Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.32, read 2026-11-05
Ethical does not pass the values gate
Price17.38 USD
Fair value16.69
Ethical score30.0/100
Value readFairas of 4 Nov 2026
Our investment reviews on this name
2026-11-03Read Markup16.76+3.7% to today ✓Markdown gives way to Markup after a 5% rise in 5 weeks
2026-10-02Read Markdown15.93+9.1% to today Distribution gives way to Markdown after an 8% slide in 3 weeks
2026-09-13Read Distribution17.33+0.3% to today Markup gives way to Distribution with volume flow in agreement
2026-07-02Read Markup16.58+4.8% to today ✓First review on file: Markup
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
SoFi Technologies Inc holds its Markup at $17.38. Consolidating, no directional conviction, held for 2 days.
As held on the ledger · 2026-11-04
Phase
Markup
Quantitative state
Consolidating, no directional conviction, held for 2 days
Price at the screen
$17.38
Valuation
30.47 trailing · 18.80 forward price to earnings
Values screen
FAIL· score 30.0
Beta
2.33
The Workings
Five Screens, Shown in Full
Does not pass. Excluded industry: Credit Services
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Excluded industry: Credit Services
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
SoFi Technologies does not clear the screen at the business-activity stage. It operates in an area the screen excludes: Credit Services, so the financial ratios are not the deciding factor here.
Read as at 2026-11-05. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when SOFI's ethical verdict changes
Today SOFI does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
Free, no account needed. Every email has a link to stop.
What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Fair vs our fair value, as of 4 Nov 2026: it trades above our $16.69 fair value estimate, narrow competitive moat, 43.90% revenue growth.
Fair value range in USD, drawn from the 2026-11-04 screen. The gold marker is the market price at the same screen. The price runs 4.1% above the base estimate.
Third-party analyst targets: 23 covering, consensus Hold. The average target sits +15% from the screen price.
Reading the gap · Our more conservative model reads it as fully-to-richly valued here, while the Street is more bullish: a quality-at-a-fair-price name rather than a deep-value one.
Where our models see it going: fair-value estimate $16.69, with a range of $10.80 to $19.19, dated to the 2026-11-04 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
SoFi hits the ethical wall first
Picture a slick app promising young users one place for loans, banking and investing. SoFi has built exactly that, with revenue up 42 percent and a 15 percent profit margin already showing through.
We pass on the name regardless. The business sits squarely inside credit services, an excluded industry under the screen, so the ethical test ends the conversation before valuation or growth numbers matter.
The shares also trade above our fair value with only a narrow moat and a modest 7 percent return on equity. Nineteen analysts sit on hold with an $18 median target, yet none of that changes the screen result. Analysis, not advice.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The things to watch: it already moves more than the market on an average day.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
SOFI trades on NASDAQ. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-11-03Markup · changed$16.76+15.2%Entry 17
The framework has shifted from markdown to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 15.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (20 analysts) rates it hold, with a mean price target of $21. Insiders have been net sellers over the past quarter.
2026-10-27Markdown$14.55+0.0%Entry 16
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (20 analysts) rates it hold, with a mean price target of $21. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-26Markdown$14.55+0.0%Entry 15
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (20 analysts) rates it hold, with a mean price target of $21. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-25Markdown$14.55+0.0%Entry 14
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading oversold. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (20 analysts) rates it hold, with a mean price target of $21. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-24Markdown$14.55+0.0%Entry 13
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading oversold. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (20 analysts) rates it hold, with a mean price target of $21. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-23Markdown$14.55+0.0%Entry 12
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading oversold. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (20 analysts) rates it hold, with a mean price target of $21. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-22Markdown$14.55+0.0%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading oversold. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (20 analysts) rates it hold, with a mean price target of $21. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-21Markdown$14.55+0.0%Entry 10
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading oversold. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (20 analysts) rates it hold, with a mean price target of $21. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-20Markdown$14.55+0.0%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading oversold. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (20 analysts) rates it hold, with a mean price target of $21. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-18Markdown$14.55-8.7%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 8.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (20 analysts) rates it hold, with a mean price target of $21. Insiders have been net sellers over the past quarter.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.