Subject
SoFi > around $19
Quote from Video
Well, SoFi currently trades at around $19 and is down about 28% year to date.
“Well, SoFi currently trades at around $19 and is down about 28% year to date.”
2m22s• 14,990 views
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SOFI
Detailed view for this entity.
Ticker
WikidataClaims made by or about SOFI
Sorted into three lenses: who is speaking, what is being said about them, and where they are aligned or in conflict.
Total: 121
Claims about this entity's actions, status, or capabilities.
Subject
SoFi > 52%
Quote from Video
And if I zoom out to the 52-week period, the stock is still up around 52%.
“And if I zoom out to the 52-week period, the stock is still up around 52%.”
2m31s• 14,990 views
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SoFi > expanded partnership with Mastercard
Quote from Video
Now on March 3rd, SoFi announced an expanded partnership with Mastercard to enable settlement of transactions in SoFi USD across Mastercard's global payments network.
“Now on March 3rd, SoFi announced an expanded partnership with Mastercard to enable settlement of transactions in SoFi USD across Mastercard's global payments network.”
4m3s• 14,990 views
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SoFi USD > fully reserved US dollar stable coin
Quote from Video
SoF USD is the company's fully reserved US dollar stable coin issued by SoFi Bank and backed one to one in cash.
“SoF USD is the company's fully reserved US dollar stable coin issued by SoFi Bank and backed one to one in cash.”
4m14s• 14,990 views
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SoFi > itself to settle debit and credit transactions
Quote from Video
SoFi also expects its own debit and credit transactions on Mastercard to also eventually settle using SoFi USD.
“SoFi also expects its own debit and credit transactions on Mastercard to also eventually settle using SoFi USD.”
4m44s• 14,990 views
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SoFi > record net revenue
Quote from Video
SoFi also reported record net revenue on an adjusted basis of a billion dollars in the fourth quarter of 2025.
“SoFi also reported record net revenue on an adjusted basis of a billion dollars in the fourth quarter of 2025.”
6m8s• 14,990 views
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SoFi > 318 million in adjusted EBITDA
Quote from Video
It also reported 318 million in adjusted EBITDA.
“It also reported 318 million in adjusted EBITDA.”
6m20s• 14,990 views
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SoFi > record loan originations
Quote from Video
The company also reported record loan originations of $10.5 billion in the quarter.
“The company also reported record loan originations of $10.5 billion in the quarter.”
7m5s• 14,990 views
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SoFi > new members
Quote from Video
SoFi added another million new members and 1.6 million new products during the quarter, all supporting continued cross-selling across its platform.
“SoFi added another million new members and 1.6 million new products during the quarter, all supporting continued cross-selling across its platform.”
6m53s• 14,990 views
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SoFi's market cap > around
Quote from Video
At $19 a share, SoFi's market cap is around 24 billion.
“At $19 a share, SoFi's market cap is around 24 billion.”
7m45s• 14,990 views
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SoFi > at around
Quote from Video
The stock currently trades at around 51 times trailing earnings and around 31 times forward earnings.
“The stock currently trades at around 51 times trailing earnings and around 31 times forward earnings.”
7m50s• 14,990 views
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SoFi > strong operational growth
Quote from Video
I see several reasons why the stock could still be attractive or at least considering at this price. I mean, first, the company is still showing strong operational growth, right?
“I see several reasons why the stock could still be attractive or at least considering at this price. I mean, first, the company is still showing strong operational growth, right?”
10m4s• 14,990 views
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SoFi > record adjusted net revenue
Quote from Video
In the fourth quarter of 2025, SoFi reported record adjusted net revenue of a billion dollars and 174 million in net income on a gap basis.
“In the fourth quarter of 2025, SoFi reported record adjusted net revenue of a billion dollars and 174 million in net income on a gap basis.”
10m19s• 14,990 views
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SoFi > income streams beyond lending
Quote from Video
And that tells me the company is building income streams beyond lending.
“And that tells me the company is building income streams beyond lending.”
10m46s• 14,990 views
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SoFi > new users or members
Quote from Video
So added a million new users or members and 1.6 million new products in the quarter, which helps drive cross-selling across its entire ecosystem.
“So added a million new users or members and 1.6 million new products in the quarter, which helps drive cross-selling across its entire ecosystem.”
