Stock Analysis
SoFi Technologies, Inc. (SOFI) Stock Analysis
SoFi Technologies, Inc. (SOFI) stock analysis covering valuation, fundamentals, technical indicators, risk, AIQ Momentum, analyst catalysts, dividends, and the current AIQ Score.
SoFi Technologies, Inc. (SOFI) currently has an AIQ Score of 39/100, indicating a bearish setup. Sentiment is the strongest factor at 63/100. Risk is the weakest current factor at 25/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
SOFI at a Glance
Crawlable current metrics from the latest market-close stock snapshot.
| Metric | Current |
|---|---|
| Price | $14.90 |
| AIQ Score | 39/100 |
| Overall View | Bearish |
| Technical Analysis Consensus | Strong Sell |
| Market Cap | $21.87B |
| P/E Ratio (TTM) | 33.43 |
| Forward P/E | — |
| EPS (quarter ended 2026-06-30) | $0.12 |
| Revenue (quarter ended 2026-06-30) | $1.57B |
| Dividend Yield (TTM) | 0.00% |
| Beta | 2.2 |
| Volume | 33.61M |
| 52-week range | $13.86-$32.73 |
| RSI 14 | 39.74 |
| 50-Day SMA | $16.88 |
| 200-Day SMA | $18.17 |
| Analyst Price Target | $20.61 |
| Next Earnings | Oct 27, 2026 |
SOFISoFi Technologies, Inc.
Financial Services / Financial - Credit Services
Low Priority
Relative Laggard
Latest quote
- Momentum33
- Value27
- Quality62
- Risk resilience25
- Sentiment63
SOFI Stock Analysis Summary
SoFi Technologies, Inc. (SOFI) currently has an AIQ Score of 39/100, indicating a bearish setup. Sentiment is the strongest factor at 63/100. Risk resilience is the weakest current factor at 25/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
In a bearish regime, SOFI has AIQ Score of 39/100 with Sentiment base of 63/100 and fading Risk resilience at 25/100. Wait for component alignment before adding exposure.
Sentiment (63/100) leads while Risk resilience (25/100) lags. This cross-factor spread creates entry timing uncertainty.
Financial Services · 1.50% stock move · SOFI classified in Financial - Credit Services.
Current Evidence
AlgovestIQ Evidence Summary
Current consensus, supporting evidence, recent changes, and what would strengthen or weaken the view.
Is SOFI Bullish or Bearish Right Now?
SOFI currently has a bearish overall setup. Sentiment is the strongest factor at 63/100, while Risk Resilience is weakest at 25/100. The current evidence suggests a defensive setup.
- - Quality is supportive at 62/100.
- - Analyst target implies +38.32% upside from the latest quote.
- - Value is the current constraint at 27/100.
- - Momentum is weak at 33/100.
- - Risk Resilience is weak at 25/100.
- - Price is -18.02% below its 200-day SMA.
- - Technical consensus has more sell votes than buy votes (35 vs 4).
Current Consensus
SOFI's Technical Analysis Consensus is currently Strong Sell, with 4 buy, 6 neutral, and 35 sell votes. SOFI's 14-day RSI is 39.74, which places the stock in a weaker momentum range. SOFI's beta is 2.2, indicating greater market sensitivity than the broad market.
What Changed in SOFI?
The largest recent change in SOFI is Momentum moving up by 8.0 points over the available 7-day comparison window. Sentiment remains the strongest visible factor.
What Would Change the SOFI Outlook?
The current bearish outlook could improve if AIQ moves above 70, momentum recovers, earnings revisions strengthen, and price confirms a stronger trend above the 50-day and 200-day moving averages. It would weaken if AIQ falls below 40, price loses long-term moving-average support, analyst expectations deteriorate, or risk evidence worsens.
AIQ > 70, RSI above 55, price above SMA-50/SMA-200, and positive catalyst or estimate-revision evidence.
AIQ below 40, RSI below 45, loss of SMA-200, negative revisions, or rising volatility and drawdown risk.
SOFI Decision Framework
Public evidence layers, setup checks, and risk context for SoFi Technologies, Inc..
SoFi Technologies, Inc. (SOFI) Stock Analysis
SoFi Technologies, Inc. has an AIQ Score of 39/100 in a Defensive regime. Sentiment is strongest at 63/100. Beta is 2.33, above market sensitivity. Review the supporting stock factors together before drawing a conclusion from any single score.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | SOFI is in a Defensive AIQ regime with score 39/100. |
| Signal Conflict | The primary conflict is that sentiment leads at 63/100 while risk lags at 25/100. |
| Factor Evidence | Momentum 33/100 · Value 27/100 · Quality 62/100 · Risk 25/100 · Sentiment 63/100 |
| Persistence | Current snapshot evidence is shown; historical persistence remains in AIQ Pro. |
Current Setup Checklist
Sentiment is the strongest factor at 63/100.
Momentum is 33/100 and RSI (14) is 39.7.
SOFI is in a Defensive regime at 39/100.
Risk factor is 25/100 with beta 2.33 and annual volatility 56.05%.
Current conflict: sentiment leads at 63/100 while risk lags at 25/100.
SOFI Research Cluster
Ticker-specific paths for valuation, technical analysis, catalysts, dividends, financials, risk, and news.
