Stock Ratings / Financials / SOFI / options

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SoFi Technologies Inc. (SOFI) Options Positioning, Max Pain & Unusual Sweeps

$16.76 -4.83% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $16.58

SoFi Technologies Inc. (SOFI) carries a Roarable Rating of E (Strong Sell) with 33/100 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 (33/100 · E) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE E • RED ALERT Cap $22.74B

📤 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 2026-11-02, SoFi Technologies Inc. (NASDAQ: SOFI) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 33/100 at a spot price of $16.76 (-4.83% 1D, market cap $22.74B). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 13/20, 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 SYF and EFX in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), SOFI carries a Roarable E (33/100 RQD), trailing P/E of 47.3x, gross margin of —, and ROIC of 2.1%. By comparison, SYF (Synchrony Financial) holds a B grade (72/100 RQD, P/E 6.7x, ROIC 7.6%, cap $23.97B) and EFX (Equifax Inc.) posts a B- grade (70/100 RQD, P/E 31.8x, ROIC 10.2%, cap $20.99B). 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: $16.58 (-1.06%)🧬 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 (33/100 · E) historically underperformed SPY in 71% of rolling 90-day windows (-8.9% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • E

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-

Each axis scored 0–20

12M PRICE TARGET CONE-11.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SOFI)Realized 20D OHLCV Swing Band: ±9.1%

Deterministic 5-Pillar Attribution (33/100 Composite)

🔍 WHY SOFI SCORES 33/100 (E) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+13/20 pts (39% of score)

20D Institutional Volume Accumulation (±9.1% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (30% 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)

Grade E$15.24-3.7% Next Q

Q2 (-2Q)

Grade E$14.68+11.7% Next Q

Q3 (-1Q)

Grade E$16.40+2.2% Next Q

Current

Grade E$16.76-8.9% Hist 90D α

Trajectory: E (25) → E (33)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 33/100 (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 ($16.54) and Max Pain ($17.60) 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 33%NO 67%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±9.1%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (SOFI)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for SOFI.

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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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SOFI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.46%▼ DESCENDING CHANNEL

2026-11-02O $17.14H $17.61L $16.76C $16.76VOL 65.40M

RES: $19.18SUP: $13.62SMA50: $16.54SMA200: $17.70

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 ⚔️ SYF vs SOFI Full Matrix →

1. Head-to-Head Financials Peer Comparison (SOFI vs. SYF, EFX, 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 (33/100, grade E) and #112 by equity capitalization ($22.74B). 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. SYF currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with SOFI at 33/100 (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	33/100	47.3x	—	2.1%	-4.83%	$22.74B	Benchmark Subject
SYF Synchrony Financial	B	72/100	6.7x	—	7.6%	-2.10%	$23.97B	/syf-vs-sofi →
EFX Equifax Inc.	B-	70/100	31.8x	—	10.2%	+2.90%	$20.99B	/efx-vs-sofi →
AFRM Affirm Holdings Inc.	C-	60/100	—	—	-1.2%	-1.83%	$25.36B	/afrm-vs-sofi →
CRCL Circle Internet Group Inc.	D	47/100	—	—	-0.2%	-9.31%	$20.31B	/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?

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

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

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

SOFI last traded at $16.76 (-4.83% on volume of 64,306,150 shares), positioning the stock +1.33% above its 50-day simple moving average ($16.54) and -5.31% below its 200-day simple moving average ($17.70). Across its 52-week range of $13.86 to $32.73, SOFI sits at the 15.4% percentile with a 14-day RSI of 62.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±9.1% ($15.23 to $18.29).

SOFI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is SOFI's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for SOFI.

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 33/100 (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

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, 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.

Snapshot

Price	Market Cap	P/E (TTM)	Forward P/E	EV/EBITDA	EPS (TTM)	Dividend Yield	Beta	52-Wk Range	ROIC %
$17.61	$22.74B	47.3	39.7	56.8	0.37	0%	1.13	$13.86 - $32.73	2.1%

Business

SoFi Technologies Inc. is a NASDAQ-listed issuer in the Financials sector, operating in the Finance: Consumer Services industry. Per the profile, it carries a market capitalization of $22.7B. Source data does not describe specific products, customer segments, or revenue-generation mechanics beyond the sector and industry classification.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$619.4M	$568.0M	$481.3M	N/A	$-3770.3M	$4929.5M	$18076.9M
FY 2024	$503.1M	$588.4M	$498.7M	N/A	$-1142.4M	$2538.3M	$13376.6M
FY 2023	$421.5M	$-354.9M	$-300.7M	N/A	$-7246.1M	N/A	$2927.2M

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%. Per the Roarable RQD rating, 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 $2927.2M (FY 2023) to $18076.9M (FY 2025).

