SoFi Beats on Both Lines: Can the 13% Rally Run Further?

SoFi jumped 13.42% after Q3 adjusted revenue of about $1.4B and EPS of $0.18 beat estimates. Members grew 35% to 17.1M; SoFi raised its 2026 revenue target to $5.04B and guided to $6.4B revenue and $0.90 EPS for 2027. Bulls cite broad growth across members, products, and margins; bears say higher targets leave little room for weaker credit or cost control. Which metric best signals earnings momentum: member growth, technology revenue, or net interest margin?

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Marktomarket

10-28 14:34

Risk Came Back Before the Fed. Earnings Will Decide Whether It Stays.

QQQ rose as SoFi and Nebius gained more than 11 per cent The $Invesco QQQ(QQQ)$, which tracks the Nasdaq 100, gained 1.27 per cent on Tuesday, while the $S&P 500(.SPX)$ rose 0.60 per cent. $SoFi Technologies Inc.(SOFI)$ jumped 13.42 per cent, $NEBIUS(NBIS)$ gained 11.22 per cent and $CoreWeave, Inc.(CRWV)$ rose 7.94 per cent. $Advanced Micro Devices(AMD)$, $Broadcom(AVGO)$ and

Risk Came Back Before the Fed. Earnings Will Decide Whether It Stays.

Syaoron

01-30

$SoFi Technologies Inc.(SOFI)$ cut everything, time for correction

nerdbull1669

01-29

SoFi Hitting $30? - Bull Put Spread -> "Tug-Of-War" Phase

With $SoFi Technologies Inc.(SOFI)$ coming up on 30 Jan Pre-market, will we see it creating another exceptional run after its earnings? SoFi is heading into its Q4 2025 earnings report (scheduled for January 30, 2026) in a bit of a "tug-of-war" phase. While the company has fundamentally transformed into a profitable bank, the stock's recent performance and valuation suggest that the market is demanding perfection. Here is the breakdown of whether we’re looking at another "exceptional rally" or "heavy volatility." The Bull Case: Why an Exceptional Rally is Possible SoFi has a habit of "sandbagging"—providing conservative guidance and then blowing past it. For an exceptional rally to occur, they likely need to hit these three notes: EPS "Super-Beat"

SoFi Hitting $30? - Bull Put Spread -> "Tug-Of-War" Phase

zhingle

01-28

$SoFi Technologies Inc.(SOFI)$ 📊 The Setup: Momentum Meets a High Bar Bullish backdrop • SoFi rallied 60%+ in 2025 despite market volatility, driven by record member growth and expanding fee-based revenue. • Q3 results delivered 38% revenue growth, strong profitability, and solid user engagement, with 12.6M members and 18.6M products — evidence of cross-sell and ecosystem traction. • Fee-based revenue is scaling, now a meaningful portion of total sales and helping offset interest income cyclicality. Key consensus expectations • EPS ~ $0.12 on ~$977M revenue (Wall Street consensus), implying a growth continuation bias. • Estimates reflect ~33% YoY revenue growth, a robust growth rate for a scaled fintech. ⸻ 📈 Bull Case: Why $

這是甚麼東西

01-27

$SoFi Technologies Inc.(SOFI)$ SoFi Technologies (NASDAQ:SOFI) is trading around $25.80 as of market close on January 26, 2026. While a return to its 52-week high near $32.73 is possible, most analysts have a consensus "Hold" rating and an average price target around $27.58 ahead of the Q4 earnings report on January 30, 2026. Key Insights 1. After a 60%+ run, does SoFi need to beat and raise to move higher? Yes, it is highly likely that SoFi will need to beat both EPS and revenue estimates and provide strong forward guidance to see significant upside from the current price. High Expectations: The stock's run-up has led to a rich valuation (forward P/E around 71x), meaning years of optimism are already pr

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Earnings Will Decide Whether It Stays.","htmlText":"QQQ rose as SoFi and Nebius gained more than 11 per cent The <a target=\"_blank\" href=\"https://ttm.financial/S/QQQ\">$Invesco QQQ(QQQ)$</a>, which tracks the Nasdaq 100, gained 1.27 per cent on Tuesday, while the <a target=\"_blank\" href=\"https://ttm.financial/S/.SPX\">$S&amp;P 500(.SPX)$</a> rose 0.60 per cent. <a target=\"_blank\" href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a> jumped 13.42 per cent, <a target=\"_blank\" href=\"https://ttm.financial/S/NBIS\">$NEBIUS(NBIS)$</a> gained 11.22 per cent and <a target=\"_blank\" href=\"https://ttm.financial/S/CRWV\">$CoreWeave, Inc.(CRWV)$</a> rose 7.94 per cent. <a target=\"_blank\" href=\"https://ttm.financial/S/AMD\">$Advanced Micro Devices(AMD)$</a>, <a target=\"_blank\" href=\"https://ttm.financial/S/AVGO\">$Broadcom(AVGO)$</a> and","listText":"QQQ rose as SoFi and Nebius gained more than 11 per cent The <a target=\"_blank\" href=\"https://ttm.financial/S/QQQ\">$Invesco QQQ(QQQ)$</a>, which tracks the Nasdaq 100, gained 1.27 per cent on Tuesday, while the <a target=\"_blank\" href=\"https://ttm.financial/S/.SPX\">$S&amp;P 500(.SPX)$</a> rose 0.60 per cent. <a target=\"_blank\" href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a> jumped 13.42 per cent, <a target=\"_blank\" href=\"https://ttm.financial/S/NBIS\">$NEBIUS(NBIS)$</a> gained 11.22 per cent and <a target=\"_blank\" href=\"https://ttm.financial/S/CRWV\">$CoreWeave, Inc.(CRWV)$</a> rose 7.94 per cent. <a target=\"_blank\" href=\"https://ttm.financial/S/AMD\">$Advanced Micro Devices(AMD)$</a>, <a target=\"_blank\" href=\"https://ttm.financial/S/AVGO\">$Broadcom(AVGO)$</a> and","text":"QQQ rose as SoFi and Nebius gained more than 11 per cent The $Invesco QQQ(QQQ)$, which tracks the Nasdaq 100, gained 1.27 per cent on Tuesday, while the $S&P 500(.SPX)$ rose 0.60 per cent. $SoFi Technologies Inc.(SOFI)$ jumped 13.42 per cent, $NEBIUS(NBIS)$ gained 11.22 per cent and $CoreWeave, Inc.(CRWV)$ rose 7.94 per cent. $Advanced Micro Devices(AMD)$, $Broadcom(AVGO)$ and","images":[],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":62,"commentSize":17,"repostSize":3,"link":"https://ttm.financial/post/623124814619312","isVote":1,"tweetType":1,"viewCount":1795,"authorTweetTopStatus":1,"verified":2,"subType":2,"comments":[{"author":{"id":"3576140222331577","authorId":"3576140222331577","name":"Guavaxf3006","avatar":"https://static.tigerbbs.com/1ff15ff6aa254c9130f9af922f7e2447","crmLevel":12,"crmLevelSwitch":1,"authorIdStr":"3576140222331577","idStr":"3576140222331577"},"content":"Thanks a very good analysis. I do take one key observation in that you rightly pointed out the rise was not uniformed, and it should not be so. But another observation is that the hyperscalers rowe much more moderately than the smaller participants. Particulary the Neocloud groups. This I would caution on as these are the very same parties which were targetted in the recent collapse. Easy come, easy go comes to mind here.","text":"Thanks a very good analysis. I do take one key observation in that you rightly pointed out the rise was not uniformed, and it should not be so. But another observation is that the hyperscalers rowe much more moderately than the smaller participants. Particulary the Neocloud groups. This I would caution on as these are the very same parties which were targetted in the recent collapse. Easy come, easy go comes to mind here.","html":"Thanks a very good analysis. I do take one key observation in that you rightly pointed out the rise was not uniformed, and it should not be so. But another observation is that the hyperscalers rowe much more moderately than the smaller participants. Particulary the Neocloud groups. This I would caution on as these are the very same parties which were targetted in the recent collapse. Easy come, easy go comes to mind here."