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SoFi Technologies is a digital bank offering personal loans, student loan refinancing, checking and savings accounts, and stock trading through one app. It holds a national bank charter, and its Galileo and Technisys units sell banking infrastructure to other financial companies.
SoFi Technologies, Inc. (SOFI) is a finance services company. Piotroski F-Score 2/7. 26 insider Form 4 filings in the last 90 days. Next earnings projected around 2026-07-28 from SOFI's year-over-year reporting pattern (not yet company-confirmed). Fundamentals from SEC filings; prices are end-of-day.
EOD daily bars · delayed, not real-time · data: DatabentoCharting by TradingView Lightweight Charts™
XBRL company facts, SEC EDGAR. TTM = last four reported quarters. Valuation ratios arrive with a price source — we don't fake quotes.
A plain-English read on SOFI plus an auto-SWOT — built from SOFI's SEC filings and market data, every point cited, nothing invented. Educational, not investment advice.
Four AI analysts — a bull, a bear, a risk manager, and a PM — debate SOFI using only the SEC-filing and market facts below. Every point cites its evidence; nothing is invented. This is educational research, not investment advice.
Educational only — not financial advice. Data from SEC EDGAR public filings; no live market data is shown. Figures reflect the company's own reported XBRL facts and may lag.
| Keough KelliEVP, GBUL, SIPS | SELL | $190K | view → |
| Lavet Robert SGeneral Counsel | SELL | $21K | view → |
| Rishel JeremyChief Technology Officer | SELL | $1.8M | view → |
| Noto AnthonyChief Executive Officer | BUY | $251K | view → |
| Keough KelliEVP, GBUL, SIPS | SELL | $156K | view → |
| Noto AnthonyChief Executive Officer | BUY | $249K | view → |
Projected from SOFI's own SEC 8-K filing history — the year-over-year reporting pattern (~50% land the exact day, ~90% within a week). No analyst estimates, no scraped calendars, nothing invented. It upgrades to a confirmed date + time the moment SOFI files its announcement.
SOFI's earnings reaction has been evenly split — 4 up, 4 down across its last 8 reports.
Earnings reactions have been moderate.
The average is inflated by its most volatile prints (+4.0% and -12.3%).
A more typical earnings reaction has been approximately ±4.6%.
Realized close-to-close history only — no options-implied move, no analyst estimates.
| Reported | Close-to-close |
|---|---|
| 2026-04-29 | -12.3% |
| 2026-01-30 | -9.4% |
| 2025-10-28 | +3.0% |
| 2025-07-29 | +4.0% |
| 2025-04-29 | -5.2% |
| 2025-01-27 | -9.8% |
| 2024-10-29 |
Earnings dates are the company's 8-K Item 2.02 filings (SEC). Reactions from Databento EOD.
| +0.3% |
| 2024-07-30 | +2.9% |