Deep Dive Ticker Tape
Article published Mar 10, 2026. Prices below use latest available snapshots.
Conviction: Low-Medium (new — fintech, rate-sensitive) Status: Watching — RSI 16.8 (stale from 02/02), -24.6% 30D, extreme oversold
Data note: OHLC data last updated 2026-02-02. All readings are as of that date.
Quick Snapshot
| Signal | Reading |
|---|---|
| Overall | 🔴 RSI 16.8 (stale — 02/02) — extreme oversold. Price $22.08, -24.6% 30D. SMA20 $25.98. Price -15.0% below SMA. |
| Moat | Narrow (digital banking network, student loan refinancing brand) |
| Key insight | SOFI data is 5+ weeks stale. RSI 16.8 is extreme but SOFI has a history of -50% drawdowns. Rate sensitivity is the key risk. The bank charter (2022) is a differentiator. Need current data urgently — real price may be materially different. |
Action Matrix
| Action | Level | Why |
|---|---|---|
| Current | 🔍 Research / Watch | RSI extreme, data stale 5+ weeks. Rate-sensitive fintech. |
| Entry Zone | $20 - $24 | Based on stale data |
| Stop-Loss | $17 (-23%) | Below major support |
| Target | $30 (+36%) | Recovery toward SMA |
Price Data
| Stock | Price | 1D | 7D | 30D | 3M | 52wkHi | RSI | Status | Action |
|---|---|---|---|---|---|---|---|---|---|
| SOFI | $22.08 | -3.2% | -14.4% | -24.6% | — | -26.1% | 17↓ | 🔴 Extreme Oversold | 🔍 Research |
Note: Data last updated 2026-02-02. All values stale.
Company Overview
One-Liner
SoFi Technologies is a digital financial services company offering student loan refinancing, personal loans, mortgages, investing, and banking to high-income professionals.
Business Model
| Question | Answer |
|---|---|
| What they sell | Student loan refinance, personal loans, mortgages, SoFi Invest, SoFi Bank, SoFi Credit Card |
| Who pays | High-income earners, young professionals (HENRY segment) |
| Revenue model | Net interest income, fee income, subscription (SoFi Plus) |
| How sticky | Moderate — multiple products reduce churn; bank deposits create stickiness |
Competitive Analysis
| Moat Type | Present? | Evidence |
|---|---|---|
| Switching costs | 🟡 | Low friction switching; multiple products reduce churn |
| Intangible assets | 🟡 | SoFi brand in student loan refinancing |
| Bank charter | 🟢 | 2022 FDIC charter = access to deposits for cheaper funding |
Moat Width: Narrow Moat Trend: Potentially widening with bank charter
Bull Case
- Bank charter — Cheaper funding for loans.
- HENRY segment — High-income, low-risk customers.
- Multiple product retention — 2+ products = much higher retention.
- RSI 16.8 — Extreme oversold bounce expected.
- Rate environment — Any Fed rate cuts benefit NIM.
Bear Case
- Rate sensitivity — Higher rates suppress refinancing demand.
- Student loan policy — Government forgiveness threatens core business.
- Credit quality risk — Recession increases defaults.
- Competition — LendingClub, Marcus, traditional banks.
- History of -50% drawdowns — Volatile track record.
Research Log
| Date | Update |
|---|---|
| 2026-03-03 | NEW — RSI 16.8 (stale, 02/02). -24.6% 30D. Provisional: Research/Watch. |
| 2026-03-10 | Data still stale (02/02) — 5+ weeks. |
The Gold
Open Questions
- CRITICAL: Current price/RSI unknown
- What caused the -24.6% 30D? (Earnings miss? Rate outlook?)
- What is student loan refinancing volume trend in 2026?
- Is the bank charter generating meaningful NIM improvement?
- What is current member count and cross-sell rate?