SOFI
Structural scoring is not meaningful for this business
Structural scoring uses gross margin, free cash flow and Altman Z — measures built for operating companies. For banks, insurers and asset managers they produce artifacts, because the cash-flow statement is dominated by lending and deposit flows rather than operations. Treat the structural and composite figures below as not comparable with other sectors, in either direction.
- Reported free cash flow is far outside the range an operating business can show, indicating balance-sheet rather than operating flows
Some scores are at the bottom of their range
This score sits at the bottom of the 0–100 range. The underlying calculation was negative, so the displayed value is a floor, not a measurement of zero.
- Structural Score: displayed 0, underlying value -4.1
Daily closes · 1Y (252 sessions) · -26.5% · range 15.15–32.21
Score trends appear once the scores have been recorded on more than one trading day.
The Businesswhat the company reports
Business & cash flow
| FCF / assets | -7.9% |
|---|---|
| OCF / assets | -7.4% |
| FCF / revenue | -103.6% |
| Gross margin | 83.7% |
| ROIC | 1.0% |
| Forward P/E | 22.9 |
FCF/assets and OCF/assets are the cash-flow measures Brown Bear's own testing found to survive; FCF/revenue is shown alongside for context. Assets are from the latest annual filing (FY2025).
Price vs Earnings growth
Forward EPS growth has outpaced trailing price return by +94.3pp
Confidence 95.0/100
Drivers
| Forward EPS growth | +67.8% |
|---|---|
| Trailing price return (1y) | -26.5% |
| Forward P/E compression | +40.4% |
Figures
| Trailing EPS | 0.49 |
|---|---|
| Forward EPS | 0.82 |
| Trailing P/E | 38.45 |
| Forward P/E | 22.91 |
Takeaway Earnings growth is outpacing price — consistent with the stock not yet fully reflecting its improving forward estimates.
Reported earnings
Revenue Net incomeEPS (GAAP) (-0.28–0.30, own scale) Derived Q4
12 quarters to Q1 26. Revenue and net income share one scale, so the gap between them is the margin. The baseline is zero — bars below it are losses. The line is GAAP EPS — it spans every quarter shown, where the reported figure only goes back as far as the consensus feed does.
| Quarter ending | Revenue | YoY | Net income | EPS (GAAP) | EPS reported | vs consensus | Filed |
|---|---|---|---|---|---|---|---|
| 2026-03-31 | 129.50m | -7.7% | 166.73m | 0.12 | 0.12 | -1.2% | 2026-05-07 |
| 2025-12-31 (derived) | 170.29m | +25.7% | 173.55m | 0.14 | 0.13 | +9.7% | 2026-02-17 |
| 2025-09-30 | 156.79m | +19.5% | 139.39m | 0.11 | 0.11 | +32.5% | 2025-11-06 |
| 2025-06-30 | 151.89m | +25.8% | 97.26m | 0.08 | — | — | 2025-08-07 |
| 2025-03-31 | 140.38m | +21.4% | 71.12m | 0.06 | — | — | 2025-05-06 |
| 2024-12-31 (derived) | 135.51m | +16.5% | 332.47m | 0.30 | — | — | 2025-02-24 |
| 2024-09-30 | 131.22m | +25.0% | 60.74m | 0.06 | — | — | 2024-11-07 |
| 2024-06-30 | 120.78m | +15.4% | 17.40m | 0.02 | — | — | 2024-08-06 |
| 2024-03-31 | 115.61m | — | 88.04m | 0.08 | — | — | 2024-05-07 |
| 2023-12-31 (derived) | 116.33m | — | 47.91m | 0.05 | — | — | 2024-02-27 |
| 2023-09-30 | 104.94m | — | -266.68m | -0.28 | — | — | 2023-11-08 |
| 2023-06-30 | 104.69m | — | -47.55m | -0.05 | — | — | 2023-08-08 |
Share count
Diluted shares Return since the previous filing
| Direction | Growing — shares issued |
|---|---|
| Diluted shares | 1,378.0M as at 2026-03-31 |
| Change over 1 year | +16.2% |
| Change over 3 years | +48.3% |
| Public float | $20.00bn as at 2025-06-30 (10-K) |
History before 2022-03-31 is not shown. The share count jumps at that date by a ratio no ordinary issuance produces — a split whose factor is not in Brown Bear's split store — so earlier figures are on a different basis and cannot be compared with today's.
