Core Viewpoint - SoFi is transitioning from a growth-at-all-costs strategy to focusing on profitability, with increasing member growth, lending revenue, and fee-based income shaping its narrative [3]. Financial Performance - SoFi's recent quarterly results showed record adjusted net revenue of approximately $950 million, representing a year-over-year increase of around 38% [7]. - The company reported a net income of roughly $139 million, indicating strong profitability momentum uncommon in high-growth fintechs [7]. Membership and Growth - Membership increased by more than 30% as new products and cross-sell adoption accelerated [7]. Market Outlook - An AI price-prediction model forecasts a modest price increase for SoFi stock, projecting an average predicted price of $28.50, which implies a move of approximately +3.81% by late March [5][9]. - The model suggests a gentle payoff of current fundamentals rather than a dramatic re-rate, as investors digest recent earnings momentum and guidance updates [5]. Investment Options - SoFi's platform allows users to invest with as little as $5 in fractional shares, making it easier for new users to build positions [6]. - For traders looking for short-term setups, options like long or short futures through prop firms are available, offering funded accounts up to $150,000 after evaluation [8].