| Price | $17.32 |
| Year Range | $15.15 – $29.28 |
| Market Cap | $22.4B |
| PE Ratio | 35.35 |
| Industry | Investment Management |
What Is SoFi’s AI Stock Analysis?
SoFi’s AI stock analysis on AltIndex combines the company’s fundamentals, price technicals and 25+ alternative data signals — like hiring, web traffic, app downloads and online sentiment — into a single AI Score from 0 to 100 and a plain-English Buy, Hold or Sell read. Unlike a traditional analyst rating that updates a few times a year, the AI Score refreshes as new data arrives, so it tracks SoFi’s momentum in near-real time.
SoFi (SOFI) has an AltIndex AI Score of 69/100, currently a Buy signal. The AI Score distills SoFi's fundamentals, price technicals and 25+ alternative data signals into a single 0–100 rating, so a rising score reflects strengthening data across the board and a falling score the opposite.
SoFi’s Full AI Analysis
Keep reading AltIndex’s full AI analysis of SoFi — the fundamental, technical and alternative-data breakdown and the recommendation.
Sign up to read the full analysisWhat’s Driving SOFI’s AI Score?
Fundamentals
Revenue for the last quarter was $1.57B. This is an increase of 11.55% compared to the quarter before it, which is a positive sign of growth. Compared to the same quarter last year, there is an increase of 39.09%, suggesting positive year-over-year growth. Net income for the last quarter was $157M. This represents a decrease of 6.08% compared to the quarter before it, indicating a need for concern. Compared to the same quarter last year, there is an increase of 61.00%, suggesting positive year-over-year growth. Ebitda for the last quarter was $204M. This represents a decrease of 23.52% compared to the quarter before it, indicating a need for concern. Compared to the same quarter last year, there is an increase of 20.94%, suggesting positive year-over-year growth. The current P/E ratio is 35.35. This may be considered high, potentially indicating overvaluation and a bearish outlook. In the last couple of months, there's been a couple of company insiders selling their stock, a potentially bearish signal.
See SoFi’s earnings and insider transactions.
Technicals
Today's stock price is $17.32. This represents a decrease of 5.30% compared to a month ago, which may be concerning in the short-term. However, compared to a year ago, there is a decrease of 37.41%, which could be a cause for long-term concern. The trend is bearish. The current SMA10 is $17.86, which is lower than the previous SMA10 of $17.91. This suggests a potential downward trend in price movement. The RSI is 48.9, indicating a neutral condition.
See the full technical analysis and price prediction.
Alternative data
SoFi has an estimated 170 open positions. This number is down by -37% in the last couple of months, indicating a company trying to improve its margins or cut costs. Not a great sign for a growing company. The business outlook among employees at SoFi is very high (an estimate of 82% of employees have a positive outlook), a positive sign. SoFi has an estimate of 28M visitors to their webpage. The number of visitors is down by -17% in the last couple of months, a worrisome trend as this can indicate a loss in customers. SoFi has an estimate of 6,700 users downloading their mobile apps every day. The number of downloads is down by -20% in the last couple of months, a worrisome trend as this can indicate a loss in customers.
Explore SoFi’s job postings, web traffic and app downloads.
Sentiment & social
The sentiment for the stock on various stock forums is neutral. SoFi has 230,000 followers on their Instagram page. The number of followers is up by 8% in the last couple of months, indicating an increased interest in the company. SoFi has 180,000 followers on their Twitter page, with no meaningful increase or decrese in the last couple of months.
Track SoFi’s market sentiment.
Frequently Asked Questions: SoFi AI Stock Analysis
SoFi's AltIndex AI Score is 69/100, currently a Buy signal. The AI Score blends fundamentals, technicals and 25+ alternative data signals into a single rating from 0 to 100.
AltIndex's AI Score model rates SoFi a Buy (69/100). This is a data-driven signal, not investment advice — review the breakdown above and combine it with your own research.
The AI Score is generated from fundamental data (earnings, valuation), technical indicators (price trend and momentum), and alternative data signals such as hiring, web traffic, app downloads and sentiment. AltIndex weighs these into a single 0-100 score; the exact weighting is proprietary.
AltIndex generates a complete written AI analysis of SoFi — company overview, fundamentals, technicals and alternative data, with a recommendation. See the SOFI AI Score or sign up to read the full thesis.
