SoFi Technologies Inc. (SOFI) carries a Roarable Rating of E (Strong Sell) with 33/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-02, SoFi Technologies Inc. (NASDAQ: SOFI) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 33/100 at a spot price of $16.76 (-4.83% 1D, market cap $22.74B). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 4/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, SOFI ranks #1000 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), SOFI carries a Roarable E (33/100 RQD), trailing P/E of 47.3x, gross margin of —, and ROIC of 2.1%. By comparison, SYF (Synchrony Financial) holds a B grade (72/100 RQD, P/E 6.7x, ROIC 7.6%, cap $23.97B) and EFX (Equifax Inc.) posts a B- grade (70/100 RQD, P/E 31.8x, ROIC 10.2%, cap $20.99B). Among the 5-stock peer group, SYF leads on earnings multiple (6.7x) while EFX leads on capital efficiency (10.2% ROIC).
Per SOFI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001818874), SoFi Technologies Inc. generated $619.4M in revenue (+23.1% YoY), $481.3M in net income, and -$3.77B in free cash flow against $50.66B in total assets and $18.08B in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±9.1% realized swing band)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9
Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment
While SOFI currently carries a cautious 33/100 (E) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($16.54) and Max Pain ($17.60) forces dealer call-delta covering toward $34.37.
Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
SoFi Technologies Inc. (SOFI) dropped -4.83% to $16.76, trading at 15% of its 52-week range ($13.86 – $32.73). Stretched risk/reward at 47x P/E (2% return on capital) under elevated 10-year interest-rate pressure.
SoFi Investor Relations report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
Barron's report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
WSJ report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
Investopedia report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
CNBC report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
Barron's report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
CME boasts a fortress balance sheet and a 62% net margin, while SoFi is burning cash but growing revenue 28.8% annually, a classic stability-versus-growth showdown.
Transuite.ORG Inc. (TRSO) has announced an expansion into AI and digital payment sectors, leveraging its subsidiary SolanAI Global Limited to drive this strategy. The move includes plans to acquire a majority stake in Zh
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +23.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on SOFI today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for SOFI. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, SoFi Technologies Inc. (SOFI) ranks #1000 by composite RQD confidence (33/100, grade E) and #112 by equity capitalization ($22.74B). Within this direct 5-issuer industry benchmark cohort, SYF leads on earnings valuation at 6.7x trailing P/E, while EFX leads on capital efficiency and profitability with 10.2% ROIC and — gross margin. SYF currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with SOFI at 33/100 (E).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| SOFI
ACTIVE
SoFi Technologies Inc. | E | 33/100 | 47.3x | — | 2.1% | -4.83% | $22.74B | Benchmark Subject |
| SYF Synchrony Financial | B | 72/100 | 6.7x | — | 7.6% | -2.10% | $23.97B | /syf-vs-sofi → |
| EFX Equifax Inc. | B- | 70/100 | 31.8x | — | 10.2% | +2.90% | $20.99B | /efx-vs-sofi → |
| AFRM Affirm Holdings Inc. | C- | 60/100 | — | — | -1.2% | -1.83% | $25.36B | /afrm-vs-sofi → |
| CRCL Circle Internet Group Inc. | D | 47/100 | — | — | -0.2% | -9.31% | $20.31B | /crcl-vs-sofi → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), SoFi Technologies Inc. (SOFI) reported GAAP revenue of $619.4M (+23.1% vs. FY2024 revenue of $503.1M , and +47.0% cumulative change since FY2023) , GAAP net income of $481.3M, operating cash flow of -$3.74B, and free cash flow of -$3.77B (-230.0% YoY). On the balance sheet, SOFI closed FY2025 with $50.66B in total assets against $18.08B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $619.4M | $481.3M | -$3.74B | -$3.77B | $50.66B | $18.08B |
| FY2024 (FY) | 2024-12-31 | $503.1M | $498.7M | -$1.12B | -$1.14B | $36.25B | $13.38B |
| FY2023 (FY) | 2023-12-31 | $421.5M | -$300.7M | -$7.23B | -$7.25B | $12.51B | $2.93B |
As of 2026-11-02, SoFi Technologies Inc. (NASDAQ: SOFI) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 33/100 at a spot price of $16.76 (-4.83% 1D, market cap $22.74B). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 4/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, SOFI ranks #1000 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), SOFI carries a Roarable E (33/100 RQD), trailing P/E of 47.3x, gross margin of —, and ROIC of 2.1%. By comparison, SYF (Synchrony Financial) holds a B grade (72/100 RQD, P/E 6.7x, ROIC 7.6%, cap $23.97B) and EFX (Equifax Inc.) posts a B- grade (70/100 RQD, P/E 31.8x, ROIC 10.2%, cap $20.99B). Among the 5-stock peer group, SYF leads on earnings multiple (6.7x) while EFX leads on capital efficiency (10.2% ROIC).
