SoFi Technologies, Inc.

SOFI · Financial Services · · USD

18.62 USD

+0.00 (5.02%)

● Updated 2026-07-10 15:40 Saudi Time ↻ Refresh

Short-term Mid-term Long-term

Fahodi Score HOLD Mid-term (Position)

/ 100

Technical 50

Trend & RS 48

Momentum 40

Fundamental 67

Macro 78

Liquidity 48

Component	Score	Weight
Technical	50.0	20%
Trend & RS	47.8	30%
Momentum	39.8	15%
Fundamental	66.7	10%
Macro	78.4	20%
Liquidity	48.2	5%

Trade Setup

Entry	18.62
Stop Loss	16.74 (10.1%)
Target 1 (1:1)	20.50 (+10.1%)
Target 2 (2:1)	22.38 (+20.2%)

ATR(14)	0.94 (5.0%)
Risk per Share	1.88
Reward:Risk	2:1

ATR-based levels. Adjust for support/resistance zones.

Factor Profile

Factor	Score	Z
Value	50.6	+0.02
Momentum	39.8	-0.41
Quality	33.4	-0.66
Composite	41.3

Quality Scores

Piotroski F-Score 6 /9 — Average

✓ ✓ ✗ ✗ ✓ ✗ ✓ ✓ ✓

1. Positive Net Income 2. Positive Roa 3. Positive Cfo 4. Quality Earnings 5. Lower Leverage 6. Higher Liquidity 7. No Dilution 8. Higher Gross Margin 9. Higher Asset Turnover

Altman Z-Score Insufficient Data

Valuation vs Peers Fair Value

Metric	Stock	Sector	vs Peers
P/E Ratio	41.4	18.0	+130% above
P/B Ratio	2.2	2.5	Below

Comparing against Financial Services median multiples.

Intrinsic Value (DCF) Overvalued

Intrinsic Value

14.65

Market Price

18.62

Upside

-21.3%

Margin of Safety	-27.1%
Stage 1 PV (5yr FCF)	3,705,627,832
Terminal Value PV	15,085,336,213
Total Enterprise Value	18,790,964,045

Assumptions

Base FCF	482,310,715
Growth Rate (5yr)	25.0%
Terminal Growth	2.5%
Discount Rate (WACC)	9.0%

2-stage DCF: 5yr projected FCF + Gordon Growth terminal value. Estimates only — adjust growth and WACC for your own assumptions.

Position Sizing — Kelly Criterion

4.8%

Recommended Size

36.13%

Full Kelly

18.06%

Half Kelly

5.0%

Max Cap (Moderate)

Kelly inputs derived from quant score 55/100. Estimated win rate 57%, avg win 8.3%, avg loss 3.9%. Position was capped at the moderate risk maximum. This is analytical output, not a recommendation to trade.

RECOVERY Regime: RECOVERY (20% confidence) — position size reduced 4%

Signal Summary BUY

Bullish Signals

Bearish Signals

59.25

RSI(14)

0.386

MACD

Relative Strength (RS) NEUTRAL

/ 99

RS Rating

O'Neil filter: <80

RS vs SPY	→ FLAT (+1.4% vs SPY 3M)
RS vs Sector	INLINE (Financial Services)
RS New High	No (55d since high)
Sector Outperformance	+3.3% (3M)

RS Line — stock / SPY (90 bars)

← older newer →

RS vs SPY 50-day SMA of RS

NEUTRAL: In line with the market — no strong outperformance or underperformance.

Technical Indicators

Indicator	Value	Signal
Rsi	59.25	NEUTRAL
Macd	0.386	BULLISH
Ma Cross	16.84 / 22.13	DEATH CROSS
Trend Short		ABOVE SMA50
Trend Long		BELOW SMA200
Bollinger		MIDDLE
Volume	0.83x	NORMAL

Key Levels

Level	Price
52-Week High	32.73
Bollinger Upper	19.0
SMA(200)	22.13
SMA(50)	16.84
SMA(20)	17.58
Current Price	18.62
Bollinger Lower	16.17
52-Week Low	14.92
ATR(14)	0.94

Advanced Technical Analysis

Click to expand

Wyckoff Phase & Volume Spread Analysis

Wyckoff Phase

ACCUMULATION E Confidence

50%

Acc: 1.0 | Dist: 1.0 | Markup: 0.0 | Markdown: 0.0

Volume Spread Analysis (last 5 bars)

Date	Signal	Vol	Description
2026-07-02	Normal	0.96x	Normal bar — no special VSA pattern
2026-07-06	Normal	0.96x	Normal bar — no special VSA pattern
2026-07-07	Normal	0.92x	Normal bar — no special VSA pattern
2026-07-08	Normal	1.07x	Normal bar — no special VSA pattern
2026-07-09	Normal	0.83x	Normal bar — no special VSA pattern

Ichimoku Cloud BULLISH

Line	Value	Status
Tenkan-sen (9)	18.09	Above Kijun
Kijun-sen (26)	17.42	Base line
Senkou A	17.76	Leading span A
Senkou B	17.05	Leading span B
Cloud	17.05 – 17.76	Bullish (Green)
Price vs Cloud	18.62	Above Cloud
Chikou Span	17.74	Bullish
Alignment Score	4/4	BULLISH