10m54s• 14,990 views
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SoFi stock > buy
Quote from Video
If you recall, I had the stock rated as a buy in 2025, but I only downgraded it to a hold after it approached $30 per share.
“If you recall, I had the stock rated as a buy in 2025, but I only downgraded it to a hold after it approached $30 per share.”
3m51s• 44,959 views
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SoFi stock > stock price
Quote from Video
I think SoFi stock price ends 2027 between $30 and $35 per share, which at the midpoint compared to the current market price leaves today's investors with a 71% upside, which is solid.
“I think SoFi stock price ends 2027 between $30 and $35 per share, which at the midpoint compared to the current market price leaves today's investors with a 71% upside, which is solid.”
7m26s• 44,959 views
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SoFi > one of the biggest downside catalysts
Quote from Video
And for SoFi, one of the biggest downside catalyst is the third party personal loan business.
“And for SoFi, one of the biggest downside catalyst is the third party personal loan business.”
12m35s• 44,959 views
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SoFi > third-party lenders
Quote from Video
SoFi is largely dependent for these individuals, for these third parties to purchase a lot of the loans that SoFi is generating.
“SoFi is largely dependent for these individuals, for these third parties to purchase a lot of the loans that SoFi is generating.”
15m2s• 44,959 views
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SoFi > economic risk
Quote from Video
However, that doesn't mean that SoFi is not exposed to that risk because right now those individuals might have a high credit score and might have a high income, but we haven't had a recession, a real recession, a proper recession since the great financial crisis.
“However, that doesn't mean that SoFi is not exposed to that risk because right now those individuals might have a high credit score and might have a high income, but we haven't had a recession, a real recession, a proper recession since the great financial crisis.”
17m33s• 44,959 views
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SoFi stock > compared to other companies
Quote from Video
SoFi stock at risk, higher risk than perhaps most other companies in the event of a recession.
“SoFi stock at risk, higher risk than perhaps most other companies in the event of a recession.”
18m41s• 44,959 views
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SoFi > its tech business
Quote from Video
But if that should reverse and its tech business collapses and SoFi becomes more like a traditional bank.
“But if that should reverse and its tech business collapses and SoFi becomes more like a traditional bank.”
19m18s• 44,959 views
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SoFi > short report
Quote from Video
SoFi just got hit with a short report and this one goes straight at the numbers investors were trusting most.
“SoFi just got hit with a short report and this one goes straight at the numbers investors were trusting most.”
1s• 12,936 views
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SoFi > misleading
Quote from Video
SoFi, for its part, they pushed back hard. It called the report misleading and said it may take legal action.
“SoFi, for its part, they pushed back hard. It called the report misleading and said it may take legal action.”
2m43s• 12,936 views
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SoFi > stock value
Quote from Video
Now let's have a look at the stock and see what happened since the March 17 report. The stock is down about 5%.
“Now let's have a look at the stock and see what happened since the March 17 report. The stock is down about 5%.”
2m58s• 12,936 views
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SoFi stock > hold
Quote from Video
Well, a consensus among analysts rate the stock a hold. A high target price of $38 suggests there's as much as 124% potential upside from its most recent closing price.
“Well, a consensus among analysts rate the stock a hold. A high target price of $38 suggests there's as much as 124% potential upside from its most recent closing price.”
12m30s• 12,936 views
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SoFi > quality of company's reported numbers
Quote from Video
The concerns raised in the short report are detailed. They are serious and they go directly to the quality of the company's reported numbers.
“The concerns raised in the short report are detailed. They are serious and they go directly to the quality of the company's reported numbers.”
12m51s• 12,936 views
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SoFi > crypto trading
Quote from Video
SoFi launching crypto trading on its platform. Joining us right now, first on CNBC is SoFi CEO Anthony Notto in town. It's nice to see you, sir, in person.
“SoFi launching crypto trading on its platform. Joining us right now, first on CNBC is SoFi CEO Anthony Notto in town. It's nice to see you, sir, in person.”
2s• 124,709 views
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SoFi > crypto investments
Quote from Video
one of the unique things about that is when you come to SoFi and fund your crypto investments, you'll fund them in a SoFi checking and savings account.
“one of the unique things about that is when you come to SoFi and fund your crypto investments, you'll fund them in a SoFi checking and savings account.”
