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SoFi Technologies Inc. (SOFI) — chart, structure and Closelooknet read

The Closelooknet read

SoFi Technologies offers consumer financial services through three segments: Lending, Technology Platform and Financial Services. It lets members borrow, save, spend and invest through products such as personal loans, SoFi Money and SoFi Invest, and it runs Galileo and Technisys, platforms that process accounts and payments for other banks and fintechs.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Agents can buy the score depth per call over HTTP 402 — see the catalogue. Research diary readings, not advice.

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Signals for this name

Every Closelooknet reading that exists for SOFI, from the same nightly bakes the boards use. Research diary readings, not advice.

Versus its index AI Users — the name, its sleeve and the index over day, week and month

Versus its index

The name against its Closelooknet index and its own sleeve — equal-weight, nightly closes.

AI Users · as of 2026-11-06

DayWeekMonth3 months
SOFI+1.1%−3.3%+3.8%−10.5%
Decision Intelligence & Risk−0.5%−1.9%−4.5%—
AI Users−0.7%+0.7%+6.6%—

Against the index: 4.0 pts behind on the week, 2.8 pts behind on the month; against its Decision Intelligence & Risk sleeve 8.3 pts ahead on the month.

Returns from the index workers’ nightly closes; equal-weight sleeves. A relative reading from the research diary, not advice.

Mentioned on Closelooknet 2 pieces · newest: Report, “AI Users — Builders Up 66%, the Companies Using AI Flat” (2026-10-25)

Mentioned on Closelooknet

Where SOFI appears in the diary — 2 pieces, newest first. Every link is our own writing.

Long reads

Weather around the name 4 macro readings: Money Temperature, Factor regime, Sector × region …

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 47/100 · S&P 500 fund at 48, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-06
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 60th percentile of the window, -22.8% over 20 sessions. Factor regime → 2026-11-06
  • Sector × region Financials in US: +1.2% week · +5.4% month · −0.8% quarter · +10.1% yearThe Sector Engine cell this name lives in, from XLF.US; the 11 × 4 matrix shows where its sector is being bought and where it is being sold. Sector Engine → 2026-11-07
  • Sovereign pressure Index -1.91 · down 2.45 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-06
How it trades on rate days beta 1.36 to TLT · on the worst bond days it fell more than the market

How it trades on rate days

How SOFI has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 1.36 — moves strongly with bonds for every 1% move in TLT (20+ year Treasuries), SoFi Technologies Inc. moved 1.36% on average · correlation 0.23 · higher than 92% of US names
  • Beta, last 3 months 0.94 less rate-sensitive lately than over the year
  • On the 10 worst bond days −2.01% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days +1.51% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against AI Users · Decision Intelligence & Risk · 5 names with week and year-to-date

Peer group

AI Users · Decision Intelligence & Risk

Compared against SOFI on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — SoFi Technologies Inc.

SOFI in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
SoFi Technologies offers consumer financial services through three segments: Lending, Technology Platform and Financial Services. It lets members borrow, save, spend and invest through products such as personal loans, SoFi Money and SoFi Invest, and it runs Galileo and Technisys, platforms that process accounts and payments for other banks and fintechs. It is based in San Francisco.
Where it sits in the stack
SoFi sits on the user side of AI, inside our AI Users index, in the Decision Intelligence & Risk section, where firms apply AI to underwriting, credit, fraud and other complex decisions. SoFi has disclosed an AI virtual assistant for member service, first documented in July 2025, that it says cut average response time by 65% and halved chat abandonment; the system assists staff and members rather than deciding on its own.
Who it is priced against
Closelooknet groups it with other Decision Intelligence & Risk names for the same reason: Nu Holdings, Affirm, Capital One, JPMorgan Chase and Progressive; the market also compares it with PayPal.
Why Closelooknet tracks it
SoFi is a Russell 1000 constituent and holds a section seat in AI Users under Decision Intelligence & Risk. It carries a Closelooknet score, but only one module is scored so far, so the score is still being built.
What the diary watches
SoFi has stated plans for a comprehensive SoFi Coach in 2026; the diary watches whether that rollout changes the figures it already discloses on assistant response times and abandonment.

SoFi Technologies Inc. (SOFI) trades on US exchanges, classified under Financial Services.

The Closelooknet company score reads 43/100 composite (momentum 33, quality 41, valuation 38) across 7 modules — the full breakdown, chart structure and analog history load live above.

Written from the company’s public profile and Closelooknet’s own readings, 2026-10-25. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

The Street on this name 4 analyst actions on the wire · latest: initiation by Monness, 2026-10-26

The Street on this name

Analyst actions and the latest print for SOFI from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Initiation Monness — at Buy Initiated to Buy 2026-10-26
  • Price target Monness Crespi — target 20 Target set to $20 (+36.8% to spot) 2026-10-26
  • Price target Loop Capital — target 22 Target set to $22 (+22.2% to spot) 2026-09-08

4 actions on the analyst wire since 2026-08-13: 2 initiations, 2 target changes. Analyst wire → · Earnings wire →

Dividends and capital return no distribution in twelve months · buybacks 65 m USD in FY2025

Dividends and capital return

What SOFI pays out and buys back — distributions read from the price series, money terms from the filings.

