B+
Bull case
25%
Probability
Target price
$23.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
SOFI
SoFiCNasdaq / Financial Services
Last Price
Quote time unavailable
Current thesis
The Q2 print supports a positive operating thesis: record revenue, EBITDA, members, products, and loan originations, plus higher FY2026 revenue guidance. The strongest upside path is sustained cross-sell and monetization rather than a one-quarter volume spike.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +7.1.
What can break
Financial Services margin contraction and execution risk around new products could limit operating leverage.
Momentum
31
Value
47
Sentiment
70
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $19.50 · Bull $23.00 · Bear $13.50Analysis 2026-08-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-03 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-11
Investment thesis
As of 2026-09-11
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-11. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $20.14
Why
Momentum31 · Δ7d -9.6
Value47 · Δ7d +0.8
Sentiment70 · Δ7d +7.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +7.1.
Contradictions & invalidation
- • Financial Services margin contraction and execution risk around new products could limit operating leverage.
- • Post-earnings selling and analyst target reductions may continue if investors focus on near-term guidance cadence rather than reported growth.
- • The negative post-earnings market reaction and reported target-cut activity show that strong results were not sufficient to resolve valuation and near-term guidance concerns.
Catalyst clock
2026-07-29
Q2 beat and raised FY2026 revenue outlook
Lead driver: Sentiment · See AI snapshot
Momentum
31
9% active weight
Current posture
7d trendImproving
Δ7d
-9.6
Δ21d
+2.3
Value
47
28% active weight
Current posture
7d trendFlat
Δ7d
+0.8
Δ21d
+0.5
Sentiment
70
62% active weight
Current posture
7d trendImproving
Δ7d
+7.1
Δ21d
+4.9
Why this grade
Composite grade C. Momentum 31.1 / Value 47.5 / Sentiment 70.2
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-03. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$19.50
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$13.50
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$23.65B
Beta
2.14
Shares Out
1.29B
P/E (TTM)
53.6
P/S (TTM)
11.11
P/FCF (TTM) · Derived
-4.54
Rev YoY
+39.1%
EPS YoY
+40.5%
Gross Margin
+62.0%
Op Margin
+15.3%
Net Debt
-$3.27B
Current Ratio
3.93
As of 2026-09-11 • Updated nightlySource: Internal modelMethods & Data