Tannor Manson
@Futurenvesting
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Quickly becoming a fintech stock fanatic. Subscribe to the Future Investing YT Channel to stay in touch!
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New $14.00 price target initiated on $SOFI by BTIG.
"Our Top Pick in the Consumer Fintech Space" 👀
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$SOFI stock is down -38% YoY!
BUT the company's Q4 performance paints a different picture!
YoY fundamental changes:
Revenue +58% ✅
Adj EBITDA +1,530% ✅
Members +51% ✅
Products +53% ✅
Galileo Accts +31% ✅
Fin Serv Revenue +195% ✅
Plus:
Deposit Growth in Banking Crisis ✅
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I continue to stake my reputation & money on $SOFI, unbelievable Q3 performance.
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OMG $SOFI
Guiding for $10m - $20m of net income and getting $88m in Q1 2024.
Here comes the analyst's revisions!
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I just bought a very large chunk of $PYPL before market close because recent news from PayPal answered a very important question for me...
Will Alex Chriss come in too ambitious to revolutionize PayPal and look for acquisitions that could potentially take away from the core
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The $SOFI bulls are happy.
The analysts putting $3-4 price targets on SoFi... Not so much
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$SOFI stock is down -72% YoY, YIKES.
But the company's performance paints a different pic
YoY fundamental changes:
Revenue +56% ✅
Adj EBITDA +332% ✅
Members +61% ✅
Products +69% ✅
Galileo Accts +40% ✅
Lending Int Income +160% ✅
Plus:
Bank Charter ✅
"AWS of Fintech" ✅
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$SOFI CEO right on time to try and calm some investor's nerves.
And right on cue,
@anthonynoto
purchases another $200k of $SOFI stock on the open market.
"Insiders might sell their shares for any number of reasons, but they buy them for only one: they think the price will rise."
- Peter Lynch
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Couldn't be happier with $SOFI right now.
The customer acquisition costs are of great importance to me and they have shown amazing improvements. The unaided brand awareness should only get better from here as network effects get stronger. 🍿
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$SOFI isn't just a lending company; it also has a financial services division! People often overlook this segment, but it's a powerhouse driving profitability.
SoFi Money is the gateway to cross-selling other products, leading to significant deposit growth, increased spending,
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$SOFI website traffic is out!
SoFi continues to impress hitting new highs for website traffic in December. (Via SimilarWeb data)
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CEO Anthony Noto starts buying $SOFI shares again!
28,775 shares x 6.90 price = $198,548 purchase
Anything under $7 seems to be a trigger for him.
Thanks to
@LysybP
for finding this.
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Remember when the $SOFI polled said 30% of investors thought they wouldn't be able to even reach profitability?!
$48m in GAAP net income
8% net income margin
SoFi management continues to deliver above expectations.
#NeverMissed
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BREAKING: $SOFI Layoffs!
A sizable round of "Recent large Layoffs" seems to be taking place at
@SoFi
according to multiple employees posting on LinkedIn looking for new job opportunities.
Management roles in lending, UX researchers, software engineers, etc. Seems like a broad
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$SOFI is up 25% in just 2 days!
Let's remember what SoFi has been up to.
Q1 YoY fundamental changes:
Revenue +43%✅
Adj EBITDA +772%✅
Members +46%✅
Products +46%✅
Fin Serv Revenue +244%✅
SBC Decreased -17%✅
Plus:
Student loans coming
Deposit growth
Profits expected in Q4
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I just added to my $SOFI position for the first time in over 3 months.
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A quick reminder of $SOFI's product performance over the last two years.
Q2 2023 should be just as exciting, what do you think?
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My stock portfolio value is the highest it has ever been!
Higher than when I pulled out down payment money to buy my first home back in July 2023, all of which were stock gains.
THE STOCK MARKET HAS CHANGED MY LIFE!
I am still not where I want to be, but I will get there.
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I continually question $SoFi to see if it is undervalued in the banking and technology space.
Nothing shows my optimism in
#SoFi
like comparing them to their competitors...
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A beautiful moment for $SOFI investors.
The stock is not nearly as linear as the fundamentals, but one day it will catch up and when it does, it will be FAST.
