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SoFi Stock Surge: Heading Upwards or Plateauing?

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Written by Timothy Sykes Reviewed by Bryce Tuohey Fact-checked by Matt Monaco
Updated 8/22/2025, 2:33 pm ET 8/22/2025, 2:33 pm ET | 6 min 6 min read
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SoFi Technologies Inc. stocks have been trading up by 7.0 percent after strong earnings reports boost investor confidence.

  • Collaborating with Lightspark, SoFi plans to introduce a blockchain-powered international money transfer service. Utilizing the Bitcoin Lightning Network, this endeavor aims to provide faster, more cost-effective transfers directly within the SoFi app.

  • A recently announced public offering sets the common stock price at $20.85 per share, with a goal to raise roughly $1.5B. This initiative will bolster general operations and future ventures.

  • Mizuho’s analysis highlighted SoFi’s strong performance, with a revenue growth rate increase to 44% from Q1’s 33%. Notably, EBITDA margins saw a hefty 600-point enhancement year-over-year.

  • SoFi’s stock price has recently experienced an upward shift, attributed to surpassing expected earnings and revenue in its latest report. The report reflected a jump in Q2 earnings from $0.01 to $0.08 per share and revenue reaching $854.9M, exceeding expectations.

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Live Update At 14:32:00 EST: On Friday, August 22, 2025 SoFi Technologies Inc. stock [NASDAQ: SOFI] is trending up by 7.0%! Discover the key drivers behind this movement as well as our expert analysis in the detailed breakdown below.

Overview of Financial Metrics

When engaging in financial markets, it’s crucial to maintain a disciplined approach. The psychological aspect of trading can often be as challenging as the technical side. As millionaire penny stock trader and teacher Tim Sykes, says, “Consistency is key in trading; don’t let emotions dictate your trades.” Maintaining consistency not only helps in strategizing effectively, but it also mitigates the risk of rash decisions that might be prompted by emotions. The essence of successful trading often lies in the ability to consistently follow a well-defined plan without swaying under pressure or excitement.

In recent developments, SoFi Technologies Inc. stands out as a resilient performer in the financial sector, underlined by its latest earnings report and key financial metrics. The Q2 report showed a drastic increase in adjusted net revenue, which rose 44%, highlighting robust growth. Additionally, their adjusted EBITDA escalated by over 81%, confirming a healthy financial trajectory.

Their cooperation with Lightspark signals SoFi’s bold move into the blockchain field. Integrating Bitcoin’s Lightning Network into their app is aimed at streamlining remittances—an ambitious effort to cut transaction times and expenses. These ventures further underscore SoFi’s capability to adapt and thrive under technological advancements.

Financially, SoFi aims to reinforce its solid standing with a public stock offering priced at $20.85, potentially raking in $1.5B. This fresh injection will support diverse operational goals. Through effective valuation measures, like a PE ratio of 44.77 and a noticeable price-to-sales ratio of 8.86, SoFi’s market position looks strong, despite the prevailing market volatility.

The soaring revenues captured in recent reports were beyond expectations, with revenue tallying $854.9M against predictions. This indicates a solidified trust from investors, elevating the overall stock perception positively.

The Upshot of Key News Articles

A deep dive into the prevalent news articles reveals dimensions of SoFi’s resilience and strategic moves that are effectively redefining their market landscape. Amidst the digital innovation drive, the alliance with Lightspark notably stands out as a pivotal move. This venture into the blockchain domain is projected to capture gains in popularity and efficiency in international remittances.

SoFi’s bold stride towards enhancing revenue models is strikingly evident in its latest Q2 report, portraying prodigious financial health. The report echoes an impressive revenue scale and increased earnings, far outstripping anticipated metrics. These assurances appear to elevate confidence among stockholders and potential investors alike, thereby driving a healthier-than-ever stock value.

Moreover, a public offering at a set price signifies SoFi’s tactical foresight in capturing additional capital and channeling these funds towards meaningful corporate purposes. This maneuver not only reflects a pragmatic business approach but strengthens financial governance as well.

Mizuho’s affirmative analysis further echoes the prevailing sentiment of a promising path ahead for SoFi. Their upgraded projections after significant revenue growth, buoyed by enhancements in both earnings and autonomous values, place SoFi steadfastly on the path to expansive growth outcomes.

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Prediction and Future Trajectory

Projecting into the future, SoFi’s recent news suggests that their strategic alliances and robust earnings reports are setting the company in good stead. The expansion in both new tech ventures and core financial metrics leads to a promising outlook. Expectations for SoFi’s stock price are buoyed by enhanced trader sentiments, a healthier bottom line, and ongoing strategic initiatives that collectively simplify their execution paths.

This favorable confluence of factors, including the notable rise in revenue and forward-thinking technological advancements, indicates SoFi is poised for continuous growth. As millionaire penny stock trader and teacher Tim Sykes says, “You must adapt to the market; the market will not adapt to you.” This highlights the importance of adapting to dynamic trading conditions and recognizing that, as promising as these strides might seem, they come with a naturally inherent risk, subject to market shifts and broader economic trends.

In conclusion, SoFi’s current performance and future plans illustrate a financially adept trajectory. If effectively navigated, their recent endeavors and impressive financial metrics might forecast a period of sustained stock value rise—a testament to not only adapting to change but to also harnessing it proficiently.

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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Tim Sykes

Head Writer at TimothySykes.com, Lead Mentor at the Trading Challenge
In his 20-plus years of trading, Tim has made $7.9 million. In his 15-plus years of teaching, Tim’s Trading Challenge has produced over 30 millionaire students. His philosophy emphasizes small gains and cutting losses quickly.
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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”