SoFi Tech

$SoFi Tech(SOFI.US)SOFI remains one of the more interesting fintech growth stories after delivering strong Q2 results, record revenue and raising its 2026 outlook.

Despite the post-earnings pullback, member growth and profitability trends remain strong, while recent analyst upgrades suggest confidence in the company’s long-term potential

Recent consolidation looks more like a pause than a trend reversal. I’m positioning for a potential rebound as investors refocus on SOFI’s growth, expanding product ecosystem and improving earnings profile

SOFI can reclaim the $19–20 range in the near term. Rising Treasury yields and market volatility remain risks, but strong fundamentals and improving sentiment could support a move higher

$SoFi Tech(SOFI.US) SoFi shares were slightly up after a senior Piper Sandler analyst initiated coverage on the digital financial services company. In his research note, Patrick Moley assigned SOFI an “Overweight” rating and set a $22 price objective, indicating potential upside of more than 20% over the next 12 months. Moley sees SoFi Technologies as a standout “high-growth personal finance story” well-positioned to capitalize on structural shifts in consumer banking. His report highlighted SOFI’s extensive runway in both personal lending and debt consolidation, particularly among younger, creditworthy demographics, such as millennials and Gen Z. As high interest rates keep debt management top of mind for consumers, the fintech firm’s digital-first platform continues to capture market share from traditional brick-and-mortar lenders. Beyond lending, Moley pointed to SOFI’s “powerful product flywheel” as the key engine driving member retention and cross-selling capabilities. Bundling checking, savings, investment accounts, and credit cards into a unified ecosystem enabled SoFi to post a 35% increase in memberships and a 43% increase in product adoption in its fiscal Q2. This multi-product strategy lowers acquisition costs while expanding lifetime customer value. Moreover, I expect Sofi to drop when FED does introduce the 25 basis point rate hike. Hence I am currently sticking to what I already own and wait for it to play out. @Captain's Treasure

$SoFi Tech(SOFI.US) in high tight flag base. Seeing many post this so here is what I see. I own in my invest/spec/gamble account.

Source: Sunrise Trader

$SoFi Tech(SOFI.US)SoFi remains constructive as strong Q2 fundamentals and a supportive macro environment continue to strengthen the long-term outlook. The recent consolidation around $18 appears more like profit taking than a deterioration in fundamentals.

Q2 results were strong:

• Revenue $1.21B, +42.5% YoY

• EPS $0.12 vs $0.11 expected

• Net margin 14.78%

• Strong loan originations and improving profitability

• FY2026 EPS guidance $0.60

The July CPI result of 3.4% headline and 2.5% core was also supportive. While the numbers were in line with expectations rather than a major downside surprise, they reduce the risk of a renewed inflation shock and remain constructive for rate sensitive fintech stocks.

Technically, SOFI is holding around its 200-day moving average near $18, while the 50-day moving average is around $17.45. This keeps the short term structure constructive

📢 𝗝𝗨𝗦𝗧 𝗜𝗡: $SoFi Tech(SOFI.US) SoFi Launches Three Private Market Funds With CAZ Investments and AngelList

$Palantir Tech(PLTR.US)If you're investing for 5–10 years, I still think Palantir is one of the highest-quality AI software companies. However:

I wouldn't chase a huge rally after earnings.

Have been holding it for about 2 months, over one night, it all paid off. Hahaha

I'd prefer buying gradually on pullbacks of 10–20%, rather than investing a large lump sum at current levels.

From our earlier conversations, I know you already own growth names like SoFi and have significant holdings in DBS, so Palantir could add AI exposure—but I would keep it to a moderate allocation because it's considerably more volatile than your bank investments.

$SoFi Tech(SOFI.US)SoFi continued to show resilience today, rebounding after recent earnings volatility as investors refocused on the company’s long-term growth. Despite cautious guidance weighing on sentiment initially, buying interest returned as the market recognized SoFi’s strong execution and improving fundamentals.

Fundamentally, the story remains compelling. SoFi delivered another record quarter with 40%+ revenue growth, record loan originations, expanding membership and raised its full-year revenue outlook. The company continues to evolve beyond lending into a diversified digital financial platform, supported by growing fee-based businesses and a stronger banking franchise.

Short-term volatility is expected after earnings, but the long-term trend remains constructive. If SoFi continues to execute and deliver consistent growth, pullbacks may provide opportunities for investors looking to build positions rather than reasons to panic.

$SoFi Tech(SOFI.US)SoFi continues to demonstrate strong execution despite recent volatility. Record revenue, expanding member growth and raised full-year guidance reinforce that its long-term growth story remains intact. While higher operating expenses and elevated Treasury yields have pressured sentiment, the core lending, financial services and technology platform businesses continue to gain momentum.

With Microsoft and Amazon reaffirming that AI investments are driving real business growth, broader market confidence has improved. If Treasury yields stabilize, growth stocks like SoFi could see renewed buying interest.

Recent pullback appears more like profit-taking than a deterioration in fundamentals. A sustained move above resistance could open the door for a retest of the $18–19 area in the coming weeks, while holding above support would keep the medium-term uptrend intact.

📈 Strong fundamentals remain in place. The key catalysts now are easing bond yields, continued loan growth and management delivering on its raised 2026 guidance

$SoFi Tech(SOFI.US) I'm currently sitting on a loss, but the business itself did not disappoint. Today's sell-off appears to be driven more by valuation and expectations than by a deterioration in fundamentals. SoFi still delivered strong revenue growth, record member additions, and raised its revenue outlook.

