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Ziprecruiter, 95% down and a breakout emerges - July 2026SYMBOL: NYSE:ZIP | DIRECTION: LONG | TIMEFRAME: Weekly
Published: July 2026
Right.
Ziprecruiter has spent four years getting absolutely battered. The stock has lost ninety-five percent of its value since the peak, spent the better part of a lustrum grinding into what looked like permanent resistance, and left most holders wondering whether to laugh or cry. That is extraordinary. In a bad way. Obviously.
And yet.
The volume picture is shifting. RSI has broken through a four year downtrend channel, price consolidates above both the 50 and 200 day simple moving averages, and the recent bars print bullish engulfing or hammer candles. The chart started it. I am simply reporting it.
On the above 8 day chart Ziprecruiter Inc has broken the upper boundary of a four year active resistance. 3 reasons now exist to expect a move upward:
They include:
1. Four-year trendline breach with volume support
Yeah, already mentioned.. don’t mean to beat a dead horse, but this is important. Really important. The stock has traded below a defined downtrend channel for approximately 1,460 days. A weekly close above 3.89 breaks that structure decisively. Volume has increased on the breakout bar, signalling genuine participation rather than a feint. How often does a small cap escape a four-year cage with conviction?
2. Stochastic and oscillator alignment across timeframes
The Stoch RSI (visible on the lower panel) has risen through the midline and is accelerating away from downtrend resistance.
3. Regular bullish divergence. Strong divergence. Very strong, 16 from 18 oscillators singing from the same hymn sheet. Is like a piece of paper with some words on, not important.
Targets, see chart!
The crowd
Most retail sentiment on Ziprecruiter sits in the graveyard. Four years of losses have trained everyone to assume the worst; the stock trades on indifference rather than conviction. Institutional holders left years ago. The tiny float means this could rip or crater with equal ease, which is precisely why consensus ignores it. Fear and Greed have both abandoned this name.
What happens when a name that nobody owns breaks its longest resistance level and volume confirms? I am just the one willing to write it down. Not a publication since 2024, but you watch this'll be the post you'll read many months later and wish action was taken.
Is it possible sellers continue to sell after -95% ?? Sure, they live for the wisdom emotion provides.
Is it probable? No.
Good luck.
Ww
Type: LONG | Timeframe: Weekly
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Disclaimer
This idea is for educational and informational purposes only. It is not financial advice. Equities involve significant risk. Always do your own research and consult a qualified financial adviser before making any investment decisions. Past performance is not indicative of future results. 
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Circle Secures Historic Federal Banking CharterIn a landmark development for the digital asset ecosystem, stablecoin giant Circle has officially secured regulatory approval to operate as a federally chartered bank, marking a monumental shift in how cryptocurrency-native institutions integrate with the traditional U.S. financial framework. This decisive regulatory green light elevates Circle—best known as the issuer of the world’s second-largest stablecoin, USDC—from the ambiguous terrain of state-based money transmitter licenses to the rigorously supervised echelons of federal oversight, effectively bridging the longstanding chasm between decentralized finance and conventional banking infrastructure. The approval not only validates Circle's commitment to compliance, transparency, and reserve integrity but also sets a powerful precedent for other digital asset firms seeking similar legitimacy, potentially reshaping the entire regulatory playbook for the industry.
Against this backdrop of sweeping institutional progress, renowned crypto analyst, trader, and host of The Wolf of All Streets podcast, Scott Melker, has taken a deep investigative dive into the multifaceted implications of Circle’s newfound status, weaving it into a broader narrative that captures the crypto sector’s current crossroads. Melker’s comprehensive breakdown extends far beyond Circle’s milestone, casting a keen analytical eye on New Hampshire’s audacious initiative to issue a $100 million bitcoin-denominated bond—a pioneering state-level experiment that could pave the way for municipal digital asset adoption, offering a novel hedge against inflation while testing the operational viability of blockchain-based public finance. The bond proposal, which has sparked intense debate among fiscal conservatives and crypto proponents alike, represents a bold attempt to integrate bitcoin into sovereign debt instruments, and Melker meticulously examines its potential to either catalyze a wave of similar state-led projects or falter under regulatory and market volatility pressures.