  • Distributions No cash distribution recorded in the price series over the last three years
  • Buybacks, FY2025 65 m USD 0.3% of today's market value
  • Share count +13.7% in FY2025 262 m USD of stock-based compensation in the year
  • Capital returned 65 m USD in a year of negative free cash flow dividends and buybacks together

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

FAQ · from the current data · as of 2026-11-07

Quick answers

What is SoFi Technologies Inc. (SOFI)?

SoFi Technologies Inc. trades as SOFI on the US exchange (United States) and is classified under Financial Services in the Closelooknet research universe, as of the registry build of 2026-11-07.

Is SOFI in a Closelooknet index?

Not currently — SoFi Technologies Inc. is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-11-07.

What is SoFi Technologies Inc.'s Closelooknet composite score?

43 out of 100, with momentum 33, quality 41 and valuation 38 sub-scores, as of 2026-11-07. Scores are Closelooknet's own research readings, not ratings or investment advice.

Where does SOFI trade against its moving averages?

SoFi Technologies Inc. trades 0.9% below its 50-day and 7.6% below its 200-day moving average (3.6% above its 20-day). As of 2026-11-06 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How is SOFI doing against its Closelooknet index?

Over the past month SoFi Technologies Inc. is +3.8% against +6.6% for the AI Users — 2.8 points behind its index, as of 2026-11-06. Its Decision Intelligence & Risk sleeve is −4.5% over the same month. The “Versus its index” table on this page carries the day, the week and the month for the name, its sleeve and the index.

How does SoFi Technologies Inc. compare with its peers?

Against its peer group (AI Users · Decision Intelligence & Risk), SoFi Technologies Inc. (SOFI) sits 50.5% below its 52-week high, 0.9% below its 50-day average; Progressive Corp (PGR) is 5.5% below, Capital One Financial Corporation (COF) is 21.6% below, JPMorgan Chase & Co (JPM) is 8.7% below, as of 2026-11-06. Put any of them next to SOFI in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does SoFi Technologies Inc. trade when bond yields rise?

Over the past year SoFi Technologies Inc. had a beta of 1.36 to TLT, the long-dated Treasury fund — it moves strongly with bonds, higher than 92% of US names. On the 10 sessions in which long bonds fell most it moved −2.01% on average, against −0.74% for the S&P 500. As of 2026-11-06; The "How it trades on rate days" block on this page carries the lines.

Where has Closelooknet written about SoFi Technologies Inc.?

SoFi Technologies Inc. appears in 2 Closelooknet pieces as of 2026-11-07, most recently Report: AI Users — Builders Up 66%, the Companies Using AI Flat (2026-10-25); Weekly Signal: Bitcoin — New Life for the Coins and the Stocks (2026-09-20). The "Mentioned on Closelooknet" block on this page lists the long reads, the reference entries and the dailies that name it.

What does SoFi Technologies Inc. do?

SoFi Technologies offers consumer financial services through three segments: Lending, Technology Platform and Financial Services. It lets members borrow, save, spend and invest through products such as personal loans, SoFi Money and SoFi Invest, and it runs Galileo and Technisys, platforms that process accounts and payments for other banks and fintechs. It is based in San Francisco. Closelooknet groups it with other Decision Intelligence & Risk names for the same reason: Nu Holdings, Affirm, Capital One, JPMorgan Chase and Progressive; the market also compares it with PayPal. (Company snapshot of 2026-10-25.)

Where does SoFi Technologies Inc. sit in the AI build-out?

SoFi sits on the user side of AI, inside our AI Users index, in the Decision Intelligence & Risk section, where firms apply AI to underwriting, credit, fraud and other complex decisions. SoFi has disclosed an AI virtual assistant for member service, first documented in July 2025, that it says cut average response time by 65% and halved chat abandonment; the system assists staff and members rather than deciding on its own. SoFi is a Russell 1000 constituent and holds a section seat in AI Users under Decision Intelligence & Risk. It carries a Closelooknet score, but only one module is scored so far, so the score is still being built. (Company snapshot of 2026-10-25.)

Does SoFi Technologies Inc. pay a dividend?

No cash distribution shows in SoFi Technologies Inc.’s price series over the last three years. In fiscal 2025 the company bought back 65 m USD of its own shares. The share count rose 13.7% over the fiscal year. As of 2026-11-06; the "Dividends and capital return" block on this page carries the lines.

What has Wall Street done on SoFi Technologies Inc. recently?

The most recent analyst action on SoFi Technologies Inc. on the Closelooknet wire is a initiation by Monness on 2026-10-26 (at Buy). 4 actions on the analyst wire since 2026-08-13: 2 initiations, 2 target changes. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for SOFI, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

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Related in the Closelooknet universe

then Credit Services. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.