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
$16.96+0.23 (+1.4%)
Close on Sep 18, 2026. Page updated Sep 19, 9:19 pm ET.
Gekko Brief
AI summarySoFi Technologies trades at $16.96, up 1.4% on the day but sitting below both its 50-day average of $17.72 and 200-day average of $19.52, with the 50-day below the 200-day. The stock is down 7.9% over one month and 37.5% over the past year, near its 52-week low of $14.88 versus a high of $32.73. The GekkoIndex reads 63.1, placing SOFI in the Accumulation zone, while price sits 9.6% below Gekko Fair Value of $18.77.
This week's coverage centers on SoFi's growth trajectory following its record quarter, with commentary highlighting cross-buy acceleration to 51% of new products from existing members and member growth alongside raised guidance. Several pieces frame the gap between business performance and the stock's position near 52-week lows, while one report notes a lawsuit from Citizens Bank alleging SoFi poached 30 mortgage staff and misused trade secrets, including confidential pricing information.
Looking ahead, the next earnings report is set for 27 October 2026, before the open, 37 days out and beyond a typical 20-trading-day holding window; the last report saw EPS of $0.12 versus a $0.11 estimate, with a -1.6% reaction. Smart-money activity over the past 30 days shows 3 unusual options signals, with call premium of $3,773,586 against put premium of $1,283,134. Seasonality over 5 years shows a 7.2% average move across the next 20 trading days, though gains occurred in only 2 of those years. Analyst consensus stands at 7 buy, 7 hold, and 3 sell ratings across 17 firms, with a consensus target of $20.34.
Written by AI and checked automatically against the figures on this page. Generated Sep 20, 2026 from the data above.
Price vs fair value
Close $16.96200-day averageGekko Fair Value $18.77
Key stats
- Market cap
- $21.76B
- P/E ratio
- 34.1
- Forward P/E
- 21.1
- EPS, TTM
- $0.49
- Revenue, TTM
- $4.27B
- Profit margin
- 14.9%
- Dividend yield
- —
- Beta
- 2.21
- Volume
- 43.97M avg 39.02M
- 1-year return
- −37.5%
- Typical daily move
- ±3.8%
- Typical 20-day move
- ±11.3%
- 50-day average
- $17.72
- 200-day average
- $19.52
- Next earnings
- Oct 27 before open
- Shares outstanding
- 1.29B
SoFi Technologies swing-trade checklist
SoFi Technologies scores 4 supportive, 1 mixed and 1 headwind across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive1 mixed1 headwind
- Trendheadwind
Below 50 and 200-day
Close $16.96 is below the 50-day ($17.72) and 200-day ($19.52) averages, and the 50-day is below the 200-day.
See the chart - GekkoIndexsupportive
63.1, Accumulation
Reading 63.1 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
9.6% below
Price is 9.6% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneysupportive
Leans bullish
Last 30 days: 3 unusual options signals.
See smart money - Earnings risksupportive
Reports in 37 days
Next report Oct 27, 2026, 37 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalitymixed
+7.2% on average
From this point in the calendar, the next 20 trading days averaged +7.2% over 5 years, rising in 2 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 $16.96 on Sep 18, 2026, −37.5% over the past year, inside a 52-week range of $14.88 to $32.73.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −7.9%
- 3 months
- −5.3%
- 6 months
- −0.7%
- 1 year
- −37.5%
The full SOFI chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open SOFI in Gekko
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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 63.1, in the Accumulation zone, up 3.1 points over five sessions.
63.1Accumulation
Up 3.1 points over five sessions.
Reading for Sep 18, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 26 | +0.3% | −3.7% | ||
| Accumulation (current zone) | 220 | +1.8% | +1.7% | ||
| Neutral | 356 | +0.2% | +3.8% | ||
| 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, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. 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 9.6% below Gekko Fair Value of $18.77, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what SoFi Technologies shares are worth, recalculated every trading day.
$18.77
Gekko Fair Value, Sep 19, 2026
9.6% Undervalued
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
3signals, 75% of the flagged premium in calls.
Latest: Bullish flow on Sep 18, $3.12M 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 Oct 27, 2026, before the open (37 days away), and beat the EPS estimate in 8 of its last 8 reports.
Next earnings report
Oct 27, 2026
Expected before the open, 37 days away
- EPS estimate
- $0.17
- Revenue estimate
- $1.25B
8 of 8reports beat the EPS estimate
±5.7%average move across the report
3 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 29, 2026 AI summary
- What they said
- SoFi reported Q2 2026 revenue growth of 40% YoY with a 30% EBITDA margin, achieving a Rule of 40 score of 70 for the 19th consecutive quarter. Total members reached 15.8 million (up 35% YoY), adding a record 1.1 million new members. Total products grew 42% YoY to 24.4 million, with cross-buy accelerating to 51% of new products from existing members. SoFi Plus exceeded expectations, surpassing 200,000 paid subscribers generating $24M annualized revenue.
