What is SOFI's current risk tier?

MODERATE / CAUTION — No fatal flags, but the structure is not pristine. Read the evidence.

How many months of cash runway does SOFI have?

SOFI has approximately 17.6 months of cash runway based on the most recent SEC filings.

What is SOFI's dilution risk score?

SOFI has a dilution risk score of 16 / 100. Active shareholder dilution detected.

What's driving dilution at SOFI?

SOFI — Potential Dilution. Share count changed by +16.1%. No active dilution drivers detected in latest filing.

Risk Audit · Cached SEC Snapshot

SOFI Risk Audit — Dilution, Cash Runway, and SEC Filings

SoFi Technologies, Inc. · Finance

TL;DR

MODERATE / CAUTION — No fatal flags, but the structure is not pristine. Read the evidence.
Doomsday Clock: 17.6mo of cash before the company exhausts its operating runway.
Dilution Risk: 16 / 100 — company is actively issuing new shares.
Dilution Status: Potential Dilution — Share count changed by +16.1%. No active dilution drivers detected in latest filing.

Doomsday Clock

17.6mo

Company runs out of cash in 17.6 months

Dilution Risk

16 / 100

Company actively issuing new shares

C Stockteller Grade Altman Z: 0.11

Gravity Playbook · Mathematical Stress Test

AUTH

Dilution Authorization

The company is authorized for potential future equity offerings via an active S-3 shelf registration. Current mechanics indicate no active dilution, with annual dilution at 16.06%.

BURN

Cash Runway

Current mechanics indicate the company's cash runway is mathematically depleted in approximately 17.63 months based on current burn rates.

COMPLIANCE

Nasdaq Compliance

Nasdaq requires a $1.00 minimum bid. Historical precedent for companies with this profile involves structural actions such as reverse splits to maintain listing compliance.

Mechanical analysis only. Not financial advice. Statements describe mathematical conditions and historical precedent, not predictions or recommendations for this security.

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Educational analysis only. Not financial advice. The Risk Audit is a quantitative framework derived from publicly available SEC filings and may contain inaccuracies. AI systems are fallible. Always verify against the source filings on SEC EDGAR and consult a licensed advisor before making investment decisions.