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SoFi Technologies, Inc.

SOFI · Financial Services · · USD
18.22 USD
0.00 (-1.57%)
● Updated 2026-09-07 20:37 Saudi Time ↻ Refresh
Short-term Mid-term Long-term

Fahodi Score SELL Mid-term (Position)

46
/ 100
Technical 25
Trend & RS 33
Momentum 59
Fundamental 76
Macro 64
Liquidity 36
ComponentScoreWeight
Technical 25.0 20%
Trend & RS 33.2 30%
Momentum 58.9 15%
Fundamental 76.0 10%
Macro 64.4 20%
Liquidity 36.3 5%

Trade Setup

Entry 18.22
Stop Loss 16.52 (9.3%)
Target 1 (1:1) 19.92 (+9.3%)
Target 2 (2:1) 21.62 (+18.7%)
ATR(14) 0.85 (4.7%)
Risk per Share 1.70
Reward:Risk 2:1

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

Factor Profile

Factor Score Z Bar
Value 55.7 +0.23
Momentum 58.9 +0.36
Quality 33.8 -0.65
Composite 49.5

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 4.27 — Safe Zone
Distress <1.81Grey 1.81–2.99>2.99 Safe

Valuation vs Peers Fair Value

MetricStockSectorvs Peers
P/E Ratio 37.2 18.0 +107% above
P/B Ratio 2.1 2.5 Below

Comparing against Financial Services median multiples.

Intrinsic Value (DCF) Overvalued

Intrinsic Value
15.27
vs
Market Price
18.22
Upside
-16.2%
Margin of Safety -19.3%
Stage 1 PV (5yr FCF)3,889,905,173
Terminal Value PV15,835,515,617
Total Enterprise Value19,725,420,790

Assumptions

Base FCF506,295,567
Growth Rate (5yr)25.0%
Terminal Growth2.5%
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

4.5%
Recommended Size
29.59%
Full Kelly
14.79%
Half Kelly
5.0%
Max Cap (Moderate)

Kelly inputs derived from quant score 46/100. Estimated win rate 54%, avg win 7.8%, avg loss 4.1%. Position was capped at the moderate risk maximum. This is analytical output, not a recommendation to trade.

BEAR Regime: BEAR (20% confidence) — position size reduced 10%

Signal Summary STRONG SELL

1
Bullish Signals
3
Bearish Signals
51.18
RSI(14)
0.1054
MACD

Relative Strength (RS) WEAK RS

8
/ 99
RS Rating
O'Neil filter: <80
RS vs SPY → FLAT (+9.0% vs SPY 3M)
RS vs Sector INLINE (Financial Services)
RS New High No (40d since high)
Sector Outperformance +5.5% (3M)
RS Line — stock / SPY (90 bars)
← older newer →
RS vs SPY 50-day SMA of RS
WEAK RS: Underperformer — the stock is lagging the market. Avoid until RS trend reverses upward.

Technical Indicators

IndicatorValueSignal
Rsi 51.18 NEUTRAL
Macd 0.1054 BEARISH
Ma Cross 17.88 / 19.97 DEATH CROSS
Trend Short ABOVE SMA50
Trend Long BELOW SMA200
Bollinger MIDDLE
Volume 0.68x NORMAL

Key Levels

LevelPrice
52-Week High32.73
Bollinger Upper19.24
SMA(200)19.97
SMA(50)17.88
SMA(20)18.24
Current Price18.22
Bollinger Lower17.24
52-Week Low14.88
ATR(14)0.85

Advanced Technical Analysis

Click to expand

Wyckoff Phase & Volume Spread Analysis

Wyckoff Phase

Insufficient data for Wyckoff analysis.

Volume Spread Analysis (last 5 bars)

DateSignalVolDescription
2026-08-31 Normal 0.86x Normal bar — no special VSA pattern
2026-09-01 Normal 0.99x Normal bar — no special VSA pattern
2026-09-02 Normal 0.96x Normal bar — no special VSA pattern
2026-09-03 Normal 1.03x Normal bar — no special VSA pattern
2026-09-04 Normal 0.68x Normal bar — no special VSA pattern

Ichimoku Cloud BULLISH

LineValueStatus
Tenkan-sen (9) 18.21 Above Kijun
Kijun-sen (26) 17.66 Base line
Senkou A 17.94 Leading span A
Senkou B 17.31 Leading span B
Cloud 17.31 – 17.94 Bullish (Green)
Price vs Cloud 18.22 Above Cloud
Chikou Span 16.31 Bullish
Alignment Score 4/4 BULLISH

TTM Squeeze & Divergences

TTM Squeeze

SQUEEZE ON 6 bars Momentum: BULLISH FADING
BB: 17.24 – 19.24  |  KC: 17.01 – 19.47

Divergences (last 60 bars)

TypeIndicatorBars AgoStrength
Regular Bearish MACD 7

Anchored VWAP

VWAP: 17.66 Anchor: 2026-07-29 (52w Low) ABOVE AVWAP +3.1%

Heikin-Ashi Trend

WEAKLY BULLISH Full data via /api/advanced/SOFI

Valuation

MetricValue
Market Cap23.53B
P/E (TTM)37.18
Forward P/EN/A
P/B2.12
EPS0.49

Financial Health

MetricValue
Revenue Growth42.6%
Profit Margin14.9%
ROE7.1%
Debt/Equity30.84
Current Ratio1.10
Dividend YieldN/A
Payout RatioN/A
Beta2.21

Trading Data

18.22
Open
18.22
Day High
18.22
Day Low
29.12M
Volume (0.4x avg)

Recent News (8)

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Barchart · 2026-09-05
SoFi Raised Its Revenue Guidance and the Stock Fell 10%. Here's What the Market Missed.
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StockStory · 2026-09-04

Price Chart (90 Days)

Candlesticks (green=up, red=down) SMA 20 SMA 50 Bollinger Bands (upper/lower) Volume (green=buying, red=selling)
Powered by Fahodi Methodology. This is analytical output, not financial advice. Always do your own due diligence.  ·  Pipeline status  ·  Data: —