SOFIUSDT Stock Price Today: Live SoFi Data

Exchange: Bybit | Pair: SOFIUSDT | Asset Type: Perpetual Futures Contract

[LIVE PRICE WIDGET: Auto-refreshing every 60 seconds. Displays SOFIUSDT price, 24H change, 24H high/low, 24H volume in USDT, and SOFI NASDAQ price side-by-side with live price differential. Last Updated: [timestamp ET]]

This page is for informational purposes only and does not constitute investment advice. Past performance is not indicative of future results.

SOFIUSDT is trading at $[X.XX] on Bybit as of [timestamp ET], tracking SOFI on NASDAQ in near-real time. All price data refreshes automatically, with no page reload required. The SOFI stock price today live feed embedded above reflects both the Bybit perpetual contract and the underlying NASDAQ equity price side-by-side.

SOFIUSDT Live Price Chart

[INTERACTIVE CHART WIDGET: TradingView BYBIT:SOFIUSDT, default view: 1D candlestick with MA-50 and MA-200 overlays. Timeframe selector: 1H, 4H, 1D, 1W, 1M. Volume overlay enabled. Toggle available between SOFIUSDT (Bybit) and SOFI NASDAQ data.]

SOFIUSDT is trading [above/below] its 50-day moving average as of [date], with [bullish/bearish] price structure visible on the daily candlestick chart. Key support and resistance levels identified in the technical analysis section below provide additional context for interpreting current price action. Chart data sourced from SOFIUSDT chart on TradingView (as of [date]).

What Is SOFIUSDT? Understanding the SoFi Technologies Trading Pair

SOFIUSDT is a USDT-margined perpetual futures contract on Bybit that tracks the price of SoFi Technologies, Inc. (NASDAQ: SOFI) denominated in Tether (USDT), a USD-pegged stablecoin. The SOFIUSDT price closely tracks the NASDAQ spot price of SOFI, giving crypto traders equity price exposure without opening a stock trading account. For a beginner-friendly explanation, see what SOFIUSDT is and how it works.

SOFIUSDT is available for trading on Bybit. Bybit's perpetual contract mechanism allows traders holding USDT liquidity to take leveraged positions in equity-price-tracking instruments directly within a crypto derivatives interface. SOFI stock current value is reflected in near-real time through the perpetual's index price mechanism.

What Is USDT (Tether)?

Tether (USDT) is a stablecoin issued by Tether Operations Ltd., designed to maintain a 1:1 peg to the US dollar. Because USDT holds a near-constant value of $1.00, the SOFIUSDT price is functionally equivalent to the USD price of one share of SOFI stock. Crypto traders use USDT-denominated pairs specifically to gain dollar-equivalent exposure to equity prices without converting funds into traditional fiat currency. In the SOFIUSDT pair, USDT is the quote currency and SOFI (the perpetual contract's underlying reference) is the base asset.

What Is a USDT-Margined Perpetual Futures Contract?

A USDT-margined perpetual futures contract is a derivatives instrument that tracks the price of an underlying asset — in this case, SOFI stock — without an expiry date. Traders can hold long or short positions indefinitely, subject to funding rate payments that keep the contract price anchored to the underlying index. Holders of SOFIUSDT positions gain economic exposure to SOFI's price movement but do not own actual SOFI shares. Perpetual futures holders receive no shareholder voting rights and no direct dividend distributions. The SOFIUSDT price mirrors the NASDAQ SOFI price in near-real time under normal market conditions, though minor premiums or discounts can appear during after-hours trading or periods of reduced exchange liquidity.

SOFIUSDT vs. SOFI Stock: Key Differences

SOFIUSDT on Bybit and SOFI on NASDAQ represent two structurally distinct ways to gain exposure to SoFi Technologies' price. The table below covers the five differences most relevant to trading and investment decisions.

SoFi Technologies Key Market Statistics

[X] of [Y] analysts rate SOFI [Buy/Hold], with a median 12-month price target of $[X.XX] (range: $[X.XX] to $[X.XX]). As of [date]. This is not investment advice.

