RocketMan
Space Investor, Rocket Lab Focus
Robinhood's push into betting is reason enough to exit the stock. @jrouldz, a two-year holder replied to here, says the company is leaning so heavily into gamification while its executives preach steady wealth-building that he is tempted to cash out. The response: hate it, and the betting was the reason to sell. x.comÂ
SoFi's cross-selling is turning growth into faster profits, making its valuation more compelling than Robinhood's despite higher margins there. Q3 revenue rose 44% and adjusted EBITDA 70%; fee-based revenue reached 42% of sales. Management guides to $6.4B revenue and $2.24B adjusted EBITDA in 2027 without needing new capital for that plan, though future dilution is possible. Robinhood's 12.4x analyst-estimated 2027 sales is nearly four times SoFi's 3.3x on management guidance. SoFi must deliver. … Show more
Robinhood's earnings miss leaves its revenue vulnerable to a market correction. Revenue could shrink further if the market corrects; a better entry may emerge over the next six months, but that is not assured. x.comÂ
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.comÂ
Robinhood and SoFi are worth owning together because they are not competing for the same thing. Robinhood is the brokerage layer of gamified investing, crypto and options for next-generation traders, while SoFi is the full financial stack of banking, lending and investing. They share a target demographic with different product anchors, both are early in monetizing their user bases at scale, and in 10 years one customer could be active on both. x.comÂ
SoFi has more upside than Robinhood, and its shares can be bought below the price the CEO himself paid. x.com x.comÂ
Robinhood's Q3 report still looks solid despite misses against tough year-ago peak crypto and equity comps. Revenue missed slightly; the EPS miss looks tied to $67M of unrealized mark-to-market losses primarily related to its RVI fund, explaining the drawdown. Its new banking feature looks frictionless: send cash by text without recipients needing Robinhood accounts, a nice Zelle alternative versus its partner bank. Robinhood is cyclical, unlike compounding SoFi, though both are great. x.com … Show more
Robinhood's hard push into gambling features makes the stock tempting to sell, because management's words and actions are misaligned. Executives preach steady wealth-building and frame gambling features as wise hedges, yet the app promotes them squarely as gambling. That approach will never attract serious investors. Platform improvements have made Robinhood a winner in a brutal fintech space, and a more graceful rollout would ease the concern. x.com x.com x.com x.comÂ
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.comÂ
Robinhood offered a much better risk profile than SoFi, with many chances this year to buy it in the $70s and even $60s. SoFi may ultimately work, but its path to execution is less clear, and a piece by nanalyzetweets lays out harsh truths about it that much of X doesn't want to admit. x.comÂ
SoFi is shaping up as an opportunity like Robinhood's run from the $40s to $100 a year ago, though likely smaller, and the broader fintech group, Robinhood included, should run too. SoFi's weekly and monthly base and a macro environment favorable to fintech and metals support the setup. SoFi is slightly favored because a breakout after one to two years of stagnation could trigger FOMO, and markets often overextend such breakouts and react extra optimistically to positive news. x.com x.com x.comÂ