SOFI SoFi Technologies, Inc.
SoFi Technologies, Inc. (SOFI) trend channel, buy level and 3-month target on Trade The Path. Sector: Financial Services. Listed on NASDAQ. Levels below are fitted to this ticker's own swing highs and lows (Theil–Sen, log-price), then projected 3 months. On this symbol, 5 comparable calls have settled; 100% reached the published sell target. Information only, not financial advice.
Mid-channel, falling on both timeframes
Price is between the two trend lines. Nothing to act on yet.
The next few months are read from the last 12 months, not the last 10 months: that channel fits this stock's recent turns at least as well (62% against 64%) and it is the one price is respecting now. The last 10 months stay as context: falling, −43% a year. The nearest ceiling overhead is US$18.74, from the last 10 months. What would overturn this: a close below US$14.84 — the floor of the channel being read — after which the trend, not the entry, is what was wrong.
- 10 months read from
- US$14.84 – US$18.74 Falling channel, −43% a year
- Position in that channel
- 54% 0% at the floor, 100% at the ceiling
What broke this trend
- The fall
- -53% from US$32.2212 Nov 2025 → 30 Mar 2026
- Whose problem it was
- This company1 of 6 Financial - Credit Services peers fell with it
- Does it resolve?
- Temporary falls like it have resolved on the record
- Regained so far
- 9%of what it lost
- What the record says
- 61% of 611 comparable falls came back, typically in 123 days measured across every stock we hold history for, its peer group being too small
The trend broke in November 2025: price fell 53% from 32.22 to 15.13 by March 2026, and has regained 9% of that fall since. Its peers did not fall with it, so this was about the company rather than its sector. The wire that week: “SoFi Announces Launch Of SoFi Crypto, Members Will Be Able to Buy, Sell And Hold Multiple Cryptocurrencies”. Falls like it have resolved: falls of about 53% here have come back to the old high 61% of the time (611 comparable falls), typically in 123 days. On that record the fall is treated as temporary, and the trend lines are fitted to the regime it created rather than through it. Priced from that: 32.64 within 1713 days, reached 61% of the time in 611 comparable falls — about 0.06% a day held.
Reported at the time: SoFi Announces Launch Of SoFi Crypto, Members Will Be Able to Buy, Sell And Hold Multiple Cryptocurrencies — 11 Nov 2025
Price history, with the path projected 3 months forward
- Daily close
- Upper trend line (10 months)
- Lower trend line (10 months)
- The same lines over the last 12 months
- Dashed after today: projected 3 months
- Our buy
- Our target
Our target
No published call today because its projected path only reaches 1.8% above the entry within 90 days, under the 6.0% floor a call has to clear to be worth making. No alerts are sent. The buy and target below are still this site's read of the fitted channel.
Buy at or below
US$14.84
level as at 19 Sept 2026
Our target
US$15.90
by 18 Dec 2026
Projected move
7.1%
gross, before costs
Price is at or through our target.
On this stock's own history these rules produced 5 settled calls, of which 5 reached target (100%), with an average best move of 17.2%. See the full record.
- Upper line touches
- 2
- Lower line touches
- 3
- Fit confidence
- 64%
- Fitted
- 18 Sept 2026
About SoFi Technologies, Inc.
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- CEO
- Anthony J. Noto
- Employees
- 6,100
- Country
- US
Scorecard
Our own pillar scores, computed from the fundamentals below. They are not Morningstar ratings — that data is licensed and we do not redistribute it.
- Valuation
- 46/100
- Profitability
- 34/100
- Financial health
- 29/100
- Cash generation
- 0/100
Key statistics
- Market cap
- US$22.64B
- Enterprise value
- US$22.92B
- Beta
- 2.21
- Avg volume
- 68.01M
- Revenue per share
- 4.35
- Dividend yield
- 0.00%
- 52-week range
- 14.88-32.73
- Exchange
- NASDAQ
Key ratios
- P/E (TTM)
- 34.61
- PEG
- -9.17
- Price / sales
- 4.06
- Price / book
- 2.05
- EV / EBITDA
- 24.71
- Gross margin
- 76.46%
- Operating margin
- 13.22%
- Net margin
- 11.40%
- Current ratio
- 0.16
- Quick ratio
- 0.16
- Debt / equity
- 0.31
- Interest cover
- 0.58
Income statement
| Year | Revenue | Gross profit | Operating income | Net income | EPS |
|---|---|---|---|---|---|
| 2025 | US$4.77B | US$3.58B | US$525.86M | US$481.32M | US$0.39 |
| 2024 | US$3.70B | US$2.58B | US$233.34M | US$498.67M | US$0.39 |
| 2023 | US$2.90B | US$2.05B | -US$301.16M | -US$300.74M | -US$0.36 |
| 2022 | US$1.76B | US$1.52B | -US$318.72M | -US$320.41M | -US$0.40 |
| 2021 | US$1.09B | US$977.30M | -US$481.18M | -US$483.94M | -US$1.00 |
Balance sheet
| Year | Total assets | Total liabilities | Total equity |
|---|---|---|---|
| 2025 | US$50.66B | US$40.17B | US$10.49B |
| 2024 | US$36.25B | US$29.73B | US$6.53B |
| 2023 | US$30.07B | US$24.52B | US$5.55B |
| 2022 | US$19.01B | US$13.48B | US$5.53B |
| 2021 | US$9.18B | US$4.48B | US$4.70B |
Cash flow
| Year | Operating cash flow | Free cash flow | Net income |
|---|---|---|---|
| 2025 | -US$3.74B | -US$3.98B | US$481.32M |
| 2024 | -US$1.12B | -US$1.28B | US$498.67M |
| 2023 | -US$7.23B | -US$7.35B | -US$300.74M |
| 2022 | -US$7.26B | -US$7.36B | -US$320.41M |
| 2021 | -US$1.35B | -US$1.40B | -US$483.94M |
EPS forecasts
| Period | Est. EPS | Est. revenue | Analysts |
|---|---|---|---|
| 2024 | US$0.1205 | US$2.54B | 5 |
| 2025 | US$0.3657 | US$3.56B | 7 |
| 2026 | US$0.5903 | US$4.88B | 14 |
| 2027 | US$0.8238 | US$6.04B | 15 |
| 2028 | US$1.06 | US$7.50B | 12 |
| 2029 | US$1.58 | US$9.31B | 9 |
Analyst view
- Target (mean)
- US$21.58
- Target (high)
- US$29.00
- Target (low)
- US$16.00
- Strong buy
- 0
- Buy
- 10
- Hold
- 13
- Sell
- 4
Trend lines are fitted statistically to past swing highs and lows and projected forward on the assumption the same rhythm continues. It often does not. This is information, not advice.