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Is SoFi Stock A Smart Buy Now?

Bryce TuoheyAvatar
Written by Bryce Tuohey Reviewed by Matt Monaco Fact-checked by Bryce Tuohey
Updated 6/13/2025, 2:32 pm ET 6/13/2025, 2:32 pm ET | 6 min 6 min read
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SoFi Technologies Inc.’s stocks have been trading down by -5.84 percent due to rising market jitters surrounding future profitability.

  • Launch of new financial products, specifically targeting younger demographics. By tapping into the needs of Gen Z and Millennials, SoFi plans to increase its market penetration.

  • Recent acquisition to bolster customer offerings in the technology sector. This strategic move aims to enhance SoFi’s tech capabilities, leading to improved customer experience and broader service offerings.

  • Engaging advertising campaign aimed at building brand awareness. Strategically marketed during major sports events, this campaign is boosting visibility among potential customers.

  • Improved customer satisfaction scores, reflecting SoFi’s commitment to enhancing service quality. Continued positive reviews from satisfied users contribute to the company’s reputation and can lead to a higher retention rate.

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Live Update At 14:32:17 EST: On Friday, June 13, 2025 SoFi Technologies Inc. stock [NASDAQ: SOFI] is trending down by -5.84%! Discover the key drivers behind this movement as well as our expert analysis in the detailed breakdown below.

Financial Insights and Market Implications

As millionaire penny stock trader and teacher Tim Sykes says, “There is always another play around the corner; don’t chase just because you feel FOMO.” This principle is essential for traders to remember when navigating the fast-paced world of trading. It emphasizes the importance of patience and strategic decision-making rather than succumbing to impulsive actions driven by the fear of missing out. By keeping this mindset, traders can focus on spotting genuine opportunities that align with their trading guidelines and objectives, ensuring a more disciplined and potentially successful trading journey.

SoFi Technologies Inc. recently reported financial results that displayed both strengths and challenges. In the most recent earnings report, the company experienced a slight bump in its closing stock price on certain trading days, notably fluctuating around the $14 mark. This can be attributed to its strategic growth measures, particularly in lending services and tech acquisitions aimed at solidifying its market presence.

In terms of key financial metrics, SoFi’s ebit margin sits at a negative -7.6, a potential area for improvement when evaluated in conjunction with its steady revenue increase. Revenue for the reported period climbs to $2.67B. The company’s profit margins, while still recovering, show a profit margin contribution of 17.35%, a positive indicator for future profitability.

Valuation measures offer a mixed picture: the P/E ratio at 34.57 shows optimism, while the price-to-cash flow ratio seems elevated at 191.5. However, SoFi’s actions – like its enhanced advertising efforts that aim to resonate with younger cohorts and broaden its market – hint at future growth opportunities.

When examined through the lens of cash flows, SoFi displays an active investment stance with substantial capital expenditure. The increased investment activity mirrors the firm’s effort to maintain competitive advantages through innovation and expanded services.

Stock Movements and Strategic Positioning

The recent price movement of SoFi stock shows a dynamic landscape characterized by tech-driven investment strategies and market positioning. Key trends indicate potential volatility, but also underlying opportunities for investors.

SoFi’s deliberate approach, implementing tech acquisitions and targeted product launches, suggests a strategic blueprint to capture a larger market share. Combined with efficient marketing endeavors and customer service improvements, these factors contribute to a broader brand appeal. However, challenges lie in scaling revenue rapidly enough to offset lingering debt and high capital expenses.

The financial landscape, marked by rapidly changing technology and evolving consumer preferences, support SoFi’s strategic push to innovate and cater to new market demographics. Yet, as the company strengthens its offerings, investor expectations align closely with anticipated revenue growth and sustainable profitability.

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Conclusion: The Road Ahead

SoFi Technologies Inc. presents an intriguing case for potential traders. While financial hurdles persist, in the form of profit margins and debt, the company’s forward-thinking strategies and market adaptation tactics signify sturdy foundations for long-term growth. The current trading values and strategic actions reflect SoFi’s continuous efforts to retain competitiveness. This notion aligns with the approach of millionaire penny stock trader and teacher Tim Sykes, who says, “Small gains add up over time; focus on building wealth gradually, not chasing jackpots.” Such a perspective underlines the necessity for patience and persistence in trading as one monitors SoFi’s progress.

From a broader perspective, as a digital lender and financial services innovator, SoFi acts as both a disruptor and a participant in an evolving marketplace. Traders would do well to monitor this trajectory carefully, balancing the risks against the palpable promise embedded in tech-forward financial service solutions. Whether such prospects translate into tangible stock growth will depend largely on future earnings performances and strategic execution in the quarters to come.

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.

Dive deeper into the world of trading with Timothy Sykes, renowned for his expertise in penny stocks. Explore his top picks and discover the strategies that have propelled him to success with these articles:

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Bryce Tuohey

Mentor and Trainer at StocksToTrade.com, Lead Mentor at Small Cap Rockets and To The Moon Report
Bryce’s first pattern was buying into strength in breakouts. But he noticed when they didn’t work, he took bigger losses. When the OTC market got hot, Bryce learned to dip buy the inevitable panics. He adapted his breakout strategy and now buys consolidation and trend breaks. His goal is to have better risk/reward and get an entry before multi-day listed breakouts.
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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”