I'm going to buy a small additional amount, since I still believe in the company over the next 5+ years.

$SoFi Tech(SOFI.US)

Source: amit

Big tech earnings tonight after market with both Mag 7 companies Meta and Microsoft reporting. In my truthful opinion, I'm not having high expectations for both, especially with the former being known to spend generously on Capex while the latter has been struggling all year round with "Software apocalypse" and dying Xbox. Besides, Sofi is also reporting pre market, another well beaten down stock in the fintech sector, let's see if they can finally break the consecutive beaten down quarters.

Futures are up, bitcoin is up, and oil is down because of reports that the US and Iran have stopped strikes against each other for the time being.

Source: amit

$SOFI Call(SOFI260724C18500.US)I sold a covered call on SOFI with the $18.5 strike expiring 26 July 2024. At the time of execution, the option premium was trading around $0.06, down sharply from the prior close of $0.10. The underlying stock was at $17.425, slightly below my cost basis. This setup allowed me to generate income while holding the shares, effectively reducing my breakeven point.

Selling covered calls at cost basis is a conservative strategy: if the stock rallies above $18.5, I’m comfortable letting shares go since I’d exit at breakeven plus the collected premium.If the stock stays flat or declines, the premium cushions the downside slightly, though it doesn’t eliminate risk.The trade-off is opportunity cost: I cap my upside beyond $18.5, but I gain certainty in income generation.

$SoFi Tech(SOFI.US)SoFi Technologies is trading around US$17.30 recovering alongside broader growth stocks as investors regain confidence in the AI and fintech sectors. While the stock remains below its recent highs, improving market sentiment and expectations for lower interest rate pressure are helping support a rebound ahead of earnings.

Attention now turns to SoFi’s Q2 earnings on July 29, where investors will be watching member growth, deposit growth, lending performance, financial services revenue, and management’s outlook. With options markets pricing in a significant post-earnings move, volatility is likely to remain elevated over the coming sessions.

📈 Cautiously Bullish – Long-term growth story remains intact, but near-term price action will likely be driven by earnings expectations and management guidance

$SoFi Tech(SOFI.US) Investors reacted positively to a lower CPI in June, indicating a month over month inflation decrease of 0.4%, primarily due to falling energy prices. This decline benefits rate-sensitive sectors like fintech, REITs, and homebuilders, as the likelihood of an imminent rate hike diminished significantly after the CPI release. Sofi earns most of its income from lending, especially personal and student loans, but demand for these loan refinancing had been dormant during the high-rate regime. A steady-rate environment may not trigger a stampede of refinancings, but it could help revitalize the company’s sleepy student loan refinance program. I am still targeting a long term recovery to the mid $20s before the next bullish cyclical cycle. @Captain's Treasure

$SoFi Tech(SOFI.US)SoFi Technologies is trading around US$18.25, remaining under pressure after a recent rally as investors lock in profits ahead of its Q2 earnings on July 29. Despite the short-term weakness, the broader uptrend remains intact as softer CPI/PPI data eases concerns over aggressive Fed tightening.

The upcoming earnings report will be the next major catalyst, with investors watching member growth, deposit growth, loan originations, financial services revenue and management’s full-year guidance. The launch of SoFi’s new Social 50 Income ETF also strengthens its long-term fintech ecosystem, although its near-term financial impact is expected to be modest.

📈 Cautiously Bullish – Near term volatility is likely before earnings, but improving inflation data and continued business growth support a positive medium-term outlook

$SoFi Tech(SOFI.US)- A stabilization in Treasury yields and improved market sentiment could help SoFi regain momentum

SoFi is extending its pullback, trading around as investors rotate out of high-growth names ahead of the upcoming FOMC minutes. Despite today’s weakness, the company’s long-term growth story remains intact, supported by strong member growth, expanding financial services, and improving profitability.

💡 Catalysts:

* FOMC minutes and interest rate outlook

* Continued member and deposit growth

* Strong quarterly earnings and guidance

* Expansion of lending and financial services ecosystem

Strategy: Watch for support around support level. A strong rebound from this level could provide a favorable entry, while a break below support may signal further short-term downside.

Bias: Current weakness appears driven more by market-wide risk-off sentiment than company-specific issues.

$SoFi Tech(SOFI.US) SoFi shares have surged as they expand their lending options with new small business loans and participation in the Trump Accounts program. The company, known for its diverse financial services, is trading above key moving averages, which indicates a near-term uptrend despite longer-term challenges. Analysts project SoFi's earnings per share will rise to 11 cents, with a revenue estimate of $1.11 billion, while recent ratings reflect mixed sentiments among investment firms. Despite recent strength, the share price remains a far distance from its highs. The upcoming earnings report would be crucial to determine the sentiment of investors and the direction of the company moving forward. @Bridge Buzz SG

$SoFi Tech(SOFI.US) SoFi carries well-scrutinized native flaws, yet in H2 2025 the stock briefly surged to a $42bn market cap, implying a 12M fwd EV/EBITDA north of 30x, ahead of many high-growth fintech peers. Even after two follow-on offerings and meaningful dilution that drove a sharp pullback, today’s ~$23bn market cap still trades at a premium vs. traditional financials. The private student loan market is expected to grow, fueled by policy shifts, while personal loans are targeted by high-demand debt consolidation. Yet, the stock may not have bottomed out based on technicals. I started buying the dips when it corrected from $30, thinking that a short term bounce can lead to some profit. However, the hype train has left, leaving me stranded with dca-ing my cost down. @Bridge Buzz SG