SoFi Technologies (SOFI) Stock: Price, Chart & AI Analysis
SoFi is a financial services company that was founded in 2011 and is based in San Francisco... Show more
SoFi Technologies (SOFI) Stock Analysis: Record Growth Confronts a Steep 2026 Selloff
Key Takeaways
- SOFI traded near $16.69 in early November, up roughly 5.8% over the last 30 days after a high-volume rebound following its third-quarter earnings release.
- The stock surged about 13% on October 27, 2026, after SoFi reported record adjusted net revenue of $1.4 billion and raised its full-year guidance.
- Management introduced preliminary 2027 guidance well above analyst consensus, including roughly $6.4 billion in adjusted net revenue and about $0.90 in adjusted EPS.
- Despite the recent recovery, SOFI remains down more than 30% in 2026 and well below its 52-week high of $32.73, reflecting a persistent disconnect between strong results and investor sentiment.
- A higher-for-longer interest-rate environment, a March short-seller report, and softness in the technology platform segment have weighed on the shares this year.
- Analyst views are mixed, with a consensus Hold rating and an average price target around $20.80, according to S&P Global data.
- For additional detail on this ticker, explore Price Targets, Earnings, and Forecast on dedicated pages.
- To see how automated systems are approaching this and other names, explore Trending AI Robots.
Current Market Snapshot
SoFi Technologies has spent 2026 as a study in the gap between operating performance and share-price behavior. After rallying roughly 70% in 2025, the stock entered a prolonged drawdown this year, losing more than 40% of its value at one point even as the underlying business posted record quarters. The latest 30 days brought a partial reversal: shares climbed from about $15.77 to near $16.69, with the bulk of the move concentrated in a single high-volume session following third-quarter results.
The rebound has not erased the broader trend. SOFI still trades well below its 52-week high of $32.73, and Wall Street sentiment remains split. Of the analysts covering the company, a majority carry a Hold-equivalent rating, with price targets spanning a wide range from $12 to $30, according to S&P Global.
SoFi Technologies (SOFI) Business Overview and Competitive Position
SoFi Technologies is a digital financial services company that describes itself as an "everything financial app." It operates three reportable segments: Lending, Financial Services, and a Technology Platform built around Galileo (banking-as-a-service infrastructure) and Technisys (cloud-based core banking software). The company holds a national bank charter, which it obtained in 2022, allowing it to fund lending activity with member deposits.
Its consumer offerings span personal loans, student loans, home loans, checking and savings through SoFi Money, brokerage and investing through SoFi Invest, a credit card, and the SoFi Plus subscription. Investors follow the stock for its rapid member and product growth, its expanding fee-based revenue mix, and its ambition to become a diversified digital bank rather than a single-product lender. As of the third quarter, SoFi reported 17.1 million members and 26.7 million products, with fee-based revenue representing 42% of the total.
Recent Developments Driving SOFI
The dominant catalyst over the past 30 days was SoFi's third-quarter 2026 earnings report, released on October 27. The company posted adjusted net revenue of $1.4 billion, up 44% year over year, alongside adjusted EPS of $0.18, narrowly above the $0.17 consensus. Adjusted EBITDA rose 70% to $469.8 million, and GAAP net income reached $241 million, marking a 12th consecutive profitable quarter.
What moved the stock most was forward guidance. SoFi raised its full-year 2026 outlook to roughly $5.04 billion in adjusted net revenue and $0.61 in EPS, and introduced 2027 guidance of approximately $6.4 billion in revenue and $0.90 in adjusted EPS, above Street expectations. Record loan originations of $16.9 billion, up 71% year over year, and a record 1.2 million new members added further supported the rally.
Analyst actions were also notable. StoneX Financial initiated coverage with a Buy rating and a $25 target in mid-October, while Goldman Sachs raised its target to $18 following the earnings release while maintaining a Neutral rating. At the same time, the company continues to navigate a higher-rate backdrop, with management noting the 2026 environment shifted from expected rate cuts to rate hikes, and a previously disclosed technology platform client exit that has pressured that segment's revenue.
Trending AI Robots
Tickeron's Trending AI Robots page showcases a curated selection of automated trading systems drawn from a much larger universe of hundreds of AI-powered bots that trade thousands of tickers. Only the top-performing and most relevant bots make it into this section, giving visitors a focused view of strategies currently generating attention. The bots vary considerably in approach, holding timeframe, and performance metrics, so the page is best understood as a starting point for research rather than a one-size-fits-all recommendation. Investors interested in systematic, data-driven approaches to the markets can browse the page to see which strategies are drawing the most activity.
2026 Outlook and What Investors Should Watch
Looking ahead, the key question for SOFI is whether its growth can continue converting into durable earnings at a pace that satisfies a skeptical market. Investors will monitor execution against the raised 2026 guidance and the newly introduced 2027 targets, particularly the trajectory of adjusted net income margins toward management's stated 20% goal. The interest-rate environment remains a central swing factor, given its influence on lending spreads, deposit costs, and loan demand.
Other factors worth watching include credit performance in the personal loan book, the continued shift toward fee-based revenue as management pushes toward a 50% mix, and any recovery in the technology platform segment after the client transition. Capital ratios, which Goldman Sachs flagged as declining, and the company's stablecoin initiative are additional areas of focus. As always, these are forward-looking considerations, not guarantees, and each carries risk as well as potential reward.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
SOFI in +4.43% Uptrend, advancing for three consecutive days on November 09, 2026
Moving higher for three straight days is viewed as a bullish sign. Keep an eye on this stock for future growth. Considering data from situations where SOFI advanced for three days, in 231 of 284 cases, the price rose further within the following month. The odds of a continued upward trend are 81%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Moving Average Convergence Divergence (MACD) for SOFI just turned positive on October 23, 2026. Looking at past instances where SOFI's MACD turned positive, the stock continued to rise in 41 of 51 cases over the following month. The odds of a continued upward trend are 80%.
SOFI moved above its 50-day moving average on November 09, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for SOFI crossed bullishly above the 50-day moving average on November 06, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 12 of 15 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 80%.
Bearish Trend Analysis
The 10-day RSI Indicator for SOFI moved out of overbought territory on October 30, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 29 similar instances where the indicator moved out of overbought territory. In 23 of the 29 cases, the stock moved lower in the following days. This puts the odds of a move lower at 79%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 49 of 54 cases where SOFI's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 90%.
The Momentum Indicator moved below the 0 level on November 10, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on SOFI as a result. In 75 of 90 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 83%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where SOFI declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 83%.
SOFI broke above its upper Bollinger Band on October 27, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for SOFI entered a downward trend on October 26, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 9 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 58 (best 1 - 100 worst), indicating steady price growth. SOFI’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 88 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Valuation Rating of 91 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.890) is normal, around the industry mean (3.902). SOFI has a moderately high P/E Ratio (31.173) as compared to the industry average of (6.401). Projected Growth (PEG Ratio) (0.563) is also within normal values, averaging (3.918). Dividend Yield (0.000) settles around the average of (0.189) among similar stocks. P/S Ratio (5.249) is also within normal values, averaging (5.901).
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. SOFI’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 80, placing this stock worse than average.
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