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 

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 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.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 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 

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 will not get a tech multiple, so it will likely underperform about 90% of tech companies over the next five years despite being a great company. Its tech platform never grew into a larger, higher-margin share of revenue, leaving it a fast-growing bank, and its guidance includes no rate cuts. It has underperformed the S&P 500 and especially the Nasdaq 100 since its 2020 SPAC listing. x.com  x.com  x.com  x.com  x.com  x.com 

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 

SoFi's raised profitability guidance will help its stock move past $20; a very big move will need interest rates to fall substantially. Management lifted 2026 adjusted EPS guidance 50%, from $0.60 to $0.90, and revenue guidance to $5.04B after Q3 revenue rose over 44% and adjusted EPS grew nearly 64% year over year. x.com  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