Simultaneously, Melker turns his attention to the precarious legislative fate of the CLARITY Act, a critical piece of proposed federal legislation designed to establish clearer jurisdictional boundaries and enforcement guidelines for digital assets. Currently languishing in the procedural quagmire of congressional deliberation, the stalled act underscores the persistent political inertia that continues to cloud the U.S. crypto landscape, leaving investors, developers, and exchanges in a state of regulatory limbo while competing jurisdictions—notably the European Union and parts of Asia—forge ahead with comprehensive frameworks. The prolonged deadlock over the CLARITY Act not only threatens to stifle domestic innovation but also risks ceding America's competitive edge in blockchain technology, a concern that Melker articulates with characteristic urgency and insight.
Beyond these headline-grabbing narratives, Melker's exhaustive analysis traverses the full spectrum of the week's most consequential crypto developments, ranging from shifting institutional capital flows and emerging layer-2 scalability solutions to the ongoing oscillations in bitcoin's market dominance and the evolving sentiment around decentralized exchanges. By synthesizing these disparate threads into a cohesive, forward-looking assessment, Melker provides his audience with a nuanced roadmap of an industry perched on the precipice of maturity—simultaneously celebrating regulatory breakthroughs like Circle's banking approval while sounding cautionary notes about legislative stagnation and the inherent risks of state-backed crypto experiments. Ultimately, his deep-dive serves as an essential digest for anyone seeking to navigate the volatile, rapidly transforming intersection of traditional finance, federal policy, and the unstoppable rise of digital currencies. 
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Nu Holdings Secures Pivotal Mexican Banking LicenseNu Holdings, the Brazilian-born digital banking powerhouse, has achieved a transformative regulatory victory by securing formal authorization to operate as a fully licensed bank in Mexico. This landmark approval represents a quantum leap for the company's digital-first financial model, empowering it to move beyond restricted fintech offerings and deliver a comprehensive suite of traditional and innovative banking services—ranging from savings accounts and credit products to potential insurance and investment vehicles—directly to Mexican consumers. Yet, even as this strategic expansion signals a deepening commitment to one of Latin America's most promising markets, Nu finds itself navigating a complex tapestry of market signals; recent stock performance has encountered headwinds, even as Wall Street analysts project a staggering 42.86% year-over-year surge in quarterly earnings per share, underscoring a pronounced disconnect between transient investor sentiment and the underlying conviction in the company's sustained profitability trajectory.
Market Performance Amidst Broader Volatility and Compounding Resilience
In the most recent trading sessions, Nu Holdings experienced a noticeable pullback of 3.2%, a decline that notably underperformed the broader S&P 500 index, which registered a comparatively modest dip of just 0.45% during the same period. This short-term underperformance may reflect profit-taking activities, macroeconomic jitters surrounding emerging-market exposures, or investor caution ahead of the company's upcoming earnings release. However, contextualizing this recent dip against a wider timeline reveals a far more resilient narrative; over the past month, Nu's stock has rallied by an impressive 21.21%, signaling robust underlying momentum and sustained appetite among growth-oriented investors. This dual-faced performance profile—characterized by temporary pullbacks juxtaposed against powerful multi-week gains—illustrates the inherent volatility often associated with high-growth fintech names, while simultaneously affirming that the broader market continues to price in Nu's exceptional expansion story, particularly as it aggressively scales its operational footprint across the region.
