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 

Personal-loan economics and demand holding up despite interest rates should support Happen Bank's shares tomorrow. SoFi's good earnings provide the read-through. After rising two-year rates beat down Happen Bank's shares, a healthy personal-loan marketplace would offer asymmetric upside at 8x earnings with decent growth. x.com  x.com 

Fintech's slide looks like a broad rotation out of the sector rather than isolated company weakness, as investors buy the largest beneficiaries of the AI infrastructure buildout. SoFi is down 43% year to date, with similar weakness at Klarna, Shift4 and Toast, as capital leaves fintech, software and emerging markets for semiconductors, networking, memory and AI infrastructure names such as Nvidia, Broadcom, Micron and Nebius. SoFi CEO Anthony Noto said the decline bothers him. x.com 

SoFi's low-cost deposits and expanding financial ecosystem could drive faster earnings than revenue growth in 2027, potentially making it the best growth stock to own that year. Q3 adjusted revenue rose 44% to $1.37B; management estimates $51.3B in deposits save $745M annually against warehouse funding. Management guides to $6.4B in 2027 adjusted revenue and $0.90 EPS versus $0.61 EPS for 2026. Revaluation hinges on execution and credit discipline amid slowing growth and Tech Platform weakness. … Show more

As the AI infrastructure crash takes form, its recessionary effect suppresses bond issuance and powerfully caps yields, giving battered housing, mortgage and related stocks a lift. Starwood Property Trust, Rocket Companies and Builders FirstSource should get a powerful boost as yields fall, with huge short covering and fundamental improvement; many in the group trade well below book value. x.com  x.com  x.com 

Rising long-term yields threaten SoFi and other fintechs. The US 10-year yield is at its highest in about 30 years, and 10-year yields in Japan, Germany and the UK are also at highs, with Japan's at 2.91%, the highest since 1996. Klarna is the first casualty of this uncertainty, and it will hit SoFi and every other fintech. x.com 

The market looks further ahead than today's weak housing conditions, so Rocket Companies and Zillow look bottomed. Both appear poised for big runs despite how bad the housing market remains. x.com 

Quality and price favor these eight stocks. Amazon improves as its multiple falls; Uber generates serious cash flow; Netflix is more profitable at a lower multiple; ServiceNow grew amid multiple compression. SoFi's appeal hinges on earnings near management's long-term expectations. McDonald's ranks among the world's highest-quality businesses at one of its more reasonable valuations in years. AI disruption weighs on Adobe's valuation; Brookfield compounds assets at a comfortable long-term price. … 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 

Most rivals cannot match these 12 stocks' moats. Micron is one of three HBM titans; Circle backs USDC; ASML alone makes EUV; Planet Labs has the largest Earth-imaging fleet. MongoDB is developers' choice; Affirm embeds at Amazon and Shopify; Eli Lilly leads GLP-1; SoFi spans loans, banking and investing. On gains via CloudTec; AST SpaceMobile builds phone satellites; Rigetti offers cloud quantum computing; Spotify, the largest music streamer, adds podcasts and audiobooks. x.com  x.com  x.com  x.com  … Show more