SOFI Stock Analysis: SoFi Technologies, Inc.

Updated Nov 3, 2026, after the Nov 2 close. Nasdaq, Credit Services. Refreshed every trading day from the latest close.

$16.60 -0.95% Nov 2 close

The short answer

As of the Nov 2, 2026 close, QuantivFlow's Trend algo rates SOFI EXIT on the short-term (daily) horizon, a stance it has held since Oct 13, 2025 at $27.14. The mid-term (weekly) and long-term (monthly) horizons read EXIT and BUY. The Rebound algo's last dip trade closed on Mar 27, 2026 at $15.23; it holds no dip position now. The Patterns algo sees a descending channel on the daily chart that broke out on Oct 28, 2026 at $16.54, with a measured target about 19% higher. The daily RSI (14) is 56, and the price sits 0.4% above the 50-day average and 6.4% under the 200-day.

Three algos, three opinions is normal: Trend follows the established direction, Rebound buys sharp dips inside it, Patterns reads the chart shape. Not investment advice.

What Trend meansA trend-following algo. BUY while an uptrend holds on that horizon, EXIT when it breaks. Long only, judged on daily, weekly and monthly candles.
What Rebound meansA dip-buying algo. BUY after a sharp short-term drop in an otherwise healthy stock, EXIT once price closes back above its 12-day average. Short term and Mid term profiles.
What Patterns meansA chart-shape detector. Finds wedges, double tops and bottoms, cup and handle and more, marks the breakout or breakdown and measures the textbook price target. Full method

Trend

rides uptrends, long only
Short term (daily)EXIT
Mid term (weekly)EXIT
Long term (monthly)BUY

Daily EXIT since Oct 13, 2025 at $27.14. Weekly EXIT since Jun 26, 2026 at $17.88. Monthly BUY since Apr 2025.

Rebound

buys sharp dips
Short termEXIT
Mid termEXIT

Short term: the last dip trade closed on Feb 3, 2026 at $21.76; no open dip position. Mid term: the last dip trade closed on Mar 27, 2026 at $15.23; no open dip position. The exit comes when price closes back above its 12-bar average or after 10 bars.

Patterns

chart shapes with targets
Daily: Descending channelBREAKOUT

The descending channel on the daily chart broke out on Oct 28, 2026 at $16.54, measured target 19.2% higher (about $19.71).

Daily indicators at the Nov 2 close

Read from the daily chart. The weekly and monthly readings are in the app.

MomentumValueRead
RSI (14)55.5neutral
MACD / signal0.09 / -0.24above signal, falling
ADX (14)25.5trending
+DI / -DI30.1 / 17.0buyers lead
ATR (14)0.804.8% of price
Price levelsValuevs price
SMA 2015.47+7.3%
SMA 5016.53+0.4%
SMA 20017.74-6.4%
Bollinger (20, 2)13.54 to 17.40inside the bands
52-week range13.86 to 32.7315% of range
Volume54.4M1.0x the 20-day average

How the algos have done on SOFI

Closed signals on this stock, from each algo's own history on the horizon named. Past results do not guarantee future results.

Trend, short term (2.9y)
40%win rate
+23.5%avg per trade
5closed trades
Trend, mid term (5.8y) Not enough closed trades on this stock yet (2 so far; 5 needed).
Trend, long term (5.8y) Not enough closed trades on this stock yet (0 so far; 5 needed).
Rebound, short term (2.8y)
70%win rate
-1.3%avg per trade
10closed trades
Rebound, mid term (5.8y) Not enough closed trades on this stock yet (4 so far; 5 needed).
Patterns, all horizons (2y) Not enough measured breaks on this stock yet (1 detected; 5 needed).

Recent signals on SOFI

DateAlgoHorizonSignalPriceNote
2026-10-28PatternsDaily Descending channel breakout 16.54target +19.2%
2026-06-26TrendMid term EXIT 17.88closed the BUY from $10.18 at +75.6%
2026-03-27ReboundMid term EXIT 15.23closed the BUY from Jan 16 at -41.7%
2026-02-03ReboundShort term EXIT 21.76closed the BUY from Jan 20 at -14.6%
2026-01-20ReboundShort term BUY 25.49
2026-01-16ReboundMid term BUY 26.13
2026-01-02ReboundShort term EXIT 27.46closed the BUY from Dec 31 at +4.9%
2025-12-31ReboundShort term BUY 26.18
2025-12-19ReboundShort term EXIT 27.24closed the BUY from Dec 9 at +1.5%
2025-12-09ReboundShort term BUY 26.83

The full SOFI analysis is in the QuantivFlow app

  • The descending channel drawn on the chart, with its $19.71 target
  • RSI, MACD, ADX, moving averages, Bollinger Bands and volume, read for you
  • How each algo has done on SOFI: win rate, average gain, every past signal
  • A push notification the day a signal or pattern changes

Free on both stores. Scan the code with your phone, or search "QuantivFlow".

Free on the App Store and Google Play. Not installed? The button takes you to the store.

Questions about SOFI

Is SOFI in an uptrend right now?

On monthly candles, yes; not on the others. The daily horizon is EXIT since Oct 13, 2025. The weekly horizon is EXIT since Jun 26, 2026. The monthly horizon is BUY since April 2025. Trend is long only: BUY means the uptrend holds on that horizon, EXIT means it broke.

Is SOFI oversold?

No. The daily RSI (14) closed at 55.5; the classic oversold line is 30.

What chart pattern is SOFI forming?

The descending channel on the daily chart broke out on Oct 28, 2026 at $16.54, measured target 19.2% higher (about $19.71).

Where is SOFI's 200-day moving average?

$17.74 at the Nov 2, 2026 close, with the stock at $16.60, 6.4% below it. The 50-day average is $16.53, 0.4% below the price.

Is SOFI a buy today?

QuantivFlow does not give advice. It shows what each algo sees: Trend is EXIT on the daily horizon, Rebound holds no dip position, Patterns sees a descending channel that broke out with a target 19% higher. How you weigh the three depends on your horizon and risk tolerance; past signals do not guarantee future results.

Other financial services stocks

Generated by QuantivFlow after every trading day from the same scan that powers the app. Signals describe what the algos observed on end-of-day data, not what you should do. QuantivFlow is not a broker or an investment adviser. Trading involves risk, including the loss of principal.

Data as of Nov 2, 2026 close. Page updated Nov 3, 2026 15:25 UTC. Machine-readable version: quantivflow.com/stocks/SOFI.json