Unstoppable Customer Acquisition Engine and the Power of Viral Referrals
Beyond the oscillating stock charts, Nu Holdings continues to fire on all cylinders operationally, boasting a staggering clientele of over 100 million customers across its three core markets of Brazil, Mexico, and Colombia. This remarkable scale places Nubank among the largest digital financial institutions globally, a testament to its deep cultural resonance and user-centric value proposition in underserved banking populations. The primary catalyst propelling this breakneck expansion is an exceptionally effective, algorithmically optimized referral program, which has transformed each satisfied user into a brand ambassador, driving organic, low-cost customer acquisition at a velocity that traditional brick-and-mortar banks can scarcely replicate. By leveraging social proof and tangible incentives, Nubank has not only democratized access to financial services but also cultivated an intensely loyal user base that consistently adopts multiple products, thereby increasing average revenue per user and reinforcing the network effects that form the bedrock of its competitive moat.
Valuation Premium, Industry Benchmarks, and the Road Ahead
Turning to the financial metrics that underpin investor calculus, Nu Holdings currently trades at a forward price-to-earnings (P/E) ratio of approximately 16.86. This figure commands a substantial premium relative to the industry peer average of 11.88, reflecting the market's willingness to assign a higher multiple in exchange for Nu's superior growth trajectory, technological agility, and vast untapped total addressable market across Latin America. While this premium valuation signals elevated expectations baked into the current share price, it simultaneously introduces an element of execution risk; the company must convincingly deliver on its aggressive earnings forecasts—particularly the projected 42.86% EPS uplift—to justify this relative expensiveness. Furthermore, as Nu channels significant capital and management attention into its newly minted Mexican banking operations, it must adeptly balance investments in regulatory compliance, local talent, and product localization against the imperative of margin preservation. In an increasingly crowded fintech arena, where incumbent banks are digitizing rapidly and rival neobanks are raising fresh capital, Nu's ability to maintain its innovation velocity, protect its net interest margins, and convert its vast user base into consistently profitable cohorts will be the defining test of whether its current valuation represents a prudent bet on future dominance or an overextension of investor optimism. 
Long
Nvidia Faces Shifting Market Dynamics as SK Hynix’s Landmark IPONvidia, the undisputed leader in artificial intelligence accelerators, is currently operating within a rapidly evolving market environment, significantly influenced by the high-profile initial public offering of SK Hynix—a critical partner and primary supplier of high-bandwidth memory (HBM) chips essential for Nvidia’s cutting-edge AI processors. Against this backdrop, the broader U.S. equity markets posted modest but meaningful gains, reflecting sustained investor enthusiasm for technology and AI-centric sectors, even as macroeconomic uncertainties linger. This confluence of events presents both strategic opportunities and fresh competitive considerations for Nvidia as it seeks to maintain its dominance in the fiercely contested semiconductor arena.
Strategic Implications of SK Hynix’s IPO on Nvidia’s Supply Chain and Competitive Standing
SK Hynix’s recent debut on the public markets carries profound ramifications for Nvidia, given that the South Korean chipmaker holds a pivotal role in the AI hardware ecosystem. As the primary supplier of the advanced memory chips that underpin Nvidia’s flagship GPU architectures—including the highly sought-after H100 and forthcoming Blackwell series—SK Hynix’s financial and operational health directly impacts Nvidia’s production capacity and time-to-market. The IPO not only injects fresh capital into SK Hynix, enabling it to accelerate R&D and expand manufacturing output, but it also heightens the competitive tension between memory chip rivals such as Samsung and Micron. For Nvidia, this translates into a double-edged sword: on one hand, a well-capitalized SK Hynix can ramp up supply to meet Nvidia’s insatiable demand, alleviating bottlenecks that have constrained AI server deployments. On the other hand, SK Hynix’s newfound financial firepower could embolden it to diversify its customer base, potentially supplying competing AI chip designers like AMD or even in-house hyperscaler solutions from Google, Amazon, and Microsoft. This dynamic forces Nvidia to not only secure long-term supply agreements but also to invest in alternative memory sources and co-development initiatives to reduce reliance on any single vendor, thereby safeguarding its operational resilience amid shifting alliance structures.
