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SOFI

SoFiB
Nasdaq / Financial Services
Last Price
At close
2026-07-18
View Chart
Current thesis
Sustained margin expansion, materially lower credit losses, and continued member growth drive multiple expansion toward fintech peer averages, producing significant upside versus the anchor.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +6.3.
What can break
Credit loss spike / higher charge-offs
Momentum
43
Value
48
Sentiment
81
Setup hits (3d)
— · Net —
AI TargetsBase $25.74 · Bull $34.17 · Bear $17.09
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-02-01 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net —
Target $20.42
Why
Momentum43 · Δ7d -3.1
Value48 · Δ7d +0.3
Sentiment81 · Δ7d +6.3
So what
Strength-led posture. Favor watchlist adds and disciplined entries.
Setup hits not loaded

Load setup hits to see net bias and recent triggers.

Load setup hits
Lead driver: Sentiment · See AI snapshot
Momentum
43
26% active weight
Current posture
7d trendSoftening
Δ7d
-3.1
Δ21d
+1.1
Value
48
39% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
+1.6
Sentiment
81
34% active weight
Current posture
7d trendImproving
Δ7d
+6.3
Δ21d
+2.8
Why this grade

Composite grade B. Momentum 43.4 / Value 47.8 / Sentiment 81.1

Fundamentals (TTM)
As of 2026-07-17
Market Cap
$22.17B
Beta
2.14
Shares Out
1.28B
P/E (TTM)
53.6
P/S (TTM)
11.11
P/FCF (TTM) · Derived
23.12
Rev YoY
+35.8%
EPS YoY
+101.0%
Gross Margin
+61.7%
Op Margin
+12.1%
Net Debt
-$3.27B
Current Ratio
5.24
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology