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SoFi’s Surprise Surge: What It Means

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Written by Timothy Sykes Reviewed by Jack Kellogg Fact-checked by Ellis Hobbs
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SoFi Technologies Inc. is seeing a boost on optimism surrounding its latest financial outlook and innovative product offerings, with the stock trading up by 6.13 percent on Wednesday.

Exciting Developments:

  • SoFi Technologies has rolled out more than eight new perks under SoFi Plus, offering members over $1,000 in annual value with unique financial services, creating significant buzz among investors.

Candlestick Chart

Live Update At 17:03:26 EST: On Wednesday, March 12, 2025 SoFi Technologies Inc. stock [NASDAQ: SOFI] is trending up by 6.13%! Discover the key drivers behind this movement as well as our expert analysis in the detailed breakdown below.

  • They’ve issued $697.6M in notes secured by personal loans, marking their first such move in the Consumer Loan Program since 2021, attracting 35 investors, thus demonstrating robust demand.

  • Galileo Financial Technologies, a part of SoFi, unveils a pioneering co-brand debit setup that lets brands provide rewards, usually kept for credit cards, within the U.S. hospitality scene.

Financial Overview: SoFi’s Numbers

As millionaire penny stock trader and teacher Tim Sykes says, “Cut losses quickly, let profits ride, and don’t overtrade.” This principle has become a guiding light for many in the world of trading, helping them navigate the volatile markets with prudence. By adhering to these wise words, traders can manage risk more effectively and maximize their potential for profit. Taking swift action to minimize losses ensures that traders protect their capital, while allowing successful trades to flourish pushes the potential gains higher. Additionally, avoiding the temptation to overtrade prevents fatigue and poor decision-making. Sykes’ advice encapsulates the essence of disciplined trading, and it’s something every trader should consider incorporating into their strategy.

SoFi’s recent earnings report paints a broad picture. Revenue stands tall at nearly $2.67B, reflecting a growth of 38.48% over three years. The profitability ratios, although trailing negative lines like an EBIT margin of -7.8%, reveal some positive pockets. Intriguingly, the profit margin for the entire focus hovers over 18%. The balance sheet speaks to a total asset volume of $36.25B, even as total liabilities race to $29.73B. Surprising returns show up here with equity pulling up to the tune of $6.52B.

A staggering note reveals that SoFi’s net income from continuous operations stands firm at $332.47M. Meanwhile, the marketing and development expense ranges, pushing through the budget, crossing the $320M mark. On the stock market, SoFi is dealing with a landscape where its price is varied, yet showing inclinations to stabilize around the $11.92 mark after analyzing stock trends towards the month’s end.

More Breaking News

Engagingly, SoFi’s cost flow from ongoing financing activities experienced a bump up to $1.22B. Strikingly, the long-term debt appears hefty at about $3.1B. Investors might particularly note SoFi’s progressive initiatives as outlined by their forward motion with the introduction of new service offerings, stirring interest against a backdrop of swift stock market dynamics.

Insights from Recent Movements:

SoFi’s announcement of more than eight closely tied offers with SoFi Plus reveals a strategic push to capture greater member engagement. Promoting a rich variety of services, SoFi aims to offer members value exceeding $1,000 annually. These services include intriguing options like limitless 1% Invest rewards match, loan discounts, and a ‘Power of Plus’ sweepstakes with substantial financial prizes. Highlights of these offerings accentuate SoFi’s intentions to drive deeper loyalty, enhancing competitive edge amid burgeoning market challenges. Notably, this development surfaced across several channels, with promising ripples considered in investor circles.

Furthermore, SoFi’s issuance of nearly $698M linked to a novel pool of loans showcases another key development, representing a crucial securitization within its Consumer Loan Program since 2021. The spree attracted 35 investors, mirroring a positive sentiment and hinting at flavorful opportunities in concert with SoFi’s personal loans.

In tandem, Galileo Financial Technologies, a cornerstone of SoFi, introduces an exceptional co-branded debit card program. For brands, this implies a chance to extend noteworthy rewards typically reserved for credit card holders. This initiative marks a noteworthy evolution within the U.S. hospitality sector, signaling SoFi’s expansionary tact and creative vigor in carving new avenues of growth and customer engagement.

Conclusion and Outlook:

Interpreting these movements, SoFi appears committed to its course of adding value to its clientele while ingeniously molding a landscape around innovative financial solutions. The array of benefits proffers a welcoming sense of belonging for members, fueling an aura of enhanced customer relations swayed by positive financial perks.

