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 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 

SoFi's Q3 growth and raised outlook deepen the gap between its business and pressured shares. Adjusted revenue rose 44% to $1.4B, EBITDA 70% to $470M and members 35% to 17.1M; 2026 guidance rose to $5.04B, with a new 2027 outlook of $6.4B and $0.90 EPS. By far one of the strongest reports amid poor sentiment, this makes SoFi one of the best long-term opportunities. SoFi says eight businesses each generate over $100M annualized and targets 100M products by 2030. x.com  x.com  x.com  x.com 

SoFi is overvalued because it is just a bank, as it has been since inception. Member growth of 518% over five years while the stock fell 21%, cited by @StockSavvyShay, does not make it an opportunity, since the stock was extremely overvalued five years ago and subscriber growth does not justify the valuation. The fintech sector is trading poorly with little investor interest, so waiting means years of mediocre returns. x.com  x.com  x.com  x.com  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 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 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

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 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

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