SoFi Technologies (SOFI) stock

Loans and bankingFintech and payments

Market cap $19B

$14.46

-1.06%

Loans and banking, market cap $19BFintech and payments

As of Monday's close · Live for Pro members at the open

Quality Score

-1

Poor

In its industry

#9of 10

Consumer Finance

Checks firing

2of 14

Trending down

From 52-week high

-55.8%

Below the 200-day

SOFI's Quality Score rose 1 point on Mon, Oct 26, to -1. Its daily swings narrowed into the quietest 25% of the last 100 days (2 chart checks started).

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Why is SOFI down?

Down 29% over five years while the S&P 500 rose 78%.

Its share count rose 16.0% in a year, and its Oct 14 close of $14.22 was its lowest since Jun 13, 2025.

Sources: Price history, Oct 23, 2026; Quarterly reports, Jun 30, 2026

1 more reason why SOFI lags the market, from its filings, with the other side and the timeline, for Pro members.

Key facts on SOFI

Key facts on SOFI
Holding it back	Margin down 17.6 points
Latest filing	10-Q, Aug 6 Filed its quarterly report (10-Q) for the quarter to Jun 30, 2026

5 more reasons behind SOFI's -1, for Pro members.

SOFI in the news

ReportReports tomorrow, before the open. Every 3 months, a company tells everyone how much it sold and earned. It fell after 3 of its last 4 reports, -6.3% on average. Past reports ›

SOFI catalysts

Coming up

After its last 4 reports it closed -6.3% on average, higher 1 of 4 times.

28 past catalysts since 2021, with sizes and sources, for Pro members.Get in free →

Why SOFI scores -1

PoorTrending down, 2 of 14 chart checks firingWhat the Quality Score means

+2Chart checks 2 of 14 firing right now, one point each
−2Long-term trend below a falling 200-⁠day average, down over one year

Size adds
Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Growth subtractsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.
Dilution subtractsNew shares over the year: -1 at 10% more, -2 at 25% more.
Cash flow subtracts-1 when free cash flow over the last four quarters is negative.

No effect today: Run-up, Volatility, Persistence, and News.

What every line is worth, and the reason behind it, on SOFI and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 8:36 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-⁠scored stocks returned 2.2x the average stock over the next month. How we tested it

Alert me when SOFI's Quality Score turns up

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Here is what Pro members see.

The same page for Pro members, on AMD
Its Quality Score and rank, the line that drives it, and the live price.
The full chart
A year of candles to start, out to the whole history, with insider trades marked and the Quality Score under the price.
Every line of the score
Price action, the company, and signals, each with its points, on SOFI and every other stock.
CEOs buying their own stock
Every CEO buy, biggest names first. Sort, filter, save the list, and set optional alerts.
Congress trades
A member's trades, newest first, each with its amount. Sort and filter the whole list.
14 chart checks, read for you
The ones firing on the stock, each in plain words, its rule a tap away.
Earnings, week by week
Who reports each day, and how each stock took its last four reports.
FDA dates, counted down
Each date in the company's words, its cash against the date, and an optional alert before it.
The market map
Every stock a box, colored by its Quality Score.
Themes, ranked live
Each theme's stocks ranked by Quality Score, live. Here, AI chips.
The top 10, every day
The ten highest Quality Scores at each close, kept day by day, week by week.
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Pick a stock, a score, a price, a filing, or a whole scan. It tells you by push or email.
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Your stocks by Quality Score, today's move, or name.
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Prices refresh every 2.5 seconds during market hours.
Optional alerts by push, email, or the bell.
Add it to your Home Screen and it opens like an app.

SOFI has 2 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on SOFI, and all 14 on every stock.Get in free →

SOFI RSI today: 36.9, below its 50-day and 200-day averages

Not scored

Not in the Quality Score: over 20 years of tests, 2006 to 2026, they added no edge.

