Which is Better? Comparing SOFI, NU, and SQ Stocks in 2024
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- เผยแพร่เมื่อ 28 ก.พ. 2024
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SOFI❤
Loved this comparison btw. Maybe we can revisit in a few quarters
Great video. Thanks for the detailed analysis
i got Nu and Sofi and im happy with that :)
loye your work tannor ! You've got a new member.
Great content Tannor! Really appreciate the effort to bring us the plain numbers. That gives great insights.
I wonder what you think about StoneCo. I feel there is also some good profits for stockholders to be seen
Sofi has the advantage of being in the US but I still don't like their inability to lend into a customer base with 750 credit score. Nubank is lending to people with no credit score! Yes, both have relatively high delinquency rates for banks but Nubank is lending to a much tougher customer base. Also high cost of funds for Sofi is going to make it difficult for them to mature into auto loans, which is a normal revenue channel for most banks. Own both but have more NU because I like their philosophy and great growth and expense stats.
Hey Tannor do you share your portfolio and allocations anywhere?
Great video Tannor! The least risky of those imho is NU. The biggest upside is probably with SOFI but with more risk. I would only consider SQ if wanted to diverisify, otherwise NU and SOFI are more compelling to me. Another comment is: it is more appropriate I think to compare SQ with STNE and DLO, while comparing SOFI and NU with PAGS (someone below talked about PAGS too). Great video as always man!!!!
Another comment with regard to SQ: personally I am not too impressed with Dorsey, never was. I don't feel to easy with him and even for that reason alone I wouldn't hold a meaningful position with SQ. But ... obviously it's just me, I know there are many who love him. I'm not too impressed with him, especially compared with Noto or David Velez
My money is in NU. Considering SOFI just because it has a Creators Agency type following on TH-cam. I think Noto and cohorts are paying creators. NU obviously isn't. If you think about how Creators Agency went down with crypto it would make sense they are not the only folks paying for targeted content. This is not a good thing, but stocks become fashionable despite their books, it is just how it is. There is money to be made on targeted hype. You are doing great work. Very detailed analysis.
Enjoy my Sofi
Any new thoughts on stone co
Lending is part of banking. You cannot have a successful bank without the ability to lend. That's the way you offset cost of funds. They attract deposits by paying out 4+%. That works if you can use the funds to earn higher earnings. Typically Megabanks pay nothing on deposits and earn 20%+ on credit card, 10% on consumer loans, prime+2% on commercial loans and mainly fees on real estate loans. So they earn big spreads on loans vs deposits. SOFI can't spend millions on stadium naming fees, NBA affiliation and other high marketing expenses just to attract 4% cost of funds. They have to earn something from these deposits. Their high delinquencies on credit cards and personal loans is not a good sign.
$PAGS deserves a hard look . Great numbers today . Like your style dude . !!
I agree. Even more so STNE and DLO.
Is the increase is CAC for SoFi worrisome? Isn’t that one of Gary Gordon’s biggest reasons for being a bear?
I would buy NU or SQ, but I already have Sofi and PYPL
What's the most common winning investment strategy for a new beginner?
Not spamming TH-cam channels. Start there.
Appreciate your work BUT would also REALLY appreciate your "take" on the info provided ...which excites you..etc etc etc
Sofi !!!
Let's talk about performance. Why is sofi lagging behind NU?
PayPal there leadership team is top notch.
BLOCK is spending the most on lobbying and 17 billion ARR and almost inclusion into SnP 500 2025.
Sofi?..below the 50MA.and 20 short interest it's the worst of the 3 by far..... but cheapest and cheap is always cheap for a reason
NU
22% insider ownership is a little conerning
😎
I think they're all great. I dont know why you wouldn't want to spread the risk.
I own all 3
@@futurenvesting very grateful for your series. I didn't go to school for finance...but, the older I get the more interested in it I become. Keep up the strong work.
Great work. However, the PS for Block is 2.2 as of March 2.
MC: 48,670,531 ÷
Revenue: 21,915,623
= 2.22
Read the disclaimer my friend. My P/S more accurately represents the real sales of the company excluding Bitcoin purchases
They are the same companys pretty much
6:55 I hold $NU & $SQ, I have always disliked SOFI, and this chart really justifies that. SOFI is a stinker! Maybe you forgot Adyen?
This is wall street baby, where your favorite stocks fail! Nubank, marathon, palantir. 2024
Sofi also has way too many sponsors (institutional investors) which may easily manipulate sofi price. Yall noobs need to step up your game.
Leading companies dont correct as much as sofi.
I get it, sofi is everyones favorite, but yall mfs cant all be right !
Nu bank will out perform sofi.
What's the most common winning investment strategy for a new beginner?
Not spamming TH-cam channels. Start there.
low cost global index funds