SoFi Technologies, Inc. (SOFI) provides financial services in the US, Latin America, Canada, and Hong Kong. Their offerings are grouped into three main areas: Lending, Technology Platform, and Financial Services. SOFI has been on an upward trend since its low in December 2022. It is expected to rise between $34.95 and $38.49, as long as prices stay above the low from November 21, 2025. A breakthrough above the high on November 12, 2025, would signal a continuation of this rally. Key points in the price history include lows and highs like $11.70 in July 2023 and $6.01 in August 2024. Important levels to note are $18.42 (labeled as ((1)) of III) and $8.60 (labeled as ((2))). The current rally, within ((5)) of III, is likely to exceed $34.95. Significant price levels to watch are $14.78, $12.74, $30.30, $26.38, and $32.56. Currently, SOFI is working on the (3) of ((5)), with a focus on the $32.08–$36.33 area, using the December 17, 2025 low as support. Investors are advised to consider buying after a break above the November 12, 2025 high or during a later IV pullback. Looking back, the bullish trend we expected to start in late 2025 has begun, bringing SOFI into our targeted range. The stock is now trading around $35.10, close to the lower limit of the $34.95 – $38.49 range. This rally gained strength after surpassing the key high of November 12, 2025. The recent rise is supported by strong fundamentals from the Q4 2025 earnings call, showing a 15% increase in revenue compared to last year and member growth of over 400,000. Additionally, recent changes in federal policies have led to an increase in private student loan refinancing applications. Overall market stability, with the VIX staying below 15, has also helped. As we approach the target area, traders might think about selling cash-secured puts with strike prices close to $32.50 to earn premium. This strategy takes advantage of the ongoing high implied volatility from the sharp rally. Historically, after similar rapid price movements in 2024, volatility decreased by about 20% as the price consolidated. For those anticipating a move towards the upper limit near $38.49, buying call debit spreads is a smart strategy. For instance, buying the February $36 call and selling the February $39 call can help control risk while targeting further gains. This approach is often more cost-effective than buying calls outright, protecting against time decay if the stock remains stable for weeks. Monitoring the $32.56 level is crucial, as it marked the peak of a significant wave in mid-2025. If the stock closes below this level on a weekly basis, it may indicate that the bullish trend has lost momentum. This breakdown could invalidate the bullish scenario and lead to a deeper correction.

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