SOFI
SoFi Technologies, Inc.Financial ServicesCredit ServicesGrowth at a Reasonable Price
$15.72 · 15min delay
β 2.13A steady large-cap growth-at-a-reasonable-price pick trading near fair value. Frameworks sharply disagree on it.
52-wk low $12.7452-wk high $32.73
Mkt Cap
$20.16B
P/E
—
PEG
0.98
P/B
1.86
Dividend
—
ROE
6.6%
About the business
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.
Who would buy SOFI?
Consensus 33/100 · Mixed · Investors are split.
3 8 4
Endorses
· 3 frameworks- Peter Lynch· Lynch GARP88/100
PEG < 1 (growth at a discount) 0.98× clears "< 1.00×".
- Seth Klarman· Klarman Margin of Safety80/100
Net Cash > 0 $1.28 clears "> $0.00".
- Howard Marks· Marks Risk-First80/100
Debt/Equity < 0.5 0.18 clears "< 0.50".
Insider activity · Negative
Insider selling outweighs buying
Strength 55/100
4 insiders sold $8.5M on a discretionary basis. Discretionary selling carries more signal than planned disposals, but insiders sell for many non-thesis reasons (taxes, diversification, life events) — do not over-read it. Over the 6M window, insiders are net buyers by 2,470,572 shares.
In Prism's context
Insider selling is worth flagging but insiders sell for many non-thesis reasons. Read alongside the framework verdict (Weak match).
| Insider | Role | Type | Date | Shares | Avg price | Value | Own |
|---|---|---|---|---|---|---|---|
| NOTO ANTHONY J. | Chief Executive Officer | Open-market buy | May 8, 2026 | 15,878 | $15.73 | $250K | Direct |
| KEOUGH KELLI ALLEN | Officer | Open-market sell | Apr 21, 2026 | 9,742 | $19.25 | $188K | Direct |
| KEOUGH KELLI ALLEN | Officer | Open-market sell | Mar 20, 2026 | 9,742 | $16.94 | $165K | Direct |
| RISHEL JEREMY DYLAN | Chief Technology Officer | Open-market sell | Mar 18, 2026 | 94,958 | $17.43 | $1.66M | Direct |
| NOTO ANTHONY J. | Chief Executive Officer | Open-market buy | Mar 17, 2026 | 28,900 | $17.32 | $501K | Direct |
| RISHEL JEREMY DYLAN | Chief Technology Officer | Transaction | Mar 16, 2026 | 300,500 | — | — | Direct |
| PINTO ARUN | Officer | Transaction | Mar 16, 2026 | 11,434 | — | — | Direct |
| KEOUGH KELLI ALLEN | Officer | Transaction | Mar 16, 2026 | 122,188 | — | — | Direct |
| NOTO ANTHONY J. | Chief Executive Officer | Transaction | Mar 16, 2026 | 459,848 | — | — | Direct |
| LAPOINTE CHRISTOPHER | Chief Financial Officer | Transaction | Mar 16, 2026 | 155,907 | — | — | Direct |
| LAVET ROBERT S | General Counsel | Transaction | Mar 16, 2026 | 36,057 | — | — | Direct |
| NOTO ANTHONY J. | Chief Executive Officer | Open-market buy | Mar 2, 2026 | 56,000 | $17.88 | $1.00M | Direct |
| KEOUGH KELLI ALLEN | Officer | Open-market sell | Feb 20, 2026 | 9,755 | $18.87 | $184K | Direct |
| PINTO ARUN | Officer | Transaction | Feb 17, 2026 | 45,389 | — | — | Direct |
| SCHUPPENHAUER ERIC | Officer | Transaction | Feb 17, 2026 | 55,731 | — | — | Direct |
| FREIBERG STEVEN J | Director | Open-market sell | Feb 6, 2026 | 94,225 | $20.31 | $1.91M | Direct |
| FREIBERG STEVEN J | Director | Option exercise | Feb 6, 2026 | 250,000 | $7.33 | $1.83M | Direct |
| LAVET ROBERT S | General Counsel | Open-market buy | Feb 6, 2026 | 5,000 | $21.04 | $105K | Indirect |
| SCHUPPENHAUER ERIC | Officer | Open-market buy | Feb 5, 2026 | 5,000 | $19.93 | $100K | Direct |
| KEOUGH KELLI ALLEN | Officer | Open-market sell | Jan 20, 2026 | 9,468 | $25.75 | $244K | Direct |
| KEOUGH KELLI ALLEN | Officer | Open-market sell | Dec 23, 2025 | 9,468 | $27.14 | $257K | Direct |
| RISHEL JEREMY DYLAN | Chief Technology Officer | Open-market sell | Dec 17, 2025 | 91,837 | $26.64 | $2.45M | Direct |
| RISHEL JEREMY DYLAN | Chief Technology Officer | Transaction | Dec 15, 2025 | 276,543 | — | — | Direct |
| PINTO ARUN | Officer | Transaction | Dec 15, 2025 | 11,434 | — | — | Direct |
| SIMCOCK STEPHEN | General Counsel | Transaction | Dec 15, 2025 | 77,887 | — | — | Direct |
| KEOUGH KELLI ALLEN | Officer | Transaction | Dec 15, 2025 | 122,186 | — | — | Direct |
| NOTO ANTHONY J. | Chief Executive Officer | Transaction | Dec 15, 2025 | 576,850 | — | — | Direct |
| LAPOINTE CHRISTOPHER | Chief Financial Officer | Transaction | Dec 15, 2025 | 141,346 | — | — | Direct |
| RISHEL JEREMY DYLAN | Chief Technology Officer | Award / grant | Dec 8, 2025 | 1,042 | $27.64 | $29K | Direct |
| PINTO ARUN | Officer | Open-market sell | Nov 21, 2025 | 46,132 | $24.76 | $1.14M | Direct |
| KEOUGH KELLI ALLEN | Officer | Open-market sell | Nov 20, 2025 | 10,340 | $26.43 | $273K | Direct |
| PINTO ARUN | Officer | Transaction | Nov 14, 2025 | 45,388 | — | — | Direct |
| SCHUPPENHAUER ERIC | Officer | Transaction | Nov 14, 2025 | 55,731 | — | — | Direct |
Insider activity from Yahoo Finance (quoteSummary: insiderTransactions + netSharePurchaseActivity). Cached 6 hours. · Insiders hold 1.5% of shares outstanding.
