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Stock Ratings / Financials / SOFI / earnings
EFX (71) SYF (69) AFRM (59) CRCL (44) ⌘ Pro Terminal →

SoFi Technologies Inc. (SOFI) Next Earnings Date & Expected ±9.5% Move

$16.60 -0.95% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $16.54

SoFi Technologies Inc. (SOFI) carries a Roarable Rating of E (Strong Sell) with 32/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (32/100 · E) historically underperformed SPY in 71% of rolling 90-day windows →
ROARABLE E • RED ALERT Cap $21.65B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SOFI Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SOFI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, SoFi Technologies Inc. (NASDAQ: SOFI) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 32/100 at a spot price of $16.60 (-0.95% 1D, market cap $21.65B). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 4/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, SOFI ranks #1000 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SOFI compare to EFX and SYF in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), SOFI carries a Roarable E (32/100 RQD), trailing P/E of 47.3x, gross margin of —, and ROIC of 2.1%. By comparison, EFX (Equifax Inc.) holds a B- grade (71/100 RQD, P/E 31.8x, ROIC 10.2%, cap $21.60B) and SYF (Synchrony Financial) posts a C+ grade (69/100 RQD, P/E 6.7x, ROIC 7.6%, cap $23.46B). Among the 5-stock peer group, SYF leads on earnings multiple (6.7x) while EFX leads on capital efficiency (10.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SOFI?
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Per SOFI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001818874), SoFi Technologies Inc. generated $619.4M in revenue (+23.1% YoY), $481.3M in net income, and -$3.77B in free cash flow against $50.66B in total assets and $18.08B in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $16.54 (-0.36%)🧬 Dilution Drag (+2.48% YoY Shares)⚙️ Cash Engine: 3/20 (E) • 0% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (32/100 · E) historically underperformed SPY in 71% of rolling 90-day windows (-9.2% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERRED ALERT • E
025507510032
3-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk D-
Cash (3)Whales (12)SEC (10)Macro (4)CEO (3)
Each axis scored 0–20
12M PRICE TARGET CONE-11.7% Base Target
$34 Bull$15 Base$11 Bear
📬 FREE SOFI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SOFI)Realized 20D OHLCV Swing Band: ±9.5%
Deterministic 5-Pillar Attribution (32/100 Composite)
🔍 WHY SOFI SCORES 32/100 (E) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+12/20 pts (38% of score)

20D Institutional Volume Accumulation (±9.5% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (31% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
24
Grade E$14.22+4.8% Next Q
Q2 (-2Q)
27
Grade E$14.90+15% Next Q
Q3 (-1Q)
29
Grade E$17.14-3.2% Next Q
Current
32
Grade E$16.60-9.2% Hist 90D α
Trajectory: E (24) → E (32)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a SOFI Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While SOFI currently carries a cautious 32/100 (E) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($16.49) and Max Pain ($17.43) forces dealer call-delta covering toward $34.37.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SOFI• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “SOFI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 32%NO 68%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±9.5% Swing Band

±$1.58 Expected Swing
$15.02 (-9.5%)Spot $16.60$18.18 (+9.5%)
MODEL EARNINGS SETUP GAUGE

SOFI Quantitative Pre-Earnings Setup: 32/100

Trailing EPS: $0.37 • YoY Revenue Growth: 23.1%

Model Bullish Setup (32/100)Model Risk Weight (68/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$619.4M$481.3M-$3.77B52%
FY 20242024-12-31$503.1M$498.7M-$1.14B52%
FY 20232023-12-31$421.5M-$300.7M-$7.25B52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SOFI)

  • ✓Walkthrough of SOFI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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Join Founding VIP Waitlist (No Card Required) →$100K Arena
SOFI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +2.47%▼ DESCENDING CHANNEL
2026-11-03O $17.61H $17.61L $16.60C $16.60VOL 64.31M
RES: $19.18SUP: $13.60SMA50: $16.49SMA200: $17.66
$24.42$21.56$18.70$15.83$12.97RES $19.18SUP $13.60$16.602026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SOFI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SOFI Butterfly Map → + Track SOFI →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
34.9%/yr Implied 5Y Growth

vs. +23.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SOFI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SOFI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video 💡 Share-Count Creep & Refinancing Watch: Separating Real Free Cash Flow from SBC Dilution (gideon-ashmere) 💡 Starter Kit: Forensic Dilution & Refinancing Stress Watch (gideon-ashmere)
🎬 No recent verified company-specific video clip queued for SOFI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SOFI)

