SOFI
Market read
SOFI accounts for 1.2% of the group's measured movement across 1.5 effective names. all 4 measured members are falling in raw terms, but 2 of 4 SPY-adjusted paths align to the upside. Capital-flow agreement is 23%, so confirmation is not yet clean. No verified headline preceded the measured group move.
UPST, AFRM, DAVE moved materially before SOFI. SOFI crossed its material path threshold at 09:40 ET, 1075 minutes after the first measured mover.
4 of 4 members in Digital Consumer Lending are active. 1 of 6 disclosed connections are confirming.
Invalidation: The live read weakens if participation falls to 1 of 4 members or fewer.
Research brief
SOFI accounts for 1.2% of the group's measured movement across 1.5 effective names. all 4 measured members are falling in raw terms, but 2 of 4 SPY-adjusted paths align to the upside. Capital-flow agreement is 23%, so confirmation is not yet clean. No verified headline preceded the measured group move.
No thresholded supportive filing evidence is available yet.
No thresholded adverse filing evidence is available yet.
Company research
Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.
Reported annual revenue and per-share history. This is accounting history, not a forecast.
What management says matters
“Net interest income Net interest income in our Financial Services segment increased by $55.7 million, or 29%, and $110.3 million, or 30%, for the three and six months ended June 30, 2026 compared to the same periods in 2025, which was primarily attributable t…”10-Q · Aug 6, 2026 ↗
“Demand from our Loan Platform Business has remained robust as partners continue to leverage our customer acquisition and operational capabilities to originate loans at scale, as well as increased demand driven by expanded advertising and marketing efforts.”10-Q · Aug 6, 2026 ↗
“We view servicing as an integral component of the Lending segment, as we believe our servicing function is an important asset because of the connection to the member it affords us throughout the life of the loan thereby enhancing the effectiveness of our Fina…”10-Q · Aug 6, 2026 ↗
“We view servicing as an integral component of the Lending segment, as we believe our servicing function is an important asset because of the connection to the member it affords us throughout the life of the loan thereby enhancing the effectiveness of our Fina…”10-Q · Aug 6, 2026 ↗
Valuation discipline
Price/sales 31.8× · EV/sales 23.8×. Comparisons use only industry-matched filing peers.
Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.
Price action
Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 1 Oct, 14:00 GMT-4; this is a coverage limitation, not a flat-price conclusion.
Developments
Jodie has not returned a relevant primary source or news item for SOFI. This is an evidence-coverage gap, not a conclusion that nothing material happened.
Business and financial condition
Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.
Filing analysis
Jodie has not yet found a suitable current-versus-prior filing comparison for SOFI. This does not mean the latest filing was neutral or immaterial.
Business ecosystem
Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.
Depends on
“During the first quarter of 2026, we began minting SoFiUSD and entered into a partnership with Mastercard to support future settlement capabilities across its global payments network.”
“In addition to launching a rewards debit program with Wyndham Hotels and Resorts in the first quarter of 2025, we signed an additional two travel and hospitality companies that are expected to launch before the end of this year.”
Depended on by
“Private education and consumer loan servicing 22,733 12,959 45,426 25,577 Increase was due to an increase in loan servicing volume from the conversion of Discover Financial Services and SoFi Lending Corp.”
Filing peers
Companies whose filings use similar operating language.
Open the three relationships above to see Jodie’s filing proof. Pro unlocks 4 more links, every receipt, and alerts when connected names begin moving. Unlock the full network →
What is moving around it
SOFI is currently a Leader in the organic co-movement group Digital Consumer Lending. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 3 filing-linked names are in the relationship map; none is currently confirmed as moving with the group.
Context history
No durable theme membership has been observed for this name yet.