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SOFI
$16.30-0.14 (-0.82%)
Market OpenUpdated 3:51 PM EDT
SoFi Technologies, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
SoFi Technologies, Inc. in the Financial Services sector is trading at $16.34. The stock is currently near its 52-week low of $12.43, remaining 31.2% below its 200-day moving average. Technical signals show neutral RSI of 40 and bearish MACD signal, explaining why SOFI maintains its current current market pressure. The Whystock Score of 45/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Neutral momentum (RSI 40) — price action in range
Long-term trend bearish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$16.30
Potential Downside
61%
Whystock Fair Value$6.36
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus20 analysts
Hold
Mean target$21.70+33.2%
Range$12.00 – $38.00
Fundamentals
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$24.31B
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
48.87
Beta
High-beta play. Expect amplified moves vs. the broad market.
2.25
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
5.35%
Volume
Today's trading volume
58.31M
Recent News
1 Mid-Cap Stock for Long-Term Investors and 2 We Avoid
Mid-cap stocks have the best odds of scaling into $100 billion corporations thanks to their tested business models and large addressable markets. But the many opportunities in front of them attract significant competition, spanning from industry behemoths with seemingly infinite resources to small, nimble players with chips on their shoulders.
SoFi Technologies Just Delivered Record Growth. Why Did Investors Want More?
As SoFi sets new records, it's getting harder to meet investors' ever-inflating expectations.
SoFi Faces Muddy Waters Claims While Strong Results Test Investor Confidence
In late April 2026, Muddy Waters released a short seller report on SoFi Technologies, alleging accounting issues and mis management of a large JPMorgan loan. SoFi’s management firmly rejected the claims and stated plans to pursue legal action against the hedge fund. The dispute has coincided with sharp share price volatility and raised questions about reputational and regulatory risk for NasdaqGS:SOFI. SoFi Technologies, trading at $16.43, now sits at the center of a highly public challenge...
SoFi Stock Could Jump 26% as Market Overreacts to One Soft Segment
Our SoFi Technologies (NASDAQ:SOFI) thesis comes down to a simple question: how much should investors pay for a digital bank growing members 35% per year while the market punishes a single soft segment? After Tuesday’s brutal post-earnings session, our model says the selloff went too far. The 24/7 Wall St. price target for SoFi is ... SoFi Stock Could Jump 26% as Market Overreacts to One Soft Segment
Why SoFi Technologies Stock Was Slipping This Week
The company keeps putting up solid growth, but investors were underwhelmed with forward guidance.