All statistics below update in real time via live data feeds. Static data points carry "as of [date]" attribution. For further context on what drives the SOFIUSDT price, see 5 factors traders watch for SOFIUSDT in 2026.

SoFi Technologies share price 2026 places SOFI currently [X.X]% [below/above] its 52-week high of $[X.XX], positioning it [in the upper/lower half] of its trailing annual range. Market capitalization (share price multiplied by total shares outstanding, representing the total equity value of the company) classifies SOFI as a mid-cap fintech company at its current level.

SOFIUSDT Technical Analysis: RSI, Moving Averages, and Key Price Levels

As of [timestamp ET], SOFIUSDT is trading [above/below] its 50-day moving average of $[X.XX], with RSI(14) at [X.X] indicating [overbought/neutral/oversold] conditions (Source: TradingView, [timestamp]).

Technical Consensus: [Buy / Neutral / Sell] derived from RSI, MA-50, and MA-200 readings as of [timestamp]. Technical signals reflect historical price patterns and do not constitute investment advice or a recommendation to buy or sell any security.

RSI (Relative Strength Index)

SOFIUSDT's RSI(14) currently reads [X.X], placing it in [overbought/neutral/oversold] territory (Source: TradingView, [timestamp]). An RSI above 70 indicates overbought conditions, where price momentum may be extended relative to recent trading history; an RSI below 30 indicates oversold conditions, suggesting potential exhaustion in selling pressure. At its current reading, the RSI indicates [the pair has room to advance before reaching overbought territory / momentum is stretched and a pullback is possible / selling pressure may be near exhaustion].

Moving Averages: 50-Day and 200-Day

SOFIUSDT is currently trading [above/below] its MA-50 of $[X.XX] and [above/below] its MA-200 of $[X.XX], with [no cross / a golden cross / a death cross] present on the daily chart (Source: TradingView, [timestamp]). A golden cross occurs when the 50-day MA crosses above the 200-day MA, generally signaling a shift toward positive momentum; a death cross signals the opposite. Price trading above the MA-200 indicates the long-term trend remains constructive; price below the MA-200 suggests the primary trend is under pressure.

Key Support and Resistance Levels

Chart analysis identifies the following support and resistance levels for SOFIUSDT on the daily timeframe (Source: TradingView chart analysis, as of [date]). These levels represent areas where buying or selling pressure has historically concentrated and may do so again, though past chart behavior does not guarantee future price action.

Technical support and resistance levels are derived from historical chart patterns and do not constitute investment advice or a guarantee of future price behavior.

SoFi Technologies Fundamentals: Business Model, Revenue, and Earnings

SoFi Technologies, Inc. (NASDAQ: SOFI) is a neobank (a digital-first bank with no physical branch network) offering personal finance products across three business segments: Lending, Financial Services, and Technology Platform. Founded in 2011 as Social Finance, Inc. and headquartered in San Francisco, CA, SoFi serves members through a mobile-first platform covering student loan refinancing, personal loans, home loans, investing, and banking. For a detailed breakdown of how each segment contributes to overall revenue, see SoFi Technologies business segments.

SoFi's Lending Segment originates student loans, personal loans, and home loans, with net interest income as the primary revenue driver. The Financial Services Segment includes SoFi Invest, SoFi Money (banking), and the SoFi credit card, generating fee income and deposit balances. The Technology Platform Segment provides B2B financial infrastructure through two subsidiaries. Galileo Financial Technologies, acquired in April 2020 for approximately $1.2B, supplies payment processing and financial API services to fintechs and banks. Technisys, acquired in March 2022 for approximately $1.1B in stock, provides cloud-native core banking software that allows SoFi to build and deploy banking products without legacy third-party vendors.

