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 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'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 

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 

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 Technologies is the fintech consolidation story. It is a chartered digital bank offering loans and investing all in one app. x.com 

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

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 34.6% growth in total members makes its share-price weakness look disconnected from the business. Revenue grew 42.5% year over year while the stock fell 45% over the past year, leaving it a broken stock rather than a broken company. x.com 

SoFi is in a bear market, with far more resistance above than support below, so hedging beats adding here. Institutions accumulated heavily in the $30s, but retail has sold inefficiently since, and many holders are simply hoping for a pop to sell at breakeven. Owning it back above $30 is preferable to fishing for a bottom. x.com