}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":527371526623520,"gmtCreate":1769774856208,"gmtModify":1769774859855,"author":{"id":"3564727991835557","authorId":"3564727991835557","name":"Syaoron","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3564727991835557","idStr":"3564727991835557"},"themes":[],"title":"","htmlText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a> cut everything, time for correction&nbsp;","listText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a> cut everything, time for correction&nbsp;","text":"$SoFi Technologies Inc.(SOFI)$ cut everything, time for correction","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/527371526623520","isVote":1,"tweetType":1,"viewCount":4422,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":526814361113896,"gmtCreate":1769652304479,"gmtModify":1769666365858,"author":{"id":"4102123614530830","authorId":"4102123614530830","name":"nerdbull1669","avatar":"https://community-static.tradeup.com/news/8ac2db9ff7976dac4aa567ce14027bd6","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4102123614530830","idStr":"4102123614530830"},"themes":[],"title":"SoFi Hitting $30? - Bull Put Spread -> \"Tug-Of-War\" Phase","htmlText":"With <a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a> coming up on 30 Jan Pre-market, will we see it creating another exceptional run after its earnings? SoFi is heading into its Q4 2025 earnings report (scheduled for January 30, 2026) in a bit of a \"tug-of-war\" phase. While the company has fundamentally transformed into a profitable bank, the stock's recent performance and valuation suggest that the market is demanding perfection. Here is the breakdown of whether we’re looking at another \"exceptional rally\" or \"heavy volatility.\" The Bull Case: Why an Exceptional Rally is Possible SoFi has a habit of \"sandbagging\"—providing conservative guidance and then blowing past it. For an exceptional rally to occur, they likely need to hit these three notes: EPS \"Super-Beat\"","listText":"With <a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a> coming up on 30 Jan Pre-market, will we see it creating another exceptional run after its earnings? SoFi is heading into its Q4 2025 earnings report (scheduled for January 30, 2026) in a bit of a \"tug-of-war\" phase. While the company has fundamentally transformed into a profitable bank, the stock's recent performance and valuation suggest that the market is demanding perfection. Here is the breakdown of whether we’re looking at another \"exceptional rally\" or \"heavy volatility.\" The Bull Case: Why an Exceptional Rally is Possible SoFi has a habit of \"sandbagging\"—providing conservative guidance and then blowing past it. For an exceptional rally to occur, they likely need to hit these three notes: EPS \"Super-Beat\"","text":"With $SoFi Technologies Inc.(SOFI)$ coming up on 30 Jan Pre-market, will we see it creating another exceptional run after its earnings? SoFi is heading into its Q4 2025 earnings report (scheduled for January 30, 2026) in a bit of a \"tug-of-war\" phase. While the company has fundamentally transformed into a profitable bank, the stock's recent performance and valuation suggest that the market is demanding perfection. Here is the breakdown of whether we’re looking at another \"exceptional rally\" or \"heavy volatility.\" The Bull Case: Why an Exceptional Rally is Possible SoFi has a habit of \"sandbagging\"—providing conservative guidance and then blowing past it. For an exceptional rally to occur, they likely need to hit these three notes: EPS \"Super-Beat\"","images":[{"img":"https://community-static.tradeup.com/news/f4c4efbf15cbe7c11279ed66888c3807","width":"1146","height":"239"},{"img":"https://community-static.tradeup.com/news/3e4852ef0ae085ff6003e456418a94b5","width":"323","height":"404"},{"img":"https://community-static.tradeup.com/news/cdfb30098522b70ec32316c1f19c5755","width":"742","height":"387"}],"top":1,"highlighted":1,"essential":2,"paper":2,"likeSize":6,"commentSize":1,"repostSize":1,"link":"https://ttm.financial/post/526814361113896","isVote":1,"tweetType":1,"viewCount":5055,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"4226679013846662","authorId":"4226679013846662","name":"宇大夫美股","avatar":"https://community-static.tradeup.com/news/0c084a873ab859755abbd5319a79e68b","crmLevel":1,"crmLevelSwitch":0,"authorIdStr":"4226679013846662","idStr":"4226679013846662"},"content":"I