Group 1 - SoFi Technologies (NASDAQ: SOFI) stock has decreased nearly 40% since a 'Strong buy' recommendation in early December, despite strong Q4 2024 earnings [1] - The decline in stock price began in late January due to softer-than-expected guidance following the earnings report [1] Group 2 - The author has a long position in SoFi shares through stock ownership, options, or other derivatives [2] - The article reflects the author's own opinions and is not compensated by any company mentioned [2]