 2025 | — |
| On-balance sheet 90 day personal loan delinquency rate | 0.42% | Q2 2025 | — |
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| Personal loan annualized charge-off rate | 2.83% | Q2 2025 | — |
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| Average rate on deposits vs warehouse facilities | 189 | Q1 2025 | — |
| Financial Services products | 13.8M | Q1 2025 | — |
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| Financial Services segment net revenue | $303.1M | Q1 2025 | — |
| Lending products | 2.1M | Q1 2025 | +23.5% |
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| Loan Platform Business added to consolidated adjusted net revenue non-GAAP | $96.1M | Q1 2025 | — |
| SoFi Money products | 5.5M | Q1 2025 | +41.0% |
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| SoFi Relay products | 5.1M | Q1 2025 | +41.7% |
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| Technology Platform enabled accounts | 158M | Q1 2025 | +4.6% |
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| Total capital ratio | 16.2% | as of December 31, 2024 filing | +5.9% |
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| Loan Platform Business loan platform fees | $63.2M | Q4 2024 | — |
| Loan Platform Business personal loan volume | $2.1B | FY2024 | — |
| Capital Light, Fee-Based Revenue | $174M | Q3 2024 | — |
| Permanent equity per share | $5.54 | Q3 2024 | — |
| Tangible book value | $4.4B | Q3 2024 | — |
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| Adjusted net revenue – Lending non-GAAP | $339.1M | Three Months Ended June 30, 2024 | — |
| Annualized return on tangible equity | 11.2% | Three Months Ended June 30, 2024 | — |
| Combined Financial Services and Tech Platform revenue growth | 46% | Three Months Ended June 30, 2024 | — |
| Incremental adjusted EBITDA margin non-GAAP | 56% | Three Months Ended June 30, 2024 | — |
| Lending segment contribution margin | 58% | Three Months Ended June 30, 2024 | +5.5% |
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| Lending segment contribution profit | $197.9M | Three Months Ended June 30, 2024 | +8.0% |
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| SoFi Bank, N.A. GAAP net income | 98M | Three Months Ended June 30, 2024 | — |
| SoFi Bank, N.A. net income margin | 20% | Three Months Ended June 30, 2024 | — |
| SoFi Invest assets under management year-over-year growth | 58% | Three Months Ended June 30, 2024 | — |
| Tangible book value growth (quarter) | $92M | Three Months Ended June 30, 2024 | — |
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| Unaided brand awareness year-over-year growth | 40% | Three Months Ended June 30, 2024 | — |
| Financial Services total products | 10.1M | Q1 2024 | — |
| SoFi Invest products | 2.2M | Q1 2024 | — |
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| Annualized debit transaction volume | $6B | Based on Fourth Quarter 2023 | — |
| Quarterly debit transaction volume | $1.5B | Fourth Quarter 2023 | — |
| Tangible book value growth (trailing 12 month) | $334M | Full Year 2023 | — |
| Total Deposit Growth | $2.9B | Fourth Quarter 2023 | — |
| Financial Services contribution profit | $3.3M | the three months ended September 30, 2023 filing | — |
| Technology Platform segment contribution profit | $32.2M | the three months ended September 30, 2023 filing | — |
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| Financial Services segment contribution profit non-GAAP | 3.3M | Q3 2023 | — |
| Average net interest margin | 5.74% | the three months ended June 30, 2023 filing | — |
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| Contribution profit – Technology Platform segment | $17.2M | the three months ended June 30, 2023 filing | — |
| Contribution loss – Financial Services non-GAAP | -4M | Three Months Ended June 30, 2023 | — |
| Financial Services segment total products | 7.9M | Three Months Ended June 30, 2023 | — |
| Financial Services segment contribution loss | -$24.2M | three months ended March 31, 2023 filing | — |
| Financial Services total net revenue | $81.1M | three months ended March 31, 2023 filing | — |
| Lending Net Interest Margin | 5.92% | Q4 FY2022 | — |
| Lending Segment Adjusted Net Revenue non-GAAP | 1.1B | Year Ended December 31, 2022 | — |
| SoFi Bank GAAP Net Income | 30M | Q4 FY2022 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
SOFI
this stock
SoFi Technologies, Inc.
|
$21.90B | -34.8% | +35.1% | 37.9 | 14.7% |
|
V
Visa Inc.
|
$633.95B | +1.0% | +12.3% | — | 1.2% |
|
MA
Mastercard Inc
|
$470.05B | -6.7% | +16.4% | 30.8 | 0.9% |
|
AXP
American Express Co
|
$237.95B | -5.5% | +13.4% | 21.8 | 1.6% |
|
COF
Capital One Financial Corp
|
$124.43B | -17.2% | +36.6% | 51.0 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SOFI | -4.5% | -1.3% | -30.6% | -4.8% | -34.8% |
| SPY | -1.0% | +1.9% | +7.5% | +0.1% | +9.6% |
| vs SPY | -3.5% | -3.2% | -38.1% | -4.9% | -44.4% |
Key facts
CIK
1818874
CUSIP
83406F102
13F (30d)
214 filings
211 filers
Visit website
Investor relations