RSI 1436.9
Above 30, below 50.
MACD (12, 26, 9)Above signal
Crossed above its signal line 1 session ago.
50-day average$16.66
The price is 13.2% below it.
200-day average$17.99
The price is 19.6% below it.
50/200 crossDeath cross
The 50-day crossed below the 200-day on Mar 5.
ADX 1424.6
Under 25, with +DI below -DI.
Support$13.86
Swing low from Oct 15, 4.1% below the price.
Resistance$17.96
Swing high from Sep 22, 24.2% above the price.
52-week high$32.73
From Nov 12, 2025, 126.3% above the price.
52-week low$13.86
From Oct 15, 4.1% below the price.
Chart patternFalling channel
Lines over the Aug 28 and Sep 22 highs and under the Sep 2 and Oct 15 lows.
Bollinger Bands (20, 2)Inside
The bands run from $14.04 to $16.36.
Volume0.9x
Against its 20-day average, for the time of day.

The deep dive on SOFI

What it does and how it makes money3 findingsFor Pro members3 findings on what SOFI does and how it makes money, for Pro members
Where it stands4 findingsAt the past year's pace of $2.13B a quarter, its $3.13B in cash covers about 2 quarters. Arithmetic on filed figures, not a forecast.Balance sheet of Jun 30, 2026, filed Aug 6, 2026
What changed in its filings5 findingsA new heading in its "Risk Factors" this year: "Our oversight of third-party service providers is subject to regulation, supervision and examination by our prudential and other regulators, and if our oversight is found to be lacking, it may adversely affect our business." (10-K for fiscal 2025; not in fiscal 2024's)SEC filing · Feb 17, 2026, against the one of Feb 24, 2025
Who holds and trades it3 findingsFor Pro members3 findings on who holds and trades SOFI, for Pro members
Against its closest peers4 peersFree cash flow over four quarters: SOFI -$8.79B, CHYM $312M, DAVE $327M.

13 more findings on SOFI, each with its source, for Pro membersGet in free →

How SOFI ranks in Consumer Finance

SOFI is #9 of 10 by Quality Score among Consumer Finance & Fintech.

How SOFI ranks in Consumer Finance
1	OPRTOportun Financial	9/14	17
2	DAVEDave	2/14	10
3	PGYPagaya	4/14	8
	SYFSynchrony Financial		Open for its score
	UPSTUpstart		Open for its score
9	SOFISoFi	2/14	-1

Free cash flow over four quarters: SOFI -$8.79B, CHYM $312M, DAVE $327M.

When does SOFI report earnings, and what happens after?

Reports Tue Oct 27, before the open (tomorrow). Confirmed.

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What SOFI reported on Jul 29, 2026

The quarter

The figures are not read from the release yet.

The filing on EDGAR

Where the sales came from

SOFI's results filing gives no sales by line in a table we read.

The outlook

The outlook the company gave, by period
Measure	Figure
Full year 2026
Adjusted net revenue	about $4.75B to $4.85Braised

Figures as filed (SEC filing, Jul 29)

3 more outlook lines, for Pro members.

The numbers

Market value: $19B; today
Sales: $610M; up 9.2% on the year
Free cash flow: -$8.8B; last 12 months

Sales grew 43% a year over 5 years, fiscal 2020 to 2025.

Its share count grew 12% a year over 3 years.

3 more figures, for Pro members.

No analyst estimates on Breakaway: every figure here is filed.

The whole report on SOFI: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.Get in free →

-6.4%-15.4%-8.9%

Jan 30Apr 29Jul 29

Reported	When	Gap	Reaction	5 sessions
Jul 29, 2026Before open	Before open	-7.4%	-8.9%	+11.7%
Apr 29, 2026Before open	Before open	-9.9%	-15.4%	-12.8%
Jan 30, 2026Before open	Before open	+4.4%	-6.4%	-20.1%

SOFI closed higher after 1 of its last 4 reports.