Broader Market Trends and the Resilient Appeal of AI-Driven Technology Stocks
Simultaneously, the U.S. stock market's modest upward trajectory—epitomized by the Nasdaq Composite’s 0.3% gain—signals a persistently favorable climate for technology equities, with AI remaining the primary catalyst driving investor sentiment. This incremental advance, while not spectacular, underscores a measured optimism that Wall Street continues to place on the transformative potential of generative AI, autonomous systems, and data-center infrastructure, all of which underpin Nvidia’s core value proposition. The positive market movement also reflects a broader rotation into growth-oriented names, as easing inflation data and tempered interest-rate expectations encourage risk-taking among institutional and retail participants alike. For Nvidia, this buoyant environment provides a supportive backdrop for its own stock valuation, as the company consistently delivers earnings beats and raises forward guidance, reinforcing its status as a bellwether for the AI revolution. However, the rising tide does not lift all boats equally; intensifying competition from custom silicon projects, export controls, and geopolitical tensions—particularly regarding semiconductor sales to China—remain persistent headwinds that could temper future upside. Nevertheless, the overall market mood suggests that investors are willing to look past near-term volatility in favor of long-term secular growth stories, positioning Nvidia as a prime beneficiary of this sustained appetite for AI innovation.
Navigating a Complex Web of Opportunities and Risks
Looking ahead, Nvidia’s strategic calculus must account for the intricate interplay between supplier dynamics, competitive pressures, and macroeconomic currents. The SK Hynix IPO serves as a reminder that even dominant players like Nvidia are part of a deeply interconnected global supply chain, where the fortunes of partner companies can rapidly alter the competitive landscape. To mitigate these risks, Nvidia is likely to deepen its collaborative engineering efforts with memory manufacturers, co-optimizing chip designs to extract maximum performance from next-generation HBM4 modules, while also exploring in-house memory solutions or strategic equity stakes to align incentives more closely. At the same time, the positive market sentiment offers Nvidia a window to capitalize on its first-mover advantage, aggressively scaling production and expanding its software ecosystem—via CUDA, AI enterprise suites, and cloud partnerships—to lock in developer loyalty and create insurmountable switching costs for customers. As the AI arms race accelerates, Nvidia’s ability to adeptly balance supply-chain security, technological leadership, and market responsiveness will ultimately determine whether it can sustain its remarkable growth trajectory or cede ground to upstart challengers. In essence, the current convergence of events—from SK Hynix’s public offering to resilient equity indices—paints a portrait of an industry at an inflection point, with Nvidia standing firmly at the epicenter, poised to either capitalize on the momentum or be reshaped by the very forces it helped to unleash.
Long
SoFi Technologies Doubles Down on InnovationSoFi Technologies is making strategic moves to broaden its financial ecosystem with the official rollout of the SoFi Social 50 Income ETF. This diversification initiative comes on the heels of a robust first-quarter performance, during which the company reported an impressive $1.1 billion in top-line revenue, fueled primarily by a notable surge in loan origination volumes. However, despite these bullish financial indicators, the digital banking pioneer is not without its hurdles; escalating net charge-offs and an increasingly saturated fintech landscape present significant operational and strategic challenges that the company must navigate carefully to sustain its upward trajectory.
Innovative Product Offerings and Technological Advancements
To fortify its value proposition and stay ahead of the curve, SoFi has introduced a suite of cutting-edge offerings, including the newly minted Social 50 Income ETF, alongside advanced artificial intelligence-driven platforms such as Coach and Composer. These technological and financial innovations are not merely gimmicks; they represent a calculated strategy aimed at deepening user engagement by providing sophisticated, data-driven investment and financial planning solutions. By expanding its repertoire beyond traditional banking and lending services, SoFi is actively working to reduce its dependency on interest-rate-sensitive revenue streams, thereby building a more resilient and diversified financial model that can withstand varying economic cycles. The integration of AI into its user interface is particularly noteworthy, as it empowers members to make more informed decisions while simultaneously lowering the operational costs associated with personalized financial advisory services.
