Monday Jan 27 will tell us a lot about the bulls vs bears control of $SOFI. 

When the macro was tilted against it from 2022-2024, it didn’t really matter what $SOFI did. The shorts could easily collude to maintain their strangle hold on the stock. Case in point - Despite delivering record numbers and an exceedingly good 3rd quarter of 2024, somehow the stock was held back and fell nearly 10% on earnings day (see below). 

How do we know this price action was contrived and not entirely organic? Because the stock gained back those losses almost immediately and has not looked back since. 

If $SOFI delivers another blockbuster quarterly earnings on Jan 27 and somehow the stock price is still held back - it is a clear sign that this three year bulls vs bears tussle is not over yet and the bears are still in control. If on the other hand - $SOFI runs post earnings on Monday - especially if the run is not inconsistent with how the rest of its fintech peers are respond to good earnings - then we will finally know the shackles are off and we are off the races. 

In many ways, Jan 27 can set the tone for the year. It is probably one of the most important days in $SOFI’s as a public company.