+4.80% for SoFi stock — technical signals point to oversold bounce

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SoFi rises 4.80% to $23.14 today

Highlights

SoFi reported record Q4 2025 results, surpassing $1 billion in adjusted net revenue and achieving $0.13 diluted EPS, driven by strong operational momentum.
Membership grew by 1 million to 13.7 million, with over half of revenue now from non-lending areas, notably Technology Platform and Financial Services.
SOFI trades at $23.14, sitting below MA-20 ($25.97) and MA-50 ($26.77) but just above MA-200 support at $22.74, with technicals indicating bearish momentum and oversold conditions.

Strong earnings and diversification as ETF closure adds complexity

SoFi reported record quarterly financial results, with adjusted net revenue exceeding $1 billion for the first time and diluted earnings per share of $0.13 in Q4 2025. The company saw strong member growth by adding 1 million new members in the quarter, bringing the total to 13.7 million, and achieved substantial revenue diversification with over half of revenue now coming from non-lending segments, particularly its Technology Platform and Financial Services. Additionally, SoFi announced the liquidation and closure of its SoFi Next 500 ETF, a move that will be a taxable event for shareholders.

Oversold oscillators and weak trend amid firm support and resistance

Momentum on the daily chart remains weak as shown by the MACD (Sell) and a very low ADX reading (10.18, Neutral), which points to limited trend strength. The nearest dynamic resistance sits at the Ichimoku Kijun level of $25.88, while the MA-200 at $22.74 acts as critical support. Oscillators including RSI (27.01), Stochastic RSI (Oversold), and Commodity Channel Index (Oversold) indicate deeply oversold conditions, and the strongly negative Bull/Bear Power signal confirms that sellers dominate intraday movement. Today’s price action opened with a modest upside gap and is situated near the top of the intraday range ($21.89 — $22.78), suggesting moderate volatility with renewed intraday buying after the open, though a sharp divergence persists between the oversold oscillators and ongoing bearish momentum.

Downside risk persists as short-term recovery remains unlikely

Over the next five sessions, SOFI is likely to trade between $22.30 and $24.50, reflecting typical volatility relative to current levels with a bias toward downside as signaled by MACD, ADX, and moving average alignment. The probability of a price increase in the short term is low (less than 20%), so further decline is more likely unless support holds. Sideways movement is expected while the price remains between MA-200 and the $25.88 resistance. A bullish breakout would require movement above $25.88, while a breakdown below $22.74 could trigger additional losses.

Anton Kharitonov, analyst at Traders Union, sees persistent selling pressure on SOFI despite the company’s record results and membership growth. He notes that technical momentum remains weak and that price is testing critical support near the MA-200. The base case is for continued sideways or downside action unless $25.88 is reclaimed. "With oscillators deeply oversold and momentum signals bearish, I remain cautious until the price shows sustained strength above resistance."

Last time, analysts noted that SoFi Technologies is trading below its short- and medium-term moving averages, with the price hovering just below the long-term MA and technical indicators pointing to oversold territory and persistent bearish momentum. Near-term resistance is positioned above current levels, while weak support and continued downside pressure suggest a further decline is more likely in the coming week.

Source of Data: SOFI Price Analysis by TU

The analysis is based on a proprietary model combining technical, on-chain, and expert data. Not investment advice. See methodology

The information is based on forecasts and does not constitute investment advice or a guarantee of future results. Market conditions may change. See our Disclaimer and Editorial Integrity for details.