SoFi Technologies Inc. SOFI
Company coverage
Research activity
SOFI 189 trade records · 111 option records · 2024-03-13 → 2026-08-10Moat
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 funding loans with…
Physical assets
MinimalSoFi 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.
Software / hardware
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…
- 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% |
Notes
Full portfolio moat / asset analysis
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%.
Full portfolio moat / asset analysis
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.