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Framler is a quantitative research platform - not a broker, investment advisor, or fiduciary. Nothing on this site constitutes a recommendation to buy, sell, or hold any security. All model outputs - scores, verdicts, intervals, predictions - are for informational and educational purposes only. Past performance does not guarantee future results. Invest at your own risk. Built on public data - SEC EDGAR, ClinicalTrials.gov, PubMed, Yahoo Finance, Finnhub, FMP.
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SoFi Technologies, Inc. (SOFI) company logo
Financial Services · NASDAQ
Calibration 4/4:●1d●7d●30d●90d

SOFI STOCK · SoFi Technologies, Inc. BullishMulti-factor aligned

$15.77-0.44%
~1-month outlook, not a day-trade. The score updates daily as the data changes — re-check weekly rather than reacting to a single day's move.
81
⚠Sector calibration · weak
Engine accuracy in Financial Services has been negative on recent rolling windows — the composite has read against the realised direction. Do not act on the composite alone. Rely on Confluence patterns, Insider clustering, and Options flow until the next calibration window restores edge.
AgreementMODERATE ALIGNMENT

Some factor streams agree, others diverge.

90% interval: [15–95]Top driver: Momentum
PATTERN HISTORY · 14Dhit rate 53.2%mean ret +1.65%n=5539Measured across every ticker that fired this setup — not this stock's own history.
OutlookTop decile — strong factor setup for this regime🔒 Sign in for number

Why SOFI scores 81

  • +Trading near its 52-week high (George-Hwang)
  • -Accrual quality weak — earnings ahead of cash flow
  • +Options market positioned bullishly (Pan-Poteshman)

Full report — sign in to unlock

🔒 Forward-Return Projection

Expected returns over 1 / 7 / 30 / 90 days with 90% confidence intervals, regime amplifier, pattern multiplier, copula tail-dependence — composed into one Bayesian distribution.

🔒 Full Factor Breakdown

Per-factor 0-100 scores across quality, value, momentum, PEAD, accruals, insider flow, NLP tone, options flow, short interest, sector momentum, factor interaction — plus the score waterfall.

🔒 Confluence Patterns

Active multi-factor patterns (QUALITY COMPOUNDER, VALUE TRAP, SHORT SQUEEZE, OVEREXTENDED, etc.) with academic basis and pattern delta against the raw composite.

🔒 Plain-English Explanation & Scenarios

Plain-English read of what the engine sees on this ticker today + what-if scenarios (price ±N%, regime flip, shock) replayed through the deterministic engine. No AI in the scoring path.

Unlock the full SOFI report
Free during early access · no credit card · 1,000+ stocks tracked daily
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How is this score built?Methodology →24 patterns →Research paper →Sector rotation →Track record →Glossary →Math coherence →

Were we right on SOFI? — 112 graded days

WE MADE A CALL ON 97 OF 112 DAYS — RIGHT 44 · WRONG 53
-15%-10%-5%0%+5%+10%+15%2026-04-22: no call (score 46) — stock went -17.55% over the next 7 days2026-04-23: we said UP (score 93), stock went -15.53% over the next 7 days — WRONG2026-04-24: we said DOWN (score 29), stock went -10.32% over the next 7 days — RIGHT2026-04-27: we said UP (score 76), stock went -12.15% over the next 7 days — WRONG2026-04-28: we said DOWN (score 20), stock went -14.61% over the next 7 days — RIGHT2026-04-29: we said DOWN (score 20), stock went -11.22% over the next 7 days — RIGHT
factor
🔒 Insider Flow & News Grid

90-day net SEC Form 4 dollar flow with size normalisation, plus filtered news headlines clustered by topic.

🔒 Watchlist & Virtual Trades

Add to watchlist for daily score alerts; place a paper trade with the engine's confidence dial frozen at entry; track P&L over 30 / 90 / 180 days against the verdict horizon.

