SOFI will be back after the election and hit 15$+ SOFI got a bright future. SoFi recovered most of its loses today from 12.5%- to 6% so its not all that bad.
SoFi is a screaming BUY right here. Best in class mgmt. proven track record. Aligned interests with shareholders. They WILL win! BUY with both hands!!!
Their 2026 EPS guidance is $0.80/share on the high end, but that is sandbagged. Given their growth trends in FS and the margins there, it will be there or higher. And growing topline 20-25% and bottomline 25-35% from there. So what's that worth? $15 (18.75 p/e)? $20 (25 p/e)?
If SOFI is able to deliver on their 2026 guidance and can grow Galileo significantly, it looks like a good stock. Which stock did you buy in the morning?
The market, as is usual and without fail, hates the earnings report and sold off double digits (high to low) on earnings day. I think the problem is people want this to be a technology play but the technology side is very disappointing.
US Bank, Wells Fargo, and others offer .01% APY on their savings accounts. SoFi offers 4.30%. How long will these old banks be able to keep their customer base ignorant with brand name and marketing? None of these old banks are technology driven, and they have so much technical and logistics debt that it will be very hard for them change, if they even have the desire to try. I will happily own my shares of SoFi for the next 20 years and watch the old banks bleed out and die as their ageing customer base is replaced with a customer base that doesn't care about driving to a local branch.
You listed bearish points for Sofi and treated them like it’s a good thing regarding the sign on bonuses and 4.3 APY. And also, all the larger banks have tech budgets that are larger than SoFi’s market cap. There’s much more to dig into when I start looking at their spend compared to what revenue and profits they pull in. All that to say; having no physical branches sounds good until you question where all their money is going. It’s almost as if they aren’t saving money, but rather are bleeding lots of it.
@@DennisFinancialDoctor Being able to offer members good benefits and still be profitable is not bearish. Somehow those large banks with tech budgets larger than SoFi's market cap have a worse tech stack. And where is their money going? How about into growing member rates 35% YoY? How about constantly adding new features and products? It's a growth company, you sound like you want them to be giving out dividends.
@ I don’t need dividends. I just go for 100% annualized returns every year. I hit it again this year. I think your comments about high growth come from inexperience. High growth is easy to achieve for banks. Just take on lower quality customers or take on more credit risk. Sofi has done both. And just as we’ve seen over the last several decades, high growth is a great predictor of bankruptcy in banks and insurance companies. So the growth that you see as a bullish point is what I see as a bearish point. Sofi is going downhill and we are watching it in real time. We’ve already seen severe underperformance in the stock price and there’s much more pain ahead.
WHO’S PICKING UP $15 JANUARY CALLS WITH ME?! 🤔🔥 SUPER CHEAP BELOW AROUND .26-.28 💸💰 I’M THINKING THESE ARE GONNA BE ABOUT A DOLLAR BY NEXT FRIDAY 🚀📈 LET’S GO!!! 🤑🚀🎯
They are also being precautious on giving loans. This is just a very controlled operation in a scetchy environment currently. JUST WAIT until the flood gates open🎉🎉🎉
if ur not in… u won’t catch the pop pltr - tsla… same deals sofi not the same - but it’ll have profitable quarters now… and get added to SnP. at 10-11 price…. it’ll be a nice rocket
@@HTx78It won’t be in the sp anytime soon. Maybe in a few years. There is plenty of companies with more revenues and profitable like Apollo global management that will be in first.
Depends on when you bought, doesn't it? It had been a great example of a company executing well while the stock lagged for quite some time. One of my favorite types of stock, so I nibbled constantly as the company executed while the stock lagged, and now it is one of my better positions in banking and fintech.
SOFI will be back after the election and hit 15$+ SOFI got a bright future.
SoFi recovered most of its loses today from 12.5%- to 6% so its not all that bad.
Yeah, I get paid tomorrow and missed it.😢
@@jamesphillips4979 Bought all my shares at 7$ so i am chilling.
i feel like the future is bright for SOFI (LOOOOONG)
I have fallen in love with this company. I have considered moving most of my banking to them.
SoFi is a beast 💪
Noto's a beast!
Great analysis, thank you!
SoFi is a screaming BUY right here. Best in class mgmt. proven track record. Aligned interests with shareholders. They WILL win! BUY with both hands!!!
Must be profit taking, stock will build a base here and continue upwards if all good with the inflation
Their 2026 EPS guidance is $0.80/share on the high end, but that is sandbagged. Given their growth trends in FS and the margins there, it will be there or higher. And growing topline 20-25% and bottomline 25-35% from there. So what's that worth? $15 (18.75 p/e)? $20 (25 p/e)?
