Market Eyes LiveSoFi Technologies, Inc. (SOFI) Stock Rating & Analysis
MELANY's data-driven read on SoFi Technologies, Inc. · Finance Services.
SoFi, founded in 2011 and based in San Francisco, began in student loan refinancing and has since added personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. Operating only through its app and website, it aims to be a one-stop shop for clients' finances, and via its 2020 acquisition of Galileo it also provides payment and account services for debit cards and digital banking.
Why SOFI scores 54/100
MELANY scores SoFi Technologies, Inc. 54/100 by weighing eight factors. Here is how SOFI breaks down.
Whether the price looks cheap or expensive against earnings, growth, and peers.
- Forward P/E 21.4x, earnings growth accelerating
- PEG ratio 0.85 (< 1 = undervalued)
Margins, returns on capital, and balance-sheet strength.
- Gross margin 84%
Direction and relative strength of the recent share-price trend.
History of beating or missing estimates, and where estimates are heading.
- Beat EPS estimates 3 of last 4 quarters
- Avg EPS beat +12%
What Wall Street price targets and revisions are signalling.
- Institutional net buying +4.5%
Near-term events that could move the stock.
Upside weighed against volatility and drawdown risk.
How the current rate and market regime suits this kind of company.
Key risks for SOFI
- Weak price momentum, trend not yet confirmed, may need more time to set up
- High beta 2.2, amplifies market drawdowns 1.8x+ in selloffs
Sector and theme context
SoFi Technologies, Inc. sits in the Financials / rate cycle theme, which MELANY currently rates 56/100 for strength. Theme strength feeds SOFI's momentum and catalyst factors above.
Tracking SOFI
SoFi Technologies, Inc. rates Hold right now, so MELANY is not flagging a fresh entry. Create a free account to add SOFI to your watchlist and get alerted the moment the rating changes.
How MELANY rates SOFI
MELANY is a rules-based engine that scores every stock from 0 to 100 across eight weighted factors, then re-scores as new price, earnings, and fundamental data arrive. SoFi Technologies, Inc.'s 54/100 reflects mature factor weighting for its profile.
Ratings are algorithmic and change with the data. They are research and education, not personalized investment advice.
Frequently asked questions about SOFI
Is SoFi Technologies, Inc. (SOFI) a buy?
As of 2026-08-21, MELANY rated SoFi Technologies, Inc. Hold with a composite score of 54/100. That is a dated snapshot, not the live rating, and it is an algorithmic reading built from eight factors rather than personalized investment advice. Review the factor breakdown above and the disclaimer below before making any decision.
What is SoFi Technologies, Inc.'s MELANY score?
SoFi Technologies, Inc. (SOFI) has a MELANY composite score of 54/100, combining valuation, business quality, price momentum, earnings track record, analyst sentiment, catalyst setup, risk-adjusted profile, and macro fit.
How is the SOFI stock rating calculated?
MELANY scores SOFI from 0 to 100 across eight weighted factors using live market and fundamental data, then refreshes the rating automatically as new data arrives.
Should I buy SoFi Technologies, Inc. stock?
That decision is yours; Market Eyes Live does not give buy or sell advice. What the data says: MELANY rates SoFi Technologies, Inc. (SOFI) Hold with a composite of 54/100 as of 2026-08-21. The factor breakdown above shows what is driving that, which is a better basis for a decision than any one-word verdict.
What is the SOFI stock price forecast?
MELANY does not publish price targets or forecasts for SOFI. Predicting a future price is exactly the kind of false precision the confidence framework avoids. Instead it scores today's setup, 54/100 across eight factors for SoFi Technologies, Inc., and re-scores automatically as new price, earnings, and fundamental data arrive.
Is SOFI stock overvalued or undervalued?
MELANY's valuation factor currently reads 48/100 for SoFi Technologies, Inc., where a higher score means the price looks more attractive against earnings, growth, and peers. Scores in the 70s and above read as attractively priced, the mid range as roughly fair, and low scores as stretched. The factor breakdown above shows what drives SOFI's read.
What price should I buy SOFI at?
MELANY is not flagging a fresh entry for SOFI at its current Hold rating, so there is no entry zone to publish right now. Watchlisting SOFI in the free app gets you alerted the moment that changes.
What are the risks of buying SOFI stock?
The top risks MELANY currently flags for SoFi Technologies, Inc.: Weak price momentum, trend not yet confirmed, may need more time to set up; High beta 2.2, amplifies market drawdowns 1.8x+ in selloffs. The rating on this page already weighs these against the bullish factors; see the risk-adjusted profile score in the breakdown above.
Is SoFi Technologies, Inc. a good long-term investment?
For long-term durability the two factors that matter most are business quality, which MELANY scores 66/100 for SoFi Technologies, Inc., and earnings track record, at 88/100. The 54/100 composite blends those with six shorter-horizon factors. Durable quality at a fair price is the long-term case to test; this is research, not personalized investment advice.
Will SOFI stock go up?
Nobody can promise a stock's direction, and Market Eyes Live does not predict prices. The measurable part: MELANY's price momentum factor reads 37/100 for SOFI right now, and the catalyst setup factor tracks whether near-term events could move it. Both re-score automatically as the data changes.
How current is this SOFI rating?
The rating on this page is a snapshot of MELANY's read as of 2026-08-21. The price shown updates live, but the score is not recomputed on this page. MELANY re-scores SOFI continuously as new price, earnings, and fundamental data arrive, and that current rating is free in the app.
SOFI's live rating and alerts are free either way. The app is our flagship.