1m33s• 124,709 views
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SoFi > its first billion dollar revenue quarter
Quote from Video
2025 was the year the skeptics went quiet. So just delivered its first billion dollar revenue quarter.
“2025 was the year the skeptics went quiet. So just delivered its first billion dollar revenue quarter.”
28s• 23,501 views
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SoFi > 3.6 billion in adjusted net revenue
Quote from Video
They cleared 3.6 billion in adjusted net revenue for the full year of 2025, up 38% year-over-year.
“They cleared 3.6 billion in adjusted net revenue for the full year of 2025, up 38% year-over-year.”
36s• 23,501 views
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SoFi > profits to skyrocket another 70% to 80%
Quote from Video
Notto and his team are projecting profits to skyrocket another 70% to 80% in 2026.
“Notto and his team are projecting profits to skyrocket another 70% to 80% in 2026.”
54s• 23,501 views
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SoFi > a financial powerhouse
Quote from Video
They're not just a lender anymore. They are high margin tech-driven financial powerhouse that is effectively out earning the too big to fail banks on a per customer basis.
“They're not just a lender anymore. They are high margin tech-driven financial powerhouse that is effectively out earning the too big to fail banks on a per customer basis.”
3m50s• 23,501 views
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SoFi > revenue growth
Quote from Video
Management isn't just hoping for growth. They're guiding for compounded annual revenue growth of at least 30% through 2028.
“Management isn't just hoping for growth. They're guiding for compounded annual revenue growth of at least 30% through 2028.”
3m28s• 23,501 views
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SoFi > first billion dollar revenue quarter
Quote from Video
We have a company that just did its first billion dollar revenue quarter.
“We have a company that just did its first billion dollar revenue quarter.”
7m28s• 23,501 views
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SoFi > structural floor
Quote from Video
The structural floor for SoFi is between 19 and 23. This is where a lot of institutions were buying heavily and DCAing.
“The structural floor for SoFi is between 19 and 23. This is where a lot of institutions were buying heavily and DCAing.”
10m2s• 23,501 views
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SoFi > 18 dollars
Quote from Video
Today might be the day you will maybe catch SoFi for the last time under $18 or it might be tomorrow. So, at the time of recording, is still under $18 a share, believe it or not.
“Today might be the day you will maybe catch SoFi for the last time under $18 or it might be tomorrow. So, at the time of recording, is still under $18 a share, believe it or not.”
5s• 22,061 views
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SoFi > 34.6%
Quote from Video
the stock is down 34.6% year to date. That's quite something especially for a company that continues to outperform as a business.
“the stock is down 34.6% year to date. That's quite something especially for a company that continues to outperform as a business.”
1m35s• 22,061 views
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SoFi > for its growth rate
Quote from Video
I do think that yes right now SoFi does deserve a premium from the market because it is just growing much much faster than traditional banks.
“I do think that yes right now SoFi does deserve a premium from the market because it is just growing much much faster than traditional banks.”
2m13s• 22,061 views
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SoFi > a company
Quote from Video
Now, why doesn't SoFi belong to this list? Well, first of all, it's not a private credit fund. Second of all, securization are performing well as they've been telling us time and time again.
“Now, why doesn't SoFi belong to this list? Well, first of all, it's not a private credit fund. Second of all, securization are performing well as they've been telling us time and time again.”
9m4s• 22,061 views
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SoFi > extremely well
Quote from Video
But we know that SoFi has been executing extremely well over the past couple of years despite major major headwinds.
“But we know that SoFi has been executing extremely well over the past couple of years despite major major headwinds.”
9m34s• 22,061 views
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SoFi > revenue growth
Quote from Video
The revenue ker from 2025 to 2028, which as Chris said does not include 2025, is expected to be 30% or more. EPS 35 42%.
“The revenue ker from 2025 to 2028, which as Chris said does not include 2025, is expected to be 30% or more. EPS 35 42%.”
10m13s• 22,061 views
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SoFi > member growth
Quote from Video
member growth of 30% or more. So, to me, this just does not make any sense.
“member growth of 30% or more. So, to me, this just does not make any sense.”
