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SoFi SOFI

SoFi scores weak on business quality (4.0 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$15.80Oct 10, 2026
Business qualityWeak
Next earningsOct 27, 2026, before the open
Insiders, 90 daysQuiet

Why it matters

  1. What SoFi does

    SoFi Technologies operates a digital financial services platform, making money through lending, financial products, and technology services like Galileo for consumers and enterprises.

  2. What it does best

    SoFi expands its revenue base rapidly, posting a revenue growth rate of 35.1% that sits in the top decile of its sector at the 92nd percentile.

  3. The main risk

    Free cash flow remains deeply negative at -$8.8B, threatening liquidity if funding costs rise or loan defaults accelerate.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityWeak

Net margin sits at 14.0% while free cash flow is negative at -$8.8B, indicating that current scale does not yet generate positive cash conversion.

MoatWeak

SoFi lacks a durable competitive advantage, scoring in the bottom quartile for return on equity at 6.2% and lacking meaningful customer switching costs.

GrowthFast

Revenue growth surges at 35.1%, easily outpacing peers like AXP at 8.4% and FCFS at 8.0%.

Financial healthWeak

Debt-to-equity sits at 0.2 while free cash flow stays negative at -$8.8B. Balance sheet leverage is low, but burning cash means continued external dependency.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

No open market buys or unplanned sales by executives or directors.

Our sealed record on SOFI

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is SOFI a good business?

SoFi scores weak on the Cluenex quality check (4.0 of 10), measured against its own industry. Profitability is weak, moat weak, growth fast and financial health weak.

Are insiders buying SOFI?

In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.

When does SOFI report earnings?

Oct 27, 2026, before the open.

For members

See SOFI today

  • Today's verdict on SOFI, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “SoFi (SOFI)”, https://cluenex.com/stocks/sofi/, data as of Oct 10, 2026.