SoFi Technologies Inc (SOFI)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
$17.38+3.64%
Close 2026-11-04 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
QuarterlyIQ Insights · SOFI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 2.8% |
| Our one-year growth estimate | diamond | 8.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 5.6 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 21 industry peers · Company calendar date is not available
SOFI — earnings in line
Dated 2026-10-27
is furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to liabilities under that section, and shall not be deemed to be incorporated by reference into the filings of the Company under the Securities Act of 1933, as amended, or the Exchange Act, regardless of any general incorporation language in such filings.
Why it matters: Q3 revenue per product was $90, below $104 a year earlier. A rise would show that product growth is earning more per product.
Supportive ifA later quarter shows more than $90 in Financial Services revenue per product.
Worry ifA later quarter shows less than $90 in Financial Services revenue per product.
Why it matters: SoFi Plus had over 200,000 paid subscribers in Q2. One in four added another product after joining.
Supportive ifA later report shows paid SoFi Plus subscribers above 200,000 and at least 25% adding another product.
Worry ifPaid subscribers fall below 200,000, or fewer than 25% add another product.
Why it matters: SoFi raised its 2026 adjusted revenue goal to $5.04 billion. Q4 results will show if recent growth can deliver that total.
Supportive ifQ4 results bring full-year adjusted net revenue to at least $5.04 billion.
Worry ifQ4 results leave full-year adjusted net revenue below $5.04 billion.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$173 on $10,000 · ±1.7% | How much price usually moves either way. |
| Bad day | $622 loss on $10,000 · 6.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $5,585 loss on $10,000 · 55.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.