10m23s• 22,061 views
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SoFi > successful
Quote from Video
unless really really the economy deteriorates substantially and they get caught off guard I just don't see how Sofi is not going to be extremely successful from here on out.
“unless really really the economy deteriorates substantially and they get caught off guard I just don't see how Sofi is not going to be extremely successful from here on out.”
12m15s• 22,061 views
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SoFi > company
Quote from Video
imagine we're only getting semianual reports from Nvidia or Google or Amazon or Nebus or SoFi...
“imagine we're only getting semianual reports from Nvidia or Google or Amazon or Nebus or SoFi...”
20m6s• 22,061 views
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SoFi > he is a buyer
Quote from Video
the CEO said, 'Yeah, as if as if, you know, legal action wasn't enough. I'm a buyer. Thank you for causing the stock price to dip. I'm going to buy another $500,000 worth of SoFi stock.'
“the CEO said, 'Yeah, as if as if, you know, legal action wasn't enough. I'm a buyer. Thank you for causing the stock price to dip. I'm going to buy another $500,000 worth of SoFi stock.'”
41s• 13,724 views
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SoFi > Muddy Waters
Quote from Video
investor relations refused to engage with us. So effectively management is closing them off.
“investor relations refused to engage with us. So effectively management is closing them off.”
1m34s• 13,724 views
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SoFi stock > 185%
Quote from Video
What's happened to SoFi stock since then? Well, shares are up about 185%.
“What's happened to SoFi stock since then? Well, shares are up about 185%.”
2m34s• 5,018 views
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SoFi > ripping
Quote from Video
SoFi is ripping as well, up around 7% as I'm making this video.
“SoFi is ripping as well, up around 7% as I'm making this video.”
38s• 5,519 views
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SoFi > 29
Quote from Video
If this breaks $29, which again, we're right there. Momentum is building up. We're up 7%. If we're able to get the clean cut break over 29, um, yeah, this thing's going to go.
“If this breaks $29, which again, we're right there. Momentum is building up. We're up 7%. If we're able to get the clean cut break over 29, um, yeah, this thing's going to go.”
3m46s• 5,519 views
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SoFi > a bottom
Quote from Video
I think SoFi might put in a bottom. You know, we can't say for sure where the bottom is... maybe down to $14 $15.
“I think SoFi might put in a bottom. You know, we can't say for sure where the bottom is... maybe down to $14 $15.”
2m36s• 6,836 views
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SoFi > decline in share price
Quote from Video
So, SoFi did go down a very painful 11.86%, 86% 2815 the low, 3175 the high and 116.7 million shares being traded.
“So, SoFi did go down a very painful 11.86%, 86% 2815 the low, 3175 the high and 116.7 million shares being traded.”
20s• 5,848 views
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SoFi > new analyst ratings
Quote from Video
there was no new analyst ratings whatsoever.
“there was no new analyst ratings whatsoever.”
8m8s• 5,848 views
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SoFi > 10-day moving average
Quote from Video
Today, it did break below that 10-day moving average like it was nothing.
“Today, it did break below that 10-day moving average like it was nothing.”
9m26s• 5,848 views
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SoFi > increased volatility
Quote from Video
SoFi it was interesting and you're seeing more of these types of crazy swings...
“SoFi it was interesting and you're seeing more of these types of crazy swings...”
8m35s• 5,848 views
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SoFi > algorithmic trading
Quote from Video
most of the volume was linked to algorithmic trading. So a lot of the smaller transactions based on the flow.
“most of the volume was linked to algorithmic trading. So a lot of the smaller transactions based on the flow.”
8m23s• 5,848 views
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SoFi > new articles
Quote from Video
But nonetheless, still no new articles really talking about SoFi or anything.
“But nonetheless, still no new articles really talking about SoFi or anything.”
9m42s• 5,848 views
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SoFi > $20
Quote from Video
SoFi essentially being stuck under $20 for what seems like forever, what does all this actual new news mean for SoFi stock itself?
“SoFi essentially being stuck under $20 for what seems like forever, what does all this actual new news mean for SoFi stock itself?”
9s• 39,880 views
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SoFi executing on a high level > other big players vying for partnership
Quote from Video
if SoFi executes on a high level for Mastercard, I can guarantee you if it's a win for Mastercard and a win for SoFi, they're going to have other big players vying for their product and their partnership as well.