The Pricewhat the chart is doingTop ↑
Price Levels
| Strategy | At Support Zone |
|---|---|
| Reference band | 17.57 — 18.10 |
| Protective stop | 15.99 (Atr, 10.3% risk) |
| Support | 17.74 (6 touches, 6.2% away) |
| Resistance | 19.18 (1.8% away) |
Takeaway The shares are nearer the ceiling than the floor: about 1.8% below 19.18, where sellers have turned up before, and 6.2% above 17.74, where buyers have stepped in before. That floor has held 6 times, which is how it was spotted. If someone bought at today's price and sold if it dropped through the level below, they would be about 10.3% out of pocket. That is all this figure means — an illustration of the risk, not a price to sell at.
Levels are computed from price structure. They describe where the engine locates support and extension — they are not targets, and not advice.
Ichimoku Cloud (Adaptive)
| Daily cloud | Price ABOVE the cloud | periods 9/26/51 (98% of classic 9/26/52) |
|---|---|
| Lines | Tenkan/Kijun BULL | cloud twist BULL |
| Cloud thickness | 34% percentile (thin — little structure to fight through) |
| Chikou span | Above price from 26 periods ago |
| Weekly cloud | Price INSIDE the weekly cloud (context only, not scored) |
Takeaway The stock is trading above its cloud — a shaded band drawn from several of its own moving averages, currently 17.31 to 17.56. Being above it means the medium-term picture is pointing upwards, and that band is the first place the stock has recent support if it slips back. Its shorter-term averages agree with that.
Trailing returns
| 21 days | +12.5% |
|---|---|
| 63 days | +16.5% |
| 126 days | -2.3% |
| 252 days | -28.0% |
| Below 252d high | 41.5% |
Trend context
| Position | Above trend |
|---|---|
| Extension | Normal |
| Trend slope | Rising |
| Direction of travel | Holding its deviation |
Takeaway The share price is above the level its own longer-run trend suggests is fair, and that fair level is climbing. The gap between the two has been fairly steady. Neither is stretched far enough to stand out.
Volatility
| State | In a squeeze |
|---|---|
| Current band width | 15.1% of price |
| Recent tightest | 15.1% (0 sessions ago, narrower than 82.0% of its history) |
| Expansion since | 1.00× |
| Band | 16.75 — 19.48 |
Takeaway Lately this share price has been swinging around inside a range roughly 15% wide, and it recently went unusually quiet — calmer than it has been 82% of the time. When a stock goes quiet like this, its next move tends to look big by comparison. But quiet says nothing about which way it will go: Brown Bear tested calm-before-a-move as a reason to buy, and it did not work.
Who's Tradingthe flow behind the priceTop ↑
Insider activity
| Activity | Insider selling |
|---|---|
| Buy filings | 0 |
| Sell filings | 1 |
| Shares sold | 11,286 |
| Value sold | $203.2k |
| Latest sell | 2026-08-20 |
| Filed | Insider | Shares | Value |
|---|---|---|---|
| 2026-08-20 | Sold Keough KelliEVP, GBUL, SIPS | 11,286 | $203,184 |
Open-market Form 4 purchases and sales over the last 75 days, read from SEC EDGAR Form 4. Grants, option exercises, gifts and shares withheld for tax are excluded — they are compensation mechanics, not a decision to buy or sell. Reported Form 4 activity. Brown Bear tested insider cluster-buying as a return signal and rejected it as era-unstable; shown as fact, not signal.
Volume confirmation
| Volume-price trend | Above its signal line |
|---|---|
| Confirmation | Marginal |
No absorption or distribution event in the recent window.
Takeaway Slightly more shares change hands on rising days than on falling ones, but the gap is too small to read anything into.
