Mentions

The host is bullish on SoFi, providing a detailed breakdown of the company's customer acquisition funnel — using free entry products like high-yield savings and credit score tools to capture users early, then aggressively cross-selling into higher-margin products like loans, insurance, and credit cards. He identifies lending as the highest revenue driver and emphasizes the compounding lifetime value of each customer relationship. He also highlights the B2B Galileo platform as an additional growth engine. His 6–12 month price target is $25–$30 per share from a then-current level around $15–$19.

The host is strongly bullish on SoFi heading into Q1 2026 earnings (April 29th), calling it the company's strongest quarter in history. Key catalysts include record-high personal loan originations of $7.5B, accelerating home loan growth nearly surpassing student loan originations, and 478,000 new SoFi Money accounts. The host projects $1.172B in adjusted revenue (+33.5% YoY for full year 2026), a 54% contribution margin, $343M adjusted EBITDA at 32% margin, and net income of $187M (17.5% margin) — all company records. EPS is expected at 14 cents, beating management's own 12-cent guide, consistent with SoFi's pattern of 'triple beats.' The host also highlights SoFi Crypto as a new high-margin product (106,000 new accounts in Q1 after only 8 days of availability in Q4), which is seen as a structural margin tailwind. Full-year 2026 net income is forecast to grow 86% to $900M with EPS of 65 cents (+71% YoY). The only headwind noted is Technology Platform revenue declining ~6% YoY due to the Chime client departure, though the host expects a pro-forma 20% growth rate ex-Chime.

The host is bullish on SoFi, already holding shares and currently selling a $17 put as a strategy to acquire additional shares at a discount. The stock's ongoing recovery is cited as a positive backdrop, and the $17 strike is presented as an attractive entry point — with the collected premium reducing the effective cost basis below the limit-order equivalent. The host uses SoFi as a tutorial example to illustrate why selling puts is superior to a plain limit order, reinforcing a clear buy-the-dip directional stance.

The host is strongly bullish on SoFi, having bought heavily under $18 and viewing any dip back toward $15–$16 as a major gift. Despite being down 27.5% YTD, the forward PE of ~30x is justified given 60-cent EPS guidance for 2026, 81-cent EPS in 2027, and company-guided 30%+ compounded annual adjusted net revenue growth from 2025 to 2028. The host anticipates another triple beat on the upcoming quarterly earnings report and argues that SoFi does not deserve to be valued like a traditional bank given its near-30% revenue growth. Accelerating growth in crypto, brokerage, home loans, and student loans as rates potentially improve further underpins the long-term thesis.

The host is strongly bullish on SoFi, spending the entire video debunking two major retail misconceptions. On dilution: he argues SoFi's past dilution rounds were net positive — management deployed the capital to aggressively grow the business and restructure debt, saving hundreds of millions in interest. He draws parallels to Big Tech's early years of heavy dilution that preceded massive long-term gains, explicitly trusts CEO Noto, and criticizes social media narratives that caused retail investors to sell at $9 last year instead of buying the dip. On S&P 500 inclusion: he concedes a short-term trading bump and a more stable institutional shareholder base are real positives, but firmly rejects the idea that inclusion is a long-term fundamental catalyst — noting it adds no revenue, margins, or EPS. He adds that failure to be included does not make SoFi a bad stock, and he would treat any resulting dip as a buying opportunity in a great long-term business.

The host is strongly bullish on SoFi, holding 10,000 shares (~4% of portfolio) at a $21 average cost. Key bullish drivers include CEO Anthony Notto's insider buying, four consecutive earnings beats, record adjusted net revenue of $3.6B for 2025 (up 38% YoY), 1 million new members added in a single quarter, and $37.4B in record deposits. The host highlights SoFi's software-like economics and member flywheel effect — low customer acquisition cost combined with aggressive cross-selling of loans, credit cards, and home loans drives rising lifetime value at minimal incremental cost. Technically, support is cited in the low $15s after a 35% three-month drawdown. The host dismisses Muddy Waters accounting fraud allegations as unlikely to be material long-term, acknowledges elevated short interest but calls it an opportunity. Price targets of $20+ by end of next quarter and $25+ in 2027 are cited, with the explicit message that selling here is the 'biggest mistake' an investor can make.

The host is highly bullish on SoFi, centering the thesis on its rapidly expanding fee-based revenue mix. The latest catalyst is Galileo's Fed Now integration enabling instant transfers charged at 0.75% per transaction (0.375% for SoFi Plus members), which the host projects will become an instant nine-figure annualized revenue stream given 13.6 million members growing at ~1 million per quarter and rising deposit balances. The host benchmarks the opportunity against Robinhood (~$35–40M/quarter), Coinbase (~$60M/quarter), and Chime to underscore how proven and lucrative instant-transfer fees are across fintech. Beyond instant transfers, the host catalogs a string of recently launched fee-based products — business banking, the loan platform business, crypto, SoFi USD, SoFi Plus ($10/month subscription), Smart Card, private market access, and Level 1 options — all zero credit risk additions that grew fee-based revenue ~59% YoY. A structural competitive moat is highlighted: because SoFi holds a full banking charter with a direct Federal Reserve license, third-party fintechs (Coinbase, Robinhood, Chime) must pay SoFi for Fed Now access, allowing SoFi to capture the full margin. The host explicitly states they are continuing to invest in SoFi.

