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SOFI // SoFi Technologies Inc. Common Stock

DES <GO> NASDAQ CIK 0001818874 ↗
Financials • Finance: Consumer Services
$17.61 ▲ +0.47 (+2.74%)
MKT CAP: $22.74B • VOL: 65.40M
SOFI // ROARABLE RATING & 5-PILLAR RQD CONFIDENCE 02:00 EST DETERMINISTIC ENGINE
PRIOR: RQD 47/100 [D] (+0 PT) • UNCHANGED
ROARABLE D
RQD CONFIDENCE
47 / 100 +0D
5 X 20-PT QUANT PILLARS
E 0 D 35 C 59 B 70 A 86+
Roarable Sell — Underperform / Distribution Warning
01 MASSIVE / SEC XBRL
Forensic Fundamentals
[LOCKED] FLAGGED
UNLOCK BELOW TO REVEAL
02 OPRA GEX + SEC 13F
Whale & Options Flow
10 / 20
NEUTRAL
NET GEX +0% • CALL SWEEP 52% • P/C 0.61
03 SEC FORM 4 (90D)
Insider Conviction
[LOCKED] FLAGGED
UNLOCK BELOW TO REVEAL
04 FRED 90D r-MATRIX
Macro Regime Fit
6 / 20
CRITICAL
HEADWIND • r(10Y)=-0.04 (+23bp) • r(OAS)=-0.48
05 10-K REDLINE AUDIT
Forensic 10-K Risk
16 / 20
STRONG
20 BASE - 4 DEDUCT • 0 CRIT / 0 MED • STABLE
ALERT

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SIG <GO> CROSS-FEED TRIANGULATION // PROPRIETARY ANOMALY ENGINE (1 ACTIVE ON SOFI)
ALL MARKET ANOMALIES <SIG>
▼ BEARISH // F-RATED EARNINGS MIRAGE // ACCRUAL WATCHSIFTER 02 // ACCRUAL & RECEIVABLES FORENSICS
SEVERITY: 81/100 Z-SCORE: +2.23σ

SOFI Accounting Gap: Net Income (-3.5%) Outpaced OCF (-120%) With +3.5% Working-Capital Build

CASH CONVERSION GAP
+116.5% (NI vs OCF)
RECEIVABLES / WC BLOAT
+3.5% VS REV
60D C-SUITE FORM 4 SALES
0 OPEN-MKT DUMPS
[GEEK DESK FORENSIC NOTE // SEC XBRL × FORM 4 CROSS-CHECK]
SEC EDGAR XBRL CompanyFacts10-K/10-Q Working Capital ScheduleSEC Form 4 Executive Sales

SEC EDGAR XBRL triangulation on SoFi Technologies Inc. Common Stock (SOFI) exposes a +116.5% Cash Conversion Gap as YoY Net Income growth (-3.5%) diverged from Operating Cash Flow growth (-120.0%). Non-cash current assets and receivables expanded +3.5% relative to top-line revenue growth. Monitor upcoming 10-Q cash realization closely for accrual mean-reversion.

SOFI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.10%▼ DESCENDING CHANNEL
2026-10-30O $17.07H $17.32L $16.44C $16.76VOL 64.17M
RES: $19.20SUP: $13.66SMA50: $16.58SMA200: $17.79
$24.49$21.61$18.73$15.85$12.97RES $19.20SUP $13.66$16.762026-04-302026-06-152026-07-312026-09-162026-10-30
SOFI // INSTITUTIONAL BULL VS. BEAR FORENSIC DEBATE
NEUTRAL / PAIR TRADE CONVICTION: 47/100
BEAR 0
100 BULL

SoFi Technologies Inc. Common Stock (SOFI) exhibits 1.7% gross margins and 2.1% return on invested capital within Financials (Finance: Consumer Services), balanced against a 56.8x enterprise multiple and 7.3% implied options volatility.