SoFi obtained its national bank charter in January 2022 through the acquisition of Golden Pacific Bancorp, establishing SoFi Bank, N.A. as an FDIC-insured subsidiary. The charter allows SoFi Bank to accept federally insured deposits, reducing its reliance on more expensive wholesale funding and directly improving net interest margin (the spread between what the bank earns on loans and what it pays on deposits). This structural distinction separates SoFi from non-bank fintech lenders and is a recurring investment thesis driver cited by Wall Street analysts.

Anthony Noto has served as CEO of SoFi Technologies since February 2018, having previously held roles as COO of Twitter (now X) and Managing Director at Goldman Sachs. Source: SoFi Technologies SEC filings and investor relations disclosures.

SoFi Technologies Recent Earnings Results

SoFi Technologies reported Q[X] [YEAR] Non-GAAP EPS of $[X.XX], [beating/missing] the Wall Street consensus estimate of $[X.XX] by $[X.XX] (Source: SoFi Technologies Q[X] [YEAR] earnings release, [date]). Revenue for the quarter reached $[X.X]B ([+/-X]% year-over-year). SoFi reported [X.X] million total members as of Q[X] [YEAR], a [+X]% increase from the prior year period.

Source: SoFi Technologies earnings releases and SEC filings; consensus estimates via FactSet/Bloomberg at time of reporting.

SoFi Technologies Analyst Ratings and Price Targets

Wall Street analysts hold a consensus [Buy/Hold] rating on SOFI with a median 12-month price target of $[X.XX], per market data as of [date]. The analyst breakdown is: [X] Buy, [Y] Hold, [Z] Sell (total: [N] analysts). The high target is $[X.XX] and the low target is $[X.XX].

For fiscal year 2025, Wall Street consensus estimates project SoFi Technologies Non-GAAP EPS of $[X.XX] and revenue of $[X.X]B (market data as of [date]). Analyst estimates are subject to revision and may not reflect actual results.

Bull case thesis points cited in analyst reports include the national bank charter's net interest margin advantage, total member growth trajectory, and Technology Platform segment revenue diversification. Bear case factors cited include the timeline to sustained GAAP profitability, student loan policy uncertainty, and sensitivity to Federal Reserve rate movements. Analyst price targets represent third-party estimates and do not constitute investment advice. Past performance is not indicative of future results. Always conduct your own research before making investment decisions.

SoFi stock market data today shows the equity continuing to trade as a high-beta fintech name whose valuation moves significantly around Fed communications, earnings releases, and student loan policy developments.

SoFi Stock News Today: Latest Catalysts Moving SOFIUSDT

Last Updated: [timestamp ET]. The following developments are among the key catalysts influencing SOFIUSDT price as of [date]. This section updates on each trading day.

[Headline: Most Recent News Item] — [Source], [Date] [1 to 2 sentence factual summary of the news event.] Catalyst Impact: [One sentence explaining the specific mechanism by which this development affects SOFI stock or SOFIUSDT price, describing the business transmission rather than predicting the price outcome.]

[Headline: Second Most Recent News Item] — [Source], [Date] [1 to 2 sentence factual summary.] Catalyst Impact: [One sentence on SOFI-specific price mechanism.]

[Headline: Third Most Recent News Item] — [Source], [Date] [1 to 2 sentence factual summary.] Catalyst Impact: [One sentence on SOFI-specific price mechanism.]

Student Loan Policy and SOFI Stock

Federal student loan policy directly affects SoFi's student loan refinancing volume, making policy announcements a recurring price catalyst for SOFI. SoFi was founded in 2011 specifically to refinance student loans, and this business segment remains a material contributor to Lending Segment revenue. The federal student loan payment moratorium, which ran from March 2020 through October 2023, suppressed SoFi's refinancing origination volumes and contributed to SOFI stock volatility during that period.

The reinstatement of required payments expanded SoFi's addressable market for private refinancing, since borrowers seeking lower interest rates now have a financial incentive to convert federal loans into private loans through SoFi. New forgiveness proposals (including litigation over the SAVE plan and executive forgiveness orders) reduce that addressable market by removing the financial pressure that drives refinancing demand. Current federal student loan policy developments can be tracked through official Department of Education announcements.

