Value
6.2/10data confidence 83%| Component | Sub-score |
|---|---|
| P/E | 3.6 |
| P/S | 6.7 |
| Fwd P/E | 6.3 |
| PEG | 6.7 |
| Analyst target | 7.5 |
- ▸Forward P/E: 20.5x
- ▸PEG: 1.07
SOFI · Why this verdict
Why SoFi Technologies (SOFI) is rated SELL
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictSELL
Overall score6.1/10
ConfidenceMEDIUM
MacroRISK_OFF
Per-dimension breakdown
Quality
5.8/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 2.2 |
| ROA | 0.8 |
| Gross margin | 10.0 |
| Op margin | 7.3 |
| Net margin | 7.4 |
| Current ratio | 4.3 |
| Moat | 7.9 |
| Piotroski F | 6.7 |
- ▸Wide economic moat
Growth
10.0/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 10.0 |
| EPS growth | 10.0 |
- ▸Strong growth: 42% YoY
Momentum
3.9/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 4.5 |
| MACD | 8.7 |
| OBV | 1.0 |
| MA position | 1.0 |
| Volume | 4.4 |
- ▸Volume distribution (falling OBV)
- ▸Below 200-MA, MA slope -3.4%/30d — confirmed downtrend
Sentiment
6.1/10data confidence 100%| Component | Sub-score |
|---|---|
| LLM sentiment | 5.0 |
| Analyst rating | 5.0 |
| Price target | 8.7 |
- ▸Analyst upside: 31%
Insider
5.1/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.2 |
- ▸Insider selling (low materiality) — $1,164,591 (0.006% of mkt cap)
Peer rank
4.1/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 1.3 |
| quality rank | 1.9 |
| growth rank | 8.3 |
- ▸Industry growth leader
Technical
4.7/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 5.7 |
| support resistance | 7.1 |
| 52w position | 0.0 |
| gap | 6.0 |
Risk (lower is worse)
4.5/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 3.2 |
| days to cover | 8.3 |
| volatility | 0.0 |
| put call | 8.9 |
| implied vol | 0.9 |
| max pain risk | 3.0 |
| beta | 2.8 |
| debt equity | 9.3 |
- ▸High IV: 74%
- ▸Above max pain $5
Catalyst
7.6/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 10.0 |
| news activity | 8.0 |
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more. | News modifier -1 (HOLD_IF_HOLDING → SELL_IF_HOLDING).
Engine technical detail
verdict_path:
L4:PATH_F_HOLD|L3:NEWS_MOD=-1Passed (6)
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:49d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (3)
- MOMENTUM:3.9<4.5
- ASYMMETRY:1.4<1.5@spot
- DEATH_CROSS:HARD_BLOCK
Warning (0)
none
Reward-to-Risk
1.45
Upside
+17.9%
Downside
12.4%
Sizing output
AVOID
SetupRECOVERY — Death cross but MACD improving, RSI 53
EdgeNO_EDGE — No clear edge identified
SuitabilityAGGRESSIVE — Beta 2.15>1.3
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: INSIDER:OK. Top dim: Growth at 10.0; weakest: Momentum at 3.9. No conviction either direction.
The strongest dimensions are Growth at 10.0, Catalyst at 7.6, and Value at 6.2; the weakest are Momentum at 3.9, Peer rank at 4.1, and Risk (lower is worse) at 4.5. The V9 engine flagged 3 failed gates, producing an asymmetric reward-to-risk of 1.45 and an engine sizing output of AVOID.