SoFi Technologies, Inc. (SOFI) — Credit Services. Numbers-first dossier: valuation, distress risk, calibrated signal.

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Bid — × — AskUpdated Nov 6, 2026 · 4:00 PM ETVol 44.07M · 3-mo avg 48.49M

SoFi Technologies, Inc. (SOFI)

SOFISoFi Technologies, Inc.loading…
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QTick signal
0net
1 bull / 3 bear factors · balanced
Bull 3 pts·Bear 3 pts30d
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Market context—Sector read · not on file—Balance sheet · not on file—Inflation-report days · not on fileOKCalm trading · sharp-drop risk 0/100 · Nov 6
$16.13
near a recent low and a support level · Nov 6
$17.00
near a heavy call-option level and a round-number price · midpoint $17.00 · Nov 6
±$1.33
±8.2% up or down, priced by the options market
Death cross
50-day average is below the 200-day — a downtrend
In line
69% of similar setups fell 10% or more within 3 months · 1.2× the usual rate · rating eased: at bottom zone (1/6 bottoming checks met)
Death cross
50-day average is below the 200-day — a downtrend
Trading volume25% below normal0.75× its 20-day average
Past year's range$13.86 – $32.73lowest to highest price
From its peak50.5% belowpeak $32.73, highest since 2020
Gain vs. risk0.40 to 1$0.40 possible gain per $1 at risk
Plan fails below$14.24the setup is broken under this price
Options pressure point$16.00price can drift here near expiry
Momentum (RSI)50.8fires under 35 · fires near $13.25
Accounting warning signs2worth checking — see the list
Price vs. profit18.0× next year29.5× last 12 months
Price vs. its own pastpricier than 8%of the last 5 years · usual P/E 42.4×

Last session traded in line with its own normal, price up 1.1%. Over the last 20 sessions, 47% of the volume traded on days the stock closed lower.

Entry strategy · 10 triggers

2 of 6 aligned — not yet
RSI 14
●
50.8
fires under 35 · fires near $13.25
vs 50-day
✓
$16.35
at the line
Bollinger
●
$13.46
no lower pierce · fires near $13.03
VWAP 20
●
$15.81
above the rolling VWAP · fires near $15.80
Entry level
✓
$16.13
within 1% of model level
Put wall
●
$15.00
2026-11-06 expiry · chain of 2026-11-04
MACD
Context✓
+0.16
histogram above zero · fading
RVolStatic
0.75×
in line with its own normal
Short int.Static
17.3%
short interest below 20%
ATRStatic
$0.91
14-session average true range
A checklist, not odds on a return: 4 of 6 usable price conditions have to line up. RSI, the 50-day average and the Bollinger band move with the price you set; the 20-day average traded price, the entry level and the busiest put strike stay fixed. MACD, RVol, Short int. and ATR are context only — they never count toward the total.
See the full case→
Next earnings
2027-01-29
in 56 sessions
Next dividend
No indicated yield
no forward dividend on file