SOFI · NASDAQ · STOCK
SoFi Technologies (SOFI) Stock Analysis
$18.91
52W $14.88 – $32.73
61/100
$24.26B
37.1
2.20
⚠
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 5 analysts with 60% agreement.
Last updated August 23, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +13.53 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 — -6.47 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. Growth Analyst sees a compelling case — quarter-over-quarter growth rate is accelerating, not just positive. Risk Analyst remains cautious — bollinger bandwidth of 21.2% signals elevated volatility. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
- News sentiment is positive (+0.20 across 38 articles, 14d) — News
Bear Case
- Bollinger bandwidth of 21.2% signals elevated volatility — Risk
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 August 23, 2026
Overall Committee Score
61/100
Agreement
60%
Analysts
5
Conviction
Contested
Sector Rank
Top 45%
of 211 Financial Services peers
Growth Analyst
bullish
85
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 21.2% 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
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 38 articles, 14d)
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 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 60.5 to 61.5.
- Committee agreement increased notably from 50% to 60%.
- Bullish support removed: 2 signal(s) disappeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Risk Analyst.
- Analyst(s) abstained: Value Analyst.
Analyst-level changes:
- Growth Analyst: score 63->85 (+22).
- Risk Analyst: stance neutral->bearish; score 58->35 (-22).
- Value Analyst abstained (was neutral at 55).
Comparing 2026-08-22 to 2026-08-23 (1 day apart).
Technical Analysis
RSI (14)
62.1
Neutral
MACD Histogram
0.064
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$14.93
Resistance
$19.74
Bollinger %B
0.81
Inside Bands
Price vs Moving Averages
EMA 9
$18.22
Above
EMA 21
$17.95
Above
EMA 50
$17.69
Above
EMA 200
$18.95
Below
Fundamental Analysis
Valuation
67
Growth
73
Profitability
47
Financial Health
50
Cash Flow
15
Valuation
P/E Ratio
37.1×
P/B Ratio
2.19×
PEG Ratio
-9.83
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 37.1 (rich relative to a 15-40x range); Price-to-book of 2.2x; PEG ratio of -9.8 (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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