🏦 SoFi just dropped a blockbuster earnings report, blowing past expectations with record revenue, and the market is cheering its ambition to be a 'financial supermarket' complete with crypto trading and AI tools. But is this a rocket ship or a high-priced mirage? On this episode of D-Risk, we dive into the central conflict: the stock is soaring high above its fundamental fair value of $13.54, and while options traders are wildly bullish on a move to $35, a massive contingent of bears is dug in, betting heavily against the hype. We dissect the company's technically perfect breakout, the shaky consumer confidence backdrop, and the glaring valuation gap to determine the short-term direction. Tune in for our Cautiously Bullish verdict and the crucial price levels ($35 up or $29 down) that will decide who wins this classic Wall Street standoff.