SOFI Fundamentals
SOFI valuation, profitability, growth, margins, balance-sheet strength, and free cash flow.
SOFI Technical Analysis
SOFI technical setup based on RSI, MACD, moving averages, AIQ Momentum, volume, trend, volatility, and pivots.
SOFI Stock Catalysts
Track SOFI earnings, analyst ratings, price targets, estimate revisions, stock news, and upcoming events.
SOFI Dividend Analysis
SOFI dividend yield, annual dividend, payout ratio, payment history, and income reliability context.
SOFI Financial Data
SOFI revenue, earnings, income statement, balance sheet, cash flow, valuation ratios, and stock metrics.
SOFI Risk Analysis
SOFI volatility, beta, drawdown, Sharpe ratio, VaR, and downside resilience.
SOFI Stock News
SOFI stock news, market tone, recent headlines, and catalyst context.
SOFI vs Fintech & Payments Peers
Current peer cohort: SOFI · UPST · HOOD · SQ · PYPL. Compare AIQ, factor scores, Sharpe ratio and 1-year volatility in one indexable view.
| Peer | AIQ | Value | Momentum | Risk | Sharpe | 1Y Volatility | Compare |
|---|---|---|---|---|---|---|---|
| SOFI Current stock | 39/100 | 27/100 | 33/100 | 25/100 | -0.96 | 56.05% | Current |
| UPST Upstart | 38/100 | 37/100 | 46/100 | 28/100 | -0.9 | 64.82% | SOFI vs UPST |
| HOOD Robinhood | 36/100 | 24/100 | 33/100 | 29/100 | -0.1 | 71.81% | SOFI vs HOOD |
| SQ Block (Square) | 49/100 | 46/100 | — | 57/100 | — | — | SOFI vs SQ |
| PYPL PayPal | 67/100 | 63/100 | 79/100 | 62/100 | -0.32 | 42.86% | SOFI vs PYPL |
Peer cohort is resolved dynamically from the AlgovestIQ universe taxonomy and Compare relationship graph. Data as of Oct 21, 2026.
Popular SOFI Comparisons
How SOFI scores against the names it is most often compared with.
About the AIQ Score
Methodology for the current stock evidence.
The AlgovestIQ AIQ Score combines multiple dimensions of stock evidence, including momentum, valuation exposure, quality, risk resilience, sentiment context, and timing signals. It is a descriptive research score, not a guarantee of future performance or a personalized recommendation.
View AIQ methodologyFactor Diagnostics
A compact bridge from the AIQ score to the evidence tabs.
Open the return calculator with stock context while purchase price, shares, dates and fees remain user inputs.
AIQ Component Profile
Compare the five component scores on one consistent 0–100 scale.
Review earnings timing, revisions, news pressure, and prior event reactions in one place.
Open catalysts3 recent quarterly periods are available for review.
Checked Oct 21, 2026
Explore factor drivers, conflicts, persistence, and scenario sensitivity in the advanced workspace.
Fundamentals Verdict
Current snapshot fields are separate from reported-quarter statement tables.
Latest period Jun 30, 2026.
Market Confirmation
Technicals are summarized first, with the indicator library behind it.
Risk Alignment
Higher resilience is stronger; exposure metrics stay separate.
Continue Researching SOFI
Open the detailed evidence pages and workflows behind the stock overview read.
Premium Feature
Full AIQ Analysis
AIQ Intelligence
AIQ Pro for SOFI
Scenario Analysis
AIQ Scenario Builder
Portfolio Implication
Related Links
SOFI Stock FAQ
What is SOFI stock price today?
SoFi Technologies, Inc.'s current stock price is $14.90. Use the live quote with AIQ Score, news, and risk context rather than treating price alone as a decision signal.
Is SOFI bullish or bearish right now?
SOFI's bullish or bearish read depends on the current AIQ Score, factor alignment, technical analysis consensus, valuation, risk, and catalyst evidence. A mixed setup should be treated differently from a broad confirmation across those signals.
What is SOFI's market cap?
SOFI's market cap is $21.87B based on the latest completed market-close snapshot from Oct 21, 2026. Use it with P/E ratio, revenue, and growth metrics to frame company size, valuation, and peer comparisons.
What is SOFI's current P/E ratio?
SOFI's current P/E ratio is 33.43 based on the latest completed market-close snapshot from Oct 21, 2026. Read it with revenue growth, margins, EPS, cash flow, and peer valuation rather than using P/E alone.
What is SOFI's RSI?
SOFI's 14-day RSI is 39.74 based on the latest completed market-close snapshot from Oct 21, 2026. RSI should be interpreted with MACD, moving averages, volume, volatility, and price trend.
Is SOFI above its 50-day and 200-day moving averages?
SOFI is -11.73% from its 50-day SMA and -18.02% from its 200-day SMA based on the latest completed market-close snapshot from Oct 21, 2026. Moving-average position should be read with momentum and broader AIQ evidence.
When is SOFI's next earnings date?
SOFI's next earnings date is currently listed as Oct 27, 2026. Earnings can reset revenue, EPS, price target, analyst rating, and catalyst expectations.
Does SOFI pay a dividend?
SOFI's dividend yield is 0.00% based on the latest completed market-close snapshot from Oct 21, 2026. Dividend yield should be read with payout ratio, free cash flow, growth, and balance-sheet strength.