SOFI · SoFi Technologies Inc
Price
Snapshot
50 fields · last close| Market Cap | $21.91B |
| P/E | 34.43 |
| Float | 1.27B |
| Beta | 2.30 |
| Volatility | 57.4% |
| Exchange | NASDAQ |
| Sector | Financial Services |
| Cap tier | Large cap |
| Macro sensitivity | Very High |
| Clavix score | 50 |
| Price | 17.00 |
| Change | +0.24% |
| Prev Close | 16.96 |
| Open | 16.83 |
| Day Low | 16.66 |
| Day High | 17.06 |
| Avg Vol | 38 |
| Avg $ Vol | $637.3M |
| 52W High | 32.73 |
| 52W Low | 14.88 |
| 52W Pos | 11.9% |
| From High | −48.06% |
| From Low | +14.25% |
| Max DD 1Y | −52.96% |
| Spread | 0.10% |
| Liquidity | Deep |
| SMA 20 | −4.72% |
| SMA 50 | −4.04% |
| SMA 200 | −12.89% |
| RSI (14) | 43.8 |
| Vol 30D | 46.1% |
| Vol 90D | 54.2% |
| 1Y Range | 15–33 |
| Daily bars | 516 |
| Perf Week | −2.08% |
| Perf Month | −7.93% |
| Perf Quarter | −5.30% |
| Perf Half Y | −0.70% |
| Perf Year | −37.51% |
| Perf YTD | −38.09% |
| Prev Day | +0.24% |
| Clavix | D+ |
| Debt / Eq | 0.17 |
| Curr Ratio | — |
| Int Cover | — |
| FCF Margin | 26.1% |
| Rev Growth | +184.9% |
| Profit | Unprofitable |
| Leverage | Low |
| Sector rank | 64 / 69 |
Clavix risk grade
regraded every trading daySOFI grades D+, 50 of 100. Steadiest on News Sentiment (54), most exposed on Macro Resilience (25, weak). 0 of the 4 weighted dimensions sit above the Financial Services median. Ranks 64 of 69 in Financial Services by Clavix score.
How rough the ride is
| SOFI | Financial Services median | |
|---|---|---|
| Betavs the overall market · lower is steadier | 2.30 | 1.21 |
| Volatilityannualized | 57.4% | 30.2% |
| Max drawdown, past yearworst peak-to-trough fall | −53.0% | — |
| Typical daily movemedian absolute daily change | 2.32% | — |
| Days beyond ±3%of the last 252 sessions | 9437% | — |
How its days are spread
Daily returns over the last 252 sessions in 1% bins. Moves beyond ±6% land in the end bins.
52-week range
The bar runs from the lowest to the highest close of the last 252 sessions; the marker is the latest close.
Drawdown from the 1-year peak
Percent below the running high over the last 12 months. Zero is a fresh high.
Market sensitivity
| SOFI | Financial Services median | |
|---|---|---|
| Beta to the markethow much it swings with the S&P 500 · lower is safer | 2.30 | 1.21 |
| Macro sensitivityrate, dollar and credit exposure bucket | Very High | Moderate40% of 70 |
Where it sits on the macro scale
Low means rates, the dollar and credit spreads barely move it. Very High means they drive a large share of its swings. The counts are how many Financial Services names sit in each bucket.
Where it ranks in its sector
Rank by Clavix score within the sector. Right is the top of the sector.
Price performance
| SOFI | |
|---|---|
| 1 week | −2.1% |
| 1 month | −7.9% |
| Year to date | −38.1% |
| 1 year | −37.5% |
Context for the rank, not itself a risk measure.
Recent coverage, scored
| SOFI | |
|---|---|
| Articles scoredthe most recent scored coverage, up to 30 | 30since 3 Sep |
| Average score0 most bearish, 100 most bullish | 70 |
| Bullish · bearisharticles above 60 · below 40 | 27 · 1 |
| Directionarticles whose tone is improving vs worsening | 27 ↑ 1 ↓ |
Where the article scores land
Each bar is a 10-point band of article scores. Below 40 reads bearish, above 60 bullish.
Balance sheet, against the sector
The shaded band is the middle half of the 70 Financial Services names Clavix covers; the tick is the sector median.
Growth
| SOFI | |
|---|---|
| Revenue growthyear over year | +184.9% |
Financial Health is shown but does not count toward the grade. Why
0–100, higher is safer. The tick on each bar is the Financial Services median. Click a dimension for the evidence behind it. Financial Health is shown but does not count toward the grade.
Recent news
most recent scored articles · the chip is the article’s score · click to openSoFi Technologies received a bank charter and grew its deposits to $46 billion.
The article compares three fintech lenders, Upstart, Affirm, and SoFi, that serve similar borrowers, noting that only SoFi has a bank charter allowing it to fund loans with customer deposits rather than paying fees to a partner bank. Without a charter, lenders like Upstart and Affirm must share interest income with the third-party banks that actually fund the loans, which reduces their profits.
SoFi received a bank charter in 2022, one of the first fintechs to do so, which now lets it accept customer deposits and use them to fund its loans. The article compares SoFi to Upstart and Affirm and points out that SoFi is the only one of the three that funds its lending with deposits.
SOFI's cross-buy rate climbed to 51%, meaning more than half of members use more than one of its products, alongside record member and product growth. The company says this is boosting engagement and spreading income across more of its offerings.
SOFI's cross-buy rate, the share of members using more than one of its products, climbed to 51%, alongside record member and product growth.
Nearest peers by size
Financial Services| Ticker | Company | Grade | Mkt cap | P/E | Beta | |
|---|---|---|---|---|---|---|
| TROW | T Rowe Price Group Inc | A- | $22.22B | 10.00 | 1.47 | Compare |
| GPN | Global Payments Inc | B | $22.51B | 16.08 | 0.89 | Compare |
| AFRM | Affirm Holdings Inc | C- | $24.03B | 12.45 | 3.80 | Compare |
| TW | Tradeweb Markets Inc | B+ | $24.33B | 27.12 | 0.59 | Compare |
| SYF | Synchrony Financial | B+ | $24.42B | 6.94 | 1.43 | Compare |
| FISV | Fiserv Inc | B | $25.09B | 8.96 | 0.87 | Compare |
| LPLA | LPL Financial Holdings Inc | B | $25.83B | 25.66 | 0.55 | Compare |
| CPAY | Corpay Inc | B+ | $26.12B | 22.89 | 0.97 | Compare |
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