SoFi's egregious dilution means business growth may fail to benefit existing shareholders. Its share count rose 61% over five years, reducing an original 1% stake to about 0.6%; even 61% earnings growth could leave earnings per share flat. As a bank, SoFi is already practically uninvestable by these standards, though dilution need not destroy value if the capital raised creates more value than the ownership surrendered. x.com 

Robinhood's higher revenue and EPS make it clearly stronger than SoFi on these earnings. SoFi's post-earnings rally is unlikely to hold; its shares are headed for single digits. x.com  x.com 

SoFi's newly reported growth widens the gap between its operating results and a selloff driven by interest-rate fears. Revenue grew 45%, EPS 67% and members 35%, while the stock had fallen nearly 50%; the business is seen as able to succeed across rate environments. x.com 

SoFi has failed to grow or execute, making it a poor choice when better opportunities abound. Founded in 2011, it is worth $24B, while Anthropic, founded in 2021, is valued above $1T. The problem is not that banking is boring, as @TRDRZone suggested, but that SoFi does everything poorly. x.com  x.com 

SoFi's CEO Anthony Noto is pitching a valuation the business does not justify. On a podcast he suggested SoFi should not trade at 2x tangible book or less, alluding to American Express's 5-6x peaks and JPMorgan's roughly 2.8x, yet no bank matches JPMorgan's size, scale and safety, and SoFi already trades near 2.25-2.3x. SoFi is second best or worse at everything and first at nothing, student loan refinancing is still a big slice, its credit card is uncompetitive, and savings are commoditized. … Show more

SoFi's expanding financial ecosystem now has eight businesses above $100 million in annualized revenue, a shift from its student-loan origins that makes its next decade incredibly bullish. Crypto products rose from 63,441 in Q4 2025 to 503,070 in Q3 2026, nearly 8x in three quarters. It is still early, but crypto could become another valuable piece of the ecosystem. x.com  x.com 

SoFi's app is poor by the standards of modern financial-services apps, which makes the stock hard to justify owning right now. Investors should know a company's products before investing in it. x.com 

SoFi's dilution and significant premium to book value versus banks and other financial institutions make it the holding to remove from the portfolio. x.com 

SoFi's conservative 2027 guide leaves room to beat expectations, barring a macro shock. Its $6.4B revenue target is 4.2% above consensus and $0.90 EPS target is $0.08 ahead; Q3 revenue grew 44.5% and net margin widened 280 basis points year over year. Cross-selling is gaining traction, management says no capital raise is needed through 2027, and CEO Anthony Noto says he is as confident in durable growth at high rates as at low rates. x.com  x.com  x.com  x.com  x.com  x.com  x.com  x.com  x.com 

SoFi is struggling and its leadership's blockchain push looks like a substitute for a real plan. CEO Anthony Noto calls blockchain the fix for archaic financial infrastructure, but SoFi is caught between sector rotation and agentic AI. Bulls cite $1.2B of net revenue, a pre-operating-expense metric, yet SoFi's profit margin is about 14% versus Robinhood's 42%, and it spends about 4x as much on sales and marketing. Its new stablecoin launched with a $60k transaction, years behind Circle. x.com  … Show more