SOFI 2026-01-12
Financial Report
Earnings Data Summary for SOFI as of 2026-01-12
Most recent EPS (Actual): 0.10
Most recent EPS (Consensus): 0.08
Most recent EPS reported date: 2025-10-28
Most recent EPS fiscal date (quarterly): 2025-09-30
Historical Average EPS (last 8 quarters): 0.03
In the past 8 quarters, the company missed earnings estimates 0 times.
Historical High EPS (last 8 quarters): 0.09
Historical Low EPS (last 8 quarters): -0.03
Upcoming earnings date: 2026-01-30
Valuation Data Summary for SOFI as of 2026-01-12
Current P/E for SOFI: 91.41
1 year P/E range: 68.72 - 120.23
2 years P/E range: -146.0 - 330.5
5 years P/E range: -146.0 - 330.5
Management Sentiment Summary for SOFI in 2025Q3 earnings call:
The following is the average sentiment score for each management title:
The lower the score, the more negative the sentiment. The higher the score, the more positive the sentiment. 0.5 is neutral.
| Title | Sentiment Score |
|---|---|
| CFO | 0.66 |
| CEO | 0.78 |
Insider transactions for SOFI in the last 90 days:
Total Amount Traded is negative for total net sale of shares. Positive for total net purchase of shares.
| Date | Total Amount Traded | Avg. Traded Price | Transaction Type | Remaining Shares |
|---|---|---|---|---|
| 2025-12-23 | -9.5K | $27.14 | Sell | 312.9K |
| 2025-12-17 | -91.8K | $26.64 | Sell | 794.6K |
Technical Report
Price Distribution for SOFI
25th percentile in the past 20 days: 26.57
Lowest price in the past 20 days: 25.17
Price with moderate low (closest to -0.5) z-score in the past 20 days: 26.2
Price with low (closest to -1.0) z-score in the past 20 days: 25.79
Price below mean by one standard deviation: 25.82
Price below mean by two standard deviations: 25.21
Price Range for SOFI
SOFI current price: $27.4
5-Day Range: $26.03 - $29.86
50-Day Range: $23.52 - $32.73
200-Day Range: $8.60 - $32.73
Technical Indicators Summary for SOFI as of 2026-01-12
MACD values for SOFI in the past 14 days:
| Date | macd | signal | histogram |
|---|---|---|---|
| 2026-01-09 | -0.05 | -0.16 | 0.11 |
| 2026-01-08 | -0.06 | -0.19 | 0.12 |
| 2026-01-07 | -0.11 | -0.22 | 0.11 |
| 2026-01-06 | -0.10 | -0.25 | 0.15 |
| 2026-01-05 | -0.08 | -0.28 | 0.21 |
| 2026-01-02 | -0.29 | -0.34 | 0.05 |
| 2025-12-31 | -0.36 | -0.35 | -0.01 |
| 2025-12-30 | -0.32 | -0.34 | 0.02 |
| 2025-12-29 | -0.30 | -0.35 | 0.05 |
| 2025-12-26 | -0.30 | -0.36 | 0.06 |
EMA values for SOFI with a window of 50 days:
| Date | Value |
|---|---|
| 2026-01-09 | 27.39 |
| 2026-01-08 | 27.39 |
| 2026-01-07 | 27.38 |
| 2026-01-06 | 27.39 |
| 2026-01-05 | 27.41 |
| 2026-01-02 | 27.33 |
| 2025-12-31 | 27.33 |
| 2025-12-30 | 27.37 |
| 2025-12-29 | 27.41 |
| 2025-12-26 | 27.43 |
EMA values for SOFI with a window of 200 days:
| Date | Value |
|---|---|
| 2026-01-09 | 23.01 |
| 2026-01-08 | 22.96 |
| 2026-01-07 | 22.91 |
| 2026-01-06 | 22.87 |
| 2026-01-05 | 22.83 |
| 2026-01-02 | 22.77 |
| 2025-12-31 | 22.72 |
| 2025-12-30 | 22.68 |
| 2025-12-29 | 22.65 |
| 2025-12-26 | 22.60 |
