SOFI · NASDAQ · STOCK
SoFi Technologies (SOFI) Stock Analysis
$15.81
52W $14.88 – $32.73
58/100
$20.27B
31.0
2.33
Is SOFI Bullish or Bearish?
Bullish.
Innellis AI committee rates SoFi Technologies (SOFI) Buy with a composite score of 58/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +17.37 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 — -2.63 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 genuinely divided. News Analyst sees a compelling case — news sentiment is positive (+0.27 across 72 articles, 14d). Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
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
- News sentiment is positive (+0.27 across 72 articles, 14d) — News
Bear Case
- P/E of 32.1 is moderate-to-rich — Value
- EPS declining -1.6% YoY despite any revenue growth — Growth
- Price structure making lower highs and lower lows — Technical
- MACD histogram negative -- bearish momentum — Technical
- Trend and market structure agree -- coherent bearish picture — Technical
- Daily trend (downtrend) conflicts with the weekly trend (uptrend) -- fighting the larger trend — 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 October 10, 2026
Overall Committee Score
58/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 61%
of 211 Financial Services peers
Value Analyst
neutral
55
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− P/E of 32.1 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
bearish
39
/ 100 · High confidence
Price action is deteriorating -- trend and/or momentum are working against this name
− Price structure making lower highs and lower lows
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.17) -- balance sheet can absorb a shock
− Bollinger bandwidth of 15.4% signals elevated volatility
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
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.27 across 72 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 56.4 to 57.6.
- New bearish signals: 2 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: score 31->39 (+8).
- Value Analyst: +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
38.6
Neutral
MACD Histogram
-0.024
Bearish Momentum
Trend Direction
Downtrend
Weekly: Uptrend
Market Structure
Lh Ll
Support
$14.93
Resistance
$18.42
Bollinger %B
0.28
Inside Bands
Price vs Moving Averages
EMA 9
$15.88
Below
EMA 21
$16.35
Below
EMA 50
$16.94
Below
EMA 200
$18.38
Below
Fundamental Analysis
Valuation
77
Growth
73
Profitability
47
Financial Health
50
Cash Flow
15
Valuation
P/E Ratio
31.0×
P/B Ratio
1.83×
PEG Ratio
-8.21
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 31.0 (rich relative to a 15-40x range); Price-to-book of 1.8x; PEG ratio of -8.2 (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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