Price, fundamentals, portfolio context, and research memory.
Data through2026-08-28
Observed price path$18.06
Activity+112.0%
Portfolio contextTracked position
Latest snapshot: 2026-08-28T00:00:00. Position gain/loss: —.
189 trade records · 111 option records · 2024-03-13 → 2026-08-10 moatModerate-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 / assetsMinimal
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.
sw / hwSW 98 : HW 2
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…
Research memory98 coverage entries
Append-only ticker entries from the internal coverage database.
SW 98 : HW 2
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…
Minimal
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.
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…
Research archiveMoat and asset 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.
Coverage feedLatest entries
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…
Trade feedRecent records
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%
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