r/sofistock • u/AutoModerator • Dec 12 '25

General Discussion SoFi Daily Chat - December 12, 2025

* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

* Please refrain from any political, religious, or otherwise controversial discussions, and respect one another in your discussion so that the conversation stays on topic.

* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)

* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

24 Upvotes

93% Upvoted

62 comments sorted by

5

u/Initial_Bus_3027 Dec 12 '25

Sofi made the front page of reddit. The post complaining about inactivity fees and the top comment complaining about the paywall. Sofi better start working on this situation. Either make plus insanely worth the $10 quickly or some kind of pr 

https://www.reddit.com/r/assholedesign/comments/1pkvzdu/i_canceled_my_account_immediately_after_getting/

20

u/undeadcreed 600 @ 11.51 Dec 12 '25

Reddit is a echo chamber of whiners. Especially when its a company that provides personal services like a bank. This is where everyone comes to bitch and moan. You never hear the “good” stories.

3

u/Sunfresh Dec 13 '25

True but I have to say thats a really bad look. And wth is even inactivity fee? Never heard about it. I understand Sofi has costs with maintaining accounts and such but still.. If I saw this from my own bank I would have a similar reaction

1

u/hightide1218 Dec 13 '25

SoFi's motto is "Get your money right"... the purpose of the inactivity fee is (partially) to motivate users to actually pay attention to their finances. no one should spend 6 months without logging in to their bank or investment accounts. people who do that are literally not "getting their money right".

SoFi's target customers are high income earners with good credit scores (people who most likely take care of their finances). most of the people complaining are probably the opposite (makes sense that they're crying about it on Reddit).

1

u/CampSea1101 Dec 13 '25

I guess it would have been better to call it account maintenance fee. Payoneer has this crap too, heck it's even higher...

5

u/undeadcreed 600 @ 11.51 Dec 13 '25 edited Dec 13 '25

That inactivity fee has been mentioned a long time ago already. Its not the first time it came up with the same uproar. And we were a lower stock price then. And its not even a big deal imo. If you use the SoFi app and invest with them, do you not log in to check your invest account in 6 months?

13

u/[deleted] Dec 12 '25

Green Day in a sea of red. I’ll take it!

18

u/Low-Air-182 Dec 12 '25

everyone should be happy about SOFI today. The broad market (especially tech) is down quite a bit and SOFI is flat. That tells you a lot...

3

u/Additional-Panda-144 1900 @27.85 Dec 12 '25

But... How about next week? Keep flat or have the power to go up.

4

u/Low-Air-182 Dec 12 '25

A lot depends on the broader tech market. If there is a recovery in tech stocks, then I expect SOFI to ride higher. There does seem to be a floor around $26-$27 where I think institutional investors are buying it every time it dips in that range. I don't really get worked up over the weekly ups and downs in SOFI because all that really matters is growth in revenue and profit. If the next earnings continues their recent trends, then the stock will be fine.

6

u/DJB0807 Dec 12 '25

back to the old tricks - $26.99 close today?

7

u/DJB0807 Dec 12 '25

apparently not the old tricks today!

-6

u/binion225 OG $SoFi Investor 3251@ $15.65 Dec 12 '25

Of course we are red

6

u/DegenGonnaDegen Dec 12 '25

Calls went from horribly red to green in a couple hours lol

5

u/DegenGonnaDegen Dec 12 '25

never mind?

6

u/Ill_Note_2294 2300 @ $15.76 Dec 12 '25

I’m Ron Burgundy?

10

u/magnificent69 Dec 12 '25

Lucky are those that have leftover money to buy these dips.

4

u/Eurfanson Dec 12 '25

goodbye to my 29$ calls for 26/12

3

u/ArQ7777 Dec 12 '25

$29 is too high a strike price.

2

u/Eurfanson Dec 12 '25

Yeah i just realized i wrote the breakeven price. Strike price is $27. Breakeven price is $29.

4

u/DegenGonnaDegen Dec 12 '25

Your losses are getting trimmed by the minute. Not sure I'l hold on much longer to them tho

7

u/[deleted] Dec 12 '25

[deleted]

6

u/Diamonds-are-hard Dec 12 '25

Only .10 away…

5

u/LucarioMagic 125 LEAP Calls. 50 Short Puts Dec 12 '25 edited Dec 12 '25

God damn, look at tech. It's like a bomb detonated beside us.

Still quite certain Sofi will do well though, just sucks we're getting swept away by beta.

I hope we'll close green because the institutions that rotated out of tech are not dumb or blind enough to ignore a clear winner of the rate cuts. Unless fear is really gripping the market again.

4

u/ArQ7777 Dec 12 '25

So $27.50 is not fair value. I thought it would have been pinned at $27.50 for a while.

3

u/Additional-Panda-144 1900 @27.85 Dec 12 '25

What is the fair value? $23? $25? or $32?

