To The Moon

I've been holding SoFi for some time now, and the ride has been nothing short of exciting. Watching the stock surge nearly 270% over the past 12 months has given me strong conviction that this is only the beginning of a much bigger growth story. The company's robust revenue growth, improving profitability, and rapidly expanding ecosystem show me that it's not just hype—it's execution.

Right now, I'm sitting on a comfortable profit with my position, and I continue to feel very bullish about where SoFi $SoFi Technologies Inc.(SOFI)$   is headed. For me, it's not just about the short-term price action but also about the long-term transformation of the business. SoFi is no longer just a fintech startup—it's evolving into a full-fledged financial ecosystem that keeps gaining traction quarter after quarter.

When I look at SoFi's fundamentals, what excites me most is the momentum in both membership growth and product adoption. More users are turning to SoFi not only for lending but also for checking, savings, investing, and even credit cards. This kind of diversification reduces risk, strengthens brand loyalty, and positions SoFi as a future leader in digital banking.

From a macro perspective, the expectations for lower interest rates act as a huge tailwind. Lending activity could pick up even further, while funding costs should ease. This combination creates a powerful environment for SoFi to widen margins and accelerate earnings. It's one of the clearest beneficiaries of a rate-cut cycle, and I believe that's exactly why the stock has been running so strong.

As for the price action itself, I see no reason why SoFi won't take out its 2021 high of $28.26 soon. Momentum is strong, investor sentiment is bullish, and the fundamental story supports higher valuations. I wouldn't be surprised to see SoFi hitting fresh all-time highs in the near future. To me, this rally is far from over.

Beyond SoFi, I also think other fintech and growth names tied to lending and consumer spending could benefit from lower interest rates. Companies like Block $Block, Inc.(XYZ)$   and PayPal $PayPal(PYPL)$   stand to gain, though my conviction with them isn't nearly as strong as with SoFi. For me, SoFi remains my top pick because of its unique combination of growth, profitability, and ecosystem expansion.

In short, I'm holding my SoFi shares with confidence and patience. I believe this stock is still in the early innings of its bull run, and the next leg higher could be even more rewarding. Breaking new highs isn't a question of "if" but "when" in my view—and I plan to stay fully invested to capture that upside.

As a retail investor, I focus mainly on the US and Singapore markets, combining a mix of technical trading and long-term investing strategies. I enjoy analyzing charts, spotting patterns, and making calculated moves based on both market sentiment and fundamentals. While I'm not a professional, I treat my portfolio seriously and continue to learn and grow with each trade. If you're also navigating the markets and enjoy discussing stocks, options, or market trends, feel free to follow me. Let's learn and grow together as a community.

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