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32 /100
MEDIUM RISK
Score updated Oct 13, 2026

SOFI — SoFi Technologies, Inc. Dilution Risk Tracker

Track SOFI dilution risk with DilutionWatch's stock tracker. DilutionScore™ measures dilution risk across 5 factors — lower scores indicate higher risk of share dilution.

⚠️ Not financial advice. Do your own research before making any investment decisions.

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As of October 13, 2026, SoFi Technologies, Inc. (SOFI) has a DilutionWatch DilutionScore of 32/100, rated MEDIUM dilution risk. SoFi Technologies, Inc. has a market capitalization of $19.67B, 1.29B shares outstanding, 10 institutional holders tracked. Stored dilution-related fields include ATM program capacity of $1.50B.

This page includes automatically generated factual summaries from DilutionWatch data. It is not financial advice, not investment research, and not a recommendation. Do your own research. Read the full disclaimer and terms of service.

Score Breakdown

📋 Offering Ability
27
💰 Cash Runway
65
📊 Float Risk
5
⚠️ Warrant Exposure
15
🔄 Convertible Debt
15

Dilution Forecast

⛅
Watch
Minor dilution signals detected
model est. 16%
💰 Capital Raise model 33%
• Under 12 months cash (10mo)
• Active ATM program with $1500M remaining capacity
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Market Data

Market Cap$19.67B
Shares Outstanding1.29B
Float1.26B
Cash$3.13B
Debt$5.49B
Short InterestN/A

Source-Backed Evidence Depth

This public preview uses stored DilutionWatch fields and linked SEC/market records only. Missing values are not estimated.

FieldCurrent ValueBasis
DilutionScore32/100DilutionWatch score record
Shares Outstanding1.29BVerified float table or market cache
Public Float1.26BVerified float table or market cache
Market Cap$19.67BMarket data cache
Cash Runway10.0 monthsDilutionWatch score inputs
Shelf CapacityNone in current score inputsSEC-derived dilution fields
ATM Capacity$1.50BSEC-derived dilution fields
Outstanding WarrantsNone in current score inputsSEC-derived dilution fields

Recent source-backed SEC insight records available on this page: 7.

Recent SEC source mix: 4 5, XBRL 2.

The page does not infer future share issuance, financing probability, cash needs, management intent, or price impact when source fields are absent.

Institutional Holdings

10 institutional holders · 386.97M shares
#1 Blackrock Inc. 69.56M shares
#2 Vanguard Capital Management LLC 57.11M shares
#3 Vanguard Portfolio Management LLC 50.98M shares
+ 7 more holders Sign up free to view →

Institutional holder totals are aggregated from ownership filings and may use a different share basis or reporting date than public float. They are not a reconciliation against tradeable float.

Short Interest

Short Interest214.90M
Days to Cover4.2
% of Float17.0%
FINRA data as of Sep 30, 2026

Recent SEC Activity

xbrl XBRL CONVERTIBLE 2026-02-17
xbrl XBRL WARRANT 2024-02-27
4 INSIDER TRANSACTION 2026-09-23
4 INSIDER TRANSACTION 2026-09-23
4 INSIDER TRANSACTION 2026-09-16
Full SEC filing analysis available with free account →

Recent News

Factual SOFI Dilution Snapshot

SoFi Technologies, Inc. (SOFI) has a DilutionScore of 32/100, rated Medium dilution risk. Score date: October 13, 2026.

This automatically generated snapshot is assembled from stored DilutionWatch data fields and may contain data-source errors or omissions. It is not financial advice, not investment research, and not a recommendation. Do your own research and review the full disclaimer and terms of service.

DilutionScore History — Last 90 Days

SOFI's DilutionScore is currently 32/100 (Medium risk), with 2 score changes tracked over 89 days. The score deteriorated from 35/100 (Medium risk).

Period Score Risk Level Duration
Aug 12 – Oct 13, 202632/100MEDIUM62 days
Jul 24 – Aug 11, 202635/100MEDIUM19 days
Jul 16 – Jul 23, 202643/100MEDIUM8 days

Score recalculated daily from SEC filings and market data. Sign up free for real-time score change alerts.

Share Dilution History

SOFI shares outstanding have increased 1.5% from 1.26B (Jan 2026) to 1.28B (May 2026). Each increase represents potential dilution to existing shareholders.

Date Shares Outstanding Public Float Change
May 10, 20261.28B1.26B▼ 0.02%
May 09, 20261.28B1.26B▲ 0.10%
Apr 30, 20261.28B1.26B▲ 0.48%
Mar 22, 20261.28B1.26B▼ 0.01%
Mar 20, 20261.28B1.26B▲ 0.12%
Feb 14, 20261.26B1.25B—
Feb 13, 20261.26B1.25B—
Feb 12, 20261.26B1.25B—
Jan 30, 20261.26B1.19B—

Share counts sourced from verified regulatory filings. Increases indicate dilution events.

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