Federal Reserve Interest Rates and SOFI Stock

Federal Reserve rate decisions affect SoFi's earnings through two competing mechanisms: net interest margin expansion and loan origination volume. When the Federal Open Market Committee (FOMC) raises the federal funds rate, SoFi Bank's net interest margin tends to widen because loan yields reprice upward faster than deposit costs, benefiting net interest income. However, rising rates simultaneously reduce consumer demand for new loans as higher monthly payments make borrowing less affordable, compressing origination volumes.

Rate cuts have the inverse effect: they narrow net interest margin but support loan demand by reducing borrower payment burdens. FOMC meeting dates are therefore analyst watch events for SOFI, with both the NIM and volume effects modeled in earnings estimates. Current Federal Reserve monetary policy decisions are published through official Federal Reserve communications.

SOFI vs. Fintech Peers: How SoFi Technologies Compares

SoFi Technologies currently trades alongside direct fintech lending peers LendingClub (NASDAQ: LC) and Upstart Holdings (NASDAQ: UPST) in analyst comparative frameworks. The table below presents key metrics across all three companies using data from the same reference date.

All data as of [date]. Market data is provided for informational purposes only and does not constitute investment advice.

The three companies operate distinct business models despite sharing exposure to consumer credit and interest rate conditions. SoFi functions as a diversified neobank: its bank charter provides deposit-funded lending capacity, and its Technology Platform segment (Galileo Financial Technologies, Technisys) generates higher-margin B2B revenue that partially offsets consumer lending volatility. LendingClub operates a balance-sheet lending model backed by its bank charter obtained in February 2021 through the acquisition of Radius Bank; its borrower base overlaps with SoFi's, and both companies show interest rate sensitivity in their net interest income lines. Upstart Holdings uses AI-driven credit models to price personal and auto loans and holds no banking charter, making it more dependent on capital market conditions for loan funding.

Key Risk Factors for SOFI Investors

Investors and traders monitoring SOFI and SOFIUSDT should consider the following five material risk categories before making any investment decision. This risk summary is not exhaustive. Consult SoFi Technologies SEC filings for the complete risk factor disclosure.

1. Interest rate risk. SoFi's net interest margin contracts when the Federal Reserve cuts rates, reducing the spread between what SoFi Bank earns on loans and what it pays on deposits. Prolonged low-rate environments compress bank earnings and can pressure SOFI's valuation relative to peers with less rate-sensitive business models.

2. Credit risk. Rising loan default rates in economic downturns compress the Lending Segment's profitability. SoFi's charge-off rate on personal loans and student loan refinancing products is sensitive to unemployment levels and broader consumer credit health.

3. Student loan policy risk. New federal forgiveness programs or extended payment moratoriums reduce the pool of borrowers who benefit from refinancing with SoFi, directly shrinking SoFi's largest revenue segment. Ongoing SAVE plan litigation and executive actions on student debt create recurring uncertainty in analyst revenue models.

4. Regulatory risk. As an FDIC-insured national bank, SoFi Bank, N.A. faces banking supervisory scrutiny from federal regulators including the OCC and FDIC. Regulatory actions, capital requirements, or restrictions on product offerings could affect SoFi's operational flexibility and cost structure.

5. Competition risk. SoFi competes against established banks with larger deposit bases and lower funding costs, as well as technology-forward fintechs with lower cost structures. Margin pressure from both sides of the competitive landscape could limit SoFi's ability to grow market share profitably.

Past performance is not indicative of future results. Investing involves risk of loss. This risk summary does not constitute investment advice.

Frequently Asked Questions About SOFIUSDT and SoFi Technologies Stock

What is SOFIUSDT and how does it differ from SOFI stock on NASDAQ?

SOFIUSDT is a USDT-margined perpetual futures contract on Bybit that tracks the price of SoFi Technologies, Inc. (NASDAQ: SOFI) denominated in Tether (USDT). Unlike buying SOFI shares through a brokerage, holding a SOFIUSDT position confers no share ownership, no voting rights, and no eligibility for dividends. The price closely mirrors the NASDAQ SOFI spot price but trades 24/7 on Bybit rather than during NASDAQ market hours only. For a beginner-friendly explanation, see what SOFIUSDT is and how it works.

