A research filter, not a predictor — not financial advice. Grades rank growth stocks on evidence-based quality signals from end-of-day data; they are not buy/sell calls or price forecasts. Always do your own research.

SoFi Technologies, Inc. SOFI

Weak Fintech sector · Digital one-stop bank for younger customers — lending, investing and a banking charter.

Key quality signals

Revenue growth (YoY)32.1%

Gross margin76%

Gross profits / assets0.07

Rule of 4044.7

Net margin12.6%

Cash runway (months)19.9

PEG7

P/S4.1

Risk flags

Heavy dilution (~16%/yr) — top-decile share issuers have historically underperformed.Hyper-expansion — assets up ~42% in a year; aggressive expanders have historically lagged.

Positive signals

Growth accelerating — revenue growth sped up ~8 points year-on-year; acceleration is an early fundamental tell (annual data, so it's coarse).

Insider & analyst context

Insider 90-day: 1 cluster buyer(s), 2 seller(s). Insider selling is routine diversification, not a bearish signal.
Analyst mix: 6 strong-buy / 8 buy / 13 hold / 3 sell. Ratings are context, not a price target.

Similar Fintech names

Block, Inc.Affirm Holdings, Inc.Nu Holdings Ltd.PayPal Holdings, Inc.Coinbase Global, Inc.

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Data as of 2026-06-09 22:43 (end-of-day). How grades are computed →