Financials Rank #1000 of 1096 ⚔️ EFX vs SOFI Full Matrix →

1. Head-to-Head Financials Peer Comparison (SOFI vs. EFX, SYF, AFRM, CRCL)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, SoFi Technologies Inc. (SOFI) ranks #1000 by composite RQD confidence (32/100, grade E) and #115 by equity capitalization ($21.65B). Within this direct 5-issuer industry benchmark cohort, SYF leads on earnings valuation at 6.7x trailing P/E, while EFX leads on capital efficiency and profitability with 10.2% ROIC and — gross margin. EFX currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with SOFI at 32/100 (E).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
SOFI ACTIVE
SoFi Technologies Inc.
E 32/100 47.3x — 2.1% -0.95% $21.65B Benchmark Subject
EFX
Equifax Inc.
B- 71/100 31.8x — 10.2% +4.29% $21.60B /efx-vs-sofi →
SYF
Synchrony Financial
C+ 69/100 6.7x — 7.6% +1.95% $23.46B /syf-vs-sofi →
AFRM
Affirm Holdings Inc.
C- 59/100 — — -1.2% +0.15% $24.90B /afrm-vs-sofi →
CRCL
Circle Internet Group Inc.
D 44/100 — — -0.2% -0.63% $18.42B /crcl-vs-sofi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001818874

In its most recent audited fiscal period (FY2025, filed 2025-12-31), SoFi Technologies Inc. (SOFI) reported GAAP revenue of $619.4M (+23.1% vs. FY2024 revenue of $503.1M , and +47.0% cumulative change since FY2023) , GAAP net income of $481.3M, operating cash flow of -$3.74B, and free cash flow of -$3.77B (-230.0% YoY). On the balance sheet, SOFI closed FY2025 with $50.66B in total assets against $18.08B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $619.4M $481.3M -$3.74B -$3.77B $50.66B $18.08B
FY2024 (FY) 2024-12-31 $503.1M $498.7M -$1.12B -$1.14B $36.25B $13.38B
FY2023 (FY) 2023-12-31 $421.5M -$300.7M -$7.23B -$7.25B $12.51B $2.93B

3. SOFI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SOFI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, SoFi Technologies Inc. (NASDAQ: SOFI) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 32/100 at a spot price of $16.60 (-0.95% 1D, market cap $21.65B). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 4/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, SOFI ranks #1000 in composite RQD confidence.

How does SOFI compare to EFX and SYF in the Financials sector?

Within the Financials sector (Finance: Consumer Services), SOFI carries a Roarable E (32/100 RQD), trailing P/E of 47.3x, gross margin of —, and ROIC of 2.1%. By comparison, EFX (Equifax Inc.) holds a B- grade (71/100 RQD, P/E 31.8x, ROIC 10.2%, cap $21.60B) and SYF (Synchrony Financial) posts a C+ grade (69/100 RQD, P/E 6.7x, ROIC 7.6%, cap $23.46B). Among the 5-stock peer group, SYF leads on earnings multiple (6.7x) while EFX leads on capital efficiency (10.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SOFI?

Per SOFI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001818874), SoFi Technologies Inc. generated $619.4M in revenue (+23.1% YoY), $481.3M in net income, and -$3.77B in free cash flow against $50.66B in total assets and $18.08B in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SOFI trading relative to its 50-day, 200-day, and 52-week technical levels?

SOFI last traded at $16.60 (-0.95% on volume of 54,613,098 shares), positioning the stock +0.67% above its 50-day simple moving average ($16.49) and -6.00% below its 200-day simple moving average ($17.66). Across its 52-week range of $13.86 to $32.73, SOFI sits at the 14.5% percentile with a 14-day RSI of 54.5 (NEUTRAL RANGE) and an implied next-earnings move of ±9.5% ($15.02 to $18.18).

Direct Sub-Reports: SOFI RQD Cockpit SOFI 12M Forecast SOFI Earnings & Move SOFI Dividends & DRIP SOFI Insiders & 13F SOFI Whale Options SOFI Profit Sankey SOFI News & Why
ROARABLE RATING BRIEF • RQD 32/100 (E) ✓ STAGE-C NUMBER FIREWALL VERIFIED

SOFI — SoFi Technologies Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:08:08Z

1. Roarable Rating Brief: What This Means to a Prospective Investor

SOFI scores 33 out of 100 with a letter grade of E, labeled "Roarable Strong Sell — Forensic Risk / Avoid." The five pillars are:

  • Fundamental Cash Engine (3 / 20): The rating cites ROIC of 2.1% and FCF yield of -16.58%. This is the weakest pillar in relative terms, indicating the cash-generation case is not supported by the rating's inputs. For an investor, the implication is that the reported profitability is not translating into free cash flow on the rating's measures.
  • Whale 13F Flow (13 / 20): Institutional accumulation and options positioning contribute the strongest pillar. This is an upside-driver signal: institutional interest is present, though it does not offset the weak cash engine.
  • Insider Conviction (3 / 20): SEC Form 4 and Congressional PTR cluster flow scores low, meaning insider and congressional activity does not provide a supportive conviction signal.
  • Macro Regime Fit (4 / 20): Beta of 1.13 and sector sensitivity score low, implying the stock carries above-market sensitivity to macro conditions without a favorable regime fit per the rating.
  • Forensic Balance Sheet (10 / 20): Altman Z of 2.5, Piotroski F of 3/9, and Debt/Equity of 0.5 yield a moderate score. The Piotroski reading is a notable weakness.