bought a call option and was ready to wait for the upside,[龇牙]","text":"I bought a call option and was ready to wait for the upside,[龇牙]","html":"I bought a call option and was ready to wait for the upside,[龇牙]"}],"imageCount":4,"langContent":"EN","totalScore":0},{"id":526590150493640,"gmtCreate":1769597438774,"gmtModify":1769604683014,"author":{"id":"3572753591805453","authorId":"3572753591805453","name":"zhingle","avatar":"https://static.tigerbbs.com/c02cf1400ebf75fbfd40821cde407263","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3572753591805453","idStr":"3572753591805453"},"themes":[],"title":"","htmlText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a>&nbsp; 📊 The Setup: Momentum Meets a High Bar Bullish backdrop • SoFi rallied 60%+ in 2025 despite market volatility, driven by record member growth and expanding fee-based revenue.  • Q3 results delivered 38% revenue growth, strong profitability, and solid user engagement, with 12.6M members and 18.6M products — evidence of cross-sell and ecosystem traction.  • Fee-based revenue is scaling, now a meaningful portion of total sales and helping offset interest income cyclicality.  Key consensus expectations • EPS ~ $0.12 on ~$977M revenue (Wall Street consensus), implying a growth continuation bias.  • Estimates reflect ~33% YoY revenue growth, a robust growth rate for a scaled fintech.  ⸻ 📈 Bull Case: Why $","listText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a>&nbsp; 📊 The Setup: Momentum Meets a High Bar Bullish backdrop • SoFi rallied 60%+ in 2025 despite market volatility, driven by record member growth and expanding fee-based revenue.  • Q3 results delivered 38% revenue growth, strong profitability, and solid user engagement, with 12.6M members and 18.6M products — evidence of cross-sell and ecosystem traction.  • Fee-based revenue is scaling, now a meaningful portion of total sales and helping offset interest income cyclicality.  Key consensus expectations • EPS ~ $0.12 on ~$977M revenue (Wall Street consensus), implying a growth continuation bias.  • Estimates reflect ~33% YoY revenue growth, a robust growth rate for a scaled fintech.  ⸻ 📈 Bull Case: Why $","text":"$SoFi Technologies Inc.(SOFI)$ 📊 The Setup: Momentum Meets a High Bar Bullish backdrop • SoFi rallied 60%+ in 2025 despite market volatility, driven by record member growth and expanding fee-based revenue.  • Q3 results delivered 38% revenue growth, strong profitability, and solid user engagement, with 12.6M members and 18.6M products — evidence of cross-sell and ecosystem traction.  • Fee-based revenue is scaling, now a meaningful portion of total sales and helping offset interest income cyclicality.  Key consensus expectations • EPS ~ $0.12 on ~$977M revenue (Wall Street consensus), implying a growth continuation bias.  • Estimates reflect ~33% YoY revenue growth, a robust growth rate for a scaled fintech.  ⸻ 📈 Bull Case: Why $","images":[{"img":"https://community-static.tradeup.com/news/cf1f9b838d95d56aeb8a342900ff9bf5","width":"1179","height":"947"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/526590150493640","isVote":1,"tweetType":1,"viewCount":2899,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":526180108067344,"gmtCreate":1769494779957,"gmtModify":1769494786577,"author":{"id":"4209509375264322","authorId":"4209509375264322","name":"這是甚麼東西","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4209509375264322","idStr":"4209509375264322"},"themes":[],"title":"","htmlText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a><v-v data-views=\"0\"></v-v>&nbsp; SoFi Technologies (NASDAQ:SOFI) is trading around $25.80 as of market close on January 26, 2026. While a return to its 52-week high near $32.73 is possible, most analysts have a consensus \"Hold\" rating and an average price target around $27.58 ahead of the Q4 earnings report on January 30, 2026. Key Insights 1. After a 60%+ run, does SoFi need to beat and raise to move higher? Yes, it is highly likely that SoFi will need to beat both EPS and revenue estimates and provide strong forward guidance to see significant upside from the current price.