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SoFi Technologies Inc. (SOFI) — Quality & forensics

As of 2026-10-26 — refreshed nightly. Closelooknet readings from an investment research diary, not ratings or advice.

The Closelooknet module scores

41 /100 composite · 7 modules · general weight set

Scores are computed nightly across the coverage universe and read relative to it — the methodology lives in the company-scoring explainer.

Financial forensics — the academic screens

-0.31 Altman Z-Score

Sits in the distress zone (below 1.81). The Z-Score estimates financial-distress risk from five balance-sheet and earnings ratios.

4/9 Piotroski F-Score

Nine binary fundamental-strength checks across profitability, leverage and operating efficiency.

-1.26 Beneish M-Score

Screens reported earnings for statistical manipulation patterns — above the −1.78 threshold the literature flags for earnings-manipulation risk. A screen, not an accusation.

Continue: the SOFI chart & overview

FAQ · from the current data · as of 2026-10-26

Quick answers

What is SoFi Technologies Inc.'s Closelooknet quality reading?

The composite reads 41/100 across 7 modules, as of 2026-10-26: valuation 41, quality 40, growth 81, balance sheet 30, cash quality 20, capital allocation 24, momentum 18. Closelooknet scores are research diary readings, not ratings or investment advice.

What is SoFi Technologies Inc.'s Altman Z-Score?

-0.31, which sits in the distress zone (below 1.81) as of 2026-10-26. The Altman Z-Score estimates financial distress risk from five balance-sheet and earnings ratios.

What is SoFi Technologies Inc.'s Piotroski F-Score?

4 of 9, as of 2026-10-26. The F-Score counts nine binary fundamental-strength signals across profitability, leverage and operating efficiency.

What does SoFi Technologies Inc.'s Beneish M-Score indicate?

-1.26 — above the −1.78 threshold the literature flags for earnings-manipulation risk, as of 2026-10-26. The M-Score screens reported earnings for statistical manipulation patterns; it is a screen, not an accusation.

Mentioned on Closelooknet

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

Long reads

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.