SoFi Technologies, Inc. (SOFI) offers financial services across the US, Latin America, Canada, and Hong Kong. These services span three segments: Lending, Technology Platform, and Financial Services.
SOFI shows a bullish sequence from its December 2022 low. It is predicted to continue rising between $34.95 and $38.49, provided that the dips remain above the 21 November 2025 low. A breakthrough above the 12 November 2025 will indicate further extension in its daily rally.
The sequence details show various highs and lows, such as $11.70 in July 2023 and $6.01 in August 2024. Notable points include $18.42 as ((1)) of III and $8.60 as ((2)). The rally within ((5)) of III is anticipated to surpass $34.95. Several key levels are documented, including $14.78, $12.74, $30.30, $26.38, and $32.56.
In the current structure, SOFI favours rolling in (3) of ((5)) against the 17 December 2025 low, targeting the $32.08–$36.33 area. It recognises opportunities to buy after a break above the 12 November 2025 high or during a later IV pullback.
Looking back, the bullish sequence we anticipated from late 2025 has materialized, pushing SOFI into our target range. The stock is currently trading near $35.10, testing the lower boundary of the $34.95 – $38.49 objective. This rally gained momentum after a break above the key November 12, 2025 high.
The upward move was underpinned by strong fundamentals reported in the Q4 2025 earnings call, which revealed a 15% year-over-year revenue increase and member growth exceeding 400,000. Furthermore, industry data shows a recent surge in private student loan refinancing applications following federal policy changes late last year. Broader market stability, with the VIX holding below 15, has also provided a tailwind.
Given that we are now entering the projected target zone, traders could consider selling cash-secured puts with strikes near $32.50 to collect premium. This strategy capitalizes on the still-elevated implied volatility from the sharp rally. Historically, after similar impulsive moves in 2024, we saw volatility contract by about 20% as the price consolidated.
For those expecting a push towards the upper end of the range near $38.49, buying call debit spreads is a prudent approach. For example, purchasing the February $36 call while selling the February $39 call defines risk and targets the rest of the expected move. This structure is more cost-effective than buying outright calls, protecting against time decay if the stock moves sideways for a few weeks.
It is critical to monitor the $32.56 level, which was the peak of a significant wave in mid-2025. A failure to hold above this technical area on a weekly closing basis would suggest the bullish impulse is exhausted. Such a breakdown would invalidate the immediate upside case and open the door for a deeper corrective pullback.