Where can I trade SOFIUSDT?

You can trade SOFIUSDT as a perpetual futures contract on Bybit. To access it, create a Bybit account, complete identity verification (KYC), deposit USDT, and navigate to the SOFIUSDT perpetual under Derivatives or USDT Perpetual. SOFI stock (the equity itself) trades on NASDAQ under the ticker SOFI and is purchasable through any US brokerage account, including Fidelity, Schwab, or Robinhood. Availability of crypto derivatives on Bybit may vary by jurisdiction.

Is SOFI stock a good buy right now?

Wall Street analysts hold a consensus [Buy/Hold] rating on SOFI with a median 12-month price target of $[X.XX], according to market data as of [date]. Bull case thesis points include the national bank charter, member growth trajectory, and revenue diversification through the Technology Platform segment. Bear case risks include interest rate sensitivity, student loan policy uncertainty, and the timeline to sustained GAAP profitability. This is not investment advice. Conduct your own research and consult a qualified financial advisor before making any investment decision.

How can I buy SOFI stock through a traditional brokerage?

SOFI shares are listed on NASDAQ (ticker: SOFI) and are purchasable through any US brokerage account. Major brokerages offering access include Fidelity, Schwab, Robinhood, and E*TRADE. Search for ticker SOFI and place a market or limit order during NASDAQ regular trading hours (9:30 AM to 4:00 PM ET, Monday through Friday). Pre-market and after-hours trading is available through most brokerages, though liquidity is lower outside regular hours.

What is SoFi Technologies' 52-week high and low?

SOFI reached a 52-week high of $[X.XX] on [date] and a 52-week low of $[X.XX] on [date], per NASDAQ data (as of [date]). The current price of $[X.XX] places SOFI approximately [X.X]% [below/above] the 52-week high. The 52-week range reflects SOFI's historical price sensitivity to Federal Reserve rate expectations, earnings results, and student loan policy developments.

How does Federal Reserve interest rate policy affect SOFI stock?

Rate cuts generally expand SoFi's net interest margin by reducing the bank's cost of deposits relative to loan yields, positively affecting net interest income. Rate hikes compress this spread over time while also suppressing loan origination demand as borrowers face higher payment obligations. Federal Open Market Committee (FOMC) meeting outcomes are therefore analyst watch events for SOFI, with both the NIM effect and the volume effect modeled in earnings estimates.

What is SoFi Technologies' national bank charter and why does it matter?

SoFi obtained its national bank charter in January 2022 through the acquisition of Golden Pacific Bancorp, establishing SoFi Bank, N.A. as an FDIC-insured subsidiary. The charter allows SoFi Bank to accept federally insured deposits, which are a lower-cost funding source than wholesale borrowing. This directly improves net interest margin and reduces SoFi's dependence on warehouse lending facilities. Neither Upstart Holdings nor most pure fintech lenders hold a comparable charter, making SoFi's banking structure a structural competitive distinction in analyst valuations.

What student loan news affects SOFI stock price?

Federal student loan policy changes affect SoFi's student loan refinancing volume, which historically represented its largest revenue segment. Payment moratoriums (March 2020 through October 2023) suppressed refinancing demand by removing the financial incentive for borrowers to convert federal loans into private loans through SoFi. Ongoing forgiveness proposals, SAVE plan litigation, and executive orders on student debt create uncertainty around SoFi's addressable refinancing market, generating recurring price volatility each time a major policy development occurs.

How is SOFIUSDT price calculated relative to the NASDAQ SOFI share price?

