NASDAQ · STOCK
SoFi Technologies
$18.80
52W $14.92 – $32.73
65/100
$22.74B
39.4
2.22
Price History (6M)
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Executive Summary
5 analysts weighed in with 60% agreement on a bullish lean. Portfolio Manager: Portfolio position concentration is currently healthy. Growth Analyst: Growth rate is decelerating quarter over quarter -- the trend line matters more than the level. Overall recommendation: BUY.
Bull & Bear Case
Bull Case
- Positive MACD histogram signals bullish momentum.
- Weekly trend: uptrend.
- Daily downtrend but weekly uptrend — possible early reversal but not yet confirmed on the daily.
- Daily volatility (ATR%) above ~3% is treated as elevated risk.
Bear Case
- Risk/reward is unfavorable: 20.6% downside vs 7.1% upside.
AI Investment Committee
Committee Consensus
As of July 11, 2026
Overall Committee Score
65/100
Agreement
71%
Analysts
7
Conviction
Moderate
Growth Analyst
bearish
35
/ 100 · Low confidence
Growth story is weak, decelerating, or inconsistent
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 23 articles, 14d)
Portfolio Manager
bullish
75
/ 100 · Low confidence
The existing book is healthy enough that position-sizing here is a matter of stock selection, not portfolio constraints
+ Portfolio position concentration is currently healthy
Technical Analysis
RSI (14)
65.2
Neutral
MACD Histogram
0.070
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$14.93
Resistance
$20.13
Bollinger %B
0.92
Inside Bands
Price vs Moving Averages
EMA 9
$18.20
Above
EMA 21
$17.78
Above
EMA 50
$17.49
Above
EMA 200
$19.40
Below
Fundamental Analysis
Valuation
38
Growth
63
Profitability
14
Financial Health
100
Valuation
P/E Ratio
39.4×
P/B Ratio
3.15×
PEG Ratio
—
Dividend Yield
—
52W High
$32.73
52W Low
$14.92
Quality & Growth
ROE
625.0%
ROA
121.0%
Gross Margin
—
Operating Margin
-1992.1%
Revenue Growth YoY
+20552.8%
Debt / Equity
0.17
AI Fundamental Assessment
P/E ratio of 39.4 (rich relative to a 15-40x range); Price-to-book of 3.1x; Revenue growth (YoY) of 205.5%; EPS growth (YoY) of 5.9%; Return on equity of 6.2%; Return on assets of 1.2%; Net margin of -19.8%; Debt-to-equity of 0.17; Most recent quarter missed estimates by 1.2%; EPS growth decelerating (+18.2% -> -7.7% QoQ); Analyst estimates rising over recent quarters
Key Risks
- Risk/reward is unfavorable: 20.6% downside vs 7.1% upside.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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