SOFI15.27-0.36 (-2.28%) session● PRIOR SESSION CLOSE

SOFIcited research thesis

SOFI — what changed and why it matters

House verdict · SOFI · multi-desk debate + self-falsification

No sealed verdict on SOFI yet

No debate has been run on SOFI; debates rotate through a watchlist. The conviction call below is the signal engine’s output — one input to a debate, not a multi-desk verdict. Sealed debates on other names, each with its falsification check, are available.

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Individual · $49 a monthThe conviction call on SOFI — outside the public coverage list

Covered names include the conviction call in the sealed record at no charge. SOFI is outside public coverage; running the signal engine on it requires a seat. The panels above do not depend on it.

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PRE-EARNINGS THESIS — written 2026-08-13, before the 2026-10-27 earnings report; nothing below reflects that report. A refresh is queued for the session a covered name reports or moves sharply. A same-session re-derive is queued when a covered name prints or moves sharply; until the refreshed read lands, nothing below reflects that report.

0 of 9 figures below re-derived from a sourcewritten 2026-08-13

This thesis is 92 days old. Statements below are as of 2026-08-13.

SOFI — what moved and why today

Context (knowledge graph)

AtlasVector tracks 16 related entities for SOFI in its knowledge graph. ^[c1]

What changed

sell-side note Securities Maintains Hold on SoFi Technologies, Raises Price Target to $19
SoFi Technologies: Growth Is Not The Problem, Earnings Quality Is
SoFi Q2: The One-Stop Shop Held Through A Funding Freeze

Valuation spine (rich/cheap)

^[c5]

Key takeaways

sell-side note Securities Maintains Hold on SoFi Technologies, Raises Price Target to $19
SoFi Technologies: Growth Is Not The Problem, Earnings Quality Is
SoFi Q2: The One-Stop Shop Held Through A Funding Freeze

Headlines · SOFI AS OF 2026-11-14 02:23Z

11-12 16:59ZSOFI's Q3 Loan Originations Hit Record High: Can Growth Continue?Zacks Investment Research
11-13 17:41ZSoFi vs. Upstart: Which Fintech Stock is the Better Buy Right Now?Zacks Investment Research
11-13 14:26ZCircle Sees USDC Volume Surge: Can Momentum Last?Zacks Investment Research
11-12 21:49ZMastercard vs. SoFi Technologies: Which Financial Stock Is a Better Buy for 2027?The Motley Fool
11-11 17:24ZWhat Should Investors Do With Nu Holdings Ahead of Q3 Earnings?Zacks Investment Research
11-11 13:10ZSoFi's 4.40% Deposit Offer Could Be a Smart Move. Here's the Risk.The Motley Fool

Provenance

verdicts, debates and hash-chained audit seals recorded against SOFI

Instruments 1

SOFI2026-11-12

Session bars 5

SOFI · Thu Nov 12 session barSOFI2026-11-12
SOFI · Wed Nov 11 session barSOFI2026-11-11
SOFI · Tue Nov 10 session barSOFI2026-11-10
SOFI · Mon Nov 09 session barSOFI2026-11-09
SOFI · Thu Oct 29 session barSOFI2026-10-29

Screen metrics 1

SOFI · screen metrics · Thu Nov 12SOFI2026-11-12

7 recorded entities · 6 links. synthetic = the row is flagged as built on synthetic inputs; no provenance = the store holds no synthetic flag for the row. Unmarked rows are flagged non-synthetic. Chain seals list sequence number, event key and SHA-256 chain hash. Verify seal opens the verdict's proof panel, where the sealed record is re-hashed in the browser and compared against the seal.

Cited sources · 5

[c1]AtlasVector knowledge graphgraph context for SOFI

[c2]Newswiresell-side note Securities Maintains Hold on SoFi Technologies, Raises Price Target to $19

[c3]NewswireSoFi Technologies: Growth Is Not The Problem, Earnings Quality Is

[c4]NewswireSoFi Q2: The One-Stop Shop Held Through A Funding Freeze

[c5]AtlasVector valuation spineconsensus valuation

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