RSI values for SOFI in the past 14 days:
| Date | Value |
|---|---|
| 2026-01-09 | 50.06 |
| 2026-01-08 | 51.58 |
| 2026-01-07 | 48.29 |
| 2026-01-06 | 48.20 |
| 2026-01-05 | 59.32 |
| 2026-01-02 | 51.02 |
| 2025-12-31 | 43.48 |
| 2025-12-30 | 45.41 |
| 2025-12-29 | 46.72 |
| 2025-12-26 | 47.96 |
Money Flow Index (MFI) for SOFI over the last 10 trading days:
Latest MFI: 45.3
| Date | Typical Price | Money Flow Ratio | MFI |
|---|---|---|---|
| 2026-01-09 | 27.67 | 0.83 | 45.30 |
| 2026-01-08 | 27.45 | 0.72 | 41.84 |
| 2026-01-07 | 26.85 | 0.49 | 32.80 |
| 2026-01-06 | 27.44 | 0.71 | 41.49 |
| 2026-01-05 | 28.91 | 1.65 | 62.25 |
| 2026-01-02 | 26.92 | 1.40 | 58.29 |
| 2025-12-31 | 26.38 | 0.75 | 42.72 |
| 2025-12-30 | 26.75 | 0.71 | 41.45 |
| 2025-12-29 | 26.99 | 0.64 | 39.03 |
| 2025-12-26 | 27.22 | 1.01 | 50.36 |
Bollinger lower and higher band for SOFI, calculated for the past 20 days
Number of Standard Deviations: 2
Latest Close: 27.4
Latest SMA: 27.0
Latest Bollinger Lower Band: 25.37
Latest Bollinger Higher Band: 28.63
ADX for SOFI, calculated for the past 14 days
ADX: 24.23
Volume and volume ratio for SOFI:
Last 30 days average volume: 51.2M
Today's volume: 43.8M
Volume Ratio (Today / Avg Volume in the past 30 days): 0.85
Average VWAP in the past 30 days: 27.03
Support levels for SOFI (last 200 trading days):
Last Low: 15.51 on 2025-06-24 (UTC)
Last High: 32.73 on 2025-11-12 (UTC)
Fibonacci Levels: 23.6%: 27.04, 38.2%: 23.51, 50.0%: 20.66, 61.8%: 17.82, 78.6%: 13.76
Resonance Supports: No resonance supports (Fibonacci levels not within ±3% of last low).
Short interest data for SOFI in the past 5 months:
| Report Date | Short Interest | Avg Daily Volume | Days to Cover |
|---|---|---|---|
| 2025-12-15 | 118.5M | 61.4M | 1.93 |
| 2025-11-28 | 118M | 65.9M | 1.79 |
| 2025-11-14 | 116.1M | 84.5M | 1.37 |
| 2025-10-31 | 110.3M | 76.7M | 1.44 |
| 2025-10-15 | 100.3M | 82.2M | 1.22 |
| 2025-09-30 | 103.3M | 62M | 1.67 |
| 2025-09-15 | 107.6M | 59.6M | 1.81 |
| 2025-08-29 | 101.3M | 76.1M | 1.33 |
| 2025-08-15 | 105.3M | 55.9M | 1.89 |
| 2025-07-31 | 112M | 83.8M | 1.34 |
Option Chain
Monthly put options that expire on 2026-02-13:
| Strike Price | IV | Delta | Gamma | Theta | Vega | Ask Price | Bid Price |
|---|---|---|---|---|---|---|---|
| 26 | 0.65 | -0.35 | 0.07 | -0.03 | 0.03 | 1.45 | 1.30 |
| 25 | 0.66 | -0.28 | 0.06 | -0.03 | 0.03 | 1.05 | 1.02 |
| 24 | 0.66 | -0.21 | 0.05 | -0.02 | 0.02 | 0.79 | 0.62 |
| 23 | 0.69 | -0.16 | 0.04 | -0.02 | 0.02 | 0.56 | 0.51 |
| 22 | 0.71 | -0.12 | 0.03 | -0.02 | 0.02 | 0.40 | 0.35 |
| 21 | 0.73 | -0.09 | 0.03 | -0.01 | 0.01 | 0.29 | 0.23 |
| 20 | 0.75 | -0.06 | 0.02 | -0.01 | 0.01 | 0.19 | 0.15 |
| 19 | 0.81 | -0.05 | 0.02 | -0.01 | 0.01 | 0.24 | 0.05 |
Weekly put options that expire on 2026-01-23:
| Strike Price | IV | Delta | Gamma | Theta | Vega | Ask Price | Bid Price |
|---|---|---|---|---|---|---|---|
| 26 | 0.56 | -0.27 | 0.12 | -0.04 | 0.02 | 0.48 | 0.46 |
| 25 | 0.58 | -0.16 | 0.09 | -0.03 | 0.01 | 0.26 | 0.25 |
