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 looks attractive after falling alongside SoFi. 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

Robinhood is well positioned for the coming generational wealth transfer because it owns the younger investor. Older generations still control over 60% of US wealth, and trillions will eventually flow to younger generations. SoFi is preferred, though, as Robinhood trades at a much richer multiple despite slower growth and is far more cyclical. x.com  x.com 

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.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 

Robinhood's growing non-crypto businesses make its trading-app valuation look too low. Gold subscribers rose 34% to 5.2 million, platform assets reached $396 billion, and 14 business lines now each generate over $100 million annually. Overweight with a $115 target, despite a weak report: deposits fell to $15.7 billion from $22 billion and net interest income dropped 9% as rates declined. x.com  x.com 

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.com 

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.com 

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