SOFI

ACCE-researched
SoFi Technologies Inc. Common Stock
Financial Services · Credit Services · NASDAQ · United States
$16.96+1.37%
Market cap $21.9BNext earnings 2026-10-27Updated Sep 18, 2026
FAIR VALUE · CONSENSUS
$16.96+0.0%
confidence-weighted across 3 of 6 models
Now $16.96
$16.96
$5.46$8.35
Avoid
Price vs fair value
146.2% above
-59.4% to fair value
ACCE score
62
out of 100
Analysts
33% buy
24 covering
P/E
34.6x
forward 21.2x
1-year return
-39.7%
Dividend yield
0.00%
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Overview

⚠ Investor warnings · 4 flags
  • high
    Massive negative FCF
    FCF is -$3.98B despite reported profitability, signaling heavy cash consumption inconsistent with stated earnings quality.
  • high
    Elevated short interest
    Short interest at 14.9% signals significant market skepticism; meaningful squeeze or downside risk depending on catalyst.
  • moderate
    Momentum quality score low
    ACCE Momentum score of 17/100 despite recent +26 score delta suggests underlying price/momentum weakness persists.
  • moderate
    Insider net selling bias
    Insiders sold $2.52M vs. bought $0.50M in last 10 disclosures, a 5:1 sell/buy ratio signaling limited conviction.
Reports in 36 days, last quarter beat by 0.1%.

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Plain-English pros, cons, and what to watch. Pro feature.

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Price

-43.1% · 1Y

Valuation

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Full valuation engine INVESTOR FEATURE

Six independent models converge on one confidence-weighted fair value, with full methodology and editable assumptions.

  • +All six models: DCF, P/E and EV/EBITDA comps, Graham, dividend discount, residual income
  • +Scenario bands, sensitivity tornado, and the 5-year historical valuation range
  • +Editable DCF workbench with saved scenarios

Quality

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Quality and conviction INVESTOR FEATURE

The full quality picture: conviction breakdown, earnings quality, score history, and backtested returns.

  • +Conviction score breakdown and earnings-quality grade
  • +Growth / value / quality / momentum component scores
  • +90-day score history and score-threshold backtests

Analysts

Wall Street consensus

Bearish33% buy · 24 covering analysts
● Strong buy 5● Buy 3● Hold 12● Sell 2● Strong sell 2
Analyst intelligence INVESTOR FEATURE

The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.

  • +Price-target low / average / high vs the current price, with implied upside
  • +Forward revenue and EPS consensus by fiscal year
  • +ACCE fair-value models lined up against the Street

Smart Money

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Smart money tracking PRO FEATURE

Follow the institutions: 13F position changes, insider trades, and active 13D activist filings.

  • +Quarter-over-quarter institutional position changes
  • +Recent open-market insider transactions
  • +Active 13D activist filings and top holders

Compare

Where it sits vs peers

This stock Peer Peer median weaker → stronger
P/Ebetter than 0% of peers
low 4.3x34.6xhigh 34.6x
ROEbetter than 0% of peers
low 7%7%high 45%
Div yieldbetter than 17% of peers
low 0.0%0.0%high 4.5%

Algorithmic peers (6)

TickerCompanyMcapP/EROED/EYieldQuality
AFRMAffirm Holdings Inc. Class A Common Stock$24.0B12.945.1%1.860.0%-Compare
SYFSynchrony Financial Common Stock$24.4B7.720.8%0.911.6%-Compare
CHOLAFIN.NSCholamandalam Investment and Finance Company Limited$16.0B26.519.3%695.280.1%-Compare
TATACAP.NSTATA CAPITAL LIMITED$15.3B27.112.0%502.930.2%-Compare
ALLYAlly Financial Inc. Common Stock$12.2B9.49.7%1.373.0%-Compare
PFC.NSPower Finance Corporation Limited$11.8B4.320.5%536.844.5%-Compare

Sector report card

Where SOFI ranks against its sector peers on each metric.

Computing percentiles…

News and Record

Reports in 36 days, last quarter beat by 0.1%.

Press releases mentioning this company

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Recent performance

1 week
-2.1%
1 month
-7.9%
3 months
-5.3%
6 months
+0.4%
YTD
-35.2%
1 year
-39.7%

SEC filings

40 filings
September 2026
Sep 16
Form 4Insider transactionPeriod 2026-09-14
Sep 16
Form 4Insider transactionPeriod 2026-09-14
Sep 16
Form 4Insider transactionPeriod 2026-09-14
37 more filings + AI summaries on Investor+.INVESTOR

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