SOFI · NASDAQ · STOCK
SoFi Technologies (SOFI) Stock Analysis
$16.85
52W $14.88 – $32.73
61/100
$21.90B
33.5
2.21
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is SOFI Bullish or Bearish?
Bullish.
Innellis AI committee rates SoFi Technologies (SOFI) Buy with a composite score of 61/100
, based on 6 analysts with 50% agreement.
Last updated September 17, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +13.84 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -6.16 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- Revenue growing 205.5% YoY -- genuine top-line momentum — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Low leverage (debt-to-equity 0.17) -- balance sheet can absorb a shock — Risk
Bear Case
- P/E of 34.7 is moderate-to-rich — Value
- EPS declining -1.6% YoY despite any revenue growth — Growth
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 17, 2026
Overall Committee Score
61/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 46%
of 211 Financial Services peers
Value Analyst
neutral
55
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− P/E of 34.7 is moderate-to-rich
Growth Analyst
bullish
63
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 205.5% YoY -- genuine top-line momentum
− EPS declining -1.6% YoY despite any revenue growth
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.17) -- balance sheet can absorb a shock
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
55
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2514.55)
Investment Thesis Evolution
Committee score moved marginally from 61.2 to 61.2.
- New bearish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Value Analyst: +1 bearish signal(s).
Comparing 2026-09-16 to 2026-09-17 (1 day apart).
Technical Analysis
RSI (14)
38.9
Neutral
MACD Histogram
-0.136
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Lh Ll
Support
$14.93
Resistance
$18.42
Bollinger %B
0.14
Inside Bands
Price vs Moving Averages
EMA 9
$17.58
Below
EMA 21
$17.80
Below
EMA 50
$17.78
Below
EMA 200
$18.80
Below
Fundamental Analysis
Valuation
73
Growth
73
Profitability
47
Financial Health
50
Cash Flow
15
Valuation
P/E Ratio
33.5×
P/B Ratio
1.98×
PEG Ratio
-8.87
Dividend Yield
0.00%
52W High
$32.73
52W Low
$14.88
Quality & Growth
ROE
458.9%
ROA
95.0%
Gross Margin
7645.9%
Operating Margin
1321.5%
Revenue Growth YoY
—
Debt / Equity
0.31
AI Fundamental Assessment
P/E ratio of 33.5 (rich relative to a 15-40x range); Price-to-book of 2.0x; PEG ratio of -8.9 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 4.6%; Return on assets of 1.0%; Net margin of 11.4%; Gross margin of 76.5%; Current ratio of 0.16 (tight short-term liquidity); Debt-to-equity of 0.31; Free cash flow per share is negative (-3.88); Most recent quarter beat estimates by 6.9%; EPS growth accelerating (-7.7% -> +0.0% QoQ); Average YoY EPS growth of 50.0%; Analyst estimates falling over recent quarters
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