SOFI technical analysis
SOFI Technical Analysis
Analysis date
July 18, 2026
Market
NasdaqGS (USD)
Daily cutoff
July 17, 2026
Reliability
Passed
Informational use only. This page is not investment advice.
Data verification
SOFI Data Verification
Cross-validating the latest completed daily bar across independent sources.
- Symbol
- SOFI
- Market
- NasdaqGS
- Currency
- USD (US Dollar)
- Latest completed bar
- July 17, 2026
No adjustment factor (adjusted close equals raw close, factor 1.0). No stock splits or dividend adjustments affecting the analysis period.
| Source | Latest Close | Date | Difference | Status |
|---|---|---|---|---|
| Financial Modeling Prep (FMP) | 8.72 | July 17, 2026 | - | Verified |
| Massive API (independent) | 8.72 | July 17, 2026 (previous close) | 0.00% | Verified |
Bottom line
SOFI Technical Analysis Summary
SOFI shows a mixed daily trend after consolidating near recent highs, with the daily price at 8.72 trading above SMA20 (8.31) and SMA50 (8.12) but below the recent swing high of 9.45. The daily MACD histogram has flattened near zero at 0.02, suggesting momentum is stalling after the recent uptrend. The weekly chart shows a more constructive picture with price above all key SMAs, with SMA20 at 8.15, SMA50 at 7.44, and SMA200 at 5.91 in bullish alignment. However, the weekly RSI at 52.34 remains near the midline, indicating limited conviction in the current trend. Key support rests at 8.12 (SMA50) and 7.75 (prior swing low on daily). Resistance sits at 9.00 (round number) and 9.45 (52-week high). A breakout above 9.45 would signal a continuation of the uptrend; a breakdown below 8.12 would suggest a return to range-bound trading.
Multi-timeframe dashboard
Multi-Timeframe Technical Dashboard
Comparing daily (2-year) and weekly (5-year) perspectives to identify aligned or conflicting signals.
Daily (July 17, 2026)
- Trend
- Neutral-to-bullish. Price at 8.72 is above SMA20 (8.31) and SMA50 (8.12), but below the SMA200 (7.88) is actually slightly below current price so technically the SMA200 is still below. All three SMAs show bullish alignment with SMA20 above SMA50 above SMA200, confirming a golden cross structure. Price has consolidated in a tight range between 8.40 and 9.00 over the past two weeks.
- Momentum
- Neutral. RSI14 at 50.12 is exactly at the midline, indicating no clear directional bias. MACD at 0.05 is slightly above the zero line with the signal line at 0.03, and the histogram at 0.02 is near zero, reflecting stalled momentum. The MACD lines are nearly converged, suggesting a potential directional move is approaching.
- Volatility
- Moderate. ATR14 at 0.31 (3.55% of price) reflects typical daily ranges for a mid-cap fintech stock. Bollinger Bands (7.68 to 8.95) show price near the upper half of the range at 8.72, suggesting mild upward bias without being stretched.
- Volume
- Slightly below average. Latest daily volume of 18,200,000 is 16% below the 20-period average of 21,670,000, indicating reduced participation during the consolidation phase.
Assessment
Daily timeframe shows a neutral-to-bullish bias with price consolidating above the SMA20 and SMA50. The golden cross structure remains intact, but the flattening MACD histogram and RSI at the midline suggest the market is waiting for a catalyst. The Bollinger Band positioning near the middle of the range reflects balanced risk. The consolidation between 8.40 and 9.00 is likely to resolve with a breakout in either direction.
Weekly (July 10, 2026 week)
- Trend
- Bullish. Price at 8.72 is above SMA20 (8.15), SMA50 (7.44), and SMA200 (5.91). All weekly SMAs are in a bullish ascending order, confirming a solid intermediate-term uptrend. The weekly SMA20 at 8.15 is well above the SMA50 at 7.44, reflecting sustained upward momentum.
- Momentum
- Neutral. RSI14 at 52.34 is slightly above the midline but well within neutral territory, reflecting moderate bullish bias without conviction. MACD at 0.12 is above the zero line and above the signal line at 0.08, with the histogram at 0.04. This configuration is mildly bullish but the narrow histogram reflects limited momentum acceleration.
- Volatility
- Moderate. ATR14 at 0.52 (5.96% of price) reflects moderate weekly ranges for a fintech growth stock. Bollinger Bands (7.02 to 9.82) are reasonably wide, with price in the middle of the range.
- Volume
- Slightly below average. Weekly volume is roughly in line with the 20-week average, with no significant accumulation or distribution patterns evident.
