SoFi Technologies, Inc. SOFI
Weak Fintech sector · Digital one-stop bank for younger customers — lending, investing and a banking charter.
SoFi Technologies, Inc. (SOFI) is an established Fintech company, graded Weak on FrontierLab's evidence-based quality rubric (data as of 2026-10-05). Revenue grew 34.2% year-over-year at a 76.5% gross margin. Gross-profits-to-assets is 0.07; Rule of 40 is 47.4. Net share issuance 14.2% YoY (heavy issuance). 2 risk flags are noted below. Analyst mix: 14 buy / 13 hold / 4 sell. Track record: 35% of Weak-graded names beat the S&P over 63 sessions (95% CI 18–57%, N=20). Median excess vs the S&P was -13%.
These sentences are generated from the day's data by deterministic templates.
Key quality signals
| Revenue growth (YoY) | 34.2% |
|---|---|
| Gross margin | 76.5% |
| Gross profits / assets | 0.07 |
| Rule of 40 | 47.4 |
| Net margin | 13.2% |
| Cash runway (months) | 18.8 |
| PEG | — |
| Price / sales | 3.6 |
Quality checklist
Each line is one quality test behind the grade — ✓ passed · ~ borderline · ✗ failed. Hover a metric in the tables below for what it means.
- ✓ Revenue growth — 34.2% (pass ≥ 20%)
- ✗ Gross profits / assets — 0.07 (pass ≥ 0.33)
- · Rule of 40 — 47.4 (context — graded for software only)
- ✓ Gross margin — 76.5% (pass ≥ 45% · Fintech)
- ~ Cash generation
- ✗ Share dilution — 14.2%
- ~ Competitive moat — Narrow
- ✓ Market size (TAM) — Large
Grade history
Graded Weak since 2026-06-10 — no grade changes recorded yet.
How have Weak-graded names performed?
The forward returns of all Weak-graded names since each grade was recorded — the bucket this name currently sits in, not a forecast of this individual stock.
| Window | Forward record vs the S&P | Median |
|---|---|---|
| ~1 month | 32% of Weak-graded names beat the S&P over 21 sessions (95% CI 15–54%, N=19). | Median excess vs the S&P was -3%. |
| ~3 months | 35% of Weak-graded names beat the S&P over 63 sessions (95% CI 18–57%, N=20). | Median excess vs the S&P was -13%. |
| ~6 months | building — 46 more sessions needed | |
How have this name's flags scored?
| Flag | N | Mean excess vs S&P |
|---|---|---|
| Heavy dilution (~14%/yr) — top-decile share issuers have historically underperformed. | sample still too small to report (need ≥ 8) | |
| Hyper-expansion — assets up ~48% in a year; aggressive expanders have historically lagged. | sample still too small to report (need ≥ 8) | |
These per-flag figures are observational — a flag firing is not a randomized assignment, so any edge can reflect what kind of names trip a flag, not the flag itself. Descriptive, not causal.
Scope: these are forward returns vs the S&P among names still covered at each horizon's end, within the curated universe — not a survivorship-clean whole-market backtest. Names later dropped from coverage are counted as attrition (not hidden), and single-session moves beyond ±300% are treated as split/data artifacts and excluded. How this is measured → · Full track record →
How it compares
Coarse same-sector, same-stage context — not a percentile or rank. GP/A is graded on its absolute level, not position.
Fundamentals
| Market cap | $20.23B |
|---|---|
| Stage | Established |
| Share issuance (YoY) | 14.2% · heavy issuance |
| Moat | Narrow |
| TAM | LARGE |
| P/E (trailing) | 32.9 |
| EPS (trailing) | $0.48 |
| Burn multiple | 0.8 |
| Gross-margin trend (pts) | 3.8 |
| Cash / assets | 0.12 |
| Accruals (%) | 10.4% |
| Net debt / EBITDA | 0.3 |
| Statements as of | Q2 FY2026 · filed 2026-08-06 |
Momentum context — describes the past, not a signal
Low reached Mar 30, 2026 · high reached Nov 12, 2025 — by daily close.
| Price | $15.77 (as of 2026-10-02) |
|---|---|
| Last session move | — |
| % off 52-wk high | -51.8% |
| RSI (14) | 36 |
| Relative volume | 1.1× |
Risk flags
Positive signals
Insider activity (90 days)
| Cluster buyers | 0 |
|---|---|
| Sellers | 2 |
Insider selling is routine diversification, not a bearish signal.
Analyst mix
| Strong buy | 6 |
|---|---|
| Buy | 8 |
| Hold | 13 |
| Sell | 3 |
| Strong sell | 1 |
Ratings are context, not a price target. "Momentum" = how the mix changed over recent weeks, not a forecast.
From the headlines
SoFi down 43% in 2026; stablecoin portfolio shift and valuation debate ongoing.
- SoFi’s US$25 Billion Card Portfolio Shift To Bank-Issued Stablecoin Might Change The Case For Investing In SoFi Technologies (SOFI)
- SoFi Stock: Why the Opportunity May Be Too Good to Ignore
- SoFi Stock Is Down 43% in 2026. Should You Buy the Dip Before November?
AI take — daily, AI-generated
AI leans mixed
Strong growth (34.2%) and margins (76.5%) are offset by weak profitability (GP/A 0.07), rising dilution, and a 43% YTD decline signaling valuation reset; the stablecoin pivot is unproven.
Generated by an AI model from the day's news — an opinion for context only. Not financial advice, not a recommendation, and not a price target.
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Data as of 2026-10-05 08:19 (end-of-day). How grades are computed →