Taken together, the rating frames SOFI as a stock where the valuation multiples (P/E TTM of 47.3, EV/EBITDA of 56.8) rest against weak cash-return and forensic metrics. A prospective investor would weigh the upside drivers (institutional positioning, recent reported beat-and-raise coverage) against the valuation tradeoff and the forensic and cash-flow concerns flagged by the rating.

2. Business Model, Unit Margins & SEC Financial Trajectory

SoFi Technologies Inc. Is a NASDAQ-listed issuer in the Financials sector, operating in the Finance: Consumer Services industry..7B.

Reported net income turned positive across FY 2024 and FY 2025 after a loss in FY 2023. Operating margin in the market data is listed at 75% and net margin at 68%, while gross margin is listed as 0%. ROIC is 2.1%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 3/9. Reported free cash flow is negative in all three periods, and debt has grown from $2.93B (FY 2023) to $18.08B (FY 2025).

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case: Institutional whale-flow positioning scores 13/20, the rating's strongest pillar, alongside headlines reporting a beat-and-raise quarter. With Fundamental Cash Engine at 3/20 (ROIC 2.1%, FCF yield -16.58%) and Institutional Whale Flow at 12/20, sustained execution supports upside toward the top of the $13.86 – $32.73 52-week range.
  • 🐻 Primary Bear Case: Free cash flow is negative in every reported period (FY 2025: -$3.77B) while debt rose to $18.08B, and the rating's cash engine scores only 3/20. Investors must weigh 47.3x trailing P/E and 56.8x EV/EBITDA against 75.0% operating margins and a 1.13 macro beta if sector demand softens.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Second-order bottlenecks cannot be mapped from the provided sources.

  • Key Question #1: What drives the gap between reported net income (FY 2025: $481.3M) and the negative free cash flow (FY 2025: -$3.77B) that the rating's FCF yield reflects?
  • Key Question #2: What is the composition of the debt increase from $2.93B (FY 2023) to $18.08B (FY 2025), and what portion is operational versus financing-related?
  • Key Question #3: Why are FY EPS figures reported as N/A despite positive net income in FY 2024 and FY 2025?

SOFI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for SoFi Technologies Inc. (SOFI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SOFI Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SOFI Bull vs. Bear Conversation Board — What's Your Call at $16.60?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SOFI 🐻 33% BEARISH CONVICTION
1. Pick Your Side on SOFI:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $20.45 (+22.0%)
📌 Pinned Debate

Institutional whale-flow positioning scores 13/20, the rating's strongest pillar, alongside headlines reporting a beat-and-raise quarte

Picked up a starter position in SOFI in my $100K Virtual Cash book at $16.76. Institutional whale-flow positioning scores 13/20, the rating's strongest pillar, alongside headlines reporting a beat-and-raise quarter.. Trading inside a $13.86–$32.73 52-week range with -16.58% FCF yield gives solid downside support if Finance: Consumer Services multiples expand this quarter.

RetailWhale_TX 🐂 BULL

Both sides have a point here — SOFI's 10/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

RE RedlineAuditor Accounting Quality Watch 🐻 BEARISH 🎯 Target: $14.41 (-14.0%)
Spot @ $16.76

Free cash flow is negative in every reported period (FY 2025: -$3.77B) while debt rose to $18.08B, and the rating's cash engine sco

Careful chasing SOFI at $16.76. Free cash flow is negative in every reported period (FY 2025: -$3.77B) while debt rose to $18.08B, and the rating's cash engine scores only 3/20.. Gross margin is 0.0%, but operating margin is 75.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $14.41 on multiple compression.

LIVE TAPE SPY $752.10 -1.80% QQQ $681.09 -3.60% DIA $519.34 -1.08% IWM $279.14 -1.68% NVDA $202.06 -1.26% AAPL $338.32 -1.83% MSFT $507.12 -2.83% TSLA $403.82 +1.00% PLTR $178.34 -3.13% SOFI $16.60 -0.95% IBIT $43.35 -5.42% GLD $361.65 -3.59%