Markets don’t always reward execution on schedule. Sometimes they pause, sometimes they pull back, and sometimes they move in ways that feel disconnected from reality. That’s especially true for growth stocks operating in macro-sensitive environments. SoFi’s recent decline came not after disappointment—but after one of its strongest operating quarters to date. Earnings beat expectations, guidance improved, and the business continued its shift toward higher-margin, fee-based revenue.

Yet broader market uncertainty and rate-related anxiety took center stage. Understanding why price can fall even as fundamentals strengthen is critical for investors who think beyond the next headline—and that gap is often where long-term opportunity quietly forms.

Read to the end to see why volatility may be the least important part of SoFi’s story right now.

Let’s embark on this transformative journey together and position your portfolio for success in this evolving market landscape!

Be sure to read through to the end to catch all the valuable insights this newsletter delivers to your inbox today.

Most business owners hit revenue goals and still feel cash-strapped.

Not because they're not making money. But because their money flow is broken, their decisions feel urgent instead of strategic, and their systems feel fragile instead of solid.

The Find Your Flow Assessment pinpoints exactly where friction shows up between your business and personal finances.

5 minutes with the Assessment gets you clarity on:

No spreadsheets, or pitch. Just actionable insight into what's not working and why.

Take the Assessment

_{Educational only. Not investment or tax advice.}

Five years ago, Weatherford International $WFRD ( ▲ 3.9% ) shares were trading around $7.60 each. Today, it's closed at $94.08—a powerful 1,146% rise that reflects strong demand for its oilfield services, drilling tools, and digital solutions as global energy activity rebounded and technology adoption increased. The chart shows a long base period through 2023, followed by a sharp and sustained climb starting in 2024, with after-hours steady at $94.08. That 52-week high of $96.15 marks the recent ceiling and shows the stock is still near its strongest levels.

In simple terms, the compound annual growth rate (CAGR) is 65.28%. That's the average yearly gain—calculated by raising the total growth factor to the 1/5 power and subtracting 1. It means growing your money by about 65% each year, on average.

Dollar-cost averaging (DCA) keeps the ride manageable: Invest $500 every month for five years, totaling $30,000. This buys more shares on softer days and fewer on stronger ones, helping smooth out the natural ups and downs in the energy sector. Projecting forward at the same historical pace, with a monthly growth rate of about 4.26% from $94.08, your shares accumulate steadily.

Ray Dalio recently reported that much of the S&P 500’s 2025 gains came not from real growth, but from the dollar quietly losing value. Reportedly down 10% last year!

He’s not alone. Several BlackRock, Fidelity, and Bloomberg analysts say to expect further dollar decline in 2026.

So, even when your U.S. assets look “up,” your purchasing power may actually be down.

Which is why many investors are adding globally priced, scarce assets to their portfolios—like art.

Art is traded on a global stage, making it largely resistant to currency swings.

Now, Masterworks is opening access to invest in artworks featuring legends like Banksy, Basquiat, and Picasso as a low-correlation asset class with attractive appreciation historically (1995-2025).*

Masterworks’ 26 sales have yielded annualized net returns like 14.6%, 17.6%, and 17.8%.

They handle the sourcing, storage, and sale. You just click to invest.

Special offer for my subscribers:

Skip waitlist

_{*Based on Masterworks data. Investing involves risk. Past performance is not indicative of future returns. Important Reg A disclosures: masterworks.com/cd.}

After 60 months, your portfolio could reach $138,998. That's a gain of $108,998—a 363% return on your investment. The early contributions get the strongest compounding benefit, while later ones still ride the overall upward trend.

This projection follows historical performance, but the future is never certain—oilfield service stocks like WFRD can be volatile due to oil prices, drilling activity, geopolitical events, or shifts toward renewables. The current P/E ratio of 16.99 is attractive for a growth-oriented energy name, and the $6.75B market cap gives it reasonable scale without being overly large.

With the 52-week high of $96.15 still in sight and the company positioned to benefit from continued energy demand and technology improvements, consistent monthly investing could turn your $500 habit into a meaningful position by 2031. Keep the engine running?

There’s a familiar moment that tends to unsettle even experienced investors:
a company delivers strong earnings, raises guidance, executes exactly as promised — and the stock still drops.

