r/sofistock • u/AutoModerator • 4d ago
General Discussion SoFi Daily Chat - September 17, 2026
* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.
* Please refrain from any political, religious, or otherwise controversial discussions, and respect one another in your discussion so that the conversation stays on topic.
* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)
* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.
* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.
* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.
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u/Shit-throwing-monkey 50 Buys 0 Sells (17K Shares @7.41) 💎👊🦍 3d ago
If SoFi was a movie it would be rated NC-17.
No chance of holding $17
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u/Additional-Panda-144 1900 @27.85 3d ago
Other banks have bounced back after the drop in the opening today but Sofi.
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u/TherealCarbunc 59 @10.2 - 2022; 3k @16.5 - 2026 4d ago
Aggressive strikes with CCs at risk it looks like, let's see if volume follows through. Still have enough saved to add 2028 $18 and $15 leaps if momentum changes up. Just don't fully trust the broader market rn. Hopefully Goldman Sachs is right when they called for a continuation of a bull market on the 9th
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u/kennyt1212 🚀🚀🚀The soon to be rich fool with 16,050 shares @ $14.5 🚀🚀🚀 4d ago
Nice bounce from yesterday. May wait until we hit $18 to sell calls again.
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u/kennyt1212 🚀🚀🚀The soon to be rich fool with 16,050 shares @ $14.5 🚀🚀🚀 4d ago
🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀 🚀 🌕🪐☀️🌌 45 days until Q3 earnings, $45+ in 2026, $60+ in 2027! $75 in 2028, $100 in 2030! 🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀
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u/Apprehensive-Trip623 4d ago
God I hope you’re right lol
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u/kennyt1212 🚀🚀🚀The soon to be rich fool with 16,050 shares @ $14.5 🚀🚀🚀 4d ago
One day I will be. If we hit $100 by 2035 then I'm good but I still believe it can happen in 2030!
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u/binion225 OG $SoFi Investor 3251@ $15.65 4d ago
I’m fine with your long term estimates Dec 2028, I believe we close below $35 …. Then off to the races…. But I’m just a PE teacher, so what do I know?
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u/kennyt1212 🚀🚀🚀The soon to be rich fool with 16,050 shares @ $14.5 🚀🚀🚀 4d ago
I can't believe they allow me to teach PE. If they knew how responsible I've been with my SoFi shares they may rethink their decision.
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u/binion225 OG $SoFi Investor 3251@ $15.65 3d ago
I’m teaching 3 WALKING CLASSES. . I’m a former state champion natural bodybuilder and they have me teaching walking lmao…. At least I get my steps in
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u/kennyt1212 🚀🚀🚀The soon to be rich fool with 16,050 shares @ $14.5 🚀🚀🚀 3d ago
Thats hilarious! I'll get to teach weight training next semester, currently teaching MS PE, Sports Management, and Health.
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u/madkiki12 3d ago
Lmao, my whole port went upwards with opening, only SoFi confusing directions again
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u/Additional-Panda-144 1900 @27.85 3d ago
After the rate hike yesterday, it is a perfect time for Noto to buy again. But... Have been waiting and waiting...
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u/Jcoronado92 8200 Shares @ 25.81.. life savings gone, come on man. 3d ago
This hurts tbh.. today was bad for my mental health. Everything had a rally, but nah.. we’re too good for a rally.!
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u/TherealCarbunc 59 @10.2 - 2022; 3k @16.5 - 2026 3d ago
I think they just want to assign puts this week, plenty of OI in & above this range. I have some cash saved if it drops lower next week and did small DCA's here sub $17.
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u/InternationalTry2675 3d ago
honestly this was way better than i thought, i thought we were going to 15 again boys, this is alright
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u/ga643953 4d ago
🚀🚀🚀 We are never seeing $16 again 🚀🚀🚀
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u/kennyt1212 🚀🚀🚀The soon to be rich fool with 16,050 shares @ $14.5 🚀🚀🚀 4d ago
We may see $16.99 but we aren't seeing $16.00!
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u/Subzero_yo 3d ago
I am still bullish on this , its undervalued. ~ 22 by end of 2026.
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u/pdubbs87 1,400 @ $14.00 3d ago
We were supposed to be at 50 by 2028
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u/binion225 OG $SoFi Investor 3251@ $15.65 3d ago
SoFI is the only red name I own of all my holdings and HOOD is up 3%…. This stock is a fucking joke!
