SoFi CEO Anthony Noto is an incredible leader who does what he says and frequently buys his own stock, which has signaled big things coming. Per @basispointpod, he said the stock's year-to-date decline bothers him a ton and that he will work to deliver on the high standard SoFi is held to. 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'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 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's CEO buying is the one 'Tail the Whale' signal that has not worked yet. The CEO bought about $2.5 million worth of shares on five occasions this year at $15.73-$18.06, while SoFi now trades at $14.30. x.com 

SoFi is a short, because responding to a short seller report is basically an admission of guilt. SoFi's investor relations team issued a response calling the report inaccurate, and that response is laughable. x.com 

SoFi's improving credit and fee mix support its long-term earnings case. Q3 originations hit $16.9B; estimated all-in annualized personal-loan charge-offs, excluding delinquent sales, fell 80 bps YoY to 3.4%. Fee revenue hit $571M, or 42% of total. Management says current capital and organic generation can fund 2027 growth without a raise. $100 a share is aggressive on 2027 earnings; a multi-year path needs 25-40% revenue growth, wider margins and credit discipline. x.com  x.com  x.com  x.com  x.com  … Show more

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 

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 at $15 is a good setup and the easier stock to hold through volatility, because its numbers are already there: revenue grew 41%, members 35% and products 39%. It is hated by parts of the market yet scaling fast, and could look like an obvious buy in a year or two. CEO Anthony Noto buying over $1 million of stock into the weakness makes it easier to sit through dips, so it is the one to size up and hold rather than trade. x.com