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TickerTalks›$SOFI
SOSOFI

SoFi Technologies, Inc.

Rising onWhy it's trendingX chatter picking upStrong bullish X conversationBacked by solid revenue growth
$SOFI·$21B·Financial - Credit Services·Financial Services
$16.50+2.9%YTD-39.9%1Y+17.3%
Mentions · last 7 days
2026-06-03: 1,177 posts2026-06-04: 1,381 posts2026-06-05: 2,209 posts2026-06-06: 2,105 posts2026-06-07: 2,177 posts2026-06-08: 1,852 posts2026-06-09: 1,660 posts12,642+14%
Price updated 2d ago·X counts updated 1d ago
SOSOFI
SoFi Technologies, Inc.$SOFI
$16.50+2.90%13k posts+14%
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 2026-06-10

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

Profitable fintech beaten down 40% YTD with a stacked catalyst calendar — the chart is dragging while the business runs.

SoFi is the all-in-one digital bank serving young professionals — checking, loans, investing, credit cards — and over the last two years it became one of the few US fintechs growing fast while turning a real profit. The stock is down 40% YTD anyway, and June brings a stacked catalyst week: SpaceX IPO allocations on the 12th, the Coach AI launch, and rolling S&P 500 inclusion speculation. Q1 revenue grew 36% YoY to $1.41B with ten straight GAAP-profitable quarters and a 14% operating margin — at a $20B market cap that's a P/S of 4x for a business compounding faster than the average S&P bank. Insider activity in May was a single $156K officer sale on top of routine vesting tax-withholding — basically a non-signal. The setup is asymmetric — the operating story works, the chart hasn't confirmed; the SpaceX IPO is the binary catalyst that decides whether June ends with a re-rate or another lower-low.

Agrees with X sentimentAgree — the SpaceX IPO + Coach AI + S&P 500 catalyst stack X is highlighting is real, and the ten-straight-profitable-quarter framing holds. The bear note that volume off the lows is unconvincing is the honest counter that bulls in the thread mostly skip.

What to watch: Jun 12 SpaceX IPO allocations — actual SoFi user activation on the offer is the data point. A close back above $20 with confirming volume validates the bottom; a 10% lower-low after the catalyst lands kills the turnaround read.

On the calendar: 2026-06-12 — SpaceX IPO investor allocations

float missingbeta missing

X sentiment

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

Bullish sentiment144 posts analyzed · as of 2026-06-09

Conviction is high heading into a stacked catalyst window — SpaceX IPO access on June 12, the SoFi Coach AI launch, Galileo's co-brand debit program, and S&P 500 inclusion speculation that posters argue is now reasonable with market cap above $23B and ten straight GAAP-profitable quarters. Bulls project a $4.8B Q2 revenue run rate and triple-digit prices by 2030. Bears note the chart is still down ~50% from highs with no clear volume confirmation off the lows, but heavy CEO insider buying and 'turd without crypto' takes on HOOD reframe the comparison favorably.

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

Agentic commerce is repricing payment network infrastructure — Visa, Mastercard, and Amex are building AI agent transaction APIs as long-duration positioning. AI-driven credit underwriting (UPST) faces securities litigation overhang. Consumer credit normalization and higher-for-longer rates continue to pressure fintech lenders' cost of capital.

What this means for $SOFI

Partial — digital bank benefits from Galileo B2B fintech infrastructure serving fintechs building AI-native financial products; deposit growth and net interest margin track rate environment.

See how Financial - Credit Services shapes $SOFI

  • Where the industry is in its cycle and the catalysts moving it now
  • What this means specifically for $SOFI's next move
  • Peer-basket or ETF benchmark you can use to gut-check the read
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Industry benchmark

8-name peer basket
-23.1%YTD
-27.3%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$0.120.0%
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 earningsTue, Aug 4·consensus EPS $0.12

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$4.5B – $4.7B$0.60$0.53 – $0.6216
FY27$5.7B$5.1B – $6.2B$0.81$0.59 – $0.9215
FY28$7.1B$7.0B – $7.3B$1.02$0.75 – $1.199
FY29$8.1B$7.5B – $8.5B$1.38$1.25 – $1.464

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.1.1×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.-4.3%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.-30.5%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Know if $SOFI is setting up — or just chopping

  • Volume multiple vs 30-day baseline — catch unusual interest before the move
  • Position vs 50d & 200d MAs and 52-week range — trend direction at a glance
  • Float bucket, beta, and active-offering flags — what kind of stock you're trading
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Insider activity

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

Recent transactions

SellMay 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$1.7MBuyMar 17Anthony NotoCEO28.9K sh$501KBuyMar 2Anthony NotoCEO56.0K sh$1.0MSellFeb 20Kelli KeoughEVP, GBUL, SIPS9.8K sh$184K
+ 25 other (9 inkinds · 9 exempts · 7 awards) 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

3New insider — initial holdingsJan 163
8-KOfficer or director changeJan 98-K — Item 5.02: Officer or director change
+ 13 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.

Want to Retire a Millionaire? This Under-$20 Stock Deserves a Look.fool.com·4d agoSoFi's Rule of 40 Strength is Becoming Impossible for Investors to Ignorezacks.com·5d agoSoFi's New Product Is a Game-Changerfool.com·6d agoThe Market Is Missing SoFi Technologies' Next Chapterseekingalpha.com·6d agoSoFi vs. Robinhood: Which Is the Better Buy Right Now?fool.com·6d ago

In themes

Explore the broader themes this ticker is being talked about under.

Stablecoins & TokenizationConsumer Fintech & Neobanks

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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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