If SOFI is able to deliver on their 2026 guidance and can grow Galileo significantly, it looks like a good stock.
Which stock did you buy in the morning?
Thanks for the video. What was the teaser stock that you bought that was currently 30x earnings 80%’growth?? 🤗
prolly DJT
what do you think of AFRM?
Sofi will probably never have an unprofitable quarter ever again.
Or probably they do
Any comment on free cash flow for Sofi?
The market, as is usual and without fail, hates the earnings report and sold off double digits (high to low) on earnings day. I think the problem is people want this to be a technology play but the technology side is very disappointing.
That is a very very good assessment
It doesn't hate the earnings report - it was priced in - it was up over 40% in the last month....
What do we know about the stock market, voting machines and weighing machines? Seems to be what's going on here.
US Bank, Wells Fargo, and others offer .01% APY on their savings accounts. SoFi offers 4.30%. How long will these old banks be able to keep their customer base ignorant with brand name and marketing? None of these old banks are technology driven, and they have so much technical and logistics debt that it will be very hard for them change, if they even have the desire to try. I will happily own my shares of SoFi for the next 20 years and watch the old banks bleed out and die as their ageing customer base is replaced with a customer base that doesn't care about driving to a local branch.
I switched to Sofi to try it out. Love it!!
@@ryaninSartell Same, I wish a company like SoFi would have been around when I got my first full time job.
You listed bearish points for Sofi and treated them like it’s a good thing regarding the sign on bonuses and 4.3 APY. And also, all the larger banks have tech budgets that are larger than SoFi’s market cap. There’s much more to dig into when I start looking at their spend compared to what revenue and profits they pull in. All that to say; having no physical branches sounds good until you question where all their money is going. It’s almost as if they aren’t saving money, but rather are bleeding lots of it.
@@DennisFinancialDoctor Being able to offer members good benefits and still be profitable is not bearish. Somehow those large banks with tech budgets larger than SoFi's market cap have a worse tech stack. And where is their money going? How about into growing member rates 35% YoY? How about constantly adding new features and products? It's a growth company, you sound like you want them to be giving out dividends.
@ I don’t need dividends. I just go for 100% annualized returns every year. I hit it again this year.
I think your comments about high growth come from inexperience. High growth is easy to achieve for banks. Just take on lower quality customers or take on more credit risk. Sofi has done both. And just as we’ve seen over the last several decades, high growth is a great predictor of bankruptcy in banks and insurance companies. So the growth that you see as a bullish point is what I see as a bearish point.
Sofi is going downhill and we are watching it in real time. We’ve already seen severe underperformance in the stock price and there’s much more pain ahead.
Daniel how do you compare sofi vs Robinhood? also Paul tudor jones did say "all roads lead to inflation" great video
it looks like both Sofi and Robinhood are taking market share from schwab on the brokerage side
Hit $13.00 on Nov 8
why is their short interest so high?
Probably their concentration in higher risk personal loans.
WHO’S PICKING UP $15 JANUARY CALLS WITH ME?! 🤔🔥 SUPER CHEAP BELOW AROUND .26-.28 💸💰 I’M THINKING THESE ARE GONNA BE ABOUT A DOLLAR BY NEXT FRIDAY 🚀📈 LET’S GO!!! 🤑🚀🎯
Nobody’s talking about so I loan or origination business, which is gonna bring them 300 million next year at SAAS margins
Can you make a follow up video about Crocs?
Hi
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They are also being precautious on giving loans. This is just a very controlled operation in a scetchy environment currently. JUST WAIT until the flood gates open🎉🎉🎉
Great company, terrible stock....so far
Every stock is terrible at some point. We call this a market inefficiency, something to be taken advantage of.
if ur not in… u won’t catch the pop
pltr - tsla… same deals
sofi not the same - but it’ll have profitable quarters now… and get added to SnP.
at 10-11 price…. it’ll be a nice rocket
@@HTx78It won’t be in the sp anytime soon. Maybe in a few years. There is plenty of companies with more revenues and profitable like Apollo global management that will be in first.
Depends on when you bought, doesn't it? It had been a great example of a company executing well while the stock lagged for quite some time. One of my favorite types of stock, so I nibbled constantly as the company executed while the stock lagged, and now it is one of my better positions in banking and fintech.
@@HTx78 I put as much as I could into this because I know it’s gonna be at 15 with the blink of an eye
High risk lending business with extreme valuation.
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