SOFI SoFi Technologies

XNGS Down Alert

Financials

· How we analyze

About the company

SoFi Technologies, based in San Francisco, is an online bank with a US banking license. It offers personal loans, student loans, mortgages, accounts, credit cards and investing via app. Through Galileo and Technisys it also sells banking software to other companies. As of Oct 16, 2026

Fact sheet (from the annual report) Other financial services · San Francisco, USA

SoFi offers its members personal, student and home loans as well as accounts, a credit card, crypto and investing. The company, founded in 2011, operates mainly in the United States and abroad mostly through its technology division in Latin America, Canada and Switzerland. In the lending division, revenue comes from net interest income and from fees, for example for loan origination. The technology division provides financial institutions, government agencies and other companies, mainly in North and Latin America, with a platform for events and approvals and a banking platform for fees. In the loan platform business of the financial services division, partners acquire loans meeting their own criteria through the group’s platform for a fee per loan or are referred pre-screened borrowers.

Automatically summarized from SEC annual report (10-K, filed Feb 17, 2026) (website of the US Securities and Exchange Commission) · reviewed Oct 17, 2026

Price performance at a glance

Last 30 trading days
  • Today +13.4%
  • 7 days +11.7%
  • 30 days −1.1%
  • 1 year −45.3%
Day range (last trading day)
−4.5%Price at 67% of the range+2.2%
52-week range
−15.5%Price at 14% of the range+99.6%
Distance from the all-time high
−49.9%

Our own calculation from the exchange’s daily candles, as of Oct 27, 2026. “All-time” applies since the start of this series, not to the whole market. Changes in percent; the TradingView chart shows prices. “Today” = change of the last trading day versus the previous day. Not investment advice.

Gap with volume · Analysis method

New zone. A new pattern has just formed for this symbol. With Watcher you see it right away, with free access 2 days later. Plans and pricing

How the zone is formed

What is this? After strong news, usually earnings, the price opened above the previous day’s high and closed much higher on heavy volume. Such moves often continue for a few more days.

Buy zone: from the start of the gap to the close of the gap day. Stop: just below the low of the gap day. Targets: 3 and 5 ATR (normal daily ranges) above the close of the gap day.

The pattern is valid for at most 15 trading days and expires if the price falls below the stop. This is a calculated analysis, not a forecast and not a call to buy. Risk notice and investment advice

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Symbol on TradingView: NASDAQ:SOFI

Fundamental analysis

SoFi Technologies · Sector Financials · amounts in USD

Information only – does not affect our buy zones, not investment advice. Source: SEC filings, As of Feb 17, 2026.

In short

  • Light green: Revenue grew over 5 years (+43.1% per year), at least as fast as the sector median.
  • Light green: Net margin 77.7%, above the sector median (19.4%).
  • Light red: Profit in 2 of 7 fiscal years.

Summarized from the lights below. Describes the reported figures – not a recommendation to buy or sell.

RevenueNet income Net margin (below) in USD
  1. Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Revenue 4.5M USD · Net income −239.7M USD · Net margin −5,303.0%
  2. Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Revenue 103.3M USD · Net income −224.1M USD · Net margin −216.8%
  3. Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Revenue 247.7M USD · Net income −483.9M USD · Net margin −195.4%
  4. Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Revenue 377.1M USD · Net income −320.4M USD · Net margin −85.0%
  5. Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Revenue 421.5M USD · Net income −300.7M USD · Net margin −71.4%
  6. Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Revenue 503.1M USD · Net income 498.7M USD · Net margin 99.1%
  7. Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 619.4M USD · Net income 481.3M USD · Net margin 77.7%

Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 619.4M USD · Net income 481.3M USD · Net margin 77.7%

Key figures with traffic lights

Each light follows a simple, disclosed rule. The comparison is with the sector median of all 79 symbols in the Financials sector on our list (current members of the S&P 500 and other lists).

Revenue growth

Light green: above sector

+43.1% per year, last 5 years

Sector Financials: median +8.8% (73 symbols)

What does this mean? Revenue: over 5 years it grew by 43.1% per year on average – at least as fast as the median company in the sector (+8.8%).

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net income (total)

Light gray: not computable

– per year, last 5 years

Sector Financials: median +13.8% (71 symbols)

per share: not computable (loss in the first or last year)

What does this mean? There was a loss in the first or last year. An annual growth rate cannot be calculated meaningfully then.

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net margin

Light green: above sector

77.7% last fiscal year

Sector Financials: median 19.4% (75 symbols)

What does this mean? Of every 100 USD in revenue, 77.71 USD remained as profit – at least as much as the median company in the sector (19.4%). Five years ago the margin was −216.8%.

Light rule: Green: at least the sector median (without a sector comparison: profit) · Yellow: profit, but below the median · Red: loss.

Debt / equity

Light gray: not available

– latest balance sheet

Sector Financials: median 0.63 (47 symbols)

What does this mean? No usable figure: reported financial debt or positive equity for the same balance sheet date is missing.

Light rule: Green: at most the sector median · Yellow: up to twice the median · Red: more than twice · Gray: without a sector comparison.

Payout ratio

Light green: covered

0% Dividend / earnings per share

Sector Financials: median 34% (58 symbols)

What does this mean? Of every 1 USD of earnings per share, 0.00 USD went to shareholders as a dividend. The rest stays in the company. Median company in the sector: 34%.

