SOFI SoFi Technologies, Inc.
Trend channel, buy level and 3-month target. Information only, not financial advice.
Inside the channel · 9-month channel falling
Price is between the lines.
- 9-month channel read from
- US$13.78 – US$19.17 · falling, −17% a year
- 12-month channel
- US$13.78 – US$17.27 · falling, −46% a year
- Price in channel
- 52% (0% = floor, 100% = ceiling)
- Ceiling overhead
- US$17.27
- Turns bearish below
- US$13.78
What broke this trend
- The fall
- -56% from US$32.2212 Nov 2025 → 14 Oct 2026
- Whose problem it was
- This company0 of 6 Financial - Credit Services peers fell with it
- Does it resolve?
- Unsettled too close to a coin toss on the record to call
- Regained so far
- 13%of what it lost
- What the record says
- 59% of 615 comparable falls came back, typically in 125 days measured across every stock we hold history for, its peer group being too small
Fell -56% (12 Nov 2025 → 14 Oct 2026); regained 13% so far; company-specific.
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
Updated 3:25 AM ET (4 h ago)
- Daily close
- Upper trend line (9 months)
- Lower trend line (9 months)
- The same lines over the last 12 months
- Dashed after today: projected 3 months
- Our buy
- Our target
Our target
Hit rate too low on this symbol (1/5) — no published call or alerts; levels below are for reference.
Buy at or below
US$15.62
level as at 13 Dec 2026
Our target
US$17.21
by 6 Nov 2026
Projected move
10.2%
gross, before costs
Price is between our buy and target.
Target: SOFI's usual move size (10.2%), the best return per day on this path.
5 settled calls · 1 reached target (20%) · average best move 19.7%. See the full record.
- Upper line touches
- 3
- Lower line touches
- 3
- Fit confidence
- 80%
- Fitted
- 3 Nov 2026
Company information
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 scores from the fundamentals below (not Morningstar ratings).
- Valuation
- 66/100
- Profitability
- 37/100
- Financial health
- 30/100
- Cash generation
- 0/100
Key statistics
- Market cap
- US$21.18B
- Enterprise value
- US$22.35B
- Beta
- 2.33
- Avg volume
- 59.41M
- Revenue per share
- 4.73
- Dividend yield
- 0.00%
- 52-week range
- 13.86-32.73
- Exchange
- NASDAQ
Key ratios
- P/E (TTM)
- 28.28
- PEG
- -16.68
- Price / sales
- 3.46
- Price / book
- 1.88
- EV / EBITDA
- 14.66
- Gross margin
- 76.66%
- Operating margin
- 14.84%
- Net margin
- 12.07%
- Current ratio
- 0.83
- Quick ratio
- 0.83
- Debt / equity
- 0.35
- Interest cover
- 0.66
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$0.5916 | US$4.87B | 14 |
| 2027 | US$0.8152 | US$5.98B | 15 |
| 2028 | US$1.03 | US$7.39B | 14 |
| 2029 | US$1.58 | US$9.31B | 7 |
Analyst view
- Target (mean)
- US$20.77
- Target (high)
- US$29.00
- Target (low)
- US$15.00
- Strong buy
- 0
- Buy
- 10
- Hold
- 13
- Sell
- 4
Trend lines are fitted to past swing highs and lows and may not continue. Information only, not financial advice.