Net 6M: +2,470,572 sh
Price history
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What would SOFI do to your portfolio?
Add SoFi Technologies, Inc. at a hypothetical weight and Prism recalculates your whole book:
Risk metrics
Sharpe, Sortino, volatility, max drawdown, beta — before and after.
Sector concentration
How much this shifts your top sector weight and overall diversification.
Archetype tilt
Whether this leans your book more toward Quality, Value, Growth, Deep Value, Income, or Momentum.
SOFI is currently tagged:Growth at a Reasonable PriceWeak match (33/100)
Portfolio analytics are part of the member experience.
Sign in to run this simulationProbabilistic recommendation· rec-v1.0.0-2026-04
SoFi Technologies, Inc. · SOFI
SOFI: 54% estimated probability of outperforming over the next 12M window. 2 of 6 signal families mixed (medium confidence). Strongest support: Gross 84%. Main risk to monitor: 36% above fair value.
Outperform prob.
54%
vs S&P 500 · 12M
Expected return
-4.9% → +19.1%
mid +7.1% / yr
Downside (p20)
-25.5%
stress -51.0%
Data quality
93/100
Excellent
Prism Score
Probabilistic research output, not financial advice. Prism recommendations are based on available data, historical relationships, and model assumptions. They do not guarantee future returns. Conduct independent due diligence before any investment decision.
Backtested and similar-setup statistics may be affected by survivorship bias, look-ahead bias, overfitting, transaction costs, liquidity constraints, and data limitations. Probability estimates are anchored heuristics — not validated forecasts — until the walk-forward backtest pipeline is in place.
Prism Score
Composite 64/100. Strongest contribution from quality; weakest from valuation.
Composite
64
/ 100
Deep valueval.
88/ 100
P/B 1.86×
Margin of safetyval.
24/ 100
36% above fair value
Bull · base · bear scenarios
Three plausible paths over a 5-year horizon.
Indicative only. Probabilities are model-implied weights for stress-testing — not forecasts.
Bull
~20%$15.04
-0.9% / yr (5y)
A turnaround takes hold: margin recovers toward peer averages, revenue stabilises, and the market re-prices the asset value rather than the running earnings.
Drivers
- • Margin expands by 200–400 bps from 18%
- • Stranded asset value crystallises
- • Multiple re-rates one full turn higher
Base
~45%$11.57
-5.9% / yr (5y)
No deterioration, no surprise re-acceleration. 18% operating margin and 43% top-line growth chug along; the multiple slowly converges to the central fair-value estimate.
Global value comparison
SoFi Technologies, Inc. vs sector medians — GCC, MENA, and Global ex-US.
Sector: Financial Services. MENA-aware investors can sanity-check whether the US name is offering value relative to regional peers.
| Metric | SOFI | GCC median | MENA median | Global ex-US |
|---|---|---|---|---|
| P/E (TTM) | — | 11.2× | 8.5× | 11.5× |
| P/B | 1.86× | 1.70× | 1.20× | 1.30× |
| Dividend yield | — | 4.60% | 4.20% | 4.00% |
| ROE | 6.6% |
Earnings reaction explainer
SOFI reported in line with consensus.
Reported EPS $0.12 vs $0.12 expected. With no surprise on the headline, the share-price reaction is usually driven by guidance, KPIs, or commentary on demand. Trailing operating margin: 18.3%.
- All audiencesNeutral
In-line prints transfer the conversation from the headline to the guidance, the segment mix, and management commentary on the demand environment.
What to watch on the next print
- • Segment-level KPIs vs estimates
- • Guidance vs current consensus for the next quarter
News & events
Next earnings
Tue, Jul 28 · consensus EPS $0.12 · last actual $0.12
Key Metrics at a Glance
P/E Ratio (TTM)
N/A
PEG Ratio
0.98
P/B Ratio
1.86
EPS Growth
101.2%
Revenue Growth
42.5%
Debt / Equity
0.18
Net Cash / Share
$1.28
Return on Equity
6.6%
Gross Margin
83.5%
Operating Margin
18.3%
FCF / Share
N/A
Current Ratio
1.12