SoFi Technologies, Inc.
boothcheck covers SoFi Technologies, Inc. (SOFI) but does not put one priced-in number on it: here the defensible answer is the evidence rather than a point estimate. boothcheck publishes no house fair value, target price, or buy/sell rating. Narrative composed July 11, 2026.
• SoFi's flywheel is now measurable in GAAP: a record 1.055 million new members in the first quarter took the base to 14.7 million (up 35 percent), net revenue hit a record $1.1 billion, and diluted EPS doubled to $0.12, with Galileo supplying banking infrastructure ⟦"such as account setup, account funding, direct deposit, authorizations and processing"⟧ to third parties (accession 0001818874-26-000013) [Source: Q1 2026 earnings release, April 29, 2026]. • The risk is a bank multiple priced on u
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892 institutional managers reported holding SOFI in 13F filings for the quarter ended 2026-03-31. Together they hold about 51% of the company; the top 10 hold 29%. 102 opened new positions that quarter. Held by Vanguard Group, BlackRock, D. E. Shaw, among others. On the short side, 195.8M shares were sold short as of the 2026-06-15 count, about 14% of shares outstanding (2.6 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
SOFI's share count grew 249.6% over the past five years. It pays no dividend.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
Open-market insider buys at SOFI over the trailing three years: 2023: 3 buys totaling $545k; 2024: 5 buys totaling $1.30M; 2026: 5 buys totaling $1.96M. 23 officers and directors are on file.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
SOFI's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-08-09 | +8.4% | -4.5% |
| 2023-11-09 | +9.9% | +19.3% |
| 2024-02-28 | +6.1% | -21.9% |
| 2024-05-08 | -13.8% | -6.8% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
SOFI's latest 8-K filings: 2026-07-29 (items 2.02, 9.01); 2026-06-18 (items 5.07); 2026-04-29 (items 2.02, 9.01); 2026-01-30 (items 2.02, 9.01); 2026-01-09 (items 5.02).
Item codes are the SEC's own classification of what each report discloses. Dates link to the filing on EDGAR. Nothing here is investment advice.
Model solve date: 2026-Q2
Narrative composed: July 11, 2026
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For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.