SOFI · SoFi Technologies, Inc.
Market Cap
$22.22B
Shares
1.29B
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$17.07
Open$17.50
Day$16.94–17.59
52W close$15.15–32.21
Avg vol 30d42.5M
Short int177.5M · 13.7% float · 4.1d
Short vol39%
Last earningsJul 29, 2026
DataJan 2021–Sep 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 28, 2026
Est · unconfirmed
· in 6 wks
filed Aug 6, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$4.31B
Trailing 12 months
Net income (TTM)
$636.26M
Trailing 12 months
Revenue growth YoY
+42.5%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
34.8
Trailing earnings · reciprocal yield 2.9%
FCF yield
-39.6%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+14.3%
Year over year · more shares
Price change (1Y)
-38.3%
Trailing year
Short interest
13.7%
Latest settlement · 4.1 days to cover
AI Brief
Q2 FY26 earnings call · Jul 29, 2026
Q2 FY26
TL;DR. SoFi posted record Q2 results with 40% adjusted net revenue growth, raised full-year revenue guidance to $4.75–$4.85 billion (from ~30% growth), and reiterated EBITDA/EPS guidance despite now expecting rate hikes rather than cuts. Member and product growth hit records and cross-buy accelerated to 51%.
Bullish
- + Adjusted net revenue grew 40% year-over-year to a record $1.2 billion
- + Full-year adjusted net revenue guidance raised to $4.75–$4.85 billion (up from ~30% growth)
- + Record loan originations of $14.8 billion, including record personal, student, and home loans
- + Tangible book value grew 56% year-over-year to $9.5 billion ($7.34 per share)
Bearish
- − Interest rate outlook shifted from two expected cuts to one to two hikes, pressuring margin assumptions
- − EPS guidance unchanged at $0.60 despite revenue raise, as full-year tax rate assumption jumped 700 bps to 22%
- − Technology Platform segment revenue fell 23% year-over-year as a large client transitioned off the platform
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Research
our published analysis of this company
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Sell
Momentum
Weak
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very High
Market backdrop
VIX 17.7 · elevated
Equity put/call 0.69
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−13%
below
Price vs 50-day avg
−4%
below
RSI (14)
44
neutral
MACD trend
Negative
52-week position
11%
near low
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−7%
trailing
6-month return
+2%
trailing
YTD return
−35%
this year
Relative strength
−14%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $18 › 200d $20 — 200d above 50d
Institutional flow
Accumulating
+1% holders QoQ · +145 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
13.74% of float · ▲ +2.9% MoM · 4.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
940 holders — mid 3-yr range
Squeeze score
62
elevated · 0–100
Fundamentals
Revenue growth
+35%
Y/Y
EPS growth
0%
Y/Y
Valuation
P/E 35.1
rich
Balance sheet
$3.1B
net cash
Quant / Vol
risk profile
Volatility
57%
annualized · 1-yr
Max drawdown
−53%
past year
ATR
4.4%
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.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 29, 2026
Adjusted EBITDA
· full year 2026
Non-GAAP
Initiated
$1.6B
Adjusted EBITDA margin
· full year 2026
Non-GAAP
Initiated
33% – 34%
Adjusted net revenue
· full year 2026
Non-GAAP
Initiated
$4.75B – $4.85B
Annual adjusted net revenue growth year-over-year
· full year 2026
Non-GAAP
Initiated
32% – 35%
Annual adjusted EBITDA margin
· full year 2026
Non-GAAP
Initiated
33% – 34%
Adjusted net income
· full year 2026
Non-GAAP
Initiated
$825M
Adjusted net income margin
· full year 2026
Non-GAAP
Initiated
17%
Effective tax rate
· full year 2026
Initiated
22%
Total members growth year-over-year
· full year 2026
Initiated
at least 30%
Prior guidance
period ended
· from the 8-K filed Jul 30, 2024
Adjusted net revenue
· third quarter of 2024
$625M – $645M
EPS
· third quarter of 2024
$40000.00
Adjusted EBITDA
· third quarter of 2024
$160M – $165M
Net income
· third quarter of 2024
$40M – $45M
Adjusted net revenue
· full year 2024
$2.43B – $2.47B
GAAP net income
· full year 2024
$175M – $185M
GAAP EPS
· full year 2024
$0.09 – $0.10
Guided vs delivered
· last 2 settled
EPS
third quarter of 2024
guided $40000.00
$0.05
Miss −100.0%
GAAP EPS
full year 2024
guided $0.09 – $0.10
$0.39
Beat +310.5%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−13%
Bearish
Price vs 50-day avg
−4%
Neutral
RSI (14)
44
Neutral
MACD trend
Negative
Bearish
52-week position
11%
Bearish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $18 › 200d $20 — 200d above 50d
Institutional flow
Accumulating
+1% holders QoQ · +145 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
13.74% of float · ▲ +2.9% MoM · 4.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
940 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $15
Now $17 · 11%
Range high $32
vs 200-day avg -13%
vs 50-day avg -4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
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.
|
$22.22B | -34.8% | +35.1% | 35.1 | 13.7% |
|
V
Visa Inc.
|
$669.79B | +7.1% | -4.9% | — | 1.1% |
|
MA
Mastercard Inc
|
$503.20B | +0.4% | +16.4% | 31.6 | 0.9% |
|
AXP
American Express Co
|
$219.09B | -12.3% | +13.4% | 19.7 | 1.5% |
|
COF
Capital One Financial Corp
|
$126.84B | -14.7% | +36.6% | 12.4 | 1.8% |
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 | -5.2% | -6.8% | +2.2% | -4.5% | -34.8% |
| SPY | -1.1% | -2.0% | +16.0% | -1.3% | +11.1% |
| vs SPY | -4.1% | -4.8% | -13.7% | -3.3% | -45.9% |
Key facts
CIK
1818874
CUSIP
83406F102
13F (30d)
33 filings
31 filers
Visit website
Investor relations