Options Positioning
No binary-event flag
SOFI: no binary-event flag. Near IV 50%, far IV 57% (ratio 0.88), implied move 5.9%.
| Implied volatility | 50% near (8d) · 57% far (85d) |
|---|---|
| Term structure | 0.88× near/far |
| Historical volatility | 56% |
| Implied vs historical | 0.89× |
| Implied move | ±5.9% by 2026-09-04 |
| Implied move vs ATR | 0.52× |
| Skew | Flat (1.09×) |
| Call wall | 20.00 (+4.6% away) |
| Put wall | 17.00 (-11.1% away) |
| Gamma pin | 20.00 |
Takeaway Insuring against a move in this stock costs less for the next few weeks than for the next few months, which is the normal state of affairs and suggests no particular date is worrying anyone. Options traders are positioned for a move of around 5.9% in either direction by 2026-09-04.
Chain as at 2026-08-27. This is a risk read on whether a specific event is being priced — not a directional view.
Context & Methodthe record, and how it was builtTop ↑
Relative Rotation
Mixed Rotation Phase
Rotation health 68.4/100; Positive Rotation.
| Rotation health | 68.4 |
|---|---|
| Rotation strength | 78.9 |
| Leg | Quadrant | RS-Ratio | RS-Mom |
|---|---|---|---|
| Stock vs sector | Weakening | 113.9 | 81.1 |
| Stock vs SPY | Weakening | 117.4 | 96.7 |
| Sector vs SPY | Improving | 92.5 | 124.1 |
Direction of travel: South-East / trend strong but momentum cooling
Position only. Brown Bear's RRG redesign programme is closed — five constructions, none beat an appropriate null — so this section describes where the name sits, and is not a signal.
News Headlines
- Loading headlines\u2026
Headlines are supplied by third-party feeds and are not written, ranked or interpreted by Brown Bear. They feed no score on this page.
Detailed Scoring
Positive signals
- Insider conviction score (+7.0)
- Gross margin quality: 83.7% (+6.0)
- FCF margin improving by -60.7 pts (+-0.9)
- Relative Strength 12.2% vs sector: OUTPERFORMING (+9.5)
- Track 2: MACD line/signal trend quality (+8.7)
- Track 2: positive MACD trend regime (+5.8)
- Track 2: MACD slope expanding (+2.9)
- Track 2: relative strength trend improving (+9.5)
- Track 2: 20-day momentum acceleration 0.38 (+30.2)
- Track 2: bullish DI spread 7.4 (+2.9)
- Track 2: ADX 25.2 and rising (+9.5)
- Track 2: price above EMA20 by 3.7% (+1.8)
- Track 2: EMA20 slope expanding 1.7% (+2.6)
- Track 2: VPT strength 0.04 (+0.9)
- Track 2: price above EMA50 by 5.8% (+2.7)
- Track 2: EMA50 slope improving 1.8% (+2.4)
- Track 2: Bollinger position 0.76 (+5.8)
- Regime convergence: SUPPORT_RESISTANCE_BOUNCE confidence 66.6/100 (EMERGING) (+13.3)
Negative signals
- Track 2: weak volume for momentum setup (0.72x average)
- Weak relative momentum rank (0.08)
- Track 2: Bearish MACD divergence
- Track 2: RSI deterioration/overheating 56.3, 5-day change -10.1
- Below-average Altman Z-score (1.44)
- Gross margin improving by -16.3 pts (+-0.9)
- ROIC improving by -0.4 pts (+-1.8)
- Track 2 structural exemption: Z-Score 1.44 below the 1.8 insolvency-risk floor and structural score 0.0/100 below the 25 quality floor; this is an unowned speculative candidate, so the universal SELL gate was skipped and the Track 2 momentum/RRG grid was allowed to evaluate instead. Structural quality here is weak by design for this kind of candidate -- treat any resulting BUY as higher risk than a Track 1 signal.
Chase risk is not elevated for this name, so extension penalties are omitted from the negative signals above.