SoFi Technologies, Inc.
SOFI · Financial Services · · USDFahodi Score STRONG SELL Mid-term (Position)
34
/ 100
Technical
25
Trend & RS
28
Momentum
44
Fundamental
66
Macro
22
Liquidity
63
| Component | Score | Weight |
|---|---|---|
| Technical | 25.0 | 20% |
| Trend & RS | 27.7 | 30% |
| Momentum | 44.5 | 15% |
| Fundamental | 66.2 | 10% |
| Macro | 22.5 | 20% |
| Liquidity | 62.6 | 5% |
Trade Setup
| Entry | 16.04 |
| Stop Loss | 14.30 (10.8%) |
| Target 1 (1:1) | 17.78 (+10.8%) |
| Target 2 (2:1) | 19.52 (+21.7%) |
| ATR(14) | 0.87 (5.4%) |
| Risk per Share | 1.74 |
| Reward:Risk | 2:1 |
ATR-based levels. Adjust for support/resistance zones.
Factor Profile
| Factor | Score | Z | Bar |
|---|---|---|---|
| Value | 66.1 | +0.64 | |
| Momentum | 44.5 | -0.22 | |
| Quality | 34.4 | -0.63 | |
| Composite | 48.3 | ||
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
3.29
—
Safe Zone
Distress <1.81Grey 1.81–2.99>2.99 Safe
Valuation vs Peers Fair Value
| Metric | Stock | Sector | vs Peers |
|---|---|---|---|
| P/E Ratio | 29.2 | 18.0 | +62% above |
| P/B Ratio | 1.8 | 2.5 | Below |
| Dividend Yield | 0.0% | 2.0% | Below avg |
Comparing against Financial Services median multiples.
Intrinsic Value (DCF) Fairly Valued
Intrinsic Value
17.14
vs
Market Price
16.04
Upside
+6.9%
| Margin of Safety | +6.4% |
| Stage 1 PV (5yr FCF) | 4,383,281,741 |
| Terminal Value PV | 17,844,015,051 |
| Total Enterprise Value | 22,227,296,792 |
Assumptions
| Base FCF | 570,511,623 |
| 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
4.6%
Recommended Size
19.82%
Full Kelly
9.91%
Half Kelly
5.0%
Max Cap (Moderate)
Kelly inputs derived from quant score 34/100. Estimated win rate 50%, avg win 7.1%, avg loss 4.3%. Position was capped at the moderate risk maximum. This is analytical output, not a recommendation to trade.
RECOVERY
Regime: RECOVERY (40% confidence) — position size reduced 8%
Signal Summary STRONG SELL
1
Bullish Signals
3
Bearish Signals
49.58
RSI(14)
0.1916
MACD
Relative Strength (RS) WEAK RS
19
/ 99
RS Rating
O'Neil filter: <80
| RS vs SPY | → FLAT (-7.8% vs SPY 3M) |
| RS vs Sector | UNDERPERFORMING (Financial Services) |
| RS New High | No (49d since high) |
| Sector Outperformance | -18.5% (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
| Indicator | Value | Signal |
|---|---|---|
| Rsi | 49.58 | NEUTRAL |
| Macd | 0.1916 | BULLISH |
| Ma Cross | 16.41 / 17.6 | DEATH CROSS |
| Trend Short | BELOW SMA50 | |
| Trend Long | BELOW SMA200 | |
| Bollinger | MIDDLE | |
| Volume | 1.33x | NORMAL |
Key Levels
| Level | Price |
|---|---|
| 52-Week High | 32.73 |
| Bollinger Upper | 17.86 |
| SMA(200) | 17.6 |
| SMA(50) | 16.41 |
| SMA(20) | 15.63 |
| Current Price | 16.04 |
| Bollinger Lower | 13.4 |
| 52-Week Low | 13.86 |
| ATR(14) | 0.87 |
Advanced Technical Analysis
Click to expand
Wyckoff Phase & Volume Spread Analysis
Wyckoff Phase
MARKDOWN
Confidence
100%
Acc: 0.0 |
Dist: 0.0 |
Markup: 0.0 |
Markdown: 2.0
Volume Spread Analysis (last 5 bars)
| Date | Signal | Vol | Description |
|---|---|---|---|
| 2026-10-30 | Normal | 1.1x | Normal bar — no special VSA pattern |
| 2026-11-02 | Normal | 0.94x | Normal bar — no special VSA pattern |
| 2026-11-03 | Normal | 0.84x | Normal bar — no special VSA pattern |
| 2026-11-04 | Normal | 0.95x | Normal bar — no special VSA pattern |
| 2026-11-05 | Normal | 1.33x | Normal bar — no special VSA pattern |
Ichimoku Cloud NEUTRAL
| Line | Value | Status |
|---|---|---|
| Tenkan-sen (9) | 16.07 | Above Kijun |
| Kijun-sen (26) | 15.80 | Base line |
| Senkou A | 15.93 | Leading span A |
| Senkou B | 16.68 | Leading span B |
| Cloud | 15.93 – 16.68 | Bearish (Red) |
| Price vs Cloud | 16.04 | Inside Cloud |
| Chikou Span | 15.84 | Bullish |
| Alignment Score | 2/4 | NEUTRAL |
TTM Squeeze & Divergences
TTM Squeeze
SQUEEZE OFF
No squeeze
Momentum:
BULLISH FADING
BB: 13.4 – 17.86 | KC: 14.31 – 16.95
Divergences (last 60 bars)
| Type | Indicator | Bars Ago | Strength |
|---|---|---|---|
| Hidden Bearish | RSI | 12 | |
| Hidden Bearish | RSI | 20 |
Anchored VWAP
VWAP: 15.97
Anchor: 2026-10-15 (52w Low)
ABOVE AVWAP
+0.5%
Heikin-Ashi Trend
WEAKLY BEARISH
Full data via /api/advanced/SOFI
Valuation
| Metric | Value |
|---|---|
| Market Cap | 20.80B |
| P/E (TTM) | 29.16 |
| Forward P/E | N/A |
| P/B | 1.84 |
| EPS | 0.55 |
Financial Health
| Metric | Value |
|---|---|
| Revenue Growth | 43.9% |
| Profit Margin | 15.7% |
| ROE | 7.4% |
| Debt/Equity | 35.23 |
| Current Ratio | 1.09 |
| Dividend Yield | N/A |
| Payout Ratio | N/A |
| Beta | 2.24 |
Trading Data
16.04
Open
16.04
Day High
16.04
Day Low
77.43M
Volume (1.6x avg)
Price Chart (90 Days)
Candlesticks (green=up, red=down)
SMA 20
SMA 50
Bollinger Bands (upper/lower)
Volume (green=buying, red=selling)