SOFI — SoFi Technologies Inc.

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

About SoFi Technologies Inc.

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$15.61
Market Cap$19.81B
Float1.26B
Shares Outstanding1.28B
P/E (Forward)26.25
P/E (TTM)34.31
Price/Sales (TTM)5.07
vs. Analyst Target+35.2% to analyst PT
Profit Margin14.76%
Operating Margin (TTM)18.28%
Revenue (TTM)$3.91B
Earnings Growth (YoY)101.20%
Dividend RateNone
Analyst Target Price$21.10 (19 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $751M -$224M $566M -$259M
2021 $1.09B -$484M $977M -$380M
2022 $1.76B -$320M $1.52B -$167M
2023 $2.05B -$301M $2.05B -$300M
2024 $2.61B $499M $2.61B $437M
2025 $4.77B $481M $3.58B $760M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $1.13B $97.3M
Sep 2025 $1.27B $139M
Dec 2025 $1.34B $174M
Mar 2026 $1.41B $167M

Ownership & Float

Insider Ownership1.5%
Institutional Ownership54.9%
Short Float12.7%
% of All Funds Holding10.68%
Number of Funds Holding878

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$16.76Near-term / short-term trend
Weekly40-Week SMA$23.36Medium-term trend
Weekly80-Week SMA$19.28Cyclical trend (business cycle)
Weekly200-Week SMA$11.97Secular trend (multi-year)
Monthly10-Month SMA$22.57Near-term monthly trend
Monthly20-Month SMA$18.86Medium-term monthly trend
Monthly40-Month SMA$13.30Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$13.30 support 1.32x 10 months ago
$11.30 support 1.11x 17 months ago
$7.90 support 1.34x 18 months ago

Historical Earnings Reactions (22 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 4.81% 4.03% 68.18% 18.75% -12.08%
1 Day 2.83% 2.31% 63.64% 28.39% -14.15%
1 Week 1.37% -1.76% 40.91% 37.71% -19.59%
2 Weeks 0.88% 3.17% 57.14% 33.52% -23.48%
1 Month 0.05% 0.23% 52.38% 46.65% -29.09%

Next earnings: May 4, 2026

Seasonality & Day-of-Week Patterns

Monthly Seasonality

Insufficient historical data for monthly seasonality analysis (requires 7+ years of data).

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.59% 53.0% 249
Tuesday -0.15% 43.5% 278
Wednesday 0.41% 51.1% 276
Thursday -0.15% 48.0% 269
Friday -0.06% 48.0% 271

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 54.9%

Insider Transactions — Smart Summary

Total insider ownership: 1.5%

12-Month Insider Activity Summary

Total Filings25
Net Value-$12.3M
Net Shares Change-270,875
% of Float-0.0%
C-Suite Filings23
Clusters Detected3

Key Insiders

NameTitleNet ValueFilingsActivity
Rishel Jeremy Chief Technology Officer -$6.9M 2 N/A
YESIL MAGDALENA -$2.5M 1 1 sell
Noto Anthony Chief Executive Officer +$2.0M 4 4 buy
Lavet Robert S General Counsel +$105,220 1 1 buy
Schuppenhauer Eric EVP GBUL Borrow +$99,650 1 1 buy
Freiberg Steven J -$81,209.75 1 1 sell

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2025-06-12 – 2025-06-24 3 3 -$3.7M 2 C-suite
2026-02-06 – 2026-02-20 3 3 -$160,107.571 2 C-suite
2026-03-17 – 2026-03-20 3 3 -$4.1M 3 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-05-11 Noto Anthony Chief Executive Officer +$248,780.626 Transaction at $16.00, now -2.5%
2026-05-08 Noto Anthony Chief Executive Officer +$249,768.879 Transaction at $15.73, now -0.8%
2026-03-02 Noto Anthony Chief Executive Officer +$1.0M Transaction at $17.88, now -12.7%
2026-03-17 Noto Anthony Chief Executive Officer +$500,516.21 Transaction at $17.32, now -9.9%
2026-02-06 Lavet Robert S General Counsel +$105,220 Transaction at $21.04, now -25.8%
2026-02-05 Schuppenhauer Eric EVP GBUL Borrow +$99,650 Transaction at $19.93, now -21.7%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for SoFi Technologies Inc. (SOFI) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for SOFI on Trend Edge →