2026-04-30: we said DOWN (score 20), stock went +3.06% over the next 7 days — WRONG2026-05-01: no call (score 49) — stock went -2.17% over the next 7 days2026-05-04: we said DOWN (score 29), stock went -1.03% over the next 7 days — RIGHT2026-05-05: no call (score 55) — stock went -0.75% over the next 7 days2026-05-06: no call (score 55) — stock went -4.43% over the next 7 days2026-05-07: no call (score 57) — stock went -1.72% over the next 7 days2026-05-08: we said UP (score 69), stock went -2.44% over the next 7 days — WRONG2026-05-11: we said UP (score 68), stock went -2.29% over the next 7 days — WRONG2026-05-12: we said UP (score 68), stock went -6.33% over the next 7 days — WRONG2026-05-13: we said UP (score 69), stock went +1.11% over the next 7 days — RIGHT2026-05-14: we said UP (score 69), stock went +2.22% over the next 7 days — RIGHT2026-05-15: we said DOWN (score 30), stock went -2.50% over the next 7 days — RIGHT2026-05-18: we said DOWN (score 33), stock went +2.37% over the next 7 days — WRONG2026-05-19: no call (score 50) — stock went +1.72% over the next 7 days2026-05-20: we said DOWN (score 31), stock went +6.17% over the next 7 days — WRONG2026-05-21: no call (score 53) — stock went +8.16% over the next 7 days2026-05-22: we said UP (score 70), stock went +16.42% over the next 7 days — RIGHT2026-05-25: no call (score 56) — stock went +18.95% over the next 7 days2026-05-26: we said DOWN (score 24), stock went +13.57% over the next 7 days — WRONG2026-05-27: we said DOWN (score 32), stock went +4.38% over the next 7 days — WRONG2026-05-28: we said DOWN (score 25), stock went +6.06% over the next 7 days — WRONG2026-05-29: we said UP (score 68), stock went -5.54% over the next 7 days — WRONG2026-06-01: we said UP (score 67), stock went -9.44% over the next 7 days — WRONG2026-06-02: we said UP (score 66), stock went -11.36% over the next 7 days — WRONG2026-06-03: we said UP (score 67), stock went -10.54% over the next 7 days — WRONG2026-06-04: we said UP (score 68), stock went -0.06% over the next 7 days — WRONG2026-06-05: we said DOWN (score 29), stock went -3.32% over the next 7 days — RIGHT2026-06-08: we said UP (score 68), stock went +6.86% over the next 7 days — RIGHT2026-06-09: we said DOWN (score 22), stock went +7.33% over the next 7 days — WRONG2026-06-10: we said UP (score 67), stock went +5.77% over the next 7 days — RIGHT2026-06-11: we said UP (score 74), stock went +12.85% over the next 7 days — RIGHT2026-06-12: we said DOWN (score 26), stock went +2.58% over the next 7 days — WRONG2026-06-15: we said UP (score 71), stock went +3.14% over the next 7 days — RIGHT2026-06-16: we said DOWN (score 22), stock went +0.93% over the next 7 days — WRONG2026-06-17: we said DOWN (score 32), stock went -2.26% over the next 7 days — RIGHT2026-06-18: we said UP (score 69), stock went -0.69% over the next 7 days — WRONG2026-06-19: we said DOWN (score 34), stock went -0.17% over the next 7 days — RIGHT2026-06-22: we said UP (score 68), stock went +1.56% over the next 7 days — RIGHT2026-06-23: we said DOWN (score 38), stock went +4.85% over the next 7 days — WRONG2026-06-24: we said DOWN (score 27), stock went +6.65% over the next 7 days — WRONG2026-06-25: we said UP (score 68), stock went +5.37% over the next 7 days — RIGHT2026-06-26: we said DOWN (score 21), stock went +7.57% over the next 7 days — WRONG2026-06-29: we said DOWN (score 30), stock went +4.08% over the next 7 days — WRONG2026-06-30: we said UP (score 70), stock went -2.42% over the next 7 days — WRONG2026-07-01: we said UP (score 71), stock went -1.12% over the next 7 days — WRONG2026-07-02: we said UP (score 72), stock went +0.98% over the next 7 days — RIGHT2026-07-03: we said DOWN (score 31), stock went +2.96% over the next 7 days — WRONG2026-07-06: we said DOWN (score 24), stock went -0.60% over the next 7 days — RIGHT2026-07-07: we said DOWN (score 25), stock went -0.32% over the next 7 days — RIGHT2026-07-08: we said DOWN (score 30), stock went +3.49% over the next 7 days — WRONG2026-07-09: we said DOWN (score 27), stock went -2.31% over the next 7 days — RIGHT2026-07-10: we said DOWN (score 27), stock went -7.20% over the next 7 days — RIGHT2026-07-13: we said UP (score 68), stock went -9.42% over the next 7 days — WRONG2026-07-14: we said DOWN (score 25), stock went -2.70% over the next 7 days — RIGHT2026-07-15: we said UP (score 68), stock went -7.98% over the next 7 days — WRONG2026-07-16: we said DOWN (score 21), stock went -6.83% over the next 7 days — RIGHT2026-07-17: we said DOWN (score 26), stock went -4.97% over