&nbsp; High Expectations: The stock's run-up has led to a rich valuation (forward P/E around 71x), meaning years of optimism are already pr","listText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a><v-v data-views=\"0\"></v-v>&nbsp; SoFi Technologies (NASDAQ:SOFI) is trading around $25.80 as of market close on January 26, 2026. While a return to its 52-week high near $32.73 is possible, most analysts have a consensus \"Hold\" rating and an average price target around $27.58 ahead of the Q4 earnings report on January 30, 2026. Key Insights 1. After a 60%+ run, does SoFi need to beat and raise to move higher? Yes, it is highly likely that SoFi will need to beat both EPS and revenue estimates and provide strong forward guidance to see significant upside from the current price.&nbsp; High Expectations: The stock's run-up has led to a rich valuation (forward P/E around 71x), meaning years of optimism are already pr","text":"$SoFi Technologies Inc.(SOFI)$ SoFi Technologies (NASDAQ:SOFI) is trading around $25.80 as of market close on January 26, 2026. While a return to its 52-week high near $32.73 is possible, most analysts have a consensus \"Hold\" rating and an average price target around $27.58 ahead of the Q4 earnings report on January 30, 2026. Key Insights 1. After a 60%+ run, does SoFi need to beat and raise to move higher? Yes, it is highly likely that SoFi will need to beat both EPS and revenue estimates and provide strong forward guidance to see significant upside from the current price. High Expectations: The stock's run-up has led to a rich valuation (forward P/E around 71x), meaning years of optimism are already pr","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/526180108067344","isVote":1,"tweetType":1,"viewCount":2953,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"essenList":[{"id":623124814619312,"gmtCreate":1793169294394,"gmtModify":1793202600180,"author":{"id":"3527667691843168","authorId":"3527667691843168","name":"Marktomarket","avatar":"https://static.tigerbbs.com/default-avatar2.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3527667691843168","idStr":"3527667691843168"},"themes":[],"title":"Risk Came Back Before the Fed. Earnings Will Decide Whether It Stays.","htmlText":"QQQ rose as SoFi and Nebius gained more than 11 per cent The <a target=\"_blank\" href=\"https://ttm.financial/S/QQQ\">$Invesco QQQ(QQQ)$</a>, which tracks the Nasdaq 100, gained 1.27 per cent on Tuesday, while the <a target=\"_blank\" href=\"https://ttm.financial/S/.SPX\">$S&amp;P 500(.SPX)$</a> rose 0.60 per cent. <a target=\"_blank\" href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a> jumped 13.42 per cent, <a target=\"_blank\" href=\"https://ttm.financial/S/NBIS\">$NEBIUS(NBIS)$</a> gained 11.22 per cent and <a target=\"_blank\" href=\"https://ttm.financial/S/CRWV\">$CoreWeave, Inc.(CRWV)$</a> rose 7.94 per cent. <a target=\"_blank\" href=\"https://ttm.financial/S/AMD\">$Advanced Micro Devices(AMD)$</a>, <a target=\"_blank\" href=\"https://ttm.financial/S/AVGO\">$Broadcom(AVGO)$</a> and","listText":"QQQ rose as SoFi and Nebius gained more than 11 per cent The <a target=\"_blank\" href=\"https://ttm.financial/S/QQQ\">$Invesco QQQ(QQQ)$</a>, which tracks the Nasdaq 100, gained 1.27 per cent on Tuesday, while the <a target=\"_blank\" href=\"https://ttm.financial/S/.SPX\">$S&amp;P 500(.SPX)$</a> rose 0.60 per cent. <a target=\"_blank\" href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a> jumped 13.42 per cent, <a target=\"_blank\" href=\"https://ttm.financial/S/NBIS\">$NEBIUS(NBIS)$</a> gained 11.22 per cent and <a target=\"_blank\" href=\"https://ttm.financial/S/CRWV\">$CoreWeave, Inc.(CRWV)$</a> rose 7.94 per cent. <a target=\"_blank\" href=\"https://ttm.financial/S/AMD\">$Advanced Micro Devices(AMD)$</a>, <a target=\"_blank\" href=\"https://ttm.financial/S/AVGO\">$Broadcom(AVGO)$</a> and","text":"QQQ rose as SoFi and Nebius gained more than 11 per cent The $Invesco QQQ(QQQ)$, which tracks the Nasdaq 100, gained 1.27 per cent on Tuesday, while the $S&P 500(.SPX)$ rose 0.60 per cent. $SoFi Technologies Inc.