Light rule: Green: up to 60% of earnings · Yellow: up to 100% · Red: more than earnings or a dividend despite a loss · Gray for real estate (REITs). The sector median is for comparison only.

Profitable years

Light red: 5 loss years

2 of 7 fiscal years with a profit

What does this mean? In 2 of the last 7 fiscal years the bottom line showed a profit. 5 years ended with a loss.

Light rule: Green: profit in every year · Yellow: one loss year · Red: several loss years (at least 3 years needed).

Last fiscal year and 13F

Information, not a trading signal · Source: SEC EDGAR
Revenue (FY)
619.4M USD
Revenue vs. prior year
+23.1%
Net income (FY)
481.3M USD
Net income vs. prior year
−3.5%
EPS (FY)
0.39 USD
13F funds with a position
–
Funds vs. prior quarter
–
Shares held vs. prior quarter
–
Fiscal year to Dec 31, 2025 · 10-K filed Feb 17, 2026 · Price-based figures (P/E, P/S, dividend yield, market cap) only when logged in. · Values as first reported; debt = reported financial debt (US GAAP: long-term). 13F: reporting date Jun 30, 2026, 9 tracked funds have filed (latest Aug 14, 2026), filed with up to 45 days of delay. Stock positions only; comparison with Mar 31, 2026 only across funds that filed for both quarters.
All figures as a table
Fiscal years (amounts in USD, per share in USD)
YearEndRevenueNet income MarginEarnings per shareDividend per sharePayout
2025Dec 31, 2025 619.4M481.3M 77.7% 0.39 0.00 0%
2024Dec 31, 2024 503.1M498.7M 99.1% 0.39 0.00 0%
2023Dec 31, 2023 421.5M−300.7M −71.4% −0.36 0.00 –
2022Dec 31, 2022 377.1M−320.4M −85.0% −0.40 0.00 –
2021Dec 31, 2021 247.7M−483.9M −195.4% −1.00 – –
2020Dec 31, 2020 103.3M−224.1M −216.8% −4.30 – –
2019Dec 31, 2019 4.5M−239.7M −5,303.0% −4.02 – –
Quarters (amounts in USD, per share in USD)
QuarterEndRevenueNet income MarginEarnings per shareDividend per sharePayout
Q2/26Jun 30, 2026 153.6M156.6M 102.0% 0.12 – –
Q1/26Mar 31, 2026 129.5M166.7M 128.7% 0.12 0.00 0%
Q4/25*Dec 31, 2025 170.3M173.5M 101.9% – 0.00 –
Q3/25Sep 30, 2025 156.8M139.4M 88.9% 0.11 – –
Q2/25Jun 30, 2025 151.9M97.3M 64.0% 0.08 – –
Q1/25Mar 31, 2025 140.4M71.1M 50.7% 0.06 0.00 0%
Q4/24*Dec 31, 2024 135.5M332.5M 245.4% – 0.00 –
Q3/24Sep 30, 2024 131.2M60.7M 46.3% 0.05 – –
Q2/24Jun 30, 2024 120.8M17.4M 14.4% 0.01 – –
Q1/24Mar 31, 2024 115.6M88.0M 76.2% 0.02 0.00 0%
Q4/23*Dec 31, 2023 116.3M47.9M 41.2% – 0.00 –
Q3/23Sep 30, 2023 104.9M−266.7M −254.1% −0.29 – –

* Q4 derived: fiscal year minus the 9-month value (EPS cannot be derived this way); may be distorted by restatements.

How we calculate: values as first reported to the SEC (later corrections are left out), a fixed order of reporting tags per figure, partial sums are never added up. Growth per year over 5 years (otherwise 3 years). Quarters are labeled by the calendar quarter in which they end.

Insiders

All insider transactions
Insider purchases and sales on the market over 3, 6 and 12 months
PeriodPurchasesSalesNet
3 months $00 people $852.6K2 people −$852.6K
6 months $749.3K1 person $3.2M3 people −$2.5M
12 months $2.5M3 people $11.7M5 people −$9.2M

Latest transactions

  • Oct 20, 2026 Keough Kelli Officer Open-market sale · 10b5-1 plan 10,203 shares · $150.2K · SEC
  • Sep 21, 2026 Keough Kelli Officer Open-market sale · 10b5-1 plan 10,203 shares · $173.3K · SEC
  • Sep 21, 2026 Rishel Jeremy Officer Open-market sale · 10b5-1 plan 18,624 shares · $325.9K · SEC
  • Aug 20, 2026 Keough Kelli Officer Open-market sale · 10b5-1 plan 11,286 shares · $203.2K · SEC
  • Jul 20, 2026 Keough Kelli Officer Open-market sale · 10b5-1 plan 10,954 shares · $188.3K · SEC
  • Jun 22, 2026 Keough Kelli Officer Open-market sale · 10b5-1 plan 10,954 shares · $190.1K · SEC

Source: mandatory filings with the SEC (Form 4), open-market purchases and sales only. General information, not investment advice.

Trend score -55

Price vs. EMA 50+15
Price vs. EMA 200-15
EMA 50 vs. EMA 200-20
ADX (trend strength)+0
Highs and lows-20
Relative strength-15

Volatility and trend strength

ADX 14 (trend strength)24.4
Rel. strength 60 d−10.0%

ATR and moving averages as price values only when logged in.

More stocks from Financials

All symbols in this sector

News

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Posts

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Set alert: SOFI

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