Insider buying last 90 days
No open-market insider purchases were filed for SOFI in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every SOFI insider filing, plotted on the chart in Gekko.Open SOFI in Gekko
NASDAQ: SOFI
SoFi Technologies (SOFI) Stock Analysis & Forecast
Nov 4 close
$17.38+0.61 (+3.6%)
Gekko Brief
AI summaryOct 30 closeSoFi Technologies reported third-quarter results on 27 October, with adjusted EPS of $0.18 against an estimate of $0.16 and revenue described as $1.4 billion, up 44% year over year. Management raised full-year 2026 guidance and introduced a 2027 outlook, citing member growth of 35% and product growth of 44%, along with broad-based momentum across segments despite an unexpected rate hike environment. The report drove an 18.5% reaction, and coverage this week has centered on whether the stock, down sharply over the past year, has re-rated enough to reflect the improved guidance, with at least one firm maintaining a Strong Buy rating and a raised fair value range following the print.
Shares closed at $16.76, down 4.8% on the day, sitting between the 50-day average of $16.58 and the 200-day average of $17.79. The GekkoIndex reads 48.4, placing SOFI in the Neutral zone, down from a higher reading five days prior. Price sits 7.9% below Gekko Fair Value of $18.20.
The next earnings date is 29 January 2027, 90 days out and beyond a typical 20-trading-day hold. Options activity over the past 30 days shows one unusual signal, with put premium of $4,030,077 against call premium of $472,078. Seasonality over five years shows an average 20-day return of 6.3% from this point, with gains in 3 of those years. Analyst coverage spans 18 firms, with 7 at buy, 8 at hold and 3 at sell, and a consensus target of $20.60.
Written by AI from the Oct 30, 2026 close and checked automatically against the figures on this page.
SoFi Technologies price vs fair value
Close $17.38200-day averageGekko Fair Value $18.22
SoFi Technologies quick facts
- Market cap
- $22.54B
- P/E ratio
- 30.7
- Forward P/E
- 20.7
- EPS, TTM
- $0.54
- Revenue, TTM
- $4.69B
- Profit margin
- 15.8%
- Dividend yield
- —
- Beta
- 2.24
- Volume
- 55.11M avg 56.39M
- 1-year return
- −43.3%
- Typical daily move
- ±4.8%
- Typical 20-day move
- ±11.2%
- 50-day average
- $16.47
- 200-day average
- $17.65
- Next earnings
- Jan 29 before open
- Shares outstanding
- 1.30B
SoFi Technologies swing-trade checklist
SoFi Technologies scores 1 supportive, 3 mixed and 2 headwinds across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
1 supportive3 mixed2 headwinds
- Trendmixed
Averages disagree
Close $17.38 sits between the 50-day ($16.47) and 200-day ($17.65) averages, or the averages disagree.
See the chart - GekkoIndexmixed
48.7, Neutral
Reading 48.7 is in the Neutral zone.
See the GekkoIndex - Fair valuemixed
4.6% below
Price is within 5% of Gekko Fair Value (4.6% below).
See fair value - Smart moneyheadwind
Leans bearish
Last 30 days: 2 unusual options signals.
See smart money - Earnings risksupportive
Reports in 85 days
Next report Jan 29, 2027, 85 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalityheadwind
−0.7% on average
From this point in the calendar, the next 20 trading days averaged −0.7% over 5 years, rising in 1 of them.
See seasonality
A description of current data, not a recommendation. How this page works
SoFi Technologies stock chart and price history
SoFi Technologies closed at $17.38 on Nov 4, 2026, −43.3% over the past year, inside a 52-week range of $13.86 to $32.73.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- +10.3%
- 3 months
- −4.0%
- 6 months
- +6.6%
- 1 year
- −43.3%
The full SOFI chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open SOFI in Gekko
Follow SoFi Technologies through every session
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About SoFi Technologies
SoFi Technologies provides a range of digital financial services aimed at everyday money management. Members can use its offerings to borrow, save, spend, invest and protect their assets, all through online tools rather than traditional branch banking. The company is particularly known for its lending products, which include student loans, personal loans for purposes such as debt consolidation or home improvement, and home mortgages.
Operations are organized into three areas: Lending, Technology Platform, and Financial Services. Beyond consumer lending and services like cash management and investing, SoFi runs a technology arm that supports other institutions. This includes Galileo, which serves financial and non-financial clients; Apex, which handles investment custody and clearing brokerage functions; and Technisys, a cloud-based core banking platform built to support multiple product types.
