Is SoFi Technologies (SOFI) a Buy Right Now?
A plain-English read on SoFi Technologies stock — what the chart and the numbers are saying today, with no jargon and no hype.
We've already run the numbers on SOFI.
Our AI has a Buy, Hold or Be Careful call on SoFi Technologies right now — in plain English, why, the 4 factors moving it, and the bottom line. That's the part a beginner actually needs, and it's the one thing on this page we don't give away for free.
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What SoFi Technologies actually does
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.
SoFi Technologies by the numbers
Wall Street consensus on SOFI is Hold. That is the analyst community's view, shown for context — it is not our read and not a recommendation.
SoFi Technologies's earnings history
Earnings per share for SoFi Technologies's last 4 reported financial years, as filed — EPS has risen over that span. We don't hold analyst consensus estimates for these periods, so no beat-or-miss judgement is shown.
| Period end | EPS reported |
|---|---|
| 2025-12-31 | 0.42 |
| 2024-12-31 | 0.46 |
| 2023-12-31 | -0.36 |
| 2022-12-31 | -0.40 |
Who owns SoFi Technologies?
Institutions — pension funds, asset managers, index providers — hold 51.5% of SOFI, and the concentration matters: the largest single holder alone controls 5.61% of the company.
| Holder | Shares | % held |
|---|---|---|
| 72.44M | 5.61% | |
| 57.93M | 4.49% | |
| 50.74M | 3.93% |
Names withheld — plus 3 more records not shown.
See who owns itWhat SoFi Technologies insiders have been doing
Executives and directors must disclose their own trades in company stock. Of the last 6 disclosed transactions we hold for SoFi Technologies, 3 were sales and 0 were open-market purchases; the other 3 were awards, vesting or option exercises rather than a decision to buy or sell. Insiders sell for many ordinary reasons — scheduled plans, tax, diversification — so a sale is not by itself a signal.
| Insider | Date | Type | Shares | Value |
|---|---|---|---|---|
| 2026-10-20 | SELL | 10.2K | $150.2K | |
| 2026-09-21 | SELL | 18.6K | $325.9K | |
| 2026-09-21 | SELL | 10.2K | $173.3K |
Names withheld — plus 3 more records not shown.
See which insidersThe numbers behind the read
Who in Washington has been trading SOFI?
Members of Congress must disclose trades over $1,000 within 45 days under the STOCK Act. 2 disclosures name SOFI — filed by 1 member and worth $2K–$30K combined (filings report bands, never exact amounts). 2 purchase-side, 0 sale-side, most recently on 2025-01-02.
| Member | Date | Action | Amount filed |
|---|---|---|---|
| 2025-01-02 | BUY | $1,001 - $15,000 | |
| 2025-01-02 | BUY | $1,001 - $15,000 |
The members of Congress behind these records are members-only.
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Important disclaimer
This page is for educational and informational purposes only and is not financial, investment, tax, or legal advice, nor a recommendation, offer, or solicitation to buy, sell, or hold SoFi Technologies (SOFI) or any other security. The Money GPS is not a registered investment adviser, broker-dealer, or financial planner, and no content here should be relied upon to make an investment decision.
The verdict, indicators, and commentary are generated automatically — in part using AI — from third-party market data (via Yahoo Finance) that may be delayed, incomplete, or inaccurate, and is provided “as is” without any warranty. Figures reflect the market as of 2026-10-28 and change constantly; the read above may already be out of date. A “Buy,” “Hold,” or “Be Careful” label is a simplified, rules-based signal for beginners — not a price target or a guarantee of any outcome.
All investing involves risk, including the possible loss of your entire principal. Past performance and historical patterns do not guarantee future results. Always do your own research and consult a licensed financial professional who knows your personal circumstances before investing. You are solely responsible for your own investment decisions. The Money GPS and its authors may hold positions in the securities discussed and accept no liability for any loss arising from the use of this information.