“if SoFi executes on a high level for Mastercard, I can guarantee you if it's a win for Mastercard and a win for SoFi, they're going to have other big players vying for their product and their partnership as well.”
4m48s• 39,880 views
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SoFi > $32 per share
Quote from Video
Lots of people got caught up into it right here with SoFi. $32 per share. Somehow it's going to the moon based upon all these projections and spreadsheets and charts...
“Lots of people got caught up into it right here with SoFi. $32 per share. Somehow it's going to the moon based upon all these projections and spreadsheets and charts...”
5m50s• 39,880 views
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SoFi > the S&P
Quote from Video
let's address it right here and that is SoFi not getting into the S&P again. It is not a catalyst for the stock. It is a short-term trading catalyst at best.
“let's address it right here and that is SoFi not getting into the S&P again. It is not a catalyst for the stock. It is a short-term trading catalyst at best.”
6m39s• 39,880 views
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SoFi > S&P 500
Quote from Video
do I think that SoFi gets in eventually? Of course I do.
“do I think that SoFi gets in eventually? Of course I do.”
9m26s• 39,880 views
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SoFi > Robin Hood
Quote from Video
to me they are wildly different just like I think anybody trying to say that SoFi is just like JP Morgan is laughable. They are two completely different types of companies with completely different strategies, completely different regulation, completely different everything.
“to me they are wildly different just like I think anybody trying to say that SoFi is just like JP Morgan is laughable. They are two completely different types of companies with completely different strategies, completely different regulation, completely different everything.”
10m46s• 39,880 views
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SoFi > building a massive foundation before expansion
Quote from Video
SoFi strategy is we're going to build this massive foundation. Okay? And then after we build this massive foundation, we're going to start building our massive house on top of it while we continue to expand that foundation.
“SoFi strategy is we're going to build this massive foundation. Okay? And then after we build this massive foundation, we're going to start building our massive house on top of it while we continue to expand that foundation.”
12m17s• 39,880 views
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SoFi > hard economic times
Quote from Video
that's why when you start talking about hard economic times... SoFi is going to be in a better spot to put up better numbers and weather that storm better than what Robin Hood is.
“that's why when you start talking about hard economic times... SoFi is going to be in a better spot to put up better numbers and weather that storm better than what Robin Hood is.”
13m11s• 39,880 views
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SoFi > comparison with Robin Hood
Quote from Video
SoFi is going to be in a better spot to put up better numbers and weather that storm better than what Robin Hood is. Now, that doesn't mean Robin Hood's going under, it's a terrible company or anything else of that nature.
“SoFi is going to be in a better spot to put up better numbers and weather that storm better than what Robin Hood is. Now, that doesn't mean Robin Hood's going under, it's a terrible company or anything else of that nature.”
13m15s• 39,880 views
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SoFi > strategy
Quote from Video
But I like the way he's doing it, which is actually building a massive foundation for future years because that is how you end up with a stock that ends up giving you a 10x return and another 10x return and another 10x return.
“But I like the way he's doing it, which is actually building a massive foundation for future years because that is how you end up with a stock that ends up giving you a 10x return and another 10x return and another 10x return.”
15m16s• 39,880 views
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SoFi > 20
Quote from Video
you see SoFi even dropping down here to 20.
“you see SoFi even dropping down here to 20.”
9m49s• 6,685 views
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SoFi > a cool year
Quote from Video
I think SoFi could have a cool year especially with a possible S&P 500 inclusion.
“I think SoFi could have a cool year especially with a possible S&P 500 inclusion.”
9m22s• 7,572 views
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SoFi > $18 per share
Quote from Video
SoFi, for some strange reason, is not only back under 20, not only back under 19, but actually back under $18 per share at the time of recording this video.
“SoFi, for some strange reason, is not only back under 20, not only back under 19, but actually back under $18 per share at the time of recording this video.”
12s• 25,816 views
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SoFi > last year
Quote from Video
What we do know is that the business today is a much better business than last year, two years ago, three years ago, five years ago.
“What we do know is that the business today is a much better business than last year, two years ago, three years ago, five years ago.”
30s• 25,816 views
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SoFi > per quarter
Quote from Video
Today, they do a billion dollars per quarter.
“Today, they do a billion dollars per quarter.”
