Deep Dive Ticker Tape
Article published Mar 11, 2026. Prices below use latest available snapshots.
SOFI Price Structure
Loading chart…
Loading timeframes…
Conviction: Low-Medium Status: FRESH DATA — RSI 35.8, price $18.29, recovered from RSI 16.8, below SMA
Quick Snapshot
| Signal | Reading |
|---|---|
| Overall | 🟡 RSI 35.8 (computed, FRESH) — approaching oversold. Price $18.29, -2.7% today, +5.6% 7D, -11.0% 30D. SMA20 ~$19.10 — price -4.2% below SMA. |
| Moat | Narrow (digital banking network, bank charter) |
| Key insight | SOFI data is now FRESH after 5+ weeks stale. RSI recovered from extreme 16.8 to 35.8. Price dropped significantly from $22.08 (stale) to $18.29 (-17.2%). The stale data masked continued deterioration. Rate sensitivity remains the key risk. At RSI 36 below SMA, this is approaching oversold but not yet at the extreme levels that warrant action. |
Action Matrix
| Action | Level | Why |
|---|---|---|
| Current | 🔍 Watch | RSI 36, below SMA, rate-sensitive. Wait for stabilization. |
| Entry Zone | $16 - $20 | Current $18.29 — IN ZONE (if thesis validates) |
| Stop-Loss | $13 (-29%) | Below major support |
| Target | $26 (+42%) | Recovery toward SMA range |
Extended analysis
Price Data
| Stock | Price | 1D | 7D | 30D | 3M | RSI | Status | Action |
|---|---|---|---|---|---|---|---|---|
| SOFI | $18.29 | -2.7% | +5.6% | -11.0% | -32.4% | 36 | 🟡 Approaching Oversold | 🔍 Watch |
Price vs Last Deep Dive (03/10 stale)
| Metric | 03/10 (stale) | 03/11 (fresh) | Change |
|---|---|---|---|
| Price | $22.08 (stale) | $18.29 | -$3.79 (-17.2%) |
| RSI | 16.8 (stale) | 35.8 | +19.0 (recovery but price much lower) |
Update from 03/10: FRESH DATA reveals significant deterioration masked by stale data. Price dropped -17.2% from the stale reading. RSI recovered from 16.8 to 35.8 but at much lower price levels. The 3M -32.4% shows severe selling. Rate sensitivity and fintech headwinds are real. Watch but don't rush — thesis needs validation.
Company Overview
One-Liner
SoFi Technologies is a digital financial services company offering lending, investing, and banking to high-income professionals.
Bull Case
- Bank charter — Cheaper funding for loans.
- RSI recovery from 17 — Bottom may be forming.
- HENRY segment — High-income, low-risk customers.
Bear Case
- -32.4% 3M — Severe selling pressure.
- Rate sensitivity — Higher rates suppress refinancing.
- History of -50% drawdowns — Volatile track record.
- Credit quality risk — Recession increases defaults.
Research Log
| Date | Update |
|---|---|
| 2026-03-03 | NEW — RSI 16.8 (stale, 02/02). -24.6% 30D. Watch. |
| 2026-03-10 | Data still stale (5+ weeks). |
| 2026-03-11 | FRESH DATA. $18.29. RSI 35.8 (computed). Price -17.2% from stale reading. Watch. |
The Gold
Key Discoveries
| Discovery | Implication |
|---|---|
| Stale data masked -17.2% additional decline | Real picture much worse than stale data showed |
| RSI recovered but at much lower price | Bottom may be forming at $18 level |
| 3M -32.4% | Among worst performers in our coverage |
Open Questions
- What is driving the continued selloff?
- What is student loan refinancing volume trend?
- Is the bank charter generating meaningful NIM improvement?