SoFi Technologies, Inc. (SOFI) stock analysis: October 27, 2026

Technical view

• Price ($16.36) gapped up from Monday's close ($14.47) and now sits above its 21 EMA ($15.37) and 50 EMA ($16.16), but still below its 100 EMA ($16.91) and 200-day EMA (about $18.82, from daily closes). The stock is still about half its 52-week high of $32.73.
• The jump follows Q3 results: net income rose 73% to $241M and revenue rose 43% to $1.38B, both ahead of estimates. SoFi added a record 1.2M members (17.1M total), raised its full-year revenue outlook to about $5B and gave a 2027 outlook above Wall Street estimates.
• RSI (14) reads 57.1: neutral, up sharply from its recent lows. The chart's MACD line (-0.03) just crossed above its signal (-0.22) but is still below zero, so the turn is early.
• Breadth is positive on the day: Nasdaq advancers lead about 1.9 to 1 (2,043 vs 1,072) and NYSE about 1.3 to 1 (1,243 vs 930). About 59% of S&P 500 stocks are above their 50-day average and 58% above their 200-day.
• New 52-week lows still outnumber highs on the Nasdaq (174 vs 38), about 2:04 PM ET.
• Options Swing Helper trend bias: Bearish, HV Rank 54.85% (Fair): option premium is about average for its own past year, with annualized volatility at 59.7%.
• Volume was 127.86M at snapshot time, about 2.5x its 30-day average (50.66M) with the session still open.

Market breadth and new highs / lows

• NYSE: 1,243 advancers vs 930 decliners, about 1.3 to 1 positive. Nasdaq: 2,043 vs 1,072, about 1.9 to 1 positive (midday).
• About 59% of S&P 500 stocks were above their 50-day average and 58% above their 200-day (Barchart, about 1:38 PM ET): participation is a little better than half the index.
• New 52-week highs vs lows (Barchart, about 2:04 PM ET): NYSE 24 vs 27, Nasdaq 38 vs 174, so lows lead, mostly on the Nasdaq.

Fundamentals

Sector / Industry

Financials / Credit Services

Analyst Consensus

Hold (26 analysts)

Avg. Price Target

~$20.22 (+23.6%)

P/E (TTM / Fwd)

30.2x / 21.1x

Revenue (TTM)

$4.70B (+42.8% YoY)

Q3 Result

Net income $241M (+73%); revenue $1.38B (+43%)

Beta

2.33 (much more volatile than the market)

Earnings

Reported Oct 27, 2026

Volatility snapshot (Options Swing Helper)

Expected Move (30d)

±$3.37 (±20.59%)

1 SD Range

$12.99 - $19.72

HV Rank (Ann. HV)

54.85% (59.66%)

Premium

Fair

The expected move and 1 SD range come from the Options Swing Helper indicator on the chart; they describe how far the market is pricing the stock to move over 30 days, not where it will go.