SoFi Technologies was founded in 2011 and is headquartered in San Francisco, California. Its shares are listed on the NASDAQ under the ticker SOFI.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Finance/Rental/Leasing
- Website
- sofi.com
SoFi Technologies GekkoIndex: the smart money zone
SoFi Technologies’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 48.7, in the Neutral zone, down 0.3 points over five sessions.
48.7Neutral
Down 0.3 points over five sessions.
Reading for Nov 4, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 28 | +0.5% | −3.7% | ||
| Accumulation | 249 | +1.5% | +1.0% | ||
| Neutral (current zone) | 360 | +0.2% | +3.1% | ||
| Distribution | 58 | +2.4% | +15.0% | ||
| Selling | 2 | Too few readings yet | |||
Average SOFI share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.0% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. About the five zones →
See every daily GekkoIndex reading plotted over the SOFI price, zone by zone.Track SOFI in Gekko
Is SoFi Technologies stock overvalued? Gekko Fair Value
SoFi Technologies trades 4.6% below Gekko Fair Value of $18.22, so the shares are about fair value on Gekko’s estimate.
Gekko’s own estimate of what SoFi Technologies shares are worth, recalculated every trading day.
$18.22
Gekko Fair Value, Nov 4, 2026
4.6% below fair value · About fair value
At the end of Aug 2026 the price was 7.1% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open SOFI in Gekko
SoFi Technologies insider and Congress trading
No open-market insider purchases were filed for SoFi Technologies, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in SOFI were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for SOFI, plotted on the chart in Gekko.Open SOFI in Gekko
Buybacks
SoFi Technologies has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $113K
- As a share of market cap
- 0.00%
- Trailing four quarters
- $3.47M
From company filings.
Unusual options activity last 30 days
2signals, 28% of the flagged premium in calls.
Latest: Bullish flow on Oct 31, $1.16M in unusual premium.
Hedge funds and billionaires quarter ended Jun 30
0of the funds Gekko tracks hold SOFI.
0added0opened0trimmed1sold out
Every signal with its contract, strike and premium, and which funds are on each side.Unlock in Gekko
SoFi Technologies earnings: next date and track record
SoFi Technologies reports on Jan 29, 2027, before the open (85 days away), and beat the EPS estimate in 8 of its last 8 reports.
Next earnings report
Jan 29, 2027
Expected before the open, 85 days away
- EPS estimate
- $0.20
- Revenue estimate
- $1.38B
8 of 8reports beat the EPS estimate
±8%average move across the report
3 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Oct 27, 2026 AI summary
- What they said
- SoFi reported Q3 2026 revenue of $1.4 billion, up 44% YoY, with adjusted EPS of $0.18. Member growth hit 35% and product growth reached 44%. Despite an unexpected rate hike environment versus originally anticipated cuts, management raised full-year 2026 guidance significantly, citing broad-based momentum and strong execution across all business segments.
- Guidance
- Full-year 2026 adjusted net revenue raised to $5.04 billion (40% YoY growth), adjusted EPS of $0.61, and EBITDA of $1.66 billion. Preliminary 2027 guidance set at $6.4 billion revenue, $2.24 billion EBITDA (35% margin), and EPS of $0.90, funded entirely by organic capital generation.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Oct 27, 2026 | $0.18 est $0.16 | $1.37B est $1.25B | +18.5% |
| Jul 29, 2026 | $0.12 est $0.11 | $1.21B est $1.11B | −1.6% |
| Apr 29, 2026 | $0.12 est $0.12 | $1.09B est $1.05B | −12.3% |
| Jan 30, 2026 | $0.13 est $0.12 | $1.01B est $977.4M | −9.4% |
| Oct 28, 2025 | $0.11 est $0.08 | $961.6M est $888.9M | +3.0% |
| Jul 29, 2025 | $0.08 est $0.06 | $854.9M est $804.2M | +4.0% |
| Apr 29, 2025 | $0.06 est $0.03 | $771.8M est $739.0M | −5.2% |
| Jan 27, 2025 | $0.29 est $0.04 | $739.1M est $674.6M | −9.8% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
SoFi Technologies stock forecast and analyst price targets
Analysts’ average 12-month price target for SoFi Technologies is $20.80, +19.7% from the last close, from 18 firms rating the stock in the last 90 days.
