SOFI
SOFI TECH (SOFI)
NASDAQ
$15.77-$0.07 (-0.47%)
Price as of Oct 02, 2026 4:28 PM EDT
  • $20.5B
    Market Cap
  • -39.01%
    1-Year Change
  • Credit Services
    Industry

Key Performance

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  • Earnings Score: N/A
  • Momentum Score: 31
  • True Yield: N/A
  • Financial Health Score: N/A
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Latest Research & News

10 Top Stocks I'd Buy Right Now

Following the Federal Reserve's first rate increase in three years, Matt Frankel presents a curated list of 10 stocks to buy now, featuring a mix of safe compounders, dividend payers, and higher-upside growth names suitable for various investor types.

10/02/2026, 2:22 PM • The Motley Fool

1 Reason Now Is a Great Time to Buy SoFi Technologies Stock

SoFi Technologies stock has declined 39% in 2026 and trades 50% below its peak, but the article argues this presents a buying opportunity. The fintech company demonstrates impressive growth with 41% revenue increase and 65% net income growth year-over-year. Its deposit base has surged 1,585% since obtaining its national bank charter in 2022, reaching $45.5 billion, which fuels loan originations now at $47.9 billion. However, investors should be aware of credit risks associated with rapid lending growth and potential recession impacts on borrower defaults.

10/01/2026, 6:14 AM • The Motley Fool

Is SoFi a Buy After This 40% Drop? Here's My Honest Take

SoFi Technologies has experienced a significant 40% stock decline, prompting analysis of whether it represents a buying opportunity. The article examines the nuances behind the sell-off and provides perspective on the fintech company's investment potential, alongside updates on competing companies like Nu Holdings and Robinhood Markets.

09/25/2026, 3:15 PM • The Motley Fool

Should You Buy SoFi Stock Before Oct. 27?

SoFi stock has declined 34% year-to-date but may present a buying opportunity ahead of Q3 earnings on October 27. The fintech bank benefits from its 2022 bank charter, allowing it to take deposits and fund loans directly, resulting in 35% member growth to 15.8 million and 42% product growth. Trading at 21x forward earnings with raised revenue guidance (32-35% growth), SoFi offers improved valuation despite headwinds from higher interest rates and the loss of major client Chime. The stock could surge before earnings but may decline after results are announced.

09/24/2026, 6:05 PM • The Motley Fool

Upstart, Affirm, and SoFi All Lend to the Same Borrowers. Only One of Them Funds With Deposits.

SoFi obtained a federal bank charter in January 2022, allowing it to take deposits and fund loans internally, which has driven significant growth in deposits ($1.2B to $45.5B) and membership (3.9M to 15.8M members). Upstart received conditional approval for a bank charter in July 2026 with final approval expected in early 2027, while Affirm applied for an industrial loan bank charter in January 2026 but has not yet received approval. Bank charters are transformative for fintechs as they eliminate third-party funding fees and allow them to offer more competitive rates.

09/19/2026, 10:12 AM • The Motley Fool

3 Lessons Learned From SpaceX for Anthropic IPO Investors This October

The article examines three key lessons from SpaceX's IPO that are relevant for potential Anthropic IPO investors: (1) IPO shares typically trade at a discount to opening-day market prices, with SpaceX IPO shares at $135 versus $150+ on debut; (2) retail investor access to IPO shares depends on brokerage type and account requirements, with SpaceX reserving 30% for retail through platforms like Robinhood and SoFi; (3) newly public companies experience significant volatility, with SpaceX ranging from $108 to $225 in its first three months.

09/16/2026, 4:35 AM • The Motley Fool

I've Covered Many IPOs for The Motley Fool. Here's What Most Investors Get Wrong.

IPO stocks are often overpriced at launch due to hype, making them risky investments. Retail investors have limited access to IPO shares, which mostly go to institutional investors. The article recommends waiting for better entry points, particularly after the 180-day lockup period expires when insiders can sell, rather than buying immediately at IPO prices.

09/08/2026, 7:15 AM • The Motley Fool

Here's Why SoFi Isn't Reaching All-Time Highs After a Record Quarter

SoFi Technologies reported record-breaking Q2 earnings with strong revenue, profitability, member growth, and cross-buying metrics that exceeded expectations. However, the stock has failed to reach all-time highs, with the market expressing concern over specific guidance metrics despite the company's impressive operational performance.

09/07/2026, 6:12 AM • The Motley Fool

SoFi Raised Its Revenue Guidance and the Stock Fell 10%. Here's What the Market Missed.