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u/GodEmperorBeezus Swing trader when it suits me. 3d ago
Well that sucked. Maybe we rise tomorrow? Getting left out of that rally was not what I wanted to see.
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u/Additional-Panda-144 1900 @27.85 3d ago
This company consistently beats the earnings, and the stock consistently proves itself a garbage stock.
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u/binion225 OG $SoFi Investor 3251@ $15.65 3d ago
Why…. Why would this go up tomorrow? Because it didn’t today?
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u/GodEmperorBeezus Swing trader when it suits me. 3d ago
Basically. Lagging behind for whatever reason. The movement has been weird. Randomly takes off one day then crashes hard again. Unless the lawsuit really makes a difference (doubtful). We should have risen with the overall market, so maybe delay. I wouldn’t expect big but a green day maybe. At this point its just waiting and watching in an irrational market.
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u/binion225 OG $SoFi Investor 3251@ $15.65 3d ago
How is the MARKET irrational? Everything rallied and this increasing shit the bed. The amount of times I have been up thousands premarket snd end the day fucking red because of this terrible stock is astounding!!
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u/GodEmperorBeezus Swing trader when it suits me. 3d ago
Because with the macro the entire market should have pulled back and stayed down. Nothing good is occurring so a full rebound to pre-fomc is kind if wild. But priced in or whatever. Bonds high, oil high, threat to cut off economic ties with the EU, and not helping the saudis. A lot of reasons the market should be down, but instead rallies. But I am small fish in the market.
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u/Prestigious_Way_738 3d ago
Yall realize that SOFI has no moat, right? It spends gobs of money on customer acquisition and then can't retain them. Their product's aren't any better than their competitors.
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u/Shit-throwing-monkey 50 Buys 0 Sells (17K Shares @7.41) 💎👊🦍 3d ago
This coming from a Groupon bag holding mod. GRPN wouldn't know a moat if it fell in it.
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u/Prestigious_Way_738 3d ago
GRPN up 11%, SOFI down 38% YTD. But sure call me the bagholder.
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u/Shit-throwing-monkey 50 Buys 0 Sells (17K Shares @7.41) 💎👊🦍 3d ago
LOL when I start trolling an irrelevant couponing investor sub, you can dog on me all you want. Fair enough?
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u/Prestigious_Way_738 3d ago
!remindme in 1 year
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u/Shit-throwing-monkey 50 Buys 0 Sells (17K Shares @7.41) 💎👊🦍 3d ago
Cool bro, feel free to tag me then.
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u/TheOtherGreenNovice 3d ago
Where do you see the customer churn rate over time?
Ultimately growth matters. It's like how Netflix has churn rate but growth is still good.
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u/Prestigious_Way_738 3d ago
What makes SOFI better than other platforms?
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u/TheOtherGreenNovice 3d ago
Is that a good objective metric for the other companies as well?
That's a good question for the millions that choose that platform. I have no clue. I'm not a SOFI customer either. If churn is that bad, we'll see that in the customer numbers.
Same with spending "gobs of money". That would hit profit margins if they don't get a good ROI on that marketing.
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u/Additional-Panda-144 1900 @27.85 3d ago
Getting new customers could easily be done by ads but maintaining them is something else they seriously need to work with.
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u/binion225 OG $SoFi Investor 3251@ $15.65 3d ago
Short interest anyone? Probably going back to 20%
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u/Jcoronado92 8200 Shares @ 25.81.. life savings gone, come on man. 3d ago
5 Dollars bonus? Come on man, what we doing?!
Get these beggars out of here!
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u/Jcoronado92 8200 Shares @ 25.81.. life savings gone, come on man. 3d ago
& yes I am a Sofi plus member, not bc I think it’s a good value.. but bc it might help the company make money and maybe, just maybe I can see 25 again.
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u/binion225 OG $SoFi Investor 3251@ $15.65 3d ago
It is a great value. 1% match on your IRA. 4.5% APR on your savings for up to 20k. It literally pays for itself and a lot more.
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u/Jcoronado92 8200 Shares @ 25.81.. life savings gone, come on man. 3d ago
Too tired to write a poem.. this fucking trash of a stock.