SoFi Technologies (SOFI) stock

Loans and bankingFintech and payments

Market cap $23B

$16.60

-0.95%

Loans and banking, market cap $23BFintech and payments

As of 3:51 PM ET, delayed 15+ min · Live for Pro members

Quality Score

Below Average

In its industry

#9of 10

Consumer Finance

Checks firing

1of 14

Trending down

From 52-week high

-49.3%

Below the 200-day

SOFI's Quality Score fell 4 points on Fri, Oct 30, to 1. Its daily swings widened out of the quietest 32.5% of the last 100 days (4 chart checks stopped).

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Why is SOFI down?

Down 48% from its Nov 12, 2025 high.

Its share count rose 16.0% in a year, so each share is a smaller slice of the company.

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

1 more reason, free with an account →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	8-K, Oct 27 Reported its quarterly results

1 more reason behind SOFI's 1, free with an account →5 more reasons behind SOFI's 1, for Pro members.

SOFI in the news

Tue Oct 27SoFi Reports Third Quarter 2026 with Record Net Revenue of $1.4 Billion, Net Income of $241 Million and Raises Full-Year Guidance SEC filing 7:02 AM ET · Business Wire and 26 more SOFI closed +13.4% that day.

Outlet counts from the GDELT Project.

SOFI catalysts

Coming up

After its last 4 reports it closed -4.3% on average, higher 1 of 4 times.

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

Why SOFI scores 1

Below Averagefor quality, not price, 1 of 14 chart checks firingWhat the Quality Score means

−2Long-term trend below a falling 200-⁠day average, down over one year
+3News guidance raised, earnings beat

Chart checks adds
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, and Persistence.

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 3:51 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.
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Each theme's stocks ranked by Quality Score, live. Here, AI chips.
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SOFI has 1 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: 55.5, above its 50-day, below its 200-day

Not scored

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

RSI 1455.5
Above 50, below 70.
MACD (12, 26, 9)Above signal
Crossed above its signal line 6 sessions ago.
50-day average$16.53
The price is 0.4% above it.
200-day average$17.74
The price is 6.4% below it.
50/200 crossDeath cross
The 50-day crossed below the 200-day on Mar 5.
ADX 1425.2
25 or more, with +DI above -DI.
Support$16.48
Swing low from Mar 17, 0.7% below the price.
Resistance$17.96
Swing high from Sep 22, 8.2% above the price.
52-week high$32.73
From Nov 12, 2025, 97.2% above the price.
52-week low$13.86
From Oct 15, 16.5% below the price.
Chart patternNone
No triangle, channel, or wedge in the last year.
Bollinger Bands (20, 2)Inside
The bands run from $13.54 to $17.40.
Volume1.4x
Against its 20-day average, for the time of day.

The deep dive on SOFI

What it does and how it makes money2 findingsFor Pro members2 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 it2 findingsFor Pro members2 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.

11 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	6/14	14
2	DAVEDave	1/14	9
3	SYFSynchrony Financial	4/14	9
	PGYPagaya		Open for its score
	UPSTUpstart		Open for its score
9	SOFISoFi	1/14	1

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

When does SOFI report earnings, and what happens after?

Expected to report Fri Jan 29, before the open (in 88 days). Expected.

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 Oct 27, 2026

The quarter

A profit of $0.18 a share, from $0.11.

The quarter that ended Sep 30, from the company's press release

The press release 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 $5.04Braised

Figures as filed (SEC filing, Oct 27)

3 more outlook lines, for Pro members.

The numbers

Market value: $23B; 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 →

-15.4%-8.9%+13.4%

Apr 29Jul 29Oct 27

Reported	When	Gap	Reaction	5 sessions
Oct 27, 2026Before open	Before open	+10.5%	+13.4%	+14.8%
Jul 29, 2026Before open	Before open	-7.4%	-8.9%	+11.7%
Apr 29, 2026Before open	Before open	-9.9%	-15.4%	-12.8%

SOFI closed higher after 1 of its last 4 reports.

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

SOFI sales and profit by year

Sales and profit by year

Sales grew every year from 2019 to 2025, to $619M. It made a profit in two of the seven years.

Insiders 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, Jun 30 to Aug 31, 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

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SOFI's score card

SoFi Technologies (SOFI): Quality Score 1, Below Average, #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
2 more filings 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

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Straight Answers

As of Nov 2, 2026: SOFI's Quality Score is 1 (Below Average), #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 Below Average. It is #9 of 10 in Consumer Finance & Fintech by Quality Score, with 1 of 14 chart checks firing. Down 48% from its Nov 12, 2025 high. 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 Below Average (0 to 5). 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.