SOFI (SoFi Technologies) Institutional Ownership: 63.62% (As of Jul. 27, 2026)

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SOFI SoFi Technologies Inc SOFI
68 GF Score
Price $16.46
GF Value $16.16
Valuation Fairly Valued
! 2 Warning Signs
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What is SoFi Technologies Institutional Ownership?

SoFi Technologies SOFI -1.14% 68 Institutional Ownership is 63.62% as of Jul. 27, 2026. GuruFocus rates SOFI with a GF Score™ of 68/100 and a GF Value™ of $16.16 (Fairly Valued). The stock has 2 warning signs investors should review.

Institutional ownership is the percentage of shares that are owned by institutions out of the total shares outstanding. As of today, SoFi Technologies's institutional ownership is 63.62%.

Insider Ownership is the percentage of shares that are owned by company insiders relative to the total shares outstanding. As of today, SoFi Technologies's Insider Ownership is 1.86%.

Float Percentage Of Total Shares Outstanding is the percentage of float shares relative to the total shares outstanding. As of today, SoFi Technologies's Float Percentage Of Total Shares Outstanding is 98.62%.

SoFi Technologies Institutional Ownership Historical Data

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The historical data trend for SoFi Technologies's Institutional Ownership can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SoFi Technologies Institutional Ownership Chart

SoFi Technologies Historical Data

The historical data trend for SoFi Technologies can be seen below:

2025-09-30 2025-10-31 2025-11-30 2025-12-31 2026-01-31 2026-02-28 2026-03-31 2026-04-30 2026-05-31 2026-06-30
Institutional Ownership 27.93 28.70 29.51 31.32 30.16 28.00 24.32 24.38 24.38 24.88
SOFI
68GF Score
SoFi Technologies Inc SOFI
Institutional Ownership is just one metric. See GF Score™, valuation, warning signs, and more.
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SoFi Technologies Institutional Ownership Calculation

The percentage of shares that are owned by institutions out of the total shares outstanding.

What does a Institutional Ownership of 63.62% mean?
SoFi Technologies (SOFI) has a Institutional Ownership of 63.62% as of Jul. 27, 2026. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on SoFi Technologies and its competitors.
Is SoFi Technologies' Institutional Ownership too high?
SoFi Technologies' current Institutional Ownership is 63.62%. Overall, SoFi Technologies has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SoFi Technologies' Institutional Ownership compare to AFRM and SYF?
SoFi Technologies' Institutional Ownership of 63.62% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Institutional Ownership for a Credit Services company?
A good Institutional Ownership depends on the Credit Services industry context. However, Institutional Ownership should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Institutional Ownership mean?
A high Institutional Ownership can signal that a stock is expensive relative to its fundamentals. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on SoFi Technologies and its competitors. SoFi Technologies's current Institutional Ownership is 63.62%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SoFi Technologies stock overvalued right now?
Based on GuruFocus' analysis, SoFi Technologies (SOFI) is currently considered Fairly Valued. The stock's GF Value™ is $16.16, compared to a current price of $16.46 — trading 1.9% above its estimated fair value. The current Institutional Ownership is 63.62%. SoFi Technologies' overall GF Score™ is 68/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Institutional Ownership calculated?
Institutional Ownership is calculated from a company's financial statements. For SoFi Technologies (SOFI), the current Institutional Ownership is 63.62% as of Jul. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SoFi Technologies (SOFI) Overvalued in 2026?

Based on GuruFocus' analysis, SoFi Technologies stock appears to be overvalued. The current stock price of $16.46 is trading 1.9% above its estimated GF Value™ of $16.16. GuruFocus considers SoFi Technologies to be Fairly Valued.

Key valuation signals for SOFI:

  • Institutional Ownership: 63.62%
  • GF Value™: $16.16 vs. price of $16.46 (1.9% above fair value)
  • GF Score™: 68/100 with 2 warning signs

No single metric tells the full story. See the SOFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SoFi Technologies Business Description

Address 234 1st Street, San Francisco, CA, USA, 94105
SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
68GF Score

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Institutional Ownership is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.46
Price
$16.16
GF Value