Recent Catalysts & News Wire Analysis

Per the recent news feed, the most prominent headlines (all relatedSymbol SOFI) describe a third-quarter 2026 report with net revenue of $1.4 billion, net income of $241 million, and raised full-year guidance (SoFi Investor Relations, flagged CATALYST). Barron's characterizes the quarter as another beat-and-raise result (flagged CATALYST). Yahoo Finance, WSJ, Investopedia, and CNBC report a share-price rally following earnings and a raised outlook (flagged MARKET WIRE).

Risk watch items: the news feed's headlines describe the rally, but source data does not provide the reasons behind the stock's price action beyond these headlines. The Butterfly Supply-Chain Graph reports no proprietary signals or links.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, supply chain is listed as NONE and no butterfly links are provided. Source data does not identify upstream suppliers, downstream customers, or sector correlations. Second-order bottlenecks cannot be mapped from the provided sources.

Open Questions

What drives the gap between reported net income (FY 2025: $481.3M) and the negative free cash flow (FY 2025: $-3770.3M) that the rating's FCF yield reflects?
What is the composition of the debt increase from $2927.2M (FY 2023) to $18076.9M (FY 2025), and what portion is operational versus financing-related?
Why are FY EPS figures reported as N/A despite positive net income in FY 2024 and FY 2025?
What explains the difference between the reported 75% operating margin and the 0% gross margin, given the absence of cost-of-revenue detail?
Which specific institutional holders and insider transactions underlie the rating's 13/20 whale-flow and 3/20 insider pillars?

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) ↓

🟢 CATALYST SoFi Investor Relations • 5h ago

SoFi Reports Third Quarter 2026 with Record Net Revenue of $1.4 Billion, Net Income of $241 Million and Raises Full-Year Guidance

SoFi Investor Relations report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Barron's • 8h ago

SoFi Posts Another Beat-and-Raise Quarter. Earnings May Quiet the Skeptics.

Barron's report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 11h ago

SOFI Stock Rallies 13% After Earnings: Should You Buy or Hold?

Yahoo Finance report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE WSJ • 14h ago

SoFi Lifts Outlook After Memberships and Lending Grow

WSJ report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Investopedia • 17h ago

SoFi Says It Had an ‘Exceptional’ Quarter. The Stock Is Surging

Investopedia report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE CNBC • 20h ago

Stocks making the biggest moves midday: SoFi Technologies, Pentair, Royal Caribbean, JetBlue & more

CNBC report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 23h ago

Should You Buy, Hold or Sell SOFI Stock Before Q3 Earnings?

Yahoo Finance report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Barron's • 1d ago

SoFi Technologies Stock Is a Buy After Blockbuster Quarter, Analysts Say

Barron's report covering SoFi Technologies Inc. (SOFI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SOFI Bull vs. Bear Conversation Board — What's Your Call at $16.76?

🐂 33% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SOFI 🐻 67% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐻 BEARISH 🎯 Target: $15.50 (-12.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is SOFI (E • RQD 33/100) a Buy at $17.61?

Welcome to the SOFI (SoFi Technologies Inc.) Roar Pit. Current RQD Composite is 33/100 (Roarable Strong Sell — Forensic Risk / Avoid) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (47.3x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $14.26 (-19.0%)

Spot @ $17.61

Pump the brakes on SOFI — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on SOFI, but look at what you are paying: 47.3x trailing P/E with tightening sector spreads. Unless SoFi Technologies Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

AL AlphaFlow_Cap Verified K Arena Trader 🐂 BULLISH 🎯 Target: $22.36 (+27.0%)

Spot @ $17.61

SOFI cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on SOFI, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $17.61 (52-wk range $13.86 - $32.73), any beat on forward guidance forces shorts and underweight funds to chase.