Should you buy SoFi Technologies stock now?
No, the technical signal for SoFi Technologies is currently Strong Sell. SoFi Technologies trades at $14.55 as of Oct 17, 2026. The technical analysis shows the following: MACD is negative (bearish trend) at -0.646 with falling momentum (signal: -0.567); RSI is at 34.7 (neutral zone); the stock is in a short-term downtrend (price below the 20-day average); the analyst price target of $20.29 points to 39.5% upside. The stock is in a broader downtrend (below SMA50/SMA200). Buying in a downtrend is generally not recommended. This is a technical observation based on current data, not investment advice.
What is the price target for SoFi Technologies stock?
The average analyst price target for SoFi Technologies is $20.29. The current price is $14.55, which gives an upside of 39.5%. Based on this, the stock is considered undervalued. The fair value range (±10% of the price target) is between $18.26 and $22.32.
Is SoFi Technologies a dividend stock?
No, SoFi Technologies does not currently pay a dividend to shareholders. The company reinvests its profits in growth instead of paying dividends.
What is the risk of SoFi Technologies stock?
SoFi Technologies is rated as a stock in the risk category Speculative. the annual standard deviation is 55.6%, which classifies the stock as Speculative.
Is SoFi Technologies overvalued?
No, SoFi Technologies is considered undervalued based on the analyst price target (39.5% upside). SoFi Technologies has the following valuation ratios: a P/E ratio of 29.9 (moderately to highly valued), a P/S ratio of 4.6, a P/B ratio of 1.9. The analyst price target suggests that the stock is undervalued by 39.5%.
Is SoFi Technologies overbought?
No, SoFi Technologies is not overbought. RSI is at 34.7 (neutral zone). The technical indicators show: RSI is at 34.7 (neutral zone between 30-70), which signals neither overbought nor oversold. In addition, the price is 8.0% below the 20-day average (short-term downtrend). In addition, MACD is negative with falling momentum (bearish).
When is the next SoFi Technologies earnings report?
SoFi Technologies reports its next earnings on October 27, 2026. The stock currently trades at $14.55. With a P/E ratio of 29.9, the market will be watching closely whether earnings meet expectations. The RSI is at 34.7, so the report can reinforce the current technical trend.
Is SoFi Technologies shorted?
Yes, SoFi Technologies is shorted with 16.9% of the free float sold short. This is a very high level of short selling, which points to considerable bearish sentiment. A positive earnings report or unexpectedly good news can trigger a short squeeze with sharp price gains. The figure comes from our data provider EODHD, is reported about twice a month, and we check it every trading day.
Are insiders buying SoFi Technologies stock?
No, insiders are not buying SoFi Technologies shares – they are net sellers. Over the last 3 months, insiders have made 0 purchases and 4 sales. On a net basis, 890,716 $ worth of shares were sold. Across the last 20 reported transactions, the split is 6 purchases and 14 sales, with a net 4,336,927 $ sold. Active sellers include Rishel Jeremy, Keough Kelli, Lavet Robert S and others. Insider selling can have several explanations (e.g. planned 10b5-1 sales, portfolio diversification or taxes), but sustained selling by several insiders is worth watching closely.
Is SoFi Technologies a good stock?
Based on our total score, SoFi Technologies is rated as a mediocre stock with a total score of 42 out of 100. The stock scores around average on value, quality and momentum – it sits near the median in our database. The score is made up of Value: 57/100, Quality: 55/100, Momentum: 16/100. In addition: analysts see 39.5% upside to the price target. Whether now is the time to buy is a separate question: the technical signal is Strong Sell. Whether SoFi Technologies is a good investment depends on your time horizon, risk profile and portfolio. This is a data-driven observation, not investment advice.
What is the outlook for SoFi Technologies stock?
The outlook for SoFi Technologies based on current data: the average analyst price target is $20.29 (+39.5%); the stock is in a downtrend (below SMA50 and SMA200); the next earnings report is due on Oct 27, 2026, which can move the price; the P/E ratio is 29.9 (moderate). Keep in mind that stock prices are affected by many factors, including earnings reports, the economy and market sentiment. Past returns are no guarantee of future returns.
Why is SoFi Technologies stock falling?
SoFi Technologies is falling right now. The technical indicators show: the price is 8.0% below the 20-day average; MACD is negative with falling momentum (bearish signal); short interest is 16.9% (high – many are betting on a decline); insiders have mostly been selling the stock recently. For the latest context, see our technical analysis and insider section above.
How high can SoFi Technologies go?
The average analyst price target for SoFi Technologies is $20.29, which corresponds to a potential gain of 39.5% from the current price of $14.55. The stock has traded between $14.88 and $32.73 over the last 52 weeks. The price is 55.5% below the 52-week high, which can indicate potential if the underlying fundamentals are intact. Keep in mind that price targets are estimates, not guarantees. Actual price moves depend on earnings, market conditions and unexpected events.
How low can SoFi Technologies fall?
The stock has traded as low as $14.88 over the last 52 weeks — that is 2.3% below the current price of $14.55. The biggest decline (drawdown) in the same period was 54.5% from high to low. Within a year, the price typically swings about ±55.6% (standard deviation — a measure of price swings). A difficult year could therefore mean a further decline of that size. Remember: past price swings are no guarantee for the future — a stock can fall further than the last 52 weeks suggest, especially on profit warnings, sector crises or a market crash. Use stop-loss orders and spread your portfolio to limit losses in single stocks.
What does SoFi Technologies do?
SoFi Technologies, Inc. runs an online financial platform. It makes money by offering loans, savings accounts and investment services to everyday customers.
The company operates mainly in the United States, and also has activities in Latin America and Canada. Its customers ar... The company belongs to the Financial Services sector, more specifically the Credit Services industry, is headquartered in United States, and is traded on the USA Stocks. See the key figures, earnings history and price development above to evaluate SoFi Technologies as an investment.
Did SoFi Technologies raise or lower its guidance?
Over the last 60 days we have not registered a guidance raise or cut from SoFi Technologies. The company can still adjust its guidance at quarterly reports or between reports — see the earnings history above.
Is SoFi Technologies making money or losing money?
Yes, SoFi Technologies is making money, not losing it. The company has a profit margin (the share of revenue left over as profit) of 14.9% — which is solid. The operating margin (profit before interest and taxes) is 17.0%. At a P/E ratio of 29.9, you currently pay 29.9 dollars for every dollar of the company's annual earnings. A consistently profitable company is usually more resilient than growth stocks that are not yet making money.
Can SoFi Technologies go bankrupt?
Altman Z2 is not used for banks and financial companies — their balance sheet is built on debt (that is the business model), so the model would wrongly classify a healthy bank as distressed. For SoFi Technologies, look instead at the capital base (e.g. the core capital ratio), loan losses and earnings power.
Does SoFi Technologies have a lot of debt?
Yes, SoFi Technologies has elevated debt relative to equity. The debt-to-equity ratio (D/E — interest-bearing debt to equity) is 456%. For the financial services sector, anything above 400% counts as elevated — that raises the financial risk, especially if interest rates rise or earnings fall. Banks take in deposits (debt) as their raw material and lend it out — which naturally gives a high D/E. 200-400% is typical; only above 400% counts as elevated. Note: D/E levels are highly sector-specific — a bank at 300% debt is normal, a tech stock at 300% is extremely leveraged. Always compare with similar companies in the same sector.
