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Subject
Quote from Video
IN AUGUST THE COMPANY ANNOUNCED IT WOULD PARTNER WITH LIGHTS BARK TO POWER BLOCK CHAIN ENABLED INTERNATIONAL MONEY TRANSFERS.
“IN AUGUST THE COMPANY ANNOUNCED IT WOULD PARTNER WITH LIGHTS BARK TO POWER BLOCK CHAIN ENABLED INTERNATIONAL MONEY TRANSFERS.”
Subject
Quote from Video
IN ADDITION TO HAVING SOFI WE ARE ENTERING THE BUY, SELL AND HOLD CRYPTO CURRENCIES IN 2023.
“IN ADDITION TO HAVING SOFI WE ARE ENTERING THE BUY, SELL AND HOLD CRYPTO CURRENCIES IN 2023.”
Subject
Quote from Video
IN 2026 WE WILL INTRODUCE STABLE COIN, PART OF SOPHIA PAY BUT ALSO PART OF A NUMBER OF OTHER SERVICES INCLUDING POINT OF SCALE PURCHASES.
“IN 2026 WE WILL INTRODUCE STABLE COIN, PART OF SOPHIA PAY BUT ALSO PART OF A NUMBER OF OTHER SERVICES INCLUDING POINT OF SCALE PURCHASES.”
Subject
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.”
Subject
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.”
Subject
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.”
Subject
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.”
Subject
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.”
Subject
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.”
Subject
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.”
Subject
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.”
Subject
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.”
Subject
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.”
Subject
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.”
Subject
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.”
Subject
Quote from Video
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.”
Subject
Quote from Video
SoFi's ability to make a better net interest margin is more deposits from people like you. Because when you make a deposit into SoFi's bank, it's paying you on average a lot less...
“SoFi's ability to make a better net interest margin is more deposits from people like you. Because when you make a deposit into SoFi's bank, it's paying you on average a lot less...”
Subject
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.”
Subject
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...”
Subject
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.”
Subject
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.”
Subject
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.”
Subject
Quote from Video
Uh they did 39 cents of EPS.
“Uh they did 39 cents of EPS.”
Subject
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.”
Subject
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.”
Subject
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.”
Subject
Quote from Video
With the new administration and new leadership, the OC in April of 2025, we were uh given permissibility to operate in crypto and we and we've run as fast as we possibly could to get to market.
“With the new administration and new leadership, the OC in April of 2025, we were uh given permissibility to operate in crypto and we and we've run as fast as we possibly could to get to market.”