(SOFI)$ jumped 13.42 per cent, $NEBIUS(NBIS)$ gained 11.22 per cent and $CoreWeave, Inc.(CRWV)$ rose 7.94 per cent. $Advanced Micro Devices(AMD)$, $Broadcom(AVGO)$ and","images":[],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":62,"commentSize":17,"repostSize":3,"link":"https://ttm.financial/post/623124814619312","isVote":1,"tweetType":1,"viewCount":1795,"authorTweetTopStatus":1,"verified":2,"subType":2,"comments":[{"author":{"id":"3576140222331577","authorId":"3576140222331577","name":"Guavaxf3006","avatar":"https://static.tigerbbs.com/1ff15ff6aa254c9130f9af922f7e2447","crmLevel":12,"crmLevelSwitch":1,"authorIdStr":"3576140222331577","idStr":"3576140222331577"},"content":"Thanks a very good analysis. I do take one key observation in that you rightly pointed out the rise was not uniformed, and it should not be so. But another observation is that the hyperscalers rowe much more moderately than the smaller participants. Particulary the Neocloud groups. This I would caution on as these are the very same parties which were targetted in the recent collapse. Easy come, easy go comes to mind here.","text":"Thanks a very good analysis. I do take one key observation in that you rightly pointed out the rise was not uniformed, and it should not be so. But another observation is that the hyperscalers rowe much more moderately than the smaller participants. Particulary the Neocloud groups. This I would caution on as these are the very same parties which were targetted in the recent collapse. Easy come, easy go comes to mind here.","html":"Thanks a very good analysis. I do take one key observation in that you rightly pointed out the rise was not uniformed, and it should not be so. But another observation is that the hyperscalers rowe much more moderately than the smaller participants. Particulary the Neocloud groups. This I would caution on as these are the very same parties which were targetted in the recent collapse. Easy come, easy go comes to mind here."}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":526814361113896,"gmtCreate":1769652304479,"gmtModify":1769666365858,"author":{"id":"4102123614530830","authorId":"4102123614530830","name":"nerdbull1669","avatar":"https://community-static.tradeup.com/news/8ac2db9ff7976dac4aa567ce14027bd6","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4102123614530830","idStr":"4102123614530830"},"themes":[],"title":"SoFi Hitting $30? - Bull Put Spread -> \"Tug-Of-War\" Phase","htmlText":"With <a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a> coming up on 30 Jan Pre-market, will we see it creating another exceptional run after its earnings? SoFi is heading into its Q4 2025 earnings report (scheduled for January 30, 2026) in a bit of a \"tug-of-war\" phase. While the company has fundamentally transformed into a profitable bank, the stock's recent performance and valuation suggest that the market is demanding perfection. Here is the breakdown of whether we’re looking at another \"exceptional rally\" or \"heavy volatility.\" The Bull Case: Why an Exceptional Rally is Possible SoFi has a habit of \"sandbagging\"—providing conservative guidance and then blowing past it. For an exceptional rally to occur, they likely need to hit these three notes: EPS \"Super-Beat\"","listText":"With <a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a> coming up on 30 Jan Pre-market, will we see it creating another exceptional run after its earnings? SoFi is heading into its Q4 2025 earnings report (scheduled for January 30, 2026) in a bit of a \"tug-of-war\" phase. While the company has fundamentally transformed into a profitable bank, the stock's recent performance and valuation suggest that the market is demanding perfection. Here is the breakdown of whether we’re looking at another \"exceptional rally\" or \"heavy volatility.\" The Bull Case: Why an Exceptional Rally is Possible SoFi has a habit of \"sandbagging\"—providing conservative guidance and then blowing past it. For an exceptional rally to occur, they likely need to hit these three notes: EPS \"Super-Beat\"","text":"With $SoFi Technologies Inc.