the next 7 days — RIGHT2026-07-20: we said DOWN (score 26), stock went -2.31% over the next 7 days — RIGHT2026-07-21: we said DOWN (score 28), stock went -1.59% over the next 7 days — RIGHT2026-07-22: we said UP (score 69), stock went -13.55% over the next 7 days — WRONG2026-07-23: we said DOWN (score 28), stock went -3.51% over the next 7 days — RIGHT2026-07-24: we said DOWN (score 27), stock went -2.04% over the next 7 days — RIGHT2026-07-27: we said DOWN (score 27), stock went +9.54% over the next 7 days — WRONG2026-07-28: we said DOWN (score 30), stock went +10.78% over the next 7 days — WRONG2026-07-29: we said DOWN (score 23), stock went +9.02% over the next 7 days — WRONG2026-07-30: no call (score 49) — stock went +18.69% over the next 7 days2026-07-31: we said UP (score 67), stock went +11.60% over the next 7 days — RIGHT2026-08-03: we said UP (score 67), stock went +11.10% over the next 7 days — RIGHT2026-08-04: we said UP (score 65), stock went -0.28% over the next 7 days — WRONG2026-08-05: we said UP (score 67), stock went -4.06% over the next 7 days — WRONG2026-08-06: we said DOWN (score 16), stock went +0.99% over the next 7 days — WRONG2026-08-07: we said DOWN (score 24), stock went +1.05% over the next 7 days — WRONG2026-08-10: we said UP (score 70), stock went -0.38% over the next 7 days — WRONG2026-08-11: we said DOWN (score 22), stock went -2.54% over the next 7 days — RIGHT2026-08-12: we said DOWN (score 30), stock went +2.45% over the next 7 days — WRONG2026-08-13: we said DOWN (score 24), stock went -0.11% over the next 7 days — RIGHT2026-08-14: we said DOWN (score 29), stock went +2.60% over the next 7 days — WRONG2026-08-17: we said DOWN (score 40), stock went -0.27% over the next 7 days — RIGHT2026-08-18: no call (score 44) — stock went +3.77% over the next 7 days2026-08-19: no call (score 41) — stock went +6.68% over the next 7 days2026-08-20: we said UP (score 68), stock went +4.13% over the next 7 days — RIGHT2026-08-21: we said DOWN (score 34), stock went +0.78% over the next 7 days — WRONG2026-08-24: we said DOWN (score 31), stock went -5.45% over the next 7 days — RIGHT2026-08-25: no call (score 48) — stock went -6.52% over the next 7 days2026-08-26: we said UP (score 66), stock went -6.11% over the next 7 days — WRONG2026-08-27: we said UP (score 66), stock went -1.75% over the next 7 days — WRONG2026-08-28: we said UP (score 68), stock went -5.01% over the next 7 days — WRONG2026-08-31: we said DOWN (score 39), stock went -0.28% over the next 7 days — RIGHT2026-09-01: we said DOWN (score 25), stock went +0.73% over the next 7 days — WRONG2026-09-02: we said DOWN (score 32), stock went +1.64% over the next 7 days — WRONG2026-09-03: no call (score 41) — stock went -3.53% over the next 7 days2026-09-04: we said UP (score 65), stock went -6.43% over the next 7 days — WRONG2026-09-07: we said UP (score 65), stock went -3.13% over the next 7 days — WRONG2026-09-08: we said DOWN (score 24), stock went -6.31% over the next 7 days — RIGHT2026-09-09: we said DOWN (score 25), stock went -6.50% over the next 7 days — RIGHT2026-09-10: we said DOWN (score 20), stock went -3.46% over the next 7 days — RIGHT2026-09-11: we said DOWN (score 28), stock went -1.45% over the next 7 days — RIGHT2026-09-14: we said DOWN (score 25), stock went -2.02% over the next 7 days — RIGHT2026-09-15: we said UP (score 66), stock went -2.78% over the next 7 days — WRONG2026-09-16: we said UP (score 80), stock went -3.05% over the next 7 days — WRONG2026-09-17: we said DOWN (score 40), stock went -0.24% over the next 7 days — RIGHT2026-09-18: no call (score 41) — stock went -0.90% over the next 7 days2026-09-21: we said DOWN (score 40), stock went -6.07% over the next 7 days — RIGHT2026-09-22: we said UP (score 79), stock went -6.25% over the next 7 days — WRONG2026-09-23: we said UP (score 78), stock went -8.39% over the next 7 days — WRONG2026-09-24: no call (score 47) — stock went -4.29% over the next 7 daysApr 22Sep 24
we made a call and were rightwe made a call and were wrongno call that day

Each bar is what SOFI actually did over the 7 days after one of our published scores — up bars, the stock rose; down bars, it fell. A “call” is a day the score left the middle zone (above 60 = we said up, below 40 = we said down), and it's counted right only if the stock then moved our way. Faint bars are days we made no call — saying “we don't know” is allowed here. These are raw counts on one stock, far too few to prove skill either way — the serious, pre-registered test across all 1,001 stocks is the public bet.