SoFi Technologies is one of the core holdings in our TCS High-Net-Worth Mid-Term Model Portfolio.
Today’s earnings report once again confirmed our strong confidence in this position.
1. Earnings Highlights
A. Revenue beat market expectations, mainly driven by strong loan originations and stable personal lending.
B. The platform achieved double-digit growth, showing steady momentum in its core infrastructure.
C. Management raised next quarter’s guidance, aiming to expand profit margins through better cross-selling and improved credit quality.
It is worth noting that the company repeatedly mentioned its AI-based risk control system, which could further enhance efficiency once interest rates stabilize.
2. Technical Structure Overview
A. Since May, SOFI’s price has followed an upward trend line, showing clear institutional buying activity.
B. Main upside target: 161.8% Fibonacci extension ≈ $44
C. Key support: $25.10 (previous breakout level, now turned support)
This pattern of “higher highs and higher lows,” with continuous breaks above key Fibonacci levels, reflects a typical mid-term trend acceleration.
3. TCS View
We included SOFI as a core position in our TCS mid-term portfolio because it fits our “all-weather portfolio” concept — strong fundamentals, accelerating technical trend, and positive sector tailwinds (Fintech + AI + credit recovery).
TCS will continue increasing exposure to high-quality fintech names and select traditional financial stocks that may be re-rated as fintech plays.
SOFI’s current structure suggests it could test the $44 range in the next cycle.
TCS Halloween Special Discount is now live — contact the TCS support team for details.
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