NASDAQ:SOFI | SoFi Technologies, Inc.

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This page was updated : 2023-07-13 13:10:51 UTC

SoFi shares have dropped due to downgrades from Bank of America and other analysts. Concerns about student loan refinancing and delinquencies have also contributed to the decline. Truist has set a high price target for SoFi stock. Additionally, Virgin Galactic's flight plans and Elon Musk's comments on Tesla's market cap have impacted the market.

Business Overview

As an investment analyst, SOFI's business model can be understood as a combination of a traditional financial institution and a technology-driven platform. SOFI, which stands for Social Finance, started as a student loan refinancing company but has since expanded its offerings to include personal loans, mortgages, investing, and banking services. One key aspect of SOFI's business model is its focus on targeting high-quality borrowers. The company primarily serves individuals with strong credit profiles, high income potential, and stable ...

Yahoo - Business Overview

SoFi Technologies, Inc. provides various financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money. It also offers personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institutions and brokerage services, as well as Technisys, a ...

Risk Rating (Yahoo)


ESG Score (Yahoo)


Market Cap (None)


AI Rank (finclout)


Flags & Key Risks
  • Regulatory Risk: SoFi operates in a highly regulated industry, and changes in regulations or failure to comply with existing regulations could have a negative impact on the company's operations and financial performance.
  • Market Risk: SoFi's success is closely tied to the performance of the financial markets. Any downturn or volatility in the markets could lead to a decrease in demand for SoFi's products and services, which could adversely affect the company's revenue and profitability.
  • Competition Risk: SoFi faces intense competition from both traditional financial institutions and fintech startups. Increased competition could lead to pricing pressures, loss of market share, and reduced profitability for the company.
  • Credit Risk: SoFi's business model relies on extending loans to borrowers, and there is always a risk of default by borrowers. If a significant number of borrowers default on their loans, it could result in significant losses for the company and impact its ability to generate revenue.
  • Cybersecurity Risk: SoFi collects and stores sensitive personal and financial information of its customers. Any data breach or cybersecurity incident could result in reputational damage, legal liabilities, and financial losses for the company.

SWOT Analysis


Strong brand recognition and reputation  


Limited product offerings                                                                                                                                                                                                                                                          


Growing demand for online financial services                                                                                                                                                                                                                    


Intense competition in the fintech industry                                                                                                                                                                                                                      

Thesis for SoFi Technologies, Inc. - Common Stock


Sofi is a leading online personal finance company that offers a wide range of financial products and services. With its strong brand recognition and innovative technology platform, Sofi is well-positioned to capture a significant share of the growing digi ...


Sofi operates in a highly competitive and rapidly evolving industry. While the company has shown strong growth potential, there are risks associated with its business model. Regulatory changes, increased competition, and potential cybersecurity threats ...


Sofi's business model is heavily reliant on interest rate spreads and loan origination fees, which could be negatively impacted by changes in interest rates or a downturn in the economy. The company's profitability could also be affected by rising ...

News Coverage

4 hours ago @wallstreetbets
Cathie Woods buys 252,421 shares of $SOFI for ARKF
#SOFI #picked #officer #chief #selling #woods
10 days ago @wallstreetbets
Went heavy on $SOFI today. See y'all at $10+ soon ?
#SOFI #sofi #went #heavy #starting #soon
10 days ago @investing
Anyone else hold and buying SOFI?
#SOFI #check #else #long #anyone #buying
10 days ago @stocks
Barclays started SoFi Technologies (SOFI) at Equal-Weight and today is the Fireside Chat with SoFi CFO.
17 days ago @wallstreetbets
SOFI CEO buys shares
#SOFI #sofi #buys #priesdent #cro #anthony
18 days ago @wallstreetbets
SOFI Chief Marketing Officer Unloading Shares
#SOFI #sofi #officer #chief #unloading #stafford
21 days ago @wallstreetbets
Large Insider Selling at SOFI
#SOFI #worth #sold #officer #chief #holdings
24 days ago @wallstreetbets
A year ago you guys made fun of me for breaking even finally
27 days ago @stocks
SoFi beats Q3 earnings and raises 2023 Guidance
#SOFI #year #million #quarter #third #sofi
27 days ago @stocks
Morgan Stanley Upgrades SoFi from Underweight to Equal-Weight.
#SOFI #sofi #ownership #representing #holds #allocation
1 month ago @wallstreetbets
#SOFI #sofi #considering #yolo #student #loves
2 months ago @wallstreetbets
#SOFI #sofi #prediction #worried #hoping #wrong
2 months ago @investing
Opened up a Roth IRA account.
2 months ago @wallstreetbets
Just Bought $PSQ. Good idea?
2 months ago @wallstreetbets
Anyone else on team AFRM and SOFI?
#SOFI #sofi #afrm #team #else #anyone
2 months ago @stocks
Should I dump few losers I have left in the account : JMIA, SOFI, BB, UWMC
#SOFI #jmia #uwmc #sofi #indexes #losers
2 months ago @stocks
Block stock hit with UBS downgrade
2 months ago @options
Student loan plays?
#SOFI #student #loan #plays #around #sofi
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