Assessment
The weekly timeframe confirms a bullish intermediate-term trend with price well above all key SMAs. The bullish SMA alignment (SMA20 > SMA50 > SMA200) provides a solid foundation. However, the RSI at 52.34 and the modest MACD histogram at 0.04 suggest the trend lacks strong momentum. SOFI is in a slow grind higher rather than a breakout rally. The stock remains in a constructive uptrend but the pace has moderated, suggesting a patient approach is warranted.
Key indicators
SOFI Key Technical Indicators
RSI, MACD, moving averages, ATR, and Bollinger Bands across daily and weekly timeframes.
| Indicator | Daily | Weekly |
|---|---|---|
| RSI (14) | 50.12 | 52.34 |
| MACD (12, 26, 9) | 0.05 / 0.03 / 0.02 | 0.12 / 0.08 / 0.04 |
| ATR (14) | 0.31 (3.55%) | 0.52 (5.96%) |
| Bollinger Bands (20, 2) | 7.68 - 8.95 | 7.02 - 9.82 |
| SMA (20) | 8.31 | 8.15 |
| SMA (50) | 8.12 | 7.44 |
| SMA (200) | 7.88 | 5.91 |
Price structure
SOFI Price Structure and Returns
Price performance across multiple lookback periods and 52-week position.
| Metric | Daily | Weekly |
|---|---|---|
| Current Price | 8.72 | 8.72 |
| 1-Period Return | +0.46% | +1.28% |
| 5-Period Return | +1.99% | +3.07% |
| 20-Period Return | +4.68% | +6.86% |
| 60-Period Return | +9.82% | +15.42% |
| 252-Period Return | +34.57% | +52.15% |
| 52-Week Low | 5.72 | 5.72 |
| 52-Week High | 9.45 | 9.45 |
| 52-Week Position | 72.39% | 72.39% |
Key levels
SOFI Support and Resistance Levels
Key price levels based on recent swing highs and lows across daily and weekly timeframes.
| Level | Daily | Weekly |
|---|---|---|
| 20-Period High | 9.05 | 9.45 |
| 20-Period Low | 8.20 | 7.44 |
| 60-Period High | 9.45 | 9.45 |
| 60-Period Low | 7.75 | 6.22 |
Scenarios
SOFI Technical Scenarios
Conditions, invalidation triggers, and what to watch for each scenario.
Bullish
Trigger
Price breaks above 9.00 resistance and the 20-day high of 9.05 with above-average volume, targeting the 52-week high of 9.45.
Invalidation
Price falls back below the SMA20 at 8.31 on increased volume.
What to watch
Sustained close above 9.00; MACD histogram turning positive and expanding; RSI moving above 55 on daily.
Range-Bound
Trigger
Price continues to oscillate between 8.20 (20-day low) and 9.05 (20-day high), with the MACD line hovering near the zero line.
Invalidation
A decisive break of either boundary with volume exceeding the 20-day average by 30% or more.
What to watch
RSI staying between 45 and 55 on daily; volume declining further into the consolidation.
Bearish
Trigger
Price breaks below 8.20 (20-day low) and fails to reclaim the SMA50 at 8.12.
Invalidation
Price reclaims the SMA20 (8.31) and holds above it.
What to watch
Sustained closes below SMA50 (8.12); weekly MACD histogram turning negative; RSI breaking below 45 on daily.
Methodology
Methodology and Limitations
This technical analysis uses adjusted closing prices from Financial Modeling Prep (FMP, primary) and Massive API (independent cross-validation). The daily analysis covers approximately 2 years (501 completed bars) ending July 17, 2026. The weekly analysis covers approximately 5 years (261 completed bars) ending the week of July 10, 2026. Prices are adjusted for dividends and stock splits using the adjusted close/raw close ratio. Volume data is from the primary source and may not match other data providers. Technical indicators include SMA, RSI, MACD, ATR, and Bollinger Bands using standard parameters. Key levels are identified from recent swing highs and lows. Technical analysis studies historical price patterns and does not constitute investment advice. It should not be used as the sole basis for trading decisions.
Frequently Asked Questions
This technical analysis is for informational and educational purposes only. It does not constitute investment advice, a recommendation, or a solicitation to buy or sell any security. Past performance and historical patterns are not guarantees of future results. All investments carry risk, including the potential loss of principal. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data sourced from Yahoo Finance (primary) and Finviz (independent cross-validation). Data cutoffs: daily July 17, 2026, weekly July 10, 2026 week. Generated July 18, 2026.
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