Adding to This Year's Top Stock Pick After Pre-Earnings Revisions

So far, not so good. 

Long-time readers know that in mid-December I made SoFi Technologies (SOFI) , which is a long-time "Stocks Under $10" name and long-time core holding of the Sarge-folio, my stock pick for 2026. 

Year to date, the stock is down 1.85%. The S&P 500 is up 2.1%. Before I get myself worried (not a chance), let's remember that it's still January and I've had a pretty good run over the past few years in making these picks.

I won't go over those names, but readers know the picks and how well they have turned out. Is this the year that I get my comeuppance? I take nothing for granted. While I am not above boasting when I am winning, I am above boasting about past victories when I am losing.

What to Expect?

SoFi Technologies is due to release the firm's fourth quarter financial results on Friday morning ahead of the opening bell. Wall Street sees an adjusted EPS (adjusted lower) of $0.11 on revenue of roughly $982.4 million. This would compare quite well to the year-ago comp of $0.05 for the same quarter on year-over-year sales growth of just about 33%.

Of the 16 sell-side analysts that I know of who cover this stock, all 16 have revised their numbers to the upside since the start of the period. Readers may recall that back in late October 2025, SOFI increased full fiscal year 2025 guidance for a number of metrics, so this should be the fruition of that outlook, and we'll be looking forward to some 2026 guidance.

What Does the Sarge See?​

Just a refresher: ​I warned readers back at the start of the month that this double-top pattern of reversal was staring us in the face and could pose a short-term obstacle. Hence the year- (month) to-date performance did not come out of left field. A funny thing happened when the stock hit the downside pivot.

SOFI did not break down. It found support at that line. The indicators are not great. Relative strength is slightly below neutral. The daily MACD has a bearish look to it. But, and this is a big but, the stock put up a fight at pivot despite being below its 21-day EMA and 50-day SMA. So, now that double top is obsolete. Poof! It's gone. What do we see now? Well for one, we're going to extend that pivot line. Let's do it in black so you can see it:

Ladies and gentleman, we have a four-month basing period of consolidation on our hands. What if support cracks? ​Then I add shares at the 200-day line. What is this? My first day on the job? Don't think so, cowboy. 

After this article goes public and before Friday, I will be adding to my long position. The new pivot is the 50-day SMA at $27. So, we fear not because fear is but for the wicked and the wicked shall tremble before us.

Target Price: $36 (reiteration)

Pivot: 50-day SMA

Add: Today, my fighting pals, today.

Panic: Not today, not tomorrow.

At the time of publication, Guilfoyle was long SOFI equity.