During this round of pullback, I've chosen to average up my SOFI position because I see the weakness as more of a healthy consolidation than a fundamental deterioration. The company continues to show strong user growth and an expanding product ecosystem, which reinforces my conviction in its long-term business model. Instead of reacting emotionally to short-term price swings, I view this dip as an opportunity to strengthen my stake in a company I believe has significant upside ahead.
Another reason I'm comfortable averaging up is the improving macro backdrop for fintech firms. With interest rate cuts on the horizon and a gradual rebound in consumer spending, I expect lending activity and cross-selling of financial products to support SOFI's revenue growth. The company's ability to transition from a high-growth startup to a profitable financial institution is a key factor for me. By adding on a pullback, I'm aligning myself with the long-term trend rather than trying to time the bottom.
Lastly, averaging up reflects my confidence in SOFI's management and its execution track record. They've consistently delivered on membership growth, maintained strong regulatory compliance, and diversified beyond student loan refinancing into banking, investing, and technology services. This broader ecosystem positions the company for resilience, even in a volatile market. For me, buying more shares at slightly higher prices during a dip signals conviction — I'm willing to increase my cost basis today because I believe the long-term payoff will outweigh the short-term noise.
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.
| Side | Price | Realized P&L |
|---|---|---|
| Buy Open | 26.80 | +1.03% Holding |
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