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SoFi Technologies, Inc. (SOFI) Stock Analysis

Range Bound setup

HoldModerate Confidence

Financial Services · Credit Services

Hold if already holding. Not a fresh buy at $16.68, but acceptable to hold if already in. Reason: Negative momentum.

SoFi Technologies is a digital financial services platform and bank holding company offering personal loans, student loans, home loans, credit cards, investing, and banking to members. The company also provides technology platform services (Galileo, Technisys) to enterprise... Read more

$16.68+26.5% A.UpsideScore 5.9/10#12 of 28 Credit Services
Stop $15.49Target $21.08(analyst − 10%)A.R:R 2.3:1
Analyst target$23.43+40.4%20 analysts
$21.08our TP
$16.68price
$23.43mean
$12
$38

Hold if already holding. Not a fresh buy at $16.68, but acceptable to hold if already in. Reason: Negative momentum. Chart setup: RSI 48 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 5.9/10, moderate confidence.

Passes 6/7 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news boost earnings 0.60, earnings proximity 87d clear, semi cycle peak clear). Fails on weak momentum. Suitability: aggressive.

Val6.5Qual5.8Grw10.0Mom1.9Sent6.2Ins5.0Peer4.3Tech4.9Risk4.75.9OVERALL

Thesis

Rewards
Strong growth profile
Analyst upside: 27%
Recent Earnings detected in news
Risks
Negative momentum

Key Metrics

P/E (TTM)35.8
P/E (Fwd)20.5
Mkt Cap$20.6B
EV/EBITDA—
Profit Mgn14.8%
ROE6.6%
Rev Growth42.5%
Beta2.25
DividendNone
Rating analysts30

Quality Signals

Piotroski F8/9

Options Flow

P/C0.88neutral
IV62%elevated
Max Pain$1-94.0% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static

Macd
0.0
Obv
1.0
Volume
1.9
Ma Position
2.2
Rsi
4.5
Volume distribution (falling OBV)Below 200-MA but MA still rising (+0.2%/30d) — pullback in uptrend, not confirmed weakness
GatesMomentum 1.9<4.5A.R:R 2.3 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS BOOST EARNINGS 0.60EARNINGS PROXIMITY 87d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
48 · Neutral
↓ 20D MA↓ 50D MA↓ 200D MADEATH CROSSSupport $15.50Resistance $20.13

Price Targets

$15
$21
A.Upside+26.4%
A.R:R2.3:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Momentum score 1.9/10 — below 4.5 minimum

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-28 (87d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is SOFI stock a buy right now?

Hold if already holding. Not a fresh buy at $16.68, but acceptable to hold if already in. Reason: Negative momentum. Chart setup: RSI 48 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $21.08 (+26.4%), stop $15.49 (−7.7%), A.R:R 2.3:1. Score 5.9/10, moderate confidence.

What is the SOFI stock price target?

Take-profit target: $21.08 (+26.5% upside). Target $21.08 (+26.4%), stop $15.49 (−7.7%), A.R:R 2.3:1. Stop-loss: $15.49.

What are the risks of investing in SOFI?

Negative momentum.

Is SOFI overvalued or undervalued?

SoFi Technologies, Inc. trades at a P/E of 35.8 (forward 20.5). TrendMatrix value score: 6.5/10. Verdict: Hold.

What do analysts say about SOFI?

30 analysts cover SOFI with a consensus score of 3.5/5. Average price target: $23.

What does SoFi Technologies, Inc. do?SoFi Technologies is a digital financial services platform and bank holding company offering personal loans, student...

SoFi Technologies is a digital financial services platform and bank holding company offering personal loans, student loans, home loans, credit cards, investing, and banking to members. The company also provides technology platform services (Galileo, Technisys) to enterprise clients across three segments: Lending, Financial Services, and Technology Platform.

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