1m48s• 25,816 views
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SoFi's stock > 8.2%
Quote from Video
first up, over the past 5 years, SoFi stock is down 8.2%.
“first up, over the past 5 years, SoFi stock is down 8.2%.”
3m26s• 25,816 views
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SoFi > average price target
Quote from Video
the consensus here from Wall Street, although we know Wall Street stock goes down, so they have to lower their price target. But so far, well, so far it's been okay. Now, what we can also see here is this the earnings history.
“the consensus here from Wall Street, although we know Wall Street stock goes down, so they have to lower their price target. But so far, well, so far it's been okay. Now, what we can also see here is this the earnings history.”
3m46s• 25,816 views
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SoFi > earnings expectations
Quote from Video
This is a company that has beaten expectations every single time here. EPS or revenue, every single time beating expectations.
“This is a company that has beaten expectations every single time here. EPS or revenue, every single time beating expectations.”
4m17s• 25,816 views
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SoFi > the number one holding in the fintech ETF
Quote from Video
so far is actually the number one holding there 6.11%.
“so far is actually the number one holding there 6.11%.”
5m16s• 25,816 views
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SoFi > quarterly revenue
Quote from Video
So far in 2021, they had $171 million in quarterly revenue. Today over a billion.
“So far in 2021, they had $171 million in quarterly revenue. Today over a billion.”
5m27s• 25,816 views
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Sofi > Eida less capex is a better measurement of cash flow
Quote from Video
So for Sofi, also very important to note and Anthony Noto actually said it for a financial services company because you're using cash to fund your loans. They believe Sofa believes Eida less capex is a better measurement of cash flow.
“So for Sofi, also very important to note and Anthony Noto actually said it for a financial services company because you're using cash to fund your loans. They believe Sofa believes Eida less capex is a better measurement of cash flow.”
14m16s• 25,816 views
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SoFi > undervalued
Quote from Video
So to conclude, to me, it's very simple. So is undervalued. It's an amazing company trading at a ridiculous price right now.
“So to conclude, to me, it's very simple. So is undervalued. It's an amazing company trading at a ridiculous price right now.”
19m38s• 25,816 views
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SoFi > a gift for long-term investors
Quote from Video
My opinion, very much a big gift for all long-term investors.
“My opinion, very much a big gift for all long-term investors.”
19m43s• 25,816 views
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SoFi > 40% revenue growth
Quote from Video
SoFi reported 40% revenue growth, adjusted earnings per share more than doubled, and the company added more than 1 million new members.
“SoFi reported 40% revenue growth, adjusted earnings per share more than doubled, and the company added more than 1 million new members.”
0s• 31,699 views
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SoFi > more than 1 million new members
Quote from Video
SoFi reported 40% revenue growth, adjusted earnings per share more than doubled, and the company added more than 1 million new members.
“SoFi reported 40% revenue growth, adjusted earnings per share more than doubled, and the company added more than 1 million new members.”
4s• 31,699 views
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SoFi > adjusted net revenue
Quote from Video
adjusted net revenue. That was up 15% from the previous quarter, but it was up almost 3x from the same time last year.
“adjusted net revenue. That was up 15% from the previous quarter, but it was up almost 3x from the same time last year.”
2m56s• 31,699 views
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SoFi > crypto trading and stable coin
Quote from Video
SoFi became the first nationally chartered bank to launch crypto trading for consumers and to launch its own stable coin.
“SoFi became the first nationally chartered bank to launch crypto trading for consumers and to launch its own stable coin.”
4m21s• 31,699 views
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SoFi > business focus
Quote from Video
SoFi has done a great job shifting the business more towards these two segments.
“SoFi has done a great job shifting the business more towards these two segments.”
6m16s• 31,699 views
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SoFi > a decrease in net interest margin
Quote from Video
the fourth quarter net interest margin of 5.72% was down 19 basis points from 5.91%. And this is one of the reasons why SoFi stock is down following the earnings release.
“the fourth quarter net interest margin of 5.72% was down 19 basis points from 5.91%. And this is one of the reasons why SoFi stock is down following the earnings release.”
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SoFi > personal loans
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In fact, home loans increased by a much larger percentage than personal loans, which is a welcome sign because SoFi's business is very heavily concentrated in personal loans.