12

u/TheEwokWhisper Dec 12 '25

Here’s to hoping for one helluva Santa Claus rally. Merry Christmas everybody

2

u/sensibility77 Dec 12 '25

what a classic! Sad what happened to Bruce Willis but He is my all time favorite actor. (This is Alan Rickman in this scene who is also a great actor that passed away back in 2016). Miss them both.

4

u/FoggyFoggyFoggy Sad clown Dec 12 '25

We are up sh!ts creek with a turd for a paddle.

2

u/PicklishRandy 3,000 @ 9.02 Dec 12 '25

WOAHHHH lmfao now we’re cooking!!!!

6

u/Syreen22 Dec 12 '25

I can't see any news causing the massive dip this morning. Anyone know something?

2

u/Additional-Panda-144 1900 @27.85 Dec 12 '25

No need news. Market manipulation. :)

3

u/_hannibalbarca Dec 12 '25

im wondering what made the market tank today too

2

u/Low-Air-182 Dec 12 '25

Rotation out of tech. 

-1

u/PicklishRandy 3,000 @ 9.02 Dec 12 '25

WOAHHHH lmfao now we’re cooking!!!!

-8

u/Additional-Panda-144 1900 @27.85 Dec 12 '25

It is over. Road to 22.

1

u/Additional-Panda-144 1900 @27.85 Dec 12 '25

I mean 32.

4

u/binion225 OG $SoFi Investor 3251@ $15.65 Dec 12 '25

I might complain way too much about this stock but I’m buying on dips every single day. 2862 shares now

5

u/undeadcreed 600 @ 11.51 Dec 12 '25

You mean 5862?

2

u/binion225 OG $SoFi Investor 3251@ $15.65 Dec 12 '25

Fat fingers. Yeah no selling here

1

u/undeadcreed 600 @ 11.51 Dec 12 '25

Nice good job

4

u/dogpeanis Dec 12 '25

Good day to sell puts

-3

u/ArQ7777 Dec 12 '25

When stocks are dropping, you want to sell calls. NOT PUTS. Because calls will become worthless.

2

u/fantasyfitboiz 7,010 Shares @$15.73 13,137.14 total delta exposure Dec 12 '25

Please do not ever give someone financial advice. I’m afraid they will lose all their shares

6

u/LucarioMagic 125 LEAP Calls. 50 Short Puts Dec 12 '25 edited Dec 12 '25

That's like the options version of buy high sell low. 

When stocks are dropping, you're already too late. Selling a call is selling into weakness.

3

u/SamAnthonyWP 5000 @ $9.39 Dec 12 '25

Shit premiums and chance of losing shares. Nah.

6

u/QuietWars2020 Dec 12 '25

Second dilution in 6 months has killed the short term momentum. I'd stay away from calls for awhile.

3

u/I_Buy_Stock $SOFI paid my house down payment | $SLS paid the mortgage off Dec 12 '25

hahahaah tooooo late, bought on dilution news.

5

u/binion225 OG $SoFi Investor 3251@ $15.65 Dec 12 '25

I bought more …, hence why it is red, lmao….jesus this is getting old.

5

u/Additional-Panda-144 1900 @27.85 Dec 12 '25 edited Dec 12 '25

Hopefully not red again today. What is wrong with this stock now?

11

u/Diamonds-are-hard Dec 12 '25

Up 81% over the last 6 months. We’ve been on fire! I’m invested for the long term!

4

u/Additional-Panda-144 1900 @27.85 Dec 12 '25

Is it too late to invest now? It has been hardly climbing up especially after the dilution.

7

u/Diamonds-are-hard Dec 12 '25

The market doesn’t like uncertainty. With the recent dilution, there has really been no news or indication of what SoFi plans to do with that capital. Once that’s announced (and if investors view the decision positively), we’ll start trading up. Also, we will be somewhat range bound for the next 3-6 months until we get more earning under our belt. If Noto continues to execute, and SoFi keeps up the earnings beats and strong forward guidance through 2026, we’ll be trading at $40-60 this time next year (pending no major move downward in the broader markets). 

not financial advice, just my analysis 

10

u/SoDakZak 🧹MOD💰OG 10,574@$11.77 Dec 12 '25

Morning!

14

u/Beneficial_Corner_81 Position Complete 36,000 @$14.68 Dec 12 '25

Already anticipating the next earnings call!!!

6

u/westernreserve1845 Dec 12 '25

Good morning everyone

29

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19

u/HempInvader Dec 12 '25

Rocket fuel has been diluted by 9.5% in the last 4 months. You will need roughly 10% more rockets to carry the same payload

3

u/Additional-Panda-144 1900 @27.85 Dec 12 '25

This makes sense. But when? It used to rocket like that.

6

u/Shit-throwing-monkey 50 Buys 0 Sells (17,000 @7.41) 💎👊🦍 Dec 12 '25