Bybit's perpetual contract mechanism uses an index price drawn from SOFI stock data providers to anchor SOFIUSDT to SOFI's market price. Prices are near-identical during NASDAQ regular trading hours (9:30 AM to 4:00 PM ET) when active price discovery is occurring on the underlying exchange. Minor premiums or discounts may appear during NASDAQ after-hours periods or low-liquidity windows on Bybit, as SOFIUSDT continues trading 24/7 while the NASDAQ reference price is static outside market hours. The live price differential displayed at the top of this page reflects the current spread between the two venues.

What are SoFi Technologies' main business segments?

SoFi Technologies operates three business segments. The Lending Segment originates student loans, personal loans, and home loans, generating net interest income. The Financial Services Segment covers SoFi Invest, SoFi Money (banking), and the SoFi credit card, generating fee income and growing deposit balances. The Technology Platform Segment provides B2B financial infrastructure through Galileo Financial Technologies (payment processing and API services) and Technisys (cloud-native core banking software). For a detailed breakdown, see SoFi Technologies business segments.

What is SoFi Technologies' current market capitalization?

SoFi Technologies' market cap is $[X.X]B as of [date], per NASDAQ data. Market capitalization represents the total equity value of the company, calculated as current share price multiplied by total shares outstanding. At this level, SOFI is classified as a mid-cap company within the fintech sector. For peer context, see the comparison table in the section above, which displays market cap figures for Upstart Holdings (UPST) and LendingClub (LC) sourced from the same reference date.

What are the risks of investing in SoFi Technologies?

SoFi carries five material risk categories: interest rate risk (net interest margin contracts when rates fall), credit risk (loan default rates rise in economic downturns), student loan policy risk (forgiveness programs reduce SoFi's refinancing addressable market), regulatory risk (FDIC-insured bank faces heightened supervisory scrutiny), and competition risk (pressure from both established banks and fintech peers). See the Key Risk Factors section above for full explanations of each. Past performance is not indicative of future results. Investing involves risk of loss.

What are analysts saying about SOFI stock?

Wall Street analysts maintain a consensus [Buy/Hold] rating on SOFI with a median 12-month price target of $[X.XX] (range: $[X.XX] to $[X.XX]), per market data as of [date]. Bull case drivers cited include the bank charter's net interest margin advantage, total member growth trajectory, and the Technology Platform segment's higher-margin B2B revenue. Bear case factors include the profitability timeline to sustained GAAP earnings, interest rate cycle sensitivity, and student loan policy overhang. Analyst price targets represent third-party estimates and do not constitute investment advice.

Does SoFi Technologies pay a dividend?

SoFi Technologies does not currently pay a dividend. As a growth-stage fintech company, SoFi reinvests available capital into business expansion, member acquisition, and technology infrastructure rather than returning cash to shareholders through distributions.

How do student loan policies affect SOFI stock?

Federal student loan policies affect SOFI stock through a direct mechanism: when borrowers are required to make payments on federal student loans, a portion seek to reduce their interest rate burden by refinancing into private loans through SoFi. This drives loan origination volume in SoFi's founding and historically largest business line. Payment moratoriums remove this incentive entirely. Broad forgiveness programs reduce the eligible pool of borrowers. Each major policy development creates direct volatility in SOFI stock by altering the size of SoFi's addressable refinancing market.

About This Page: Data Sources and Investment Disclaimer

Market statistics on this page draw from Bybit market data feeds, NASDAQ market data, and technical analysis indicators sourced from TradingView. Live price widgets update automatically every 60 seconds. News items and market statistics are reviewed and updated on each trading day. Static fundamental data (market cap, P/E ratio, EPS) updates following each quarterly earnings release.

The information provided on this page, including the SOFIUSDT stock price, charts, market data, technical analysis, analyst ratings, and company fundamentals, is for informational purposes only. It does not constitute financial or investment advice, and should not be relied upon as the basis for any investment decision. Always conduct your own research and consult a qualified financial advisor before making investment decisions. Past performance is not indicative of future results. Investing involves risk of loss, including the possible loss of principal. SoFi Technologies stock (SOFI) and the SOFIUSDT perpetual futures contract are subject to market risk and volatility, along with other factors described in this page's risk factors section and in SoFi Technologies' SEC filings.

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