“In fact, home loans increased by a much larger percentage than personal loans, which is a welcome sign because SoFi's business is very heavily concentrated in personal loans.”
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SoFi > investors
Quote from Video
that's always concerning just like if you were following Walmart as I am when we see the gross profit margin declining for Walmart even when revenue is increasing we see that as a negative sign for the business.
“that's always concerning just like if you were following Walmart as I am when we see the gross profit margin declining for Walmart even when revenue is increasing we see that as a negative sign for the business.”
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SoFi > loans
Quote from Video
SoFi is adding another adjustment. Right? So this is a highly adjusted figure for reporting profitability. So here's another figure that's concerning investors in SoFi stock. You can see the technology platform accounts in the millions and you can see this consistent downtrend and the huge decrease in the most recently completed quarter as the company lost a big account as its tech platform accounts dropped from 158 million down to 128 million.
“SoFi is adding another adjustment. Right? So this is a highly adjusted figure for reporting profitability. So here's another figure that's concerning investors in SoFi stock. You can see the technology platform accounts in the millions and you can see this consistent downtrend and the huge decrease in the most recently completed quarter as the company lost a big account as its tech platform accounts dropped from 158 million down to 128 million.”
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SoFi > a decline in tech platform accounts
Quote from Video
But this segment has been in consistent decline for several consecutive quarters. And that's concerning investors. That's a sign that this tech platform segment is not offering an attractive customer value proposition.
“But this segment has been in consistent decline for several consecutive quarters. And that's concerning investors. That's a sign that this tech platform segment is not offering an attractive customer value proposition.”
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SoFi > 22 billion in total annualized spend
Quote from Video
And that generated 22 billion in total annualized spend in the quarter across SoFi money and credit card. And that was a 66% increase year-over-year.
“And that generated 22 billion in total annualized spend in the quarter across SoFi money and credit card. And that was a 66% increase year-over-year.”
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SoFi > deposits
Quote from Video
deposits in the fourth quarter grew by 4.6 billion up to 37.5 billion driven by member deposits. And I talked about why this is good, right? When SoFi is attracting more deposits, this is a lower cost of money for SoFi, which it then turns around and lends to borrowers...
“deposits in the fourth quarter grew by 4.6 billion up to 37.5 billion driven by member deposits. And I talked about why this is good, right? When SoFi is attracting more deposits, this is a lower cost of money for SoFi, which it then turns around and lends to borrowers...”
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SoFi > personal loans
Quote from Video
over the 3 months, they added about $800 million in personal loans on the balance sheet. That's relatively good because usually they add a lot more in personal loans compared to student loans and home loans every single quarter.
“over the 3 months, they added about $800 million in personal loans on the balance sheet. That's relatively good because usually they add a lot more in personal loans compared to student loans and home loans every single quarter.”
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SoFi > personal loans
Quote from Video
we saw what a large concentration SoFi owns in personal loans. So even though SoFi's balance sheet of personal loans didn't increase by all that much, the overall business is still heavily concentrated in personal loans.
“we saw what a large concentration SoFi owns in personal loans. So even though SoFi's balance sheet of personal loans didn't increase by all that much, the overall business is still heavily concentrated in personal loans.”
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SoFi > compared to the intrinsic value
Quote from Video
forward price to earnings ratios were approaching 50 and my intrinsic value per share compared to the current market price also showed a significant overvaluation.
“forward price to earnings ratios were approaching 50 and my intrinsic value per share compared to the current market price also showed a significant overvaluation.”
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SoFi > earnings
Quote from Video
So, earnings are going to come in uh fast and furious here in about 4 minutes. We are going to get SoFi earnings.
“So, earnings are going to come in uh fast and furious here in about 4 minutes. We are going to get SoFi earnings.”
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SoFi > more than $1 billion in quarterly revenue
Quote from Video
2025 was a tremendous year and the fourth quarter was nothing short of exceptional delivering more than $1 billion in quarterly revenue for the first time in our history said Anthony Notto.
“2025 was a tremendous year and the fourth quarter was nothing short of exceptional delivering more than $1 billion in quarterly revenue for the first time in our history said Anthony Notto.”
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SoFi > 1 million new members
Quote from Video
We added a record 1 million new members this quarter and drove record product growth.