(SOFI)$ coming up on 30 Jan Pre-market, will we see it creating another exceptional run after its earnings? SoFi is heading into its Q4 2025 earnings report (scheduled for January 30, 2026) in a bit of a \"tug-of-war\" phase. While the company has fundamentally transformed into a profitable bank, the stock's recent performance and valuation suggest that the market is demanding perfection. Here is the breakdown of whether we’re looking at another \"exceptional rally\" or \"heavy volatility.\" The Bull Case: Why an Exceptional Rally is Possible SoFi has a habit of \"sandbagging\"—providing conservative guidance and then blowing past it. For an exceptional rally to occur, they likely need to hit these three notes: EPS \"Super-Beat\"","images":[{"img":"https://community-static.tradeup.com/news/f4c4efbf15cbe7c11279ed66888c3807","width":"1146","height":"239"},{"img":"https://community-static.tradeup.com/news/3e4852ef0ae085ff6003e456418a94b5","width":"323","height":"404"},{"img":"https://community-static.tradeup.com/news/cdfb30098522b70ec32316c1f19c5755","width":"742","height":"387"}],"top":1,"highlighted":1,"essential":2,"paper":2,"likeSize":6,"commentSize":1,"repostSize":1,"link":"https://ttm.financial/post/526814361113896","isVote":1,"tweetType":1,"viewCount":5055,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"4226679013846662","authorId":"4226679013846662","name":"宇大夫美股","avatar":"https://community-static.tradeup.com/news/0c084a873ab859755abbd5319a79e68b","crmLevel":1,"crmLevelSwitch":0,"authorIdStr":"4226679013846662","idStr":"4226679013846662"},"content":"I bought a call option and was ready to wait for the upside,[龇牙]","text":"I bought a call option and was ready to wait for the upside,[龇牙]","html":"I bought a call option and was ready to wait for the upside,[龇牙]"}],"imageCount":4,"langContent":"EN","totalScore":0},{"id":526590150493640,"gmtCreate":1769597438774,"gmtModify":1769604683014,"author":{"id":"3572753591805453","authorId":"3572753591805453","name":"zhingle","avatar":"https://static.tigerbbs.com/c02cf1400ebf75fbfd40821cde407263","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3572753591805453","idStr":"3572753591805453"},"themes":[],"title":"","htmlText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a>&nbsp; 📊 The Setup: Momentum Meets a High Bar Bullish backdrop • SoFi rallied 60%+ in 2025 despite market volatility, driven by record member growth and expanding fee-based revenue.  • Q3 results delivered 38% revenue growth, strong profitability, and solid user engagement, with 12.6M members and 18.6M products — evidence of cross-sell and ecosystem traction.  • Fee-based revenue is scaling, now a meaningful portion of total sales and helping offset interest income cyclicality.  Key consensus expectations • EPS ~ $0.12 on ~$977M revenue (Wall Street consensus), implying a growth continuation bias.  • Estimates reflect ~33% YoY revenue growth, a robust growth rate for a scaled fintech.  ⸻ 📈 Bull Case: Why $","listText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a>&nbsp; 📊 The Setup: Momentum Meets a High Bar Bullish backdrop • SoFi rallied 60%+ in 2025 despite market volatility, driven by record member growth and expanding fee-based revenue.  • Q3 results delivered 38% revenue growth, strong profitability, and solid user engagement, with 12.6M members and 18.6M products — evidence of cross-sell and ecosystem traction.  • Fee-based revenue is scaling, now a meaningful portion of total sales and helping offset interest income cyclicality.  Key consensus expectations • EPS ~ $0.12 on ~$977M revenue (Wall Street consensus), implying a growth continuation bias.  • Estimates reflect ~33% YoY revenue growth, a robust growth rate for a scaled fintech.  ⸻ 📈 Bull Case: Why $","text":"$SoFi Technologies Inc.(SOFI)$ 📊 The Setup: Momentum Meets a High Bar Bullish backdrop • SoFi rallied 60%+ in 2025 despite market volatility, driven by record member growth and expanding fee-based revenue.  • Q3 results delivered 38% revenue growth, strong profitability, and solid user engagement, with 12.6M members and 18.6M products — evidence of cross-sell and ecosystem traction.  • Fee-based revenue is scaling, now a meaningful portion of total sales and helping offset interest income cyclicality.  Key consensus expectations • EPS ~ $0.12 on ~$977M revenue (Wall Street consensus), implying a growth continuation bias.  • Estimates reflect ~33% YoY revenue growth, a robust growth rate for a scaled fintech.  ⸻ 📈 Bull Case: Why $","images":[{"img":"https://community-static.tradeup.com/news/cf1f9b838d95d56aeb8a342900ff9bf5","width":"1179","height":"947"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/526590150493640","isVote":1,"tweetType":1,"viewCount":2899,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":526180108067344,"gmtCreate":1769494779957,"gmtModify":1769494786577,"author":{"id":"4209509375264322","authorId":"4209509375264322","name":"這是甚麼東西","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4209509375264322","idStr":"4209509375264322"},"themes":[],"title":"","htmlText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a><v-v data-views=\"0\"></v-v>&nbsp; SoFi Technologies (NASDAQ:SOFI) is trading around $25.80 as of market close on January 26, 2026. While a return to its 52-week high near $32.73 is possible, most analysts have a consensus \"Hold\" rating and an average price target around $27.58 ahead of the Q4 earnings report on January 30, 2026. Key Insights 1. After a 60%+ run, does SoFi need to beat and raise to move higher? Yes, it is highly likely that SoFi will need to beat both EPS and revenue estimates and provide strong forward guidance to see significant upside from the current price.&nbsp; High Expectations: The stock's run-up has led to a rich valuation (forward P/E around 71x), meaning years of optimism are already pr","listText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a><v-v data-views=\"0\"></v-v>&nbsp; SoFi Technologies (NASDAQ:SOFI) is trading around $25.80 as of market close on January 26, 2026. While a return to its 52-week high near $32.73 is possible, most analysts have a consensus \"Hold\" rating and an average price target around $27.58 ahead of the Q4 earnings report on January 30, 2026. Key Insights 1. After a 60%+ run, does SoFi need to beat and raise to move higher? Yes, it is highly likely that SoFi will need to beat both EPS and revenue estimates and provide strong forward guidance to see significant upside from the current price.&nbsp; High Expectations: The stock's run-up has led to a rich valuation (forward P/E around 71x), meaning years of optimism are already pr","text":"$SoFi Technologies Inc.(SOFI)$ SoFi Technologies (NASDAQ:SOFI) is trading around $25.80 as of market close on January 26, 2026. While a return to its 52-week high near $32.73 is possible, most analysts have a consensus \"Hold\" rating and an average price target around $27.58 ahead of the Q4 earnings report on January 30, 2026. Key Insights 1. After a 60%+ run, does SoFi need to beat and raise to move higher? Yes, it is highly likely that SoFi will need to beat both EPS and revenue estimates and provide strong forward guidance to see significant upside from the current price. High Expectations: The stock's run-up has led to a rich valuation (forward P/E around 71x), meaning years of optimism are already pr","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/526180108067344","isVote":1,"tweetType":1,"viewCount":2953,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":527371526623520,"gmtCreate":1769774856208,"gmtModify":1769774859855,"author":{"id":"3564727991835557","authorId":"3564727991835557","name":"Syaoron","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3564727991835557","idStr":"3564727991835557"},"themes":[],"title":"","htmlText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a> cut everything, time for correction&nbsp;","listText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a> cut everything, time for correction&nbsp;","text":"$SoFi Technologies Inc.(SOFI)$ cut everything, time for correction","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/527371526623520","isVote":1,"tweetType":1,"viewCount":4422,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}]}