SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
Quick Stats
Jan 30, 202647.1
AI Score
HOLD3.05
Volume Ratio
Jan 30, 2026
Next Earnings
10
+ve Days (30d)
20
-ve Days (30d)
SOFI Stock Summary
Last updated Jan 30, 2026
SOFI is currently trading at $22.81, positioned above its 200-day moving average of $22.68, indicating a long-term uptrend. The stock has a 52-week range of $8.6 to $32.73.
Technical Analysis: The 50-day moving average stands at $26.84, which is above the current price, indicating bearish near-term pressure. The RSI (Relative Strength Index) reads 29.116, suggesting the stock is oversold and potentially undervalued.
Money Flow Indicators: The Chaikin Money Flow (20-day) is -0.176, which is negative, suggesting distribution or selling pressure. Our AI-powered investment score rates SOFI at 47.1/100 with a HOLD recommendation.
SOFI (SoFi Technologies, Inc. Common Stock) Indicators
Last updated Jan 30, 2026
| Indicator | Value |
|---|---|
| RSI(14) | 29.116 |
| CMF (20) | -0.176 |
| ROC (10) | -13.729 |
| ADX (14) | 13.911 |
| Indicator | Value |
|---|---|
| MACD (12,26,9) | -0.832 |
| AROONOSC (14) | -100.0 |
| WILLAMS %R (14) | -90.04 |
| MFI (14) | 24.429 |
SOFI Technical Chart
- Candlesticks: Green = price up, Red = price down. Body shows open/close, wicks show high/low.
- SMAs: Moving averages help identify trends. Price above SMA = bullish, below = bearish.
- Options OI: Shows max open interest strikes. High OI = significant price levels.
- Volume Profile: Shows price levels with most trading activity. POC = Point of Control (highest volume).
- Earnings: Vertical lines mark earnings dates. Watch for volatility around these dates.
- Gamma Walls: Key support/resistance from options gamma exposure. Orange = resistance above, Purple = support below.
- Fibonacci Retracement: Auto-calculated support/resistance levels based on recent high/low. Key levels: 23.6%, 38.2%, 50%, 61.8%, 78.6%.
- Unusual Activity: Highlights days with abnormal volume (2x+ average) or large price moves (5%+). Red marker = unusual activity detected.
Technical Indicators
Select indicators above to analyze technical patterns
Indicators will appear below the price chart with perfectly aligned datesVolume Profile Analysis
Horizontal histogram showing volume distribution at each price level with buying/selling pressure
SOFI Price vs Max Options Open Interest
SOFI Max Change In Options Open Interest
SOFI Options - Sort by Max open Interest (near term)
1st February 2026 (Data is delayed in normal mkt. hours)
| Type | Expiration | Strike | OI | Change in OI |
Volume | Ask | PC | Delta | Vega | Volatility | % change | Track |
|---|
SOFI Daily Out of Money Options - Sort by Max open Interest (near term)
1st February 2026 (Data is delayed in normal mkt. hours)
| Type | Expiration | Strike | OI | Change in OI |
Volume | Ask | PC | Delta | Vega | Volatility | % change | Track |
|---|
SOFI Daily In the Money Options - Sort by Max open Interest (near term)
1st February 2026 (Data is delayed in normal mkt. hours)
| Type | Expiration | Strike | OI | Change in OI |
Volume | Ask | PC | Delta | Vega | Volatility | % change | Track |
|---|
SOFI Most Active Options by Volume(near term)
1st February 2026 (Data is delayed in normal mkt. hours)
| Type | Expiration | Strike | Volume | OI | Change in OI |
Ask | PC | Delta | Vega | Volatility | % change | Track |
|---|
SoFi Technologies, Inc. Common Stock is not trading above both 50 Day and 200 Day SMA which is considered Bearish.
SOFI Moving Averages Analysis
SOFI (SoFi Technologies, Inc. Common Stock) Simple Moving Averages
Moving Averages are last updated Jan 30, 2026
| Days | MA |
|---|---|
| 10 | 25.18 |
| 20 | 26.23 |
| 30 | 26.4 |
| 50 | 26.84 |
| 100 | 27.49 |
| 200 | 22.68 |
SOFI Fundamental Analysis
| P/E (Forward) | 41.6667 |
| P/E (Trailing) | 43.5 |
| Market Cap ($) | 30.8 billion |
| Earnings/Share ($) | 0.56 |
| Net Proft Margin (%) | 0.1946 |
| Dividend/Share ($) | -- |
| EPS Estimate Current Year ($) | 0.3636 |
| EPS Estimate Next Year ($) | 0.5457 |
| WallStreet Target Price ($) | 27.1111 |
| Most Recent Quarter |
News Summary: $SOFI shows a Pink Bar signal and a Darvas Box breakdown, indicating a potential buy opportunity according to technical analysis. Long-term chart analysis suggests heavy support and a bullish reversal. Options trading has been profitable for some investors. Analyst reports on earnings are criticized, with suggestions to buy. Short interest in $SOFI has decreased significantly. A large influx of funds into the market may impact the stock. Questions arise about premarket movement and trading activity in the fourth quarter.
Updated 2026-01-31 23:00:01