“We added a record 1 million new members this quarter and drove record product growth.”
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SoFi > 30%
Quote from Video
Lastly, we expect EPS will be approximately 60 cents per share. I dude I'm a I'm a fan of this guide. It's not like obviously they need to be conservative cuz they need to like they're still going to beat and raise but at least it's you know they're showing 30 handles in front and saying hey we're not looking to grow in high 20s mid 20 ranges. No, we're looking to grow at 30 plus% rates at least 30% year-over-year.
“Lastly, we expect EPS will be approximately 60 cents per share. I dude I'm a I'm a fan of this guide. It's not like obviously they need to be conservative cuz they need to like they're still going to beat and raise but at least it's you know they're showing 30 handles in front and saying hey we're not looking to grow in high 20s mid 20 ranges. No, we're looking to grow at 30 plus% rates at least 30% year-over-year.”
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SoFi > capital
Quote from Video
And this is look at this. These are the capital raises recently. So tangible book value 8.9 billion.
“And this is look at this. These are the capital raises recently. So tangible book value 8.9 billion.”
18m8s• 33,158 views
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SoFi > EPS
Quote from Video
Uh they did 39 cents of EPS.
“Uh they did 39 cents of EPS.”
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SoFi > personal loans
Quote from Video
Like, look at this. Look at what they were selling their their personal loans at 106.5% gain on sale margin.
“Like, look at this. Look at what they were selling their their personal loans at 106.5% gain on sale margin.”
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SoFi > increase in new products adoption
Quote from Video
this seems to be continued validation of that thesis. Uh so they added a record 1.0 million new members. These are new so this is not net. You'll you'll see a different number on the slide as a result. So keep that in mind but leading to a 35% year-over-year increase.
“this seems to be continued validation of that thesis. Uh so they added a record 1.0 million new members. These are new so this is not net. You'll you'll see a different number on the slide as a result. So keep that in mind but leading to a 35% year-over-year increase.”
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SoFi > 37% revenue growth
Quote from Video
Sure. It ended an incredible year for SoFi. In the quarter, we had 37% revenue growth.
“Sure. It ended an incredible year for SoFi. In the quarter, we had 37% revenue growth.”
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SoFi > 35% year-over-year revenue growth
Quote from Video
as we go into 2026 things look incredibly strong and guided the first quarter to 35% year-over-year revenue growth.
“as we go into 2026 things look incredibly strong and guided the first quarter to 35% year-over-year revenue growth.”
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SoFi > additional share sales
Quote from Video
one of which is the fact that SoFi announced $1.5 billion in additional share sales.
“one of which is the fact that SoFi announced $1.5 billion in additional share sales.”
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SoFi > revenue
Quote from Video
last one here is of course SoFi adjusted revenue that goes up and to the right. Stock usually follows.
“last one here is of course SoFi adjusted revenue that goes up and to the right. Stock usually follows.”
23m23s• 35,366 views
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SoFi > 35% growth
Quote from Video
these are the expected growth rates over the next coming quarters, 35% growth for the next quarter.
“these are the expected growth rates over the next coming quarters, 35% growth for the next quarter.”
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SoFi > S&P 500
Quote from Video
First up, some S&P 500 inclusion. Sorry to say, but SoFi is not on the list.
“First up, some S&P 500 inclusion. Sorry to say, but SoFi is not on the list.”
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SoFi > 30% growth for adjusted tax revenue and 60% EPS
Quote from Video
And so right now, what we're seeing here is the expected growth for adjusted tax revenue to be 30%. EPS 60%. That's the number that we're working with right now.
“And so right now, what we're seeing here is the expected growth for adjusted tax revenue to be 30%. EPS 60%. That's the number that we're working with right now.”
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SoFi > 54% year-over-year and 40% over the next couple of years
Quote from Video
31 times earnings for a company that's growing that 54% year-over-year, still expected to grow that number close to 40% over the next couple of years.
“31 times earnings for a company that's growing that 54% year-over-year, still expected to grow that number close to 40% over the next couple of years.”
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SoFi > $26.4 per share
Quote from Video
well again it's not too crazy to say that today the implied fair price for SoFi should be closer to $26.4 per share.
“well again it's not too crazy to say that today the implied fair price for SoFi should be closer to $26.4 per share.”
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