These developments showcase SoFi’s determination to dwell into insightful, value-added services, with strategic thinking that extends well beyond traditional boundaries. Traders, tracking SoFi’s lively movements, see a company pulsating with intention and a significant manifest to offer unique financial choices amidst a dynamic market. As millionaire penny stock trader and teacher Tim Sykes, says, “Consistency is key in trading; don’t let emotions dictate your trades.” The stock trajectory, between various players, exhibits potential tides with capably navigable waters underscored by SoFi’s thriving initiatives.

This is stock news, not investment advice. Timothy Sykes News delivers real-time stock market news focused on key catalysts driving short-term price movements. Our content is tailored for active traders and investors seeking to capitalize on rapid price fluctuations, particularly in volatile sectors like penny stocks. Readers come to us for detailed coverage on earnings reports, mergers, FDA approvals, new contracts, and unusual trading volumes that can trigger significant short-term price action. Some users utilize our news to explain sudden stock movements, while others rely on it for diligent research into potential investment opportunities.

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* Results are not typical and will vary from person to person. Making money trading stocks takes time, dedication, and hard work. There are inherent risks involved with investing in the stock market, including the loss of your investment. Past performance in the market is not indicative of future results. Any investment is at your own risk. See Terms of Service here

The available research on day trading suggests that most active traders lose money. Fees and overtrading are major contributors to these losses.

A 2000 study called “Trading is Hazardous to Your Wealth: The Common Stock Investment Performance of Individual Investors” evaluated 66,465 U.S. households that held stocks from 1991 to 1996. The households that traded most averaged an 11.4% annual return during a period where the overall market gained 17.9%. These lower returns were attributed to overconfidence.

A 2014 paper (revised 2019) titled “Learning Fast or Slow?” analyzed the complete transaction history of the Taiwan Stock Exchange between 1992 and 2006. It looked at the ongoing performance of day traders in this sample, and found that 97% of day traders can expect to lose money from trading, and more than 90% of all day trading volume can be traced to investors who predictably lose money. Additionally, it tied the behavior of gamblers and drivers who get more speeding tickets to overtrading, and cited studies showing that legalized gambling has an inverse effect on trading volume.

A 2019 research study (revised 2020) called “Day Trading for a Living?” observed 19,646 Brazilian futures contract traders who started day trading from 2013 to 2015, and recorded two years of their trading activity. The study authors found that 97% of traders with more than 300 days actively trading lost money, and only 1.1% earned more than the Brazilian minimum wage ($16 USD per day). They hypothesized that the greater returns shown in previous studies did not differentiate between frequent day traders and those who traded rarely, and that more frequent trading activity decreases the chance of profitability.

These studies show the wide variance of the available data on day trading profitability. One thing that seems clear from the research is that most day traders lose money .

Millionaire Media 66 W Flagler St. Ste. 900 Miami, FL 33130 United States (888) 878-3621 This is for information purposes only as Millionaire Media LLC nor Timothy Sykes is registered as a securities broker-dealer or an investment adviser. No information herein is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. Millionaire Media LLC and Timothy Sykes cannot and does not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. The reader bears responsibility for his/her own investment research and decisions, should seek the advice of a qualified securities professional before making any investment, and investigate and fully understand any and all risks before investing. Millionaire Media LLC and Timothy Sykes in no way warrants the solvency, financial condition, or investment advisability of any of the securities mentioned in communications or websites. In addition, Millionaire Media LLC and Timothy Sykes accepts no liability whatsoever for any direct or consequential loss arising from any use of this information. This information is not intended to be used as the sole basis of any investment decision, nor should it be construed as advice designed to meet the investment needs of any particular investor. Past performance is not necessarily indicative of future returns.

Citations for Disclaimer

Barber, Brad M. and Odean, Terrance, Trading is Hazardous to Your Wealth: The Common Stock Investment Performance of Individual Investors. Available at SSRN: “Day Trading for a Living?”

Barber, Brad M. and Lee, Yi-Tsung and Liu, Yu-Jane and Odean, Terrance and Zhang, Ke, Learning Fast or Slow? (May 28, 2019). Forthcoming: Review of Asset Pricing Studies, Available at SSRN: “https://ssrn.com/abstract=2535636”

Chague, Fernando and De-Losso, Rodrigo and Giovannetti, Bruno, Day Trading for a Living? (June 11, 2020). Available at SSRN: “https://ssrn.com/abstract=3423101”