SOFI
SoFi Technologies Inc. Financial Services - Fintech Investor Relations →
SoFi Technologies Inc. (SOFI) closed at $16.90 as of 2026-03-20, trading 46.2% above its 200-week moving average of $11.56. The stock is currently moving closer to the line, down from 54.3% last week. With a 14-week RSI of 11, SOFI is in oversold territory.
Trading volume is running at 1.9x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.85 ratio) is neutral — neither side is clearly dominating.
Over the past 223 weeks of data, SOFI has crossed below its 200-week moving average 2 times. On average, these episodes lasted 74 weeks. The average one-year return after crossing below was -68.3%, suggesting these dips have not historically been reliable buying opportunities for this stock.
With a market cap of $21.6 billion, SOFI is a large-cap stock. Return on equity stands at 5.7%. The stock trades at 2.0x book value.
Share count has increased 36.1% over three years, indicating dilution.
Over the past 4.3 years, a hypothetical investment of $100 in SOFI would have grown to $107, compared to $145 for the S&P 500. SOFI has returned 1.6% annualized vs 9.0% for the index, underperforming the broader market over this period.
Free cash flow has been volatile over the past several years, making the quality of earnings harder to assess.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: SOFI vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After SOFI Crosses Below the Line?
Across 2 historical episodes, buying SOFI when it crossed below its 200-week moving average produced an average return of +3.0% after 12 months (median +77.0%), compared to +0.0% for the S&P 500 over the same periods. 50% of those episodes were profitable after one year. After 24 months, the average return was -37.0% vs +3.0% for the index.
Each line shows $100 invested at the moment SOFI crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
SOFI has crossed below its 200-week MA 2 times with an average 1-year return of +-68.3% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Dec 2021 | Oct 2024 | 148 | 66.4% | -68.3% | +15.4% |
| Mar 2025 | Apr 2025 | 1 | 1.1% | N/A | +76.6% |
| Average | 74 | — | +-68.3% | — |
Frequently Asked Questions
Is SOFI below its 200-week moving average?
No. SoFi Technologies Inc. (SOFI) is currently 46.2% above its 200-week moving average of $11.56. It would need to fall to $11.56 to cross below the line.
What is SOFI's 200-week moving average price?
SoFi Technologies Inc.'s 200-week moving average is $11.56 as of 2026-03-20. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when SOFI drops below its 200-week moving average?
SOFI has crossed below its 200-week moving average 2 times in our data. The average one-year return after these crossings was -68.3%, meaning the dips were not reliable buying signals for this particular stock. These episodes lasted 74 weeks on average.
Is SOFI a good value right now?
Here's what our data says about SOFI as of 2026-03-20: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 11 (oversold). Return on equity is 5.7%. Price-to-book is 2.0x. This is not a buy or sell recommendation — always do your own research.
How does SOFI compare to the S&P 500?
Over the past 4.3 years, $100 invested in SOFI would have grown to $107, compared to $145 for the S&P 500. That's 1.6% annualized vs 9.0% for the index. SOFI has underperformed the broader market over this period.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-03-20