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SoFi Technologies Inc. (SOFI) Stock

SoFi Technologies Inc. Stock Details, Movements and Public Alerts

Stock Details

SoFi Technologies Inc. (SOFI), a prominent company in the financial services sector within the credit services industry, is based in USA and primarily trades on the NASDAQ.Currently, the stock is trading at $27.40. Over the past 52 weeks, it has ranged between $8.60 and $32.73. This places the current price at 83.7% of its 52-week high and 218.6% above its 52-week low. Recent trading volume was recorded at 55,003,073. The 14-day Relative Strength Index (RSI) stands at 46.50, suggesting neutral conditions. The stock is currently trading below its 50-day moving average of $28.24 by 2.97%. Similarly, it is above its 200-day moving average of $20.38 by 34.45%. The MACD histogram is -0.14, indicating bearish momentum (MACD Line: -0.25, Signal Line: -0.11). There are currently 5 active alerts set for SOFI by users.

52-Week Range

$32.73 - $8.60

-16.28% from high · +218.60% from low

Avg Daily Volume

66,328,280

20-day average

100-day avg: 72,774,156

Fundamentals

Valuation Metrics

P/E Ratio (TTM)

48.71

Above market average

Forward P/E

45.45

Earnings expected to grow

PEG Ratio

2.07

Potentially overvalued

Price to Book

3.89

EPS (TTM)

$0.56

Price to Sales

10.45

Beta

1.94

More volatile than market

How is SOFI valued relative to its earnings and growth?
SoFi Technologies Inc. trades at a P/E ratio of 48.71, which is above the market average of approximately 20. This premium valuation suggests investors expect above-average growth or the company has competitive advantages justifying the higher multiple. Looking ahead, the forward P/E of 45.45 is lower than the current P/E, indicating analysts expect earnings to grow over the next year. The PEG ratio of 2.07 indicates a premium valuation even accounting for growth.
What is SOFI's risk profile compared to the market?
With a beta of 1.94, SoFi Technologies Inc. is significantly more volatile than the market. For every 10% market move, this stock tends to move 19% in the same direction. Higher beta stocks offer greater potential returns but with increased risk. The price-to-book ratio of 3.89 shows investors value the company above its book value, which often reflects intangible assets or growth prospects.

Performance & Growth

Profit Margin

19.50%

Operating Margin

15.60%

Return on Equity

8.59%

Return on Assets

1.61%

Revenue Growth (YoY)

37.80%

Earnings Growth (YoY)

105.90%

How profitable and efficient is SOFI's business model?
SoFi Technologies Inc. achieves a profit margin of 19.50%, meaning it retains $19.50 from every $100 in revenue after all expenses. This is an impressive margin, indicating strong pricing power and efficient cost management that allows the company to generate substantial profits. The operating margin of 15.60% reveals how efficiently the company runs its core business operations before interest and taxes. With ROE at 8.59% and ROA at 1.61%, the company achieves moderate returns on invested capital.
What are SOFI's recent growth trends?
SoFi Technologies Inc.'s revenue grew by 37.80% year-over-year, representing robust expansion that significantly outpaces typical market growth rates. This strong top-line performance suggests the company is successfully capturing market share or benefiting from favorable industry trends. Earnings increased by 105.90% year-over-year, outpacing revenue growth through improved margins. These growth metrics should be evaluated against CREDIT SERVICES industry averages for proper context.

Company Size & Market

Market Cap

$34.4B

Revenue (TTM)

$3.29B

Revenue/Share (TTM)

$2.95

Shares Outstanding

1.26B

Book Value/Share

$7.29

Asset Type

Common Stock

What is SOFI's market capitalization and position?
SoFi Technologies Inc. has a market capitalization of $34.4B, classifying it as a large-cap stock ($10B-$200B). Large-caps are typically industry leaders with established business models, offering a balance of stability and growth potential. They often provide dividend income and are core holdings in institutional portfolios. With 1.26B shares outstanding, the company's ownership is widely distributed. As a participant in the CREDIT SERVICES industry, it competes with other firms in this sector.
How does SOFI's price compare to its book value?
SoFi Technologies Inc.'s book value per share is $7.29, while the current stock price is $27.40, resulting in a price-to-book (P/B) ratio of 3.76. This high P/B ratio indicates significant intangible assets, strong brand value, or high growth expectations. Technology and consumer brand companies often trade at elevated P/B ratios due to intellectual property and competitive advantages not reflected on the balance sheet. As a common stock, this represents equity ownership with voting rights.

Analyst Ratings

Analyst Target Price

$26.97

1.57% downside potential

Analyst Recommendations

Strong Buy

1

Buy

5

Hold

11

Sell

2

Strong Sell

3

How reliable are analyst predictions for SOFI?
22 analysts cover SOFI with 27% recommending buy/strong buy ratings. Analyst predictions have mixed reliability - studies show consensus rarely beats market returns consistently. The bearish sentiment could create opportunity if analysts are wrong. The consensus target of $26.97 implies -1.6% downside, but targets are often adjusted to follow price moves rather than predict them.
What is the Wall Street consensus on SOFI?
Current analyst recommendations:1 Strong Buy, 5 Buy, 11 Hold, 2 Sell, 3 Strong Sell. The neutral stance suggests uncertainty or fair valuation at current levels.Remember that analyst opinions often lag price movements and can be influenced by investment banking relationships.

Fundamentals last updated: Dec 14, 2025, 02:06 AM

Technical Indicators

RSI (14-day)

46.50

Neutral

50-Day Moving Average

$28.24

-2.97% below MA-50

200-Day Moving Average

$20.38

34.45% above MA-200

MACD Line

-0.25

MACD Signal

-0.11

MACD Histogram

-0.14

Bearish

What does SOFI's RSI value tell investors?
The RSI (Relative Strength Index) for SOFI is currently 46.50, indicating the stock is in neutral territory (40-60 range). Neither buyers nor sellers have clear control, suggesting consolidation or balanced market forces. Combined with the price being below the 50-day moving average, this confirms bearish conditions.
How should traders interpret SOFI's MACD and moving average crossovers?
MACD analysis shows the MACD line at -0.25 below the signal line at -0.11, with histogram at -0.14. This bearish crossover indicates downward pressure. The 50-day MA ($28.24) is above the 200-day MA ($20.38), forming a golden cross pattern that typically signals a long-term uptrend. Price is currently between the MAs, suggesting transition.

Indicators last updated: Dec 15, 2025, 12:43 AM

Active Alerts

Alert Condition
Price falls below
Threshold
$24.50
Created
Dec 10, 2025, 04:47 PM
Alert Condition
RSI Threshold Cross
Threshold
30
Created
Dec 9, 2025, 04:50 PM
Alert Condition
P/E Ratio falls below
Threshold
45 x
Created
Nov 30, 2025, 03:18 PM
Alert Condition
Price rises above
Threshold
$32.73
Created
Nov 30, 2025, 03:18 PM
Alert Condition
Earnings Announcement
Threshold
1 days
Created
Oct 28, 2025, 07:02 PM

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