$20.80consensus 12-month target, +19.7% from the last close
Now $17.38Avg $20.80
Low $15High $30
Each firm’s latest rating in the last 90 days: 18 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 29 | UBS | $22 | +26.6% |
| Oct 28 | Monness | $22 | +26.6% |
| Oct 28 | KBW | $16 | −7.9% |
| Oct 28 | Morgan Stanley | $15 | −13.7% |
| Oct 28 | Goldman Sachs | $18 | +3.6% |
+3.1%average 20-day move after past Neutral readings
−0.7%average move over the next 20 trading days in the last 5 years
±4.8%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
SoFi Technologies seasonality: the next 20 trading days
Over the next 20 trading days from Nov 4, SoFi Technologies averaged −0.7% across the last 5 years, rising in 1 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +7.0% | 3 of 5 |
| Next 10 trading days | −1.9% | 1 of 5 |
| Next 15 trading days | −1.6% | 1 of 5 |
| Next 20 trading days | −0.7% | 1 of 5 |
| Next 30 trading days | +1.6% | 2 of 5 |
For scale, SOFI’s typical 20-trading-day move in either direction is about 11.2%.
SoFi Technologies market cap and key statistics
SoFi Technologies’s market cap is $22.54B, with a P/E ratio of 30.7 and revenue of $4.69B over the last twelve months.
Valuation
- Market cap
- $22.54B
- P/E ratio
- 30.7
- Forward P/E
- 20.7
- EPS, TTM
- $0.54
- Gekko Fair Value
- $18.22
Trading
- Volume
- 55.11M
- Avg volume, 20 days
- 56.39M
- 52-week high
- $32.73
- 52-week low
- $13.86
- Shares outstanding
- 1.30B
Financials
- Revenue, TTM
- $4.69B
- Profit margin
- 15.8%
- Return on equity
- 7.4%
- Quarterly earnings growth, YoY
- +64.0%
Risk and income
- Beta
- 2.24
- Typical daily move
- ±4.8%
- Typical 20-day move
- ±11.2%
SoFi Technologies stock news this week
Coverage of SoFi Technologies this week reads positive: 2 positive, 2 neutral and 0 negative headlines.
- Block Surges 16% on Earnings Beat and Raised Outlook; SoFi and PayPal Advance 4%24/7 Wall Street, Nov 4
- SoFi Technologies, Inc. (SOFI) Is a Trending Stock: Facts to Know Before Betting on ItZacks Investment Research, Nov 4
- Form 4 SoFi Technologies, Inc. For: Oct 19 Filed by: Hele John C.R.StreetInsider, Nov 4
- Is SoFi Stock a Buy in November 2026?The Motley Fool, Nov 3
- SoFi Stock Rises as Oil Prices Calm Inflation FearsBenzinga, Nov 2
- SoFi Added a Record 1.2 Million Members Last Quarter. Its Stock Is Still Down More Than 30% in 2026.The Motley Fool, Nov 2
SoFi Technologies peers
SoFi Technologies’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| VVisa | Distribution | 7.2% above |
| MAMastercard | Distribution | 5.8% above |
| AXPAmerican Express | Neutral | 1.1% below |
| COFCapital One Financial | Neutral | 8.2% below |
| URIUnited Rentals | Neutral | 2.1% below |
| RKTRocket Companies | Distribution | 12.7% above |
A peer links to its own page where one exists.
SoFi Technologies stock FAQ
What is SoFi Technologies’s market cap?
SoFi Technologies’s market cap is $22.54B at the Nov 4, 2026 close of $17.38, with 1.30B shares outstanding. The shares trade on a P/E ratio of 30.7.
What is the SoFi Technologies stock forecast?
The consensus analyst 12-month price target for SoFi Technologies is $20.80, +19.7% from the last close. Of the 18 firms that rated the stock in the last 90 days, 7 rate it a buy, 8 a hold and 3 a sell. Gekko doesn’t publish price predictions of its own.
Is SoFi Technologies stock overvalued or undervalued?
On Gekko’s estimate SoFi Technologies is about fair value: the Nov 4, 2026 close of $17.38 is 4.6% below Gekko Fair Value of $18.22. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does SoFi Technologies report earnings next?
SoFi Technologies is expected to report on Jan 29, 2027, before the market opens (85 days away). Analysts expect earnings of $0.20 per share on revenue of $1.38B. SoFi Technologies beat the earnings estimate in 8 of its last 8 reports, moving 8% on average across the report.
What is SoFi Technologies’s 52-week high and low?
SoFi Technologies’s 52-week high is $32.73 and its 52-week low is $13.86; it closed at $17.38 on Nov 4, 2026, −43.3% over the past year.
Is SoFi Technologies stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 1 of the 6 items with data read as supportive (earnings risk), 3 as mixed (trend, gekkoindex and fair value) and 2 as headwinds (smart money and seasonality). The checklist is a description of current data, not a recommendation.
Is there unusual options activity in SoFi Technologies?
Gekko flagged 2 unusual options signals in SoFi Technologies over the last 30 days, with $1.61M of flagged premium in calls and $4.05M in puts. The latest, bullish flow, was on Oct 31, 2026 with $1.16M in unusual premium. The signal-by-signal table is in Gekko.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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