SoFi Technologies reported record quarterly results with 40% revenue growth and record net income, yet the stock fell 10% due to unchanged profit guidance despite raised revenue expectations. The company is reinvesting heavily in growth initiatives, which creates uncertainty for investors despite strong operational metrics like improved cross-buy rates (35% to 51%) and membership growth.

09/05/2026, 8:07 AM • The Motley Fool

SoFi Just Posted Another Quarter of Fast Growth. What Has to Happen Next for the Stock to Follow?

SoFi Technologies reported strong Q2 2026 results with 40% year-over-year revenue growth and 65% adjusted net income growth, reaching 15.8 million customers. However, the stock has declined 30% over the past year and trades 45% below its November 2025 peak. The primary concern for investors is credit risk, particularly from rapid growth in personal loan originations ($10.7 billion in Q2, up 54% YoY), which now represent 72% of total originations. While loan performance remains solid with a 3.7% net charge-off rate, continued strong quarterly results are needed to restore investor confidence.

09/03/2026, 7:30 AM • The Motley Fool

SoFi Stock: Why This "Fintech" Needs to Start Performing Like a Real Bank

SoFi Technologies faces scrutiny over whether it operates as a true bank or merely a fintech in digital clothing. The company's low 1.5 products per customer, high marketing costs, and customer acquisition economics raise questions about its bank-like performance. Investors should evaluate SoFi using traditional banking metrics including deposit costs, cross-sell rates, and net interest margin.

08/29/2026, 2:27 PM • The Motley Fool

Jensen Huang Told Investors to "Buy at a Discount" on June 8. History Says This Is How Often CEOs Who Publicly Call the Bottom Are Actually Right.

Nvidia CEO Jensen Huang urged investors to buy the stock at a discount on June 8, but the stock has remained essentially flat since then. The article examines whether CEO endorsements to buy their own stock are reliable predictors of future performance, citing mixed historical results from CEOs like Jamie Dimon, Elon Musk, and others. Nvidia is expected to report strong Q2 earnings with 97% revenue growth, positioning the stock for potential gains.

08/24/2026, 11:33 PM • The Motley Fool

Why I'm Watching SoFi as a Financials Pick I Don't Own Yet

SoFi Technologies has declined over 30% this year despite strong Q2 results showing 40% revenue growth and 35% member growth. The stock's valuation has improved from 75x to 38x earnings, making it more attractive on a forward basis at 17x 2028 earnings estimates. The analyst is interested but waiting for a target entry price of $15 per share, planning to use put options to potentially achieve this.

08/19/2026, 11:15 AM • The Motley Fool

SoFi Technologies Just Reported Earnings. Here's the One Number That Matters Most for the Next Year.

SoFi Technologies reported strong Q2 earnings with adjusted net income surging 65% year-over-year to $160 million and added 1.1 million customers, bringing the total to 15.8 million. The company projects 40% annualized EPS growth from 2025-2028. However, despite strong fundamentals, the stock trades at a 30x forward P/E ratio and is down 39% from its peak, underperforming the S&P 500 by 44% in 2026.

08/19/2026, 7:15 AM • The Motley Fool

SoFi Stock Analysis: Buy the Dip?

SoFi Technologies reported quarterly financial results that disappointed the stock market and investors, causing the stock to fall. Despite positive developments like 80% growth in tangible book value and 51% of new products going to existing members (up from 35% a year ago), the stock declined 9% on the news. The article examines whether this represents a buying opportunity.

07/31/2026, 11:22 PM • The Motley Fool

Peers

Statistics

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Day Range
$15.53
$16.03
$15.84
1-Year Range
$15.15
$32.21
$15.84
Latest Close$15.84
Change
+$0.12 (+0.76%)
Volume37,332,539
Market Cap$20.5B
Shares Outstanding1.3B
P/E (TTM)33.40
Diluted EPS (TTM)$0.47
Enterprise Value$20.6B

Information as of 10/01/2026

Company Profile

SOFI TECHNOLOGIES INC
SOFI TECHNOLOGIES INC
https://www.sofi.com
$20.5B
Market Cap
$636.3M
Net Income
Sector: Financial Services
Industry: Credit Services
234 1st Street, San Francisco, CA, United States, 94105
855 456 7634

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.

Key Executives

  • Anthony J. Noto
  • Christopher Lapointe
  • Arun Pinto
  • Jeremy Rishel
  • Kelli Keough

Current Ownership Distribution

  • Institutions9.4B (67.79%)
  • Mutual Funds4.3B (30.92%)
  • Insiders180.3M (1.30%)
  • Other0 (0.00%)