That disconnect isn’t new. It’s also rarely about the business itself.

SoFi’s latest earnings cycle fits this pattern precisely. Across nearly every measurable operating metric — revenue, profitability, member growth, margin expansion — the company exceeded expectations. Guidance for both the near term and the medium term came in strong. Yet the stock slipped in the days that followed.

This is where perspective matters.

Short-term price movements often reflect macro pressure, positioning, or sentiment — not fundamentals. On the same day $SOFI ( ▼ 1.45% ) pulled back, fintech broadly traded lower. Large-cap tech softened. Growth names showed red across the board. The market wasn’t singling out execution failures. It was responding to inflation data, rate expectations, and uncertainty around monetary leadership.

For investors juggling careers, families, and limited screen time, this distinction is critical: price reaction is not business performance.

SoFi continues to execute — and the numbers confirm it.

Strip away the headlines, and the operating story is remarkably consistent.

SoFi added over one million new members in the quarter, extending a multi-year trend of scalable growth. Acquisition costs declined to roughly $33 per member, reinforcing the strength of the brand flywheel. This matters because lower acquisition costs paired with rising engagement expand margins over time.

Revenue surpassed $1 billion for the quarter, while adjusted EBITDA reached $317.5 million, delivering both scale and profitability — a combination fintech companies often struggle to achieve simultaneously.

The most important shift continues to happen beneath the surface:
fee-based revenue is taking a larger share of the mix.

Financial Services revenue grew nearly 80% year over year, far outpacing lending growth. This reflects a deliberate move toward an asset-light model — higher margin, lower balance-sheet risk, and more durable earnings power.

Within the ecosystem:

This isn’t growth driven by one product or one cycle. It’s platform depth — customers using multiple services, staying longer, and generating recurring revenue.

That kind of growth compounds quietly.

Guidance often matters more than headlines — especially for investors thinking beyond the next quarter.

For full-year 2026, SoFi expects:

That EPS figure sits within management’s previously stated $0.55–$0.80 range, and importantly, SoFi has a consistent history of beating and raising guidance as the year progresses.

Even more telling is the medium-term outlook:

These projections assume:

In other words, this guidance reflects baseline execution, not upside scenarios.

When extrapolated conservatively, this points toward multi-billion-dollar revenue potential and materially higher earnings power — well beyond what today’s valuation implies.

If the business story is intact, why the volatility?

Two forces dominated the narrative:

The Producer Price Index came in hotter than expected, raising concerns that rate cuts could be delayed. At the same time, reports around a potential future Federal Reserve chair introduced uncertainty around balance-sheet policy and liquidity conditions.

Markets dislike ambiguity — especially growth stocks that benefit from declining rates.

But here’s the nuance often missed:

SoFi operates with multiple growth levers that don’t depend solely on rate cuts. Fee-based services, cross-selling, and platform expansion continue regardless of near-term policy shifts. While lending benefits from accommodative conditions, the business is no longer dependent on them.

Volatility driven by macro uncertainty tends to be temporary. Execution compounds.

Historically, SoFi has revisited long-term moving averages during similar macro pullbacks — only to resume its upward trajectory once conditions stabilize. Technical pressure fades. Fundamentals remain.

For busy investors, the most dangerous habit isn’t buying the wrong stock — it’s reacting to noise instead of progress.

SoFi today looks like a company:

Short-term price weakness does not erase that progress.

Volatility is not a signal to act emotionally. It’s a reminder to reassess why the investment exists in the first place. Businesses that execute through cycles tend to reward patience — not immediacy.

The market will eventually reconcile price with performance. It always does.

Until then, the real edge isn’t speed. It’s clarity.

And clarity is what allows opportunity to show up quietly — while most are looking elsewhere.

Ready to Revolutionize Your Wealth?

Here's what's waiting for you:

With the world becoming increasingly digital, this question will be on the minds of millions of people looking for new income streams in 2025.

The answer is—Absolutely!

Thank you for taking the time to read today’s email! Your support is what allows me to send out this newsletter for free every day. 

 What do you think of the new format? Please provide your feedback in the poll below, and if you find the newsletter valuable, feel free to share it with other investors!

Disclaimer: This newsletter is for informational purposes only and should not be considered financial advice. Please consult with a financial advisor before making any investment decisions.