All 4 reports, and SOFI's Quality Score going into each

Everyone reporting earnings this week

Who is trading SOFI

SOFI insider trades

One insider bought $749K across 3 filings, and one insider sold $21K across 1 filing, in the last 6 months. The newest:

SellRobert S. Lavet$21KGeneral Counselat $17.55 on Jun 18, filed Jun 22

SellRobert S. LavetGeneral Counsel$21Kat $17.55 on Jun 18, filed Jun 22

All 4 insider filings on SOFI from the last six months, for Pro members.Get in free →

All SOFI insider trades

SOFI trades by Congress and the executive branch

One trade disclosed in the last six months. The newest:

SellDonald Trump$1K to $15KPresident (R)traded May 18, disclosed Jul 1(44 days later)

SellDonald TrumpPresident (R)$1K to $15Ktraded May 18, disclosed Jul 1(44 days later)

See what Congress is buying across the market

SOFI's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Anthony NotoChief Executive Officer · 4 trades
Christopher LapointeCFO and PAO
Kelli KeoughEVP, Gbul, Sips · 12 trades
Jeremy RishelChief Technology Officer · 4 trades
Arun PintoChief Risk Officer · 1 trade
Eric SchuppenhauerEVP GBUL Borrow · 1 trade
Robert S. LavetGeneral Counsel · 1 trade
Stephen SimcockGeneral Counsel

6 more officers and directors file at SOFI. Each page above names the rest.

See insider trades by person

Which ETFs hold SOFI?

In ETFs: SOFI is under 0.1% of SCHG and under 0.1% of VTI, the most of the 24 funds Breakaway covers, by each fund's latest filing, May 31 to Jun 30, 2026.

About SoFi Technologies

SoFi is a financial services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.

6,100 employeesSan Francisco, CAsofi.com

What SoFi Technologies says it competes with

“We compete at multiple levels, including: (i) competition among other personal loan, student loan, credit card and residential lenders, (ii) competition for deposits among other banks, some challenger banks and a variety of technology and retail companies, (iii) competition with social media and other commerce platforms and applications that offer peer-to-peer, in-app and social commerce payment capabilities, (iv) competition for investment accounts among other introductory brokerage firms and a variety of technology and other companies, (v) competition with other digital asset trading platforms and banks that offer digital asset trading and other services and products, (vi) competition for subscribers to financial services content, and (vii) competition among other technology platforms for the enterprise services we provide, such as platform as a service and cloud-native digital and core banking services.”

From its annual report, SEC filing · Feb 17, 2026

What it says it does, for Pro membersGet in free →

SOFI's score card

SoFi Technologies (SOFI): Quality Score -1, Poor, #9 of 10 in Consumer Finance, with its price, on Breakaway — The picture a link to this page shows when it is shared.

Pro members see every line of every stock's score.

What would turn SOFI's score around: 8 things
1 more filing explained, a plain line each
Real-⁠time prices, no delay

BreakawayJun 16Anthony Noto bought SOFI$251K at $18.06, filed Jun 16

Alerts are optional.

See SOFI's 14 chart checks

See it live, free until Wednesday morning. No account. No card. Then keep going with a free account.

Straight Answers

As of Oct 26, 2026: SOFI's Quality Score is -1 (Poor), #9 of 10 in Consumer Finance & Fintech. Insiders bought $749K and sold $21K in the last 6 months (Form 4).

Is SOFI a good stock to buy? What its Quality Score says

SOFI scores -1 today, which Breakaway calls Poor. It is #9 of 10 in Consumer Finance & Fintech by Quality Score, with 2 of 14 chart checks firing. Down 29% over five years while the S&P 500 rose 78%. Shares: 16.0% more than a year ago (to Jun 30). Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is SOFI's Quality Score?

SOFI scores -1 today, which Breakaway calls Poor (below zero). That is #9 of 10 in Consumer Finance & Fintech by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind SOFI's -1.

Are insiders buying SOFI?

One insider bought $749K across 3 filings, and one insider sold $21K across 1 filing, in the last 6 months. The newest is Robert S. Lavet, General Counsel, who sold $21K on Jun 18. Every filing, with the scored weight, for Pro members.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.