SoFi Technologies, Inc.

SOFI · Financial Services · · USD

19.49 USD

+0.00 (4.66%)

● Updated 2026-07-10 17:10 Saudi Time ↻ Refresh

Short-term Mid-term Long-term

Fahodi Score HOLD Mid-term (Position)

/ 100

Technical 40

Trend & RS 47

Momentum 40

Fundamental 67

Macro 71

Liquidity 34

Component	Score	Weight
Technical	40.0	20%
Trend & RS	47.0	30%
Momentum	40.4	15%
Fundamental	66.7	10%
Macro	71.2	20%
Liquidity	34.0	5%

Trade Setup

Entry	19.27
Stop Loss	17.36 (9.9%)
Target 1 (1:1)	21.16 (+9.9%)
Target 2 (2:1)	23.07 (+19.7%)

ATR(14)	0.95 (4.9%)
Risk per Share	1.90
Reward:Risk	2:1

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

Factor Profile

Factor	Score	Z
Value	47.9	-0.08
Momentum	40.4	-0.38
Quality	33.4	-0.66
Composite	40.6

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 Overvalued

Metric	Stock	Sector	vs Peers
P/E Ratio	43.3	18.0	+141% above
P/B Ratio	2.3	2.5	Inline

Comparing against Financial Services median multiples.

Trading at a premium to sector peers — verify growth justifies premium.

Intrinsic Value (DCF) Significantly Overvalued

Intrinsic Value

14.03

Market Price

19.49

Upside

-28.0%

Margin of Safety	-38.9%
Stage 1 PV (5yr FCF)	3,547,941,593
Terminal Value PV	14,443,407,225
Total Enterprise Value	17,991,348,818

Assumptions

Base FCF	461,786,861
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

33.08%

Full Kelly

16.54%

Half Kelly

5.0%

Max Cap (Moderate)

Kelly inputs derived from quant score 51/100. Estimated win rate 55%, avg win 8.0%, avg loss 4.0%. 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 SELL

Bullish Signals

Bearish Signals

63.33

RSI(14)

0.4621

MACD

Relative Strength (RS) NEUTRAL

/ 99

RS Rating

O'Neil filter: <80

RS vs SPY	→ FLAT (+7.4% vs SPY 3M)
RS vs Sector	INLINE (Financial Services)
RS New High	No (56d since high)
Sector Outperformance	+9.2% (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	63.33	NEUTRAL
Macd	0.4621	BULLISH
Ma Cross	16.86 / 22.08	DEATH CROSS
Trend Short		ABOVE SMA50
Trend Long		BELOW SMA200
Bollinger		UPPER BAND
Volume	0.25x	LOW

Key Levels

Level	Price
52-Week High	32.73
Bollinger Upper	19.12
SMA(200)	22.08
SMA(50)	16.86
SMA(20)	17.75
Current Price	19.49
Bollinger Lower	16.39
52-Week Low	14.92
ATR(14)	0.95

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
2026-07-06	Normal	1.0x	Normal bar — no special VSA pattern
2026-07-07	Normal	0.96x	Normal bar — no special VSA pattern
2026-07-08	Normal	1.11x	Normal bar — no special VSA pattern
2026-07-09	Normal	0.87x	Normal bar — no special VSA pattern
2026-07-10	Normal	0.25x	Normal bar — no special VSA pattern

Ichimoku Cloud BULLISH

Line	Value	Status
Tenkan-sen (9)	18.41	Above Kijun
Kijun-sen (26)	17.70	Base line
Senkou A	18.05	Leading span A
Senkou B	17.33	Leading span B
Cloud	17.33 – 18.05	Bullish (Green)
Price vs Cloud	19.27	Above Cloud
Chikou Span	16.68	Bullish
Alignment Score	4/4	BULLISH