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SOFI SoFi Technologies, Inc.

Financial Services

16.60 -0.16 -0.95% Close 11/2
Since 2024-12-02 +5.3%
Open
16.98
High
17.60
Low
16.57
Prev close
16.76
Volume
54.1M
Amplitude
6.15%
P/E
30.5
P/B
1.9
Revenue YoY (TTM)
+37.6%
52W 13.86 32.73

Is SoFi Technologies, Inc. a buy? Fundamentals and valuation first

As of 2026-10-30

Growth: Good, Risk / liquidity: Good; Valuation: Pricey.

Valuation Pricey Free-cash-flow yield is Average; TTM P/E is Pricey.
TTM P/E 30.47 68th percentile Pricey
Price / book 1.92 58th percentile Pricey
Free-cash-flow yield (%) -23.02 21th percentile Average
US Stock Backtest in Python: Price-to-Book Ratio StrategyQuality Factor Investing: A US Quality Value Backtest
Quality Neutral Operating margin, TTM is Good, but FCF margin, TTM is Lagging.
ROE, TTM (%) 6.53 57th percentile Good
Operating margin, TTM (%) 14.84 64th percentile Good
FCF margin, TTM (%) -81.51 15th percentile Lagging
Quality Factor Investing: A US Quality Value Backtest
Growth Good Revenue growth, TTM YoY is Top; Diluted EPS growth, TTM YoY is Good.
Revenue growth, TTM YoY (%) 37.62 84th percentile Top
Diluted EPS growth, TTM YoY (%) -0.45 55th percentile Good
Momentum Neutral All 2 indicators are Average.
60-day return (%) -7.4 48th percentile Average
240-day return (%) -39.76 21th percentile Average
Momentum Trading Strategy: A 12-1 Momentum Backtest
Risk / liquidity Good 20-day dollar volume is Top, but 60-day annualized volatility is Average.
20-day dollar volume 845,667,601 98th percentile Top
60-day annualized volatility (%) 52.25 58th percentile Average
Factor Investing Explained: 10 Classic Factors in US Stocks

SoFi Technologies, Inc. (SOFI) today

2 quant signals active · As of 2026-10-30

Win rate and excess are historical post-trigger stats vs the market. Click a signal for its full definition and samples; history does not predict future results.

FinLab Studio

From SoFi Technologies, Inc. to every stock like it

AI finds several complementary traits of SoFi Technologies, Inc. across different dimensions, combines them into a multifactor strategy, and backtests it against the market.

Screen stocks like SoFi Technologies, Inc.

SoFi Technologies, Inc. (SOFI) peers and tracking

Watchlist

This page refreshes daily after the close. Add SoFi Technologies, Inc. to your watchlist to track signal changes on your next visit.

SoFi Technologies, Inc. (SOFI) quant signal backtests

Signals active now

Each active condition is tested against this stock’s own history and benchmarked versus the S&P 500.

Filed revenue acceleration

Active · now 37.62%

TTM revenue growth is at least 10% and improved versus the prior filed quarter; event date is the SEC filing date.

9 historical occurrences (since 2022-11-09)

Average forward return after Filed revenue acceleration

20-day: Win 50%, Sample 8, Median -4.04%, Excess +1.6%, Beat mkt rate 37.5%

60-day: Win 50%, Sample 8, Median +4.74%, Excess +8.03%, Beat mkt rate 50%

120-day: Win 57.1%, Sample 7, Median +7.12%, Excess +0.6%, Beat mkt rate 57.1%

120 days after: historical avg +9.02%

20-day +3.12%
60-day +13.03%
120-day +9.02%
20-day
60-day
120-day
Win
50%
50%
57.1%
Sample
8
8
7
Median
-4.04%
+4.74%
+7.12%
Excess
+1.6%
+8.03%
+0.6%
Beat mkt rate
37.5%
50%
57.1%

Over 7 occurrences, 120-day forward avg gained 9.02%, beat the market by 0.6 pts; win rate 57.1%.

EPS surprise beat

Active · now 10.91%

Reported EPS beat consensus estimate by at least 5%; event date is the earnings-surprise timestamp.

PEAD: Post-Earnings Announcement Drift Backtest
19 historical occurrences (since 2021-11-10)

Average forward return after EPS surprise beat

20-day: Win 44.4%, Sample 18, Median -0.65%, Excess -0.82%, Beat mkt rate 33.3%

60-day: Win 50%, Sample 18, Median -0.01%, Excess +4.16%, Beat mkt rate 38.9%

120-day: Win 58.8%, Sample 17, Median +9.22%, Excess +8.3%, Beat mkt rate 52.9%

120 days after: historical avg +14.29%

20-day +1.7%
60-day +7.19%
120-day +14.29%
20-day
60-day
120-day
Win
44.4%
50%
58.8%
Sample
18
18
17
Median
-0.65%
-0.01%
+9.22%
Excess
-0.82%
+4.16%
+8.3%
Beat mkt rate
33.3%
38.9%
52.9%

Over 17 occurrences, 120-day forward avg gained 14.29%, beat the market by 8.3 pts; win rate 58.8%.

More history: Market-wide momentum baseline, Signals not active now

Market-wide momentum baseline

Across 99,493 liquid US common-stock samples, top-quintile 6-month momentum was followed by an average 60-trading-day return of +6.42%, a 58.4% positive-return rate, and +3.08 percentage points of average excess return versus the S&P 500.

Baseline: weekly samples since 2016 where a liquid US common stock ranked in the top quintile by 126-trading-day momentum. Forward return is 60 trading days; excess return is versus S&P 500 (^GSPC).

Signals not active now

Inactive signals still show the stock-specific historical forward-return distribution for context.

52-week adjusted-price high

Pending

Adjusted close first reaches a 252-trading-day high; repeated hits within 20 days count once.

7 times historically; 60-day forward avg +6.18%, win rate 42.9%, beating the market by +6.32 pts on average.

Top-quintile 6-month momentum

Pending

The stock ranks in the top 20% of the liquid US common-stock universe by 126-day adjusted return.

Momentum Trading Strategy: A 12-1 Momentum Backtest

9 times historically; 60-day forward avg +17.59%, win rate 66.7%, beating the market by +10.42 pts on average.

Method and limits

  • Returns use us_price:adj_close, adjusted for splits and dividends where available.
  • Excess returns use world_index:^GSPC as the S&P 500 benchmark proxy.
  • Quarterly fundamentals are aligned to SEC filing dates before daily valuation studies.
  • The promoted universe starts from active NYSE/NASDAQ common stocks, then applies price and dollar-volume gates.
  • Snapshot-only tables such as analyst consensus, DCF, us_ratios, and us_key_metrics are intentionally excluded from historical evidence.
  • Overlapping event windows are descriptive distributions, not independent samples.

This page is for historical data analysis and education only. It is not investment advice. Backtests and historical return distributions do not predict future performance; evaluate risk independently before trading.