SoFi started July riding strong technical momentum. The stock held steady in a tight range between $19.64 and $20.27 on heavy volume of nearly 64 million shares, a signal of commanding institutional and retail interest. That interest isn’t just about price shaping—it tracks a wave of record growth that underpins both bullish hope and cautious doubt.
The company posted $771.8 million in Q1 2025 revenue, jumping 20% year-over-year. Adjusted earnings per share soared 200% over the same period, marking its sixth straight quarter of triple-digit EPS gains. Member count surpassed 10.9 million, a gain of 800,000 in just three months, and the platform now supports nearly 16 million products, up 35% in a year. Management raised full-year revenue guidance to between $3.235 billion and $3.31 billion, reflecting confidence in sustaining 24–27% growth for the year. Analysts expect EPS growth of 84% in 2025 and 91% in 2026. These on-paper achievements explain why the stock recently broke out to its highest levels since late 2021, carving base patterns that technical traders love and driving price into buy zones near $18.43 and beyond.
In parallel, SoFi is gaining traction on social platforms. The stock ranks in the 91st percentile for retail sentiment among fintechs, and mentions of SOFI tags and discussion threads are increasingly visible on Stocktwits and Reddit. That chatter often zones in on fintech momentum trades, especially while crypto integration and episodic catalysts like debit card partnerships re-enter the narrative.
That re-entry into crypto services reflects deliberate strategy. A July announcement flagged a return to the crypto ecosystem with planned wallet and transfer tools, and news reports suggest the company may pursue acquisitions to solidify that push. Technically, breaking above resistance near $20 on sustained volume could trigger a climb toward or beyond the $28 record high. Alternately, weakness under $18 could signal cooling with a pivot back toward the 50-day moving average near $14.20.
Counted bullish factors include strong top-line and earnings growth, expanding membership and product usage, breakout price structure, positive social sentiment and renewed exposure to trending crypto services. Bears point to valuation risk with a forward P/E near 66, sensitivity to rate changes given heavy loan origination, lingering macro headwinds in loan demand and sudden regulatory or market shifts that often rattle fintech stocks. Recent Fed commentary and inflation data could tip the scale quickly.
Options flow shows active volume at near-the-money strikes $20–$22, suggesting both bullish bets and hedging interest tied to the July 29 earnings release. This indicates that traders expect a potential catalyst but are ready to manage downside.
A breakout above $20 on strong volume could mark an entry for momentum traders aiming at prior highs. Conservative traders might wait for confirmation above $22 first. On the downside, a drop below $18 may lead to a retest of the $16–$14 zone.
For investors asking whether SoFi deserves a place in their roster, it combines fintech growth, membership scale, earnings strength and social momentum. Risk factors include valuation, macroeconomic sensitivity and regulatory uncertainty. Those aligned with fintech transition might ride the trend; more cautious investors may opt to wait for clearer signals or consolidation.
Disclaimer: This is not financial advice
Sources:
https://www.investors.com/research/the-new-america/sofi-stock-new-highs/
https://247wallst.com/forecasts/2025/07/04/sofi-technologies-sofi-price-prediction-and-forecast-2025-2030/
https://www.investing.com/equities/sofi-technologies-inc financial data
https://finance.yahoo.com/news/why-sofi-stock-sentiment-shift-115000593.html
https://www.marketbeat.com/stocks/NASDAQ/SOFI/trends-and-sentiment/