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TickerTalks›$SOFI
SOSOFI

SoFi Technologies, Inc.

Trending onWhy it's trendingX chatter picking upStrong bullish X conversationBacked by solid revenue growth
$SOFI·$24B·Financial - Credit Services·Financial Services
$17.32-3.1%YTD-35.0%1Y-19.0%
Mentions · last 7 days
2026-07-10: 2,052 posts2026-07-11: 1,874 posts2026-07-12: 1,451 posts2026-07-13: 1,752 posts2026-07-14: 1,421 posts2026-07-15: 2,656 posts2026-07-16: 3,463 posts14,937+15%
Price updated 14h ago·X counts updated 14h ago
SOSOFI
$SOFISoFi Technologies, Inc.
$17.32-3.08%15k posts+15%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $SOFI, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersWinding up for a moveAI verdict · as of 2026-07-17

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Full-stack digital bank finally profitable while the stock sits near the year's lows.

SoFi is a one-app bank + lending + financial-services platform that has spent the last two years converting sign-ups into a real deposit franchise. It's now GAAP-profitable, growing revenue in the mid-30s, and trading in the bottom quintile of its 52-week range — an unusual combination.

The things that actually moved the story:

  • Growth is broadening, not just lending: Q1 revenue grew 36% YoY to $1.4B with operating margin at 14%, which is what tells you the tech-platform and financial-services segments are picking up the load as personal loans normalize.
  • The tape hasn't caught up to the fundamentals: at 8.5x FY27 EPS on the current $0.60 consensus the shares are priced closer to a legacy lender than a bank growing 30%+, which is where the takeover chatter (Fool, 247wallst) starts to make sense.
  • The insider signal is a light dent, not a warning: net officer selling of ~$1.8M in the last month (Rishel led it) is trivial vs the $24B cap — sells routine, not a cluster.
  • Position and volume argue coiling: the stock sits at only 13% of its 52-week range with 30-day volume down 15%, the classic tightening base after a drawdown.

The forward path is simple: the July 29 Q2 print is the trigger. A revenue beat and any lift to full-year guide gives the bulls the confirmation to push through $19 (the level the community keeps flagging); another 'beat and sell off' quarter and the sideways grind continues. Watch net interest margin — that's what a rate-cut cycle would help most, and where the story either breaks out or stalls again.

Agrees with X sentimentThe X read — a stage-1 base forming with Goldman's fresh $21 target as validation — matches the setup: growth and profitability are there, the tape just hasn't cleared the trigger yet.

What to watch: July 29 Q2 earnings and any full-year guide raise; failure to break the $19-20 level after a beat would confirm the coil is still one-sided.

On the calendar: 2026-07-29 — Q2 2026 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment58 posts analyzed · as of 2026-07-15

SoFi chatter is patiently bullish. Goldman Sachs raised its price target from $17 to $21, and a Stage-1 base is forming with the trigger at $19.63 and upside targets to $21.69, $23.80 and $25.90. CEO Anoto's answer on prediction markets ('our core products are doing so amazing we are already a 1-of-1') is being widely shared, and bulls call SOFI 'a $50 stock next year.' Traders note SOFI was one of the top daily portfolio contributors on 5%+ up-days, and Q2 earnings estimates are being posted upward. The bear thread is limited to frustration about the stock still trading around $19 and the standard 'Citadel algos' complaint.

Read the AI verdict + X sentiment for $SOFI

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Digital-first bank offering student and personal loans, savings, and investing, plus Galileo B2B fintech payments infrastructure.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $SOFI.

Financial - Credit Services · Financial Services

No material change from last week — AI agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model.

What this means for $SOFI

Neutral — Digital-first bank offering student and personal loans, savings, and investing, plus Galileo B2B fintech payments infrastructure; the consumer credit resilience and AI agent payment channel expansion does not materially affect this business's near-term earnings.

Industry benchmark

14-name peer basket
+5.0%YTD
-14.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
35.5How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.1%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
12.6%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
-12.3%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
4.0Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
6.2%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
76.0%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.2Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026Apr 29, 2026$0.12$0.12+0.8%
Q4 2025Jan 30, 2026$0.13$0.12+12.7%
Q3 2025Oct 28, 2025$0.11$0.08+32.0%
Q2 2025Jul 29, 2025$0.08$0.06+30.3%
Next earningsWed, Jul 29·consensus EPS $0.11

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$1.4B+35.8%77.5%14.2%$0.13$50.3M
Q4 FY25$1.3B+32.5%76.4%13.9%$0.14$-1.1B
Q3 FY25$1.3B+28.6%75.1%11.7%$0.12$9.8M
Q2 FY25$1.1B+31.2%74.8%9.9%$0.09$-1.5B

Forward consensus

4-year forecast · up to 16 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$4.7B$4.7B – $4.7B$0.60$0.57 – $0.6216
FY27$5.7B$5.6B – $5.9B$0.81$0.78 – $0.8615
FY28$7.2B$7.1B – $7.3B$1.03$0.82 – $1.169
FY29$8.1B$8.0B – $8.4B$1.38$1.34 – $1.434

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.9×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.13%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+1.9%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-20.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 1.3B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today5.7% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β2.155-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 22Kelli KeoughEVP, GBUL, SIPS11.0K sh$190KSellJun 18Robert S LavetGeneral Counsel1.2K sh$21KSellJun 17Jeremy RishelCTO102.1K sh$1.8MBuyJun 16Anthony NotoCEO13.9K sh$251KSellMay 20Kelli KeoughEVP, GBUL, SIPS10.0K sh$156KBuyMay 11Anthony NotoCEO15.5K sh$249KBuyMay 8Anthony NotoCEO15.9K sh$250KSellApr 21Kelli KeoughEVP, GBUL, SIPS9.7K sh$188KSellMar 20Kelli KeoughEVP, GBUL, SIPS9.7K sh$165KSellMar 18Jeremy RishelCTO95.0K sh$1.7M
1–10 of 13
+ 52 other (25 exempts · 17 inkinds · 9 awards · 1 gift) in window

See when $SOFI insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KShareholder voteJun 188-K — Item 5.07: Shareholder vote
AI summary

Delaware disclosed voting results from its annual or special meeting. On June 17, 2026, SoFi Technologies, Inc. (the “Company”) held its 2026 annual meeting of stockholders (the “Annual Meeting”). At the Annual Meeting, the stockholders voted on the following proposals, each of which is described in more detail in the Company’s definitive proxy statement filed with the U.S. Securities and Exchange Commission on April 30, 2026. 1. To elect ten nominees currently serv...

+ 12 other (5 13Gs · 2 proxys · 2 earnings 8-Ks · 1 10-Q) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

SoFi Could Beat In Q2 And Still Sell Offseekingalpha.com·22h agoSoFi Technologies: The Customer Growth Story Isn't Over (NASDAQ: SOFI)fool.com·1d agoHere's Why SoFi Is a Prime Takeover Target for These Major Financial Players247wallst.com·1d agoSoFi Technologies, Inc. (SOFI) Stock Sinks As Market Gains: Here's Whyzacks.com·2d agoCPI Comes In Cool: Why It Could Revive These 3 Rate-Sensitive Stocksmarketbeat.com·2d ago

In themes

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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