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SOFI

SoFiC
Nasdaq / Financial Services
Last Price
Quote time unavailable
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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
2 setup hits (3d) with net bullish as of 2026-10-27.
What can break
Financial Services margin contraction and execution risk around new products could limit operating leverage.
Momentum
21
Value
48
Sentiment
67
Setup hits (3d)
2 · Net Bullish
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 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Bullish
Target $20.22
Why
Momentum21 · Δ7d +2.6
Value48 · Δ7d -1.0
Sentiment67 · Δ7d -4.3
So what
Balanced signals (Net Bullish). Wait for confirmation before sizing up.

Confirming evidence

  • • 2 setup hits (3d) with net bullish as of 2026-10-27.
  • • Sentiment remains the lead driver in the composite, 7D delta -4.3.

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
21
8% active weight
Current posture
7d trendImproving
Δ7d
+2.6
Δ21d
-0.7
Value
48
47% active weight
Current posture
7d trendFlat
Δ7d
-1.0
Δ21d
+0.7
Sentiment
67
45% active weight
Current posture
7d trendSoftening
Δ7d
-4.3
Δ21d
+0.5
Why this grade

Composite grade C. Momentum 21.4 / Value 48.1 / Sentiment 66.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-03. Scenario method

B+
Bull case
25%
Probability
Target price
$23.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
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 2026-10-27
Market Cap
$21.18B
Beta
2.14
Shares Out
1.29B
P/E (TTM)
53.6
P/S (TTM)
11.11
P/FCF (TTM) · Derived
-4.06
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 2026-10-27 • Updated nightlySource: Internal modelMethods & Data