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TickerTalks›$SOFI
SOSOFI

SoFi Technologies, Inc.

Rising onWhy it's trendingX mentions rising faster than the marketBacked by solid revenue growthHeavy, mixed discussion
$SOFI·$22B·Financial - Credit Services·Financial Services
$16.65-2.5%YTD-37.5%1Y-22.8%
Mentions · last 7 days
2026-07-16: 3,619 posts2026-07-17: 1,338 posts2026-07-18: 448 posts2026-07-19: 597 posts2026-07-20: 663 posts2026-07-21: 769 posts2026-07-22: 523 posts8,084-8%
Price updated 13h ago·X counts updated 2d ago
SOSOFI
$SOFISoFi Technologies, Inc.
$16.65-2.46%8.1k posts-8%
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.

Hinges on a big eventEvent coming upAI verdict · as of 2026-07-23

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

Digital bank that grew hard and got cut in half — the July 29 print is the test of whether growth or multiple compression wins.

SoFi is the digital-bank-plus-fintech-platform, one of the more successful neobanks to reach real scale. The stock has been cut by more than a third this year even as the underlying business kept growing — the July 29 earnings print is now the setup that decides which side is right.

The two sides of the trade:

  • Growth is genuinely there and accelerating, not decelerating: revenue was +36% YoY at $1.41B last quarter, up from +31% the quarter before — the top line is not what's broken.
  • Ownership is unusually aligned: institutional ownership hit an all-time high above 70%, and CEO Anthony Noto has bought roughly $2.25M of open-market stock — a rare mix of the fast money being fully in while the operator adds to his own stake.
  • Profitability is still thin: 12.6% operating margin and 6% ROE mean the market is being asked to pay 35x trailing earnings for a bank-adjacent business — that gap between growth optics and current earnings is exactly what a $17 print reflects, roughly 21% below the 200-day average.
  • Product momentum is compounding into the print: the Galileo → SoFi Tech Solutions rebrand and the SoFiUSD stablecoin roll-out to 14.7M+ members expand the take-rate story that the July 29 call has to justify.

A beat plus a strong guide can restart the move because the story isn't broken — it's been de-rated on multiple compression. A miss or soft guide validates the crushing and puts the low end of the 52-week range in play.

Agrees with X sentimentX reads bullish into the print — the CEO buying, ATH institutional ownership, and Galileo rebrand line up with real +36% growth. Where we'd add friction: 6% ROE doesn't yet justify a 35x P/E, so earnings has to bridge that gap in tone as much as numbers.

What to watch: July 29 Q2 print — a beat with a raised full-year guide (especially member growth and Tech Platform revenue) is the reversal trigger; a miss or GAAP EPS deceleration confirms the breakdown and puts the 52-week lows in play.

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.

Mixed sentiment169 posts analyzed · as of 2026-07-23

SoFi frustrates a loyal bull base: institutional ownership hit a record 70% and the company launched SoFi USD and business banking in July, with revenue growing over 40% and EPS expected to double in 2026, yet the stock is down roughly 40% YTD in what participants call 'extreme fear.' Bulls call it a $40 or even $100 stock trading around $17, an eventual top-ten US bank, and treat the drawdown as a generational entry. Bears use language like 'amazing company, worst stock in the market' and note the pattern of institutional holders acting more like day traders. The conversation is loudly long on fundamentals but visibly demoralized on price action heading into H2 earnings.

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; limited read-through from financial - credit services macro dynamics to this specific revenue mix.

Industry benchmark

16-name peer basket
+2.4%YTD
-10.2%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 $0.12

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 15 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$4.7B$4.7B – $4.7B$0.60$0.57 – $0.6215
FY27$5.7B$5.6B – $5.9B$0.81$0.79 – $0.8715
FY28$7.2B$7.1B – $7.3B$1.04$0.82 – $1.179
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.10%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.-2.7%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.-23.1%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 today5.8% 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

SellJul 20Kelli KeoughEVP, GBUL, SIPS11.0K sh$188KSellJun 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$165K
1–10 of 14
+ 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...

+ 11 other (4 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.

Bank of New York Mellon Corp Trims Stock Holdings in SoFi Technologies, Inc. $SOFIdefenseworld.net·1d agoSoFi Technologies, Inc. (SOFI) Dips More Than Broader Market: What You Should Knowzacks.com·2d agoSoFi Investors Just Got Great News From JPMorgan Chase and Goldman Sachsfool.com·2d agoHere is What to Know Beyond Why SoFi Technologies, Inc. (SOFI) is a Trending Stockzacks.com·2d agoCalifornia Public Employees Retirement System Has $27.94 Million Stock Position in SoFi Technologies, Inc. $SOFIdefenseworld.net·2d ago

In themes

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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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