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Upturn AI Summary - About
SoFi Technologies Inc.(SOFI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SOFI
11/05/2026: SOFI (1-star) is currently NOT-A-BUY. Pass it for now.
SoFi Technologies is a digital-first financial services company that operates as a modern alternative to traditional banking. Its core strengths lie in its integrated product ecosystem and national bank charter, which allow for efficient cross-selling and lower funding costs. The primary investment story centers on the company’s ability to transition from a niche lender to a broad financial platform with scalable technology services. Key risks include sensitivity to macroeconomic conditions that affect lending, potential regulatory shifts, and intense competition from both incumbents and fintech rivals. The stock may best suit growth-oriented investors who can tolerate volatility, while developments in GAAP profitability and platform adoption remain critical metrics to monitor.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | SoFi is a high-growth company rapidly expanding its user base and product ecosystem. |
| Momentum investor | Mixed fit | Momentum appeal depends heavily on market sentiment regarding growth stocks and quarterly profitability trends. |
| Value investor | Weak fit | The company is valued primarily on future growth prospects rather than current earnings or book value. |
| Dividend investor | Weak fit | SoFi does not pay a dividend and is in the capital-intensive growth phase. |
| Low-risk investor | Weak fit | High volatility and sensitivity to interest rates make this stock unsuitable for conservative portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock frequently experiences significant price swings common to high-growth, speculative technology companies. |
| Valuation risk | Medium / high | Valuation is sensitive to growth assumptions that may not materialize if economic conditions deteriorate. |
| Competition risk | High | Intense competition from both traditional banks and other fintechs threatens market share in lending and deposits. |
| Business quality | Medium | The business model is solidifying but remains dependent on maintaining a high-quality loan book during economic cycles. |
| Dividend income | Low / none | Investors should not expect any income generation from this stock. |
| Execution risk | Medium | Successfully managing a bank charter while scaling technology platforms requires precise operational execution. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 68.99% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 22.54B USD | Price to earnings Ratio 31.6 | 1Y Target Price 20.84 |
Price to earnings Ratio 31.6 | 1Y Target Price 20.84 | ||
Volume (30-day avg) 53.0M shares | Beta 2.24 | 52 Weeks Range 13.86 - 32.73 | Updated Date 11/05/2026 |
52 Weeks Range 13.86 - 32.73 | Updated Date 11/05/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.55 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Lending | Interest and fee income from personal, student, and home loans. | This is currently the primary engine driving revenue and profit. |
| Financial Services | Revenue from credit cards, investment commissions, and cash management interest spreads. | This segment focuses on gathering low-cost deposits to fund lending activities. |
| Technology Platform | Service fees from Galileo and Technisys infrastructure clients. | This provides a steady, recurring-revenue base that is less tied to consumer loan cycles. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When Before Market | Estimate 0.17 | Actual 0.18 |
Profitability
Profit Margin 15.75% | Operating Margin (TTM) 23.19% |
Management Effectiveness
Return on Assets (TTM) 1.3% | Return on Equity (TTM) 7.35% |
Valuation
Trailing PE 31.6 | Forward PE 19.61 | Enterprise Value 23.71B | Price to Sales(TTM) 4.81 |
Enterprise Value 23.71B | Price to Sales(TTM) 4.81 | ||
Enterprise Value to Revenue 5.44 | Enterprise Value to EBITDA - | Shares Outstanding 1.30B | Shares Floating 1.28B |
Shares Outstanding 1.30B | Shares Floating 1.28B | ||
Percent Insiders 1.45 | Percent Institutions 51.5 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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