Per SOFI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001818874), SoFi Technologies Inc. generated $619.4M in revenue (+23.1% YoY), $481.3M in net income, and -$3.77B in free cash flow against $50.66B in total assets and $18.08B in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
SOFI last traded at $16.76 (-4.83% on volume of 64,306,150 shares), positioning the stock +1.33% above its 50-day simple moving average ($16.54) and -5.31% below its 200-day simple moving average ($17.70). Across its 52-week range of $13.86 to $32.73, SOFI sits at the 15.4% percentile with a 14-day RSI of 62.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±9.1% ($15.23 to $18.29).
Why SOFI Stock dropped -4.83% Today — RQD Quant Desk Flash. Stretched risk/reward at 47x P/E (2% return on capital) under elevated 10-year interest-rate pressure.
Per the Roarable RQD rating, SOFI scores 33 out of 100 with a letter grade of E, labeled "Roarable Strong Sell — Forensic Risk / Avoid." The five pillars are:
Taken together, the rating frames SOFI as a stock where the valuation multiples (P/E TTM of 47.3, EV/EBITDA of 56.8) rest against weak cash-return and forensic metrics. A prospective investor would weigh the upside drivers (institutional positioning, recent reported beat-and-raise coverage) against the valuation tradeoff and the forensic and cash-flow concerns flagged by the rating.
SoFi Technologies Inc. is a NASDAQ-listed issuer in the Financials sector, operating in the Finance: Consumer Services industry. Per the profile, it carries a market capitalization of $22.7B. Source data does not describe specific products, customer segments, or revenue-generation mechanics beyond the sector and industry classification.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $619.4M | $568.0M | $481.3M | N/A | $-3770.3M | $4929.5M | $18076.9M |
| FY 2024 | $503.1M | $588.4M | $498.7M | N/A | $-1142.4M | $2538.3M | $13376.6M |
| FY 2023 | $421.5M | $-354.9M | $-300.7M | N/A | $-7246.1M | N/A | $2927.2M |
Reported net income turned positive across FY 2024 and FY 2025 after a loss in FY 2023. Operating margin in the market data is listed at 75% and net margin at 68%, while gross margin is listed as 0%. ROIC is 2.1%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 3/9. Reported free cash flow is negative in all three periods, and debt has grown from $2927.2M (FY 2023) to $18076.9M (FY 2025).
Per the recent news feed, the most prominent headlines (all relatedSymbol SOFI) describe a third-quarter 2026 report with net revenue of $1.4 billion, net income of $241 million, and raised full-year guidance (SoFi Investor Relations, flagged CATALYST). Barron's characterizes the quarter as another beat-and-raise result (flagged CATALYST). Yahoo Finance, WSJ, Investopedia, and CNBC report a share-price rally following earnings and a raised outlook (flagged MARKET WIRE).
Risk watch items: the news feed's headlines describe the rally, but source data does not provide the reasons behind the stock's price action beyond these headlines. The Butterfly Supply-Chain Graph reports no proprietary signals or links.
Per the Butterfly Supply-Chain Graph, supply chain is listed as NONE and no butterfly links are provided. Source data does not identify upstream suppliers, downstream customers, or sector correlations. Second-order bottlenecks cannot be mapped from the provided sources.
Real-time company headlines, analyst actions, and sector developments for SoFi Technologies Inc. (SOFI) • Click "Debate This Headline" to argue it in the Roar Pit below
SoFi Investor Relations report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
Barron's report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
WSJ report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
Investopedia report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
CNBC report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
Barron's report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.
Welcome to the SOFI (SoFi Technologies Inc.) Roar Pit. Current RQD Composite is 33/100 (Roarable Strong Sell — Forensic Risk / Avoid) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (47.3x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on SOFI, but look at what you are paying: 47.3x trailing P/E with tightening sector spreads. Unless SoFi Technologies Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on SOFI, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $17.61 (52-wk range $13.86 - $32.73), any beat on forward guidance forces shorts and underweight funds to chase.
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