SoFi Technologies (SOFI), founded in 2011, has entered earnings season with investors clearly more cautious than enthusiastic. The stock has fallen below $30 and now trades roughly 40.34% under its 52-week high. The decline followed a predictable sequence. Management’s $1.5 billion capital raise reopened concerns around dilution just as early investors began locking in profits after a strong rally. With valuations already high, the market chose discipline and stepped back rather than pushing prices higher ...