The host is bullish on SoFi as a fintech laggard with meaningful catch-up potential. The stock dropped ~50% on macro headwinds even as the underlying business continued to improve. From the recent bottom it is only up 18.3% — far below the 50–73% gains seen in AI names — which the host views as evidence of remaining opportunity. With shares near $13–13.5, he considers SoFi and the fintech sector broadly to be attractively priced for long-term investors, regardless of the recent partial rebound.

The host added 125 shares of SoFi (a 4.5% position increase) and considers current prices around $16 'ridiculous' and far too cheap. He dismisses bearish price targets of $10-$13, asserting the underlying business is performing extremely well. His core bull thesis is an expectation of another 'triple beat' in the upcoming earnings report, making this an active accumulation call.

The host is strongly bullish on SoFi, presenting a multi-layered bull thesis while executing a covered call income strategy on a 10,000-share position. He estimates fair value at $24/share on a DCF basis, noting the stock has been 'annihilated' ~50% from recent highs to ~$16 and now sits below his $21 average cost. He highlights SoFi's 'member flywheel' — low-friction customer acquisition via free checking and student loans, followed by cross-selling into credit cards, investing, and home loans — as a durable competitive moat. He also points to CEO Anthony Notto's insider purchase of 29,800 shares at ~$17.32 in March as a confirming signal, noting his own covered call basis is below Notto's buy price. He views the short-term catalyst as the next earnings report and plans to remove his covered call heading into earnings given his medium-to-long-term conviction. The covered call structure (May/June/August expirations at $17–$24 strikes) is framed as a way to collect premium and reduce cost basis while waiting for a recovery.

The host is strongly bullish on SoFi under $18, drawing a direct parallel to when he called it a buy under $10. He walks through a full DCF model with bull/base/bear scenarios yielding a probability-weighted implied price ~$25 (~51% upside). Key catalysts include: Q1 earnings expected to deliver triple beats (adjusted net revenue +35% YoY, net income +125% YoY), the expansion of the loan platform business with $3.6B+ in new agreements potentially adding $140–190M in 2026 revenue, a Mastercard stablecoin settlement partnership, the launch of business banking for crypto/fiat, and top rankings in JD Power and Forbes Best Banks. The host dismisses the 40% YTD drawdown as macro-driven rather than fundamental, noting the company continues executing close to perfection on both top and bottom lines.

SoFi is one of the host's highest-conviction covered-call names and receives the most total airtime. He demonstrates a live account with 5,100 shares and a $20,000 total return, uses it for a real-time technical walkthrough (Bollinger band bottom bounce, RSI in the 30s, double-top pattern followed by recovery), and then delivers detailed fundamental analysis: sticky customer acquisition through free checking accounts, AI-driven upsell funnels, low customer-acquisition cost via stadium naming rights and SEO, and rising lifetime value. He targets an $18 covered call strike, projects $25/share in 2026, and expects a return to all-time highs by 2027. Stock is described as 'too cheap' despite being down ~40% over six months.

The host is strongly bullish on SoFi, citing a 45% YoY increase in website traffic (to 30.7M visits), record-high app store rankings (top 15 finance apps), and rising institutional ownership even as the stock fell 40% — attributed to retail capitulation rather than fundamental deterioration. The host highlights a $3.6B loan platform deal, SoFi's conservative unemployment assumptions (4.5–5%) vs. the actual 4.3% print, CEO Noto's record of triple beats every quarter since going public, and SoFi being named the #1 best bank in the US by Forbes. Earnings are expected April 29th and the host is confident guidance will be beaten and raised.

The host is strongly bullish on SoFi following the launch of its Big Business Banking product. Key catalysts include: (1) a fee-based, risk-free revenue model targeting crypto and fintech enterprises — a blue ocean niche the big banks won't compete in; (2) the SoFi Exchange Network enabling instant internal transfers between enterprise clients, lowering fees and driving organic referrals; (3) SoFi USD stablecoin already at $100M supply with major crypto partners (BitGo, Cumberland, Galaxy, Wintermute) as launch clients; (4) Galileo's existing enterprise relationships providing a massive cross-sell pipeline; and (5) SoFi's national insured depository license as a structural moat allowing rapid entry into new verticals without new licensing. The host frames this as a potential fourth revenue segment — high-margin, corporate-funded, and highly scalable — and explicitly states they are a happy shareholder despite current market doubt around the name.

The host is strongly bullish on SoFi and explicitly refuses to sell despite the stock being down 40.8% year-to-date. Key reasons cited include expected 60 cents EPS for 2026 (implying ~25x forward earnings), a likely earnings beat on April 29th, record website traffic up 45% YoY to 30.74 million visits in March 2026, and a reintroduced crypto business. The host views the current $16 price as a buying opportunity, considers adding to an already large position, and targets a return to $30 within 12–24 months as the market re-rates the stock on rising EPS.