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TickerTalks›$SOFI
SOSOFI

SoFi Technologies, Inc.

$SOFI·$23B·Financial - Credit Services·Financial Services
$17.39-3.4%YTD-32.4%1Y-30.6%
Price updated 5m ago·X counts updated 21h ago
SOSOFI
$SOFISoFi Technologies, Inc.
$17.39-3.42%3.4k posts1.2×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $SOFI on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

3,415X posts · last 7 days
Aug 26Sep 8
Chatter Meter
1.2×
QuietNormal · 1×Loud

How loud $SOFI's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 91% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data184 posts analyzed · as of 2026-09-08

SoFi's crowd is bullish but visibly frustrated after another S&P 500 snub, with holders leaning on Anthony Noto's insider buying at $17-18 and Scotiabank's fresh $25 target as reasons to keep DCA-ing. Bulls hammer 19 straight Rule of 40 quarters, member growth and the new Kraken/SoFiUSD 24/7 settlement deal, while a smaller camp openly compares the range-bound chart unfavorably to $HOOD.

Read what X is saying about $SOFI

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $SOFI — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersStalledAI verdict · as of 2026-09-09

The move has stalled — likely just drifts unless something new shows up.

The digital consumer bank keeps hitting its numbers while the stock keeps getting passed over for the S&P — fundamentals ahead of sentiment.

SoFi is the mobile-first consumer bank — one app for checking, saving, lending, and investing. The business keeps executing on Rule of 40, but the stock has been stuck around $18 all year while another S&P inclusion round passed it over.

  • Revenue grew 36% YoY to $1.41B last quarter with operating margins near 14% — this is a genuinely profitable growth story now, which is why the 19-quarter Rule of 40 streak is intact even at scale.
  • At about 4x sales and 35x TTM earnings, valuation is reasonable for the growth rate; the problem is sentiment — the stock sits at just 18% of its 52-week range despite each quarter improving on the last.
  • The Kraken/SoFiUSD 24/7 settlement deal is a legitimate wedge into crypto rails — if adoption picks up, it justifies revaluing the tech-platform segment (Galileo) at a real multiple, not a bank multiple.

What restarts the move is the Oct 27 Q3 print clearing the $0.17 EPS bar with clean member-growth data, or a fresh S&P inclusion announcement. Another in-line quarter and yet another passover keeps this stalled with a 30% chart discount to fundamentals.

Agrees with X sentimentAgree with the bull frustration — 19 Rule of 40 quarters and CEO Noto's steady $17–18 buying do point to the fundamentals-ahead-of-sentiment case. The HOOD comparison the crowd made is fair but incomplete — HOOD is a pure-crypto beneficiary; SoFi's Payward deal only starts to matter if SoFiUSD actually settles volume.

What to watch: The Oct 27 Q3 print at $0.17 estimated EPS, and any S&P index rebalance announcement. A clean beat plus rising member growth is what re-rates it above the range; another passover or a slowing member add plays the range game one more quarter.

On the calendar: 2026-10-27 — Q3 2026 earnings

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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

AI-driven underwriting and BNPL expansion are reshaping credit pricing; card network volumes are resilient to consumer caution thanks to premium-spend mix. Higher-for-longer rates compress subprime credit quality while sustaining net interest margins at traditional lenders.

What this means for $SOFI

Partial — SoFi Technologies digital bank; bank charter enables deposit funding, student-loan refinancing recovering, AI financial tools incremental.

Industry benchmark

18-name peer basket
-7.6%YTD
-18.7%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
Q2 2026Jul 29, 2026$0.12$0.11+9.1%
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%
Next earningsTue, Oct 27·consensus EPS $0.17

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$4.9B$4.8B – $4.9B$0.59$0.55 – $0.6414
FY27$6.0B$5.8B – $6.3B$0.83$0.79 – $0.9016
FY28$7.6B$6.7B – $8.6B$1.08$0.97 – $1.2110
FY29$9.3B$8.8B – $10.8B$1.58$1.46 – $1.915

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.0.6×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.18%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.+0.7%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.-9.6%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 today2.4% 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.β2.215-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

SellAug 20Kelli KeoughEVP, GBUL, SIPS11.3K sh$203KSellJul 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$188K
1–10 of 13
+ 57 other (26 exempts · 18 inkinds · 12 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
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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...

+ 10 other (3 13Gs · 2 10-Qs · 2 earnings 8-Ks · 2 proxys) in window

Recent news

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

Here's Why SoFi Isn't Reaching All-Time Highs After a Record Quarterfool.com·3d agoSoFi Raised Its Revenue Guidance and the Stock Fell 10%. Here's What the Market Missed.fool.com·5d agoSoFi Technologies, Inc. (SOFI) Declines More Than Market: Some Information for Investorszacks.com·5d agoSoFi Technologies Teams Up With Payward: Will SoFiUSD Gain Traction?zacks.com·5d agoSoFi, Payward Team up to Connect Banking and Crypto Markets — Stock Trendingbenzinga.com·5d ago

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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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