Accelerating Membership and Product Adoption
The company's expanding appeal is underscored by its remarkable membership trajectory. SoFi recently disclosed that its total member base has swelled to an impressive 14.7 million, translating to a substantial 35% year-over-year increase. This rapid acquisition of new clients highlights the brand's growing resonance with younger, digitally-native demographics who prioritize seamless mobile experiences. Simultaneously, the total number of products utilized across its platform has escalated to 22.2 million, indicating that existing members are increasingly adopting multiple financial services—spanning banking, investing, and lending—within the SoFi ecosystem. This cross-selling success is a critical metric, as it signifies heightened customer loyalty and a sticky ecosystem that effectively captures a larger share of each user's financial life, ultimately boosting the lifetime value of every individual member.
Navigating Competitive Pressures and Operational Challenges
While the road ahead is fraught with obstacles—most notably the upward trend in credit losses and the persistent pressure from both traditional banking giants and nimble neobanks—SoFi remains steadfast in its ambitious vision. The company's leadership is banking on its culture of rapid innovation and its agile technological infrastructure to effectively counteract these headwinds. Rising charge-offs, in particular, suggest that the macroeconomic environment is taking a toll on consumer balance sheets, yet SoFi's emphasis on high-quality underwriting and real-time risk management aims to mitigate these exposures. By leveraging its robust AI capabilities and the unique thematic appeal of its new income-focused ETF, SoFi aims to differentiate itself in a crowded marketplace, carving out a distinct niche that attracts both younger, tech-savvy investors and seasoned market participants looking for alternative yield strategies.
Ultimately, SoFi's latest initiatives signal a maturation of the company from a simple student loan refinancer into a comprehensive, one-stop-shop digital financial institution. As it balances the dual priorities of aggressive expansion and prudent risk management, the firm appears poised to weather short-term credit fluctuations while capitalizing on long-term digital adoption trends, reinforcing its status as a formidable contender in the evolving world of consumer finance. 
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WDC: 594-600 Is the Decision Zone Bulls Need to ReclaimThe area between 594 and 600 is, in my opinion, the most important level on the chart right now.
If you look at the arrows I've marked, you'll notice that price has repeatedly reacted in this exact region. Every rejection, bounce, and hesitation tells the same story: buyers and sellers are locked in a battle for control. This isn't just another resistance level—it's a true market inflection point, where whichever side gains control could dictate the next meaningful move.
At the moment, WDC is once again testing this zone, making it the level I'm watching more closely than any other.
Bullish Scenario
What I'd like to see is a clean reclaim of the 594-600 range, followed by a textbook break-and-retest. If buyers can push above this area, hold it as new support, and begin printing higher highs and higher lows, that would signal a shift in momentum and increase the probability of continuation.
Should that confirmation occur, my next upside objective is the 638-642 supply zone, where I'd expect sellers to become active again.
Why This Level Matters
Markets often reveal their intentions at areas where price has repeatedly changed character. The repeated reactions around 594-600 show that both buyers and sellers recognize this as a key value area. The more times price tests a level without decisively breaking away, the more significant that level becomes.
Rather than predicting the breakout, I'm waiting for the market to prove it.
For now, 594-600 remains the line in the sand. A successful reclaim and retest would shift the odds in favor of the bulls and set the stage for a potential move into 638-642. Until then, this remains the key battleground where patience is more valuable than anticipation. If we get the clear break and retest above our key levels I will personally go long. No Break and Retest No Entry!
Key Levels
Major Inflection Zone: 594-600
Bullish Confirmation: Break → Retest → Hold
Upside Target: 638-642 Supply Zone
This is my personal technical analysis and not financial advice. Always manage your risk and trade your own plan.
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