RocketMan
Space Investor, Rocket Lab Focus
SoFi CEO Anthony Noto is an incredible leader who does what he says and frequently buys his own stock, which has signaled big things coming. Per @basispointpod, he said the stock's year-to-date decline bothers him a ton and that he will work to deliver on the high standard SoFi is held to. x.comÂ
SoFi's stronger revenue and earnings growth makes it worth staying with for at least another quarter. Per amitisinvesting, Q3 revenue rose 44% and adjusted EPS 64%, with 2027 revenue and EPS guidance above estimates. It still needs to show it can sustain the trajectory. x.com x.com x.comÂ
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.comÂ
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.comÂ
SoFi at $15 is a good setup and the easier stock to hold through volatility, because its numbers are already there: revenue grew 41%, members 35% and products 39%. It is hated by parts of the market yet scaling fast, and could look like an obvious buy in a year or two. CEO Anthony Noto buying over $1 million of stock into the weakness makes it easier to sit through dips, so it is the one to size up and hold rather than trade. x.comÂ
Muddy Waters' new short on SoFi, which claims $312M in loan restatements, is not a reason to sell. CEO Anthony Noto's $1M insider purchase still stands, and Noto knows the loan book better than Muddy Waters' Carson Block does. x.comÂ
SoFi CEO Anthony Noto promoting crypto purchases with a $25 sign-up bonus should be a major red flag for shareholders, especially after Steve Eisman's podcast on SoFi. 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
SoFi's revenue growth, earnings beat and raised guidance suggest its inflection is starting. Revenue grew 44%, and its initial 2027 outlook topped consensus. 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
SoFi's accelerating products per member bodes well for its long-term growth. The attached series rises from about 1.45 in March 2024 to 1.56 in September 2026, with a sharper climb in 2026. x.comÂ
