Chris
Engineer & Entrepreneur, Equity/Crypto Swing Trader, Macro & Trade Setups
SoFi looks set for a breakout toward $23-25 in short order: price has broken its downtrend and reclaimed the daily cloud and the key 0.5 Fibonacci level after a textbook double bottom. The CEO buying shares and effectively going all in reinforces the setup. Financials and banks in general look incredible right now. x.com x.comÂ
SoFi is one of the easier medium-to-long-term holds in fintech, with a path to $50 over the coming years if not sooner. It keeps gaining users, expanding products and increasingly becoming customers' primary bank, delivering consistent quarter-over-quarter growth. The stock shook out weak hands at its long-term uptrend support and is pressing higher, with the weekly RSI curling up from oversold, often where strong multi-month advances begin. x.com x.comÂ
SoFi's raised profitability guidance will help its stock move past $20; a very big move will need interest rates to fall substantially. Management lifted 2026 adjusted EPS guidance 50%, from $0.60 to $0.90, and revenue guidance to $5.04B after Q3 revenue rose over 44% and adjusted EPS grew nearly 64% year over year. x.com x.com x.comÂ
SoFi's accelerating products per member bodes well for its long-term growth. The attached series rises from about 1.45 in March 2024 to 1.56 in September 2026, with a sharper climb in 2026. x.comÂ
Robinhood's higher revenue and EPS make it clearly stronger than SoFi on these earnings. SoFi's post-earnings rally is unlikely to hold; its shares are headed for single digits. x.com x.comÂ
SoFi's stronger revenue and earnings growth makes it worth staying with for at least another quarter. Per amitisinvesting, Q3 revenue rose 44% and adjusted EPS 64%, with 2027 revenue and EPS guidance above estimates. It still needs to show it can sustain the trajectory. x.com x.com x.comÂ
SoFi's newly reported growth widens the gap between its operating results and a selloff driven by interest-rate fears. Revenue grew 45%, EPS 67% and members 35%, while the stock had fallen nearly 50%; the business is seen as able to succeed across rate environments. x.comÂ
SoFi's egregious dilution means business growth may fail to benefit existing shareholders. Its share count rose 61% over five years, reducing an original 1% stake to about 0.6%; even 61% earnings growth could leave earnings per share flat. As a bank, SoFi is already practically uninvestable by these standards, though dilution need not destroy value if the capital raised creates more value than the ownership surrendered. x.comÂ
SoFi's revenue growth, earnings beat and raised guidance suggest its inflection is starting. Revenue grew 44%, and its initial 2027 outlook topped consensus. x.comÂ
SoFi is worth $23 a share against about $18 now, with revenue up 40%, guidance raised and the stock at half its 52-week high. For investors under 55, this dip is a generational chance to buy it at a discount, since real wealth is built buying weeks like this, not all-time highs. x.comÂ
SoFi's fundamentals are real, but S&P 500 inclusion is not a near-term catalyst, so a quick move to $25-35 from $19 is hopium, not a thesis. Revenue grew 36% and EPS doubled year over year. Yet the index already passed on SoFi in June, its market cap still hovers near the cutoff, and inclusion odds this quarter are about 10%. That answers @kylewhitegoat, who blames hedge fund manipulation and leans on the S&P catalyst. x.comÂ
SoFi's expanding financial ecosystem now has eight businesses above $100 million in annualized revenue, a shift from its student-loan origins that makes its next decade incredibly bullish. Crypto products rose from 63,441 in Q4 2025 to 503,070 in Q3 2026, nearly 8x in three quarters. It is still early, but crypto could become another valuable piece of the ecosystem. x.com x.comÂ