- Guidance
- No explicit forward-looking financial targets or guidance were provided in this excerpt. Management expressed continued confidence in growth momentum, citing accelerating products-per-member trends and cross-buy metrics as indicators of sustained competitive advantage.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| 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% |
| Oct 29, 2024 | $0.05 est $0.04 | $693.8M est $631.6M | +0.3% |
“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 $20.34, +19.9% from the last close, from 17 firms rating the stock in the last 90 days.
$20.34consensus 12-month target, +19.9% from the last close
Now $16.96Avg $20.34
Low $15High $30
Each firm’s latest rating in the last 90 days: 17 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 10 | William Blair | — | — |
| Sep 8 | Loop Capital Markets | $22 | +29.7% |
| Sep 3 | KBW | $16 | −5.7% |
| Sep 1 | Scotiabank | $25 | +47.4% |
| Aug 25 | Wells Fargo | $17 | +0.2% |
+1.7%average 20-day move after past Accumulation readings
+7.2%average move over the next 20 trading days in the last 5 years
±3.8%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 Sep 19, SoFi Technologies averaged +7.2% across the last 5 years, rising in 2 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −3.8% | 1 of 5 |
| Next 10 trading days | −7.8% | 1 of 5 |
| Next 15 trading days | −0.1% | 2 of 5 |
| Next 20 trading days | +7.2% | 2 of 5 |
| Next 30 trading days | +14.3% | 3 of 5 |
For scale, SOFI’s typical 20-trading-day move in either direction is about 11.3%.
SoFi Technologies market cap and key statistics
SoFi Technologies’s market cap is $21.76B, with a P/E ratio of 34.1 and revenue of $4.27B over the last twelve months.
Valuation
- Market cap
- $21.76B
- P/E ratio
- 34.1
- Forward P/E
- 21.1
- EPS, TTM
- $0.49
- Gekko Fair Value
- $18.77
Trading
- Volume
- 43.97M
- Avg volume, 20 days
- 39.02M
- 52-week high
- $32.73
- 52-week low
- $14.88
- Shares outstanding
- 1.29B
Financials
- Revenue, TTM
- $4.27B
- Profit margin
- 14.9%
- Return on equity
- 7.1%
- Quarterly earnings growth, YoY
- +40.4%
Risk and income
- Beta
- 2.21
- Typical daily move
- ±3.8%
- Typical 20-day move
- ±11.3%
SoFi Technologies stock news this week
Coverage of SoFi Technologies this week reads positive: 5 positive, 2 neutral and 1 negative headlines.
- Upstart, Affirm, and SoFi All Lend to the Same Borrowers. Only One of Them Funds With Deposits.The Motley Fool, Sep 19
- Is SoFi Technologies Stock a Buy, Sell, or Hold 49% Below Its 52-Week High?The Motley Fool, Sep 19
- Bank of America Corp DE Makes New Investment in SoFi Technologies, Inc. $SOFIDefense World, Sep 18
- SOFI Technologies Cross-Buy Accelerates: Can Engagement Stay Strong?Zacks Investment Research, Sep 17
- SoFi Could Be Building Something Wall Street Hasn't Fully Priced In24/7 Wall Street, Sep 17
- Is Trending Stock SoFi Technologies, Inc. (SOFI) a Buy Now?Yahoo! Finance Canada, Sep 16
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 | Accumulation | 5.1% below |
| MAMastercard | Accumulation | 6.8% below |
| AXPAmerican Express | Buying | 14.4% below |
| COFCapital One Financial | Accumulation | 12.3% below |
| URIUnited Rentals | Accumulation | 3.7% below |
| RKTRocket Companies | Buying | 19.9% below |
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 $21.76B at the Sep 18, 2026 close of $16.96, with 1.29B shares outstanding. The shares trade on a P/E ratio of 34.1.
What is the SoFi Technologies stock forecast?
The consensus analyst 12-month price target for SoFi Technologies is $20.34, +19.9% from the last close. Of the 17 firms that rated the stock in the last 90 days, 7 rate it a buy, 7 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 undervalued: the Sep 18, 2026 close of $16.96 is 9.6% below Gekko Fair Value of $18.77. 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 Oct 27, 2026, before the market opens (37 days away). Analysts expect earnings of $0.17 per share on revenue of $1.25B. SoFi Technologies beat the earnings estimate in 8 of its last 8 reports, moving 5.7% 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 $14.88; it closed at $16.96 on Sep 18, 2026, −37.5% 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, 4 of the 6 items with data read as supportive (gekkoindex, fair value, smart money and earnings risk), 1 as mixed (seasonality) and 1 as a headwind (trend). The checklist is a description of current data, not a recommendation.
Is there unusual options activity in SoFi Technologies?
Gekko flagged 3 unusual options signals in SoFi Technologies over the last 30 days, with $3.77M of flagged premium in calls and $1.28M in puts. The latest, bullish flow, was on Sep 18, 2026 with $3.12M in unusual premium. The signal-by-signal table is in Gekko.
How this page works
Prices and signals update after every 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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