Company coverage · FINANCIAL SERVICES
SoFi Technologies Inc. SOFI
CREDIT SERVICES coverage with price history, portfolio records, theme ratings, and research entries pulled from the IntraAlpha data layer.
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Price, fundamentals, portfolio context, and research memory.
Latest snapshot: 2026-08-28T00:00:00. Position gain/loss: —.
189 trade records · 111 option records · 2024-03-13 → 2026-08-10SoFi's most critical competitive advantage is its national bank charter (obtained 2022). As fintech "sponsor bank" models face increasing FDIC/OCC scrutiny, SoFi's charter has become a genuine regulatory moat. The charter enables funding loans with…
SoFi is a digital-first platform with essentially no scarce physical assets. Its "assets" are the bank charter (regulatory, not physical), the technology platform, and the $37.5B deposit base.
Growth. Bank charter + $37.5B deposit base fund loan origination at 1/3 peer cost while Galileo/Technisys platforms monetize embedded finance across 100M+ third-party accounts. Primary assets. SoFi National Bank charter, $37.5B deposit base, Galileo…
Append-only ticker entries from the internal coverage database.
- SW 98 : HW 2
Growth. Bank charter + $37.5B deposit base fund loan origination at 1/3 peer cost while Galileo/Technisys platforms monetize embedded finance across 100M+ third-party accounts. Primary assets. SoFi National Bank charter, $37.5B d…
- Minimal
SoFi is a digital-first platform with essentially no scarce physical assets. Its "assets" are the bank charter (regulatory, not physical), the technology platform, and the $37.5B deposit base.
- Moderate-to-Strong (Regulatory)
SoFi's most critical competitive advantage is its national bank charter (obtained 2022). As fintech "sponsor bank" models face increasing FDIC/OCC scrutiny, SoFi's charter has become a genuine regulatory moat. The charter enables…
SoFi's most critical competitive advantage is its national bank charter (obtained 2022). As fintech "sponsor bank" models face increasing FDIC/OCC scrutiny, SoFi's charter has become a genuine regulatory moat. The charter enables funding loans with low-cost deposits rather than expensive warehouse lines, generating a net interest margin of 5.72%.
SoFi posted its first $1B revenue quarter in Q4 2025 and its ninth consecutive quarter of GAAP profitability. Management guides for $825M net income in 2026. The Galileo and Technisys platforms (banking-as-a-service) add a technology moat layer.
- manual · sw-hw
Growth. Bank charter + $37.5B deposit base fund loan origination at 1/3 peer cost while Galileo/Technisys platforms monetize embedded finance across 100M+ third-party accounts. Primary assets. SoFi National Bank charter, $37.5B d…
- manual · physical-assets
SoFi is a digital-first platform with essentially no scarce physical assets. Its "assets" are the bank charter (regulatory, not physical), the technology platform, and the $37.5B deposit base.
- manual · moat
SoFi's most critical competitive advantage is its national bank charter (obtained 2022). As fintech "sponsor bank" models face increasing FDIC/OCC scrutiny, SoFi's charter has become a genuine regulatory moat. The charter enables…
| Date | Action | Type | Relative size |
|---|---|---|---|
| 2026-08-10 | SELL | Equity | +100% |
| 2026-05-29 | SELL | CALL option | +17% |
| 2026-05-28 | BUY | Equity | +6% |
| 2026-05-28 | BUY | CALL option | +33% |
| 2026-05-28 | BUY | CALL option | +37% |
| 2026-05-27 | BUY | Equity | +11% |
| 2026-05-18 | BUY | Equity | +3% |
| 2026-05-07 | SELL | Equity | +17% |
| 2026-05-07 | BUY | Equity | +3% |
| 2026-05-07 | BUY | Equity | +2% |
| 2026-05-05 | BUY | Equity | +1% |
| 2026-05-05 | BUY | Equity | +6% |
| 2026-05-05 | BUY | Equity | +3% |
| 2026-05-04 | BUY | Equity | +2% |
| 2026-05-04 | EXPIRED | CALL option | 0% |
| 2026-05-01 | BUY | Equity | +1% |
| 2026-05-01 | BUY | Equity | +1% |
| 2026-04-30 | SELL | CALL option | +0% |
| 2026-04-29 | BUY | Equity | +34% |
| 2026-04-29 | BUY | Equity | +1% |
| 2026-04-29 | BUY | Equity | +2% |
| 2026-04-22 | BUY | Equity | +1% |
| 2026-04-21 | BUY | CALL option | +5% |
| 2026-04-20 | BUY | Equity | +2% |