| 24 | 0.63 | -0.10 | 0.06 | -0.02 | 0.01 | 0.15 | 0.14 |
| 23 | 0.68 | -0.06 | 0.04 | -0.02 | 0.01 | 0.09 | 0.08 |
| 22 | 0.74 | -0.04 | 0.02 | -0.01 | 0.00 | 0.06 | 0.05 |
| 21 | 0.86 | -0.03 | 0.02 | -0.01 | 0.00 | 0.06 | 0.04 |
| 20 | 0.88 | -0.02 | 0.01 | -0.01 | 0.00 | 0.03 | 0.02 |
| 19 | None | None | None | None | None | None | None |
Final Report
Recommendation: Buy
Reasoning:
- Financial: SOFI shows strong earnings momentum, with recent EPS of $0.10 beating consensus ($0.08) and no misses in the past eight quarters. Historical EPS has improved from a low of -$0.03 to a high of $0.09, indicating a positive trend. However, the P/E ratio of 91.41 is extremely high, suggesting the stock is priced for perfection. Management sentiment is positive (CEO 0.78, CFO 0.66), but insider selling in December ($9.5K and $91.8K) raises a minor caution flag. Upcoming earnings on Jan 30, 2026, will be critical for validating growth expectations.
- Technical: The stock is trading at $27.4, near the middle of its 5-day range ($26.03–$29.86) and below the 50-day EMA (~$27.39). Key support levels include the Bollinger lower band ($25.37), the 200-day EMA ($23.01), and Fibonacci 38.2% level ($23.51). RSI (50.06) and MFI (45.3) are neutral, while MACD histogram is positive but weak. Volume is below average (ratio 0.85), indicating lack of conviction. Short interest is elevated (118.5M shares, 1.93 days to cover), which could fuel a squeeze on positive news.
- News: Sentiment is overwhelmingly positive (8 out of 10 articles), highlighting strong growth in lending/financial services, innovative products (blockchain, AI), and potential S&P 500 inclusion. Macro risks include high market valuation (Buffett Indicator 224%) and a cooling labor market, but the Fed’s accommodative stance (rate 3.7%) and positive yield curve (+0.6% spread) support a soft-landing scenario.
- Option Chain: Monthly put options show high implied volatility (65–81%), with the $26 strike having a delta of -0.35 and ask price of $1.45. This suggests traders are pricing in significant downside protection near $26, which aligns with technical support.
Strategy to Minimize Risk:
- Entry Price: Ideal buy zone: $25.50–$26.50 (near Bollinger lower band, 25-day low, and put strike support).
- Profit Targets:
- Short-term: $29.50 (8–10% gain, near recent high and upper Bollinger band).
- Long-term: $32+ (if earnings beat and S&P 500 inclusion speculation grows).
- Time Horizon: 2–4 weeks, targeting the Jan 30 earnings catalyst.
Final Notes:
- Risks: High valuation (P/E 91) leaves no room for error; a miss on Jan 30 earnings could trigger a sharp drop. Monitor support at $25.37—a break below would invalidate the buy thesis.
- Opportunities: Positive earnings could spark a short squeeze and momentum toward $30+. Use options (e.g., buying $26 puts for protection) to hedge downside.
- Overall: SOFI’s growth narrative is intact, but entry timing is crucial. Wait for a pullback to support levels to improve risk/reward.