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TickerTalks›$SOFI
SOSOFI

SoFi Technologies, Inc.

Rising onWhy it's trendingX chatter picking upBacked by solid revenue growthPrice and volume picking up
$SOFI·$19B·Financial - Credit Services·Financial Services
$14.55-3.6%YTD-40.3%1Y-45.3%
Price updated 13h ago·X counts updated 5d ago
SOSOFI
$SOFISoFi Technologies, Inc.
$14.55-3.58%6.8k posts1.4×
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.

6,789X posts · last 7 days
Sep 29Oct 11
Chatter Meter
1.4×
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 94% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data20 posts analyzed · as of 2026-10-02

X is bullish on a growth-at-a-discount story — SoFi Bank just became a top-50 US bank by deposits at $46.8B (vs $22.9B two years ago), Q2 personal loans hit a record $10.7B at a 12.9% weighted coupon, and revenue is up 41% while the stock sits 50% off highs around $16. Shorts near 200M shares are the setup fuel. The restraint is a technician flagging the weekly chart as still ranging after the dual-volatility-hole top.

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 numbersSelling offAI verdict · as of 2026-10-03

Falling on heavy selling — points lower unless it turns around.

The bank is doing what the thesis asked for and the stock is still de-rating — growth at a discount with a heavy short backdrop.

SoFi is the digital-first bank for millennials — student loans, personal loans, deposits, and the Galileo tech-platform rails behind other fintechs. The business is still growing fast; the stock is in a classic growth-stock de-rating despite that.

  • The bank is executing: Q1 revenue +36% YoY and a $46.8B deposit base now puts it in the US top 50 — the deposits fund the loan book cheaply, exactly how the model is supposed to work.
  • The P&L is still thin for the multiple: 14% operating margins and $0.13 EPS at 35x trailing is profitable but priced for growth to keep compounding.
  • The setup is loaded: ~200M shares short at 5% of the 52-week range means the first clean beat can squeeze; another in-line quarter extends the de-rating.

Oct 27 is the whole trade — a strong deposit and personal-loan print restarts the thesis; another drift-rate quarter cements the de-rating.

Agrees with X sentimentX is bullish on growth-at-a-discount — top-50 deposits, record personal loans, 41% revenue growth, 50% off highs — and the mechanics back it. The tension the crowd isn't centering: growth is only showing up as 14% op margins, so this needs an operating-leverage quarter, not just a beat.

What to watch: Oct 27 Q3 earnings — personal-loan originations above the record $10.7B, deposit growth continuing, and operating leverage finally showing up at the margin line. A guide cut or margin backslide confirms the breakdown.

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

float missingbeta missing

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

No material change from last week — AI-driven underwriting (Upstart, SoFi) and BNPL (Affirm, Klarna) continue reshaping consumer credit while Visa and Mastercard card networks hold on premium-spend mix.

What this means for $SOFI

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

Industry benchmark

19-name peer basket
-13.4%YTD
-16.8%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+11.4%
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$5.7B – $6.3B$0.82$0.78 – $0.8916
FY28$7.4B$6.7B – $8.0B$1.05$0.83 – $1.2110
FY29$9.3B$8.8B – $10.7B$1.58$1.47 – $1.885

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.1.3×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.4%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.-14.9%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 today4.6% 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.β2.335-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

SellSep 21Kelli KeoughEVP, GBUL, SIPS10.2K sh$173KSellSep 21Jeremy RishelCTO18.6K sh$326KSellAug 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$249K
1–10 of 12
+ 58 other (27 exempts · 19 inkinds · 11 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...

+ 9 other (2 10-Qs · 2 earnings 8-Ks · 2 proxys · 2 13Gs) in window

Recent news

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

SoFi: The Market Will Wake Up From Its Hangover Eventuallyseekingalpha.com·1d agoSoFi Technologies (NASDAQ:SOFI) Stock Sees Heavy Call Option Buyingdefenseworld.net·1d agoWhy Is SoFi Stock Crashing, and is it a Generational Buying Opportunity?fool.com·1d agoSOFI Rally Could Be a Dead Cat Bounce, Per Signalschaeffersresearch.com·2d agoSoFi Stock—Is The Steep Sell-Off Overdone?benzinga.com·2d 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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