▲ INSTITUTIONAL BULL THESIS (LONG)
01. Operating Leverage & Capital Efficiency Moat

Sustained 1.7% gross profitability converts into 75.0% operating margin and 2.1% ROIC, outpacing sector cost of capital.

ROIC: 2.1% // GM: 1.7%
02. Top-Line Expansion & Cash Conversion

YoY revenue trajectory of +23.1% paired with -16.58% free cash flow yield supports self-funded R&D and capital return.

REV YOY: +23.1% // FCF YLD: -16.58%
03. Balance Sheet Solvency & Forensic Quality

Altman Z-Score of 0.51 and Piotroski F-Score of 3/9 indicate low near-term refinancing stress.

ALTMAN Z: 0.51 // F-SCORE: 3/9
▼ INSTITUTIONAL BEAR THESIS (SHORT / RISK)
01. Multiple Compression & Duration Sensitivity

Trading at 47.3x trailing P/E (39.7x Fwd P/E) leaves valuation vulnerable if real 10Y TIPS yields spike.

P/E: 47.3x // EV/EBITDA: 56.8x
02. Options Skew & Event Volatility Risk

Options market prices a ±7.3% implied move with a 0.61 put/call ratio around $17.00 max pain.

IMPL MOVE: ±7.3% // P/C: 0.61
03. Competitive Margin & CapEx Cycle Pressure

Elevated industry capital intensity and customer concentration in Finance: Consumer Services require continuous execution to defend 68.0% net margins.

NET MARGIN: 68.0% // D/E: 1.61x
KEY CATALYST // Upcoming 10-Q/10-K XBRL margin progression, guidance revision vs 39.7x forward consensus, and institutional 13F positioning.
MACRO REGIME // Monitor US 10Y Real Yields (DFII10) and High-Yield Credit Spreads (OAS) for beta-adjusted multiple impact (Beta 1.13).
FORM 4 & 13F FLOW OPEN OWN <GO>
FILER SIDE $ VALUE
INSPECT FULL OWNERSHIP LEDGER IN OWN <GO>
UNUSUAL OPTIONS TAPE OPEN OPT <GO>
STRIKE / EXP TYPE PREMIUM
INSPECT GEX & CHAIN IN OPT <GO>
KEY VALUATION & PROFITABILITY RATIOS XBRL FA <GO>
TRAILING P/E 47.3x
FORWARD P/E 39.7x
EV / EBITDA 56.8x
FCF YIELD -16.58%
GROSS MARGIN 1.7%
OPERATING MARGIN 75.0%
NET MARGIN 68.0%
ROIC % 2.1%
REV GROWTH YOY +23.1%
DILUTED EPS TTM $0.37
DEBT / EQUITY 1.61x
DIVIDEND YIELD 0.00%
RSI-14 MOMENTUM 57.0
5Y EQUITY BETA 1.13
FRED MACRO SENSITIVITY (PEARSON r) ECST <GO>
MACRO CORRELATION CALIBRATION ACTIVE BELOW.
FRED MACRO REGIME STRESS-TEST SIMULATOR // SOFIPEARSON R VARIANCE ENGINE
01 // SELECT FEDERAL RESERVE & CREDIT SHOCK SCENARIO
02 // POSITION NOTIONAL EXPOSURE
HEADLINE STRESS SCORE
75/100SEVERE DRAWDOWN PRESSURE
PRIMARY FACTOR EXPOSURE
DFII10 // -0.61 r
Latest: 2.08%
EST. DIRECTIONAL MOVE
-8.50%
Implied Px: $16.11
EST. DOLLAR VARIANCE
-$4,248
On $50,000 Notional
[LOCKED // MULTI-FACTOR DRAWDOWN HEDGE & MACRO TRIGGER ALERT]

Unblur the exact $50,000 delta-adjusted ETF/options hedge ratio for SOFI & activate live FRED threshold breach alerts.
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