"Hard is not for everyone, but for me and those who stay at SoFi, it fits just fine." -
@anthonynoto
$SOFI CEO Anthony Noto's Q2 Closing Remarks
(with captions & our reactions)
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Fun fact, $SOFI Finance Services division made more money this quarter ($65m) than in all 4 quarters of 2021 combined ($58m).
You can even ALMOST add all of 2020 as well... ($11m)
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I don't need bank stock "experts" to tell me which is the next best digital bank, I've already known
Lending Club $LC (-39.91%) past year ❌
Ally Financial $ALLY (-9.23%) past year ❌
SoFi Technologies $SOFI (+78.93%) past year ✅
I suspect this gap to widen, this is early days
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$SOFI
Do institutions continue to short or admit defeat?
The tailwinds for 2024 are adding up🔥
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$SOFI vs $NU vs $SQ (banking divisions only) 🧵
Which one of these companies is growing the largest and fastest user base?
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$SOFI Q3 earnings will most likely be filled with plenty of great milestones for investors to enjoy!
$15B in deposits✅
10m signed up products✅
80% of loans funded by deposits✅
growth in all 3 lending segments at once✅
contribution profitable in all 3 business segments✅
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$SOFI takes first place with the only 5-star rating on
@NerdWallet
savings account list for April 2023. Congratulations to the
@SoFi
team for their outstanding product development!
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Officially a $HOOD shareholder.
It's a blessing to get shares at $17.52 after seeing their Q1 earnings results.
Q2 is off to an amazing start, but this is a long term play on who will be the largest winners as we continue through the greatest wealth transfer in history.
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$SOFI CEO Anthony Noto just bought 28,860 more shares of SOFI stock at $6.92 per share for $199,711.
THIS BRINGS NOTO'S TOTAL BUYS THIS MONTH TO 86,535 SHARES FOR $598,247!
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$SOFI
The beating streak continues ✅
🚨 $SOFI Q2 Earnings Update 🚨
• Sales $599M vs Est. $560M
• EPS $0.01 vs Est. $0.00
• GAAP Net Income $17M vs Est. $8M
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I became more bullish on $SOFI when I really realized who has been steering the ship. Thank you for everything you do
@anthonynoto
!
ENJOY!
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$SOFI Website Traffic Update
January website traffic is continuing to push new highs, let's hope this is a new trend.
This may not mean potential new member additions (although it can), but to me, this means higher activity rates and larger DAU counts.🤞
Source: SimilarWeb
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$SOFI EARNINGS IS TOMORROW MORNING!
The SoFi weekly crew and I, along with some exciting special guests will be reviewing the earnings, listening to the call, and reflecting.
We will be live starting at 7:30am EST
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$SOFI CEO
@anthonynoto
BUYS $200K IN $SOFI STOCK TODAY.
28,900 SHARES AT $6.91
ONE THING IS FOR SURE, NOTO LOVES HIM SOME MORE SOFI STOCK UNTIL $7.
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Do you remember the scene in 'The Big Short' where the banks are finally ready to value Michael Burry's shorts appropriately AFTER they have placed their own shorts as well?
Yeah. $SOFI
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The Mizuho research team led by Dan Dolev recently met with $SOFI CFO Chris LaPointe, they came away from the meeting feeling rather bullish and had this to say.
“Given the increase in capital levels from recent transactions, many investors were wondering why SOFI had not
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$SOFI Website Traffic Update: March 2024
Q1 2024 shows the highest reported website traffic for
#SoFi
at 48.02m according to SimilarWeb.
Not bad by any means. I am excited to see member growth count on earnings day!
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To the 10K amazing souls who hit that subscribe button on YouTube, you rock my world!🤘🌍 Thanks for supporting my crazy opinions and joining me daily to chat about stocks!
This has been one the most fulfilling projects in my life and the community is what makes it all worth it!
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Another customer switching to the $SoFi Ecosystem! The network effects that a customer-centric company can have is incredible🔥
Jesse is an affluent client with a large audience happy to share his experience with a BANK due to his positive experience with the product.
I don't
After 30+ years with Wells Fargo, I've decided to make the leap towards $SOFI as my primary bank account, after setting one up and using it over the last few months. It was an easy decision with 4.3% APY from my checking and savings, with direct deposit, and I can use a debit
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September marked the first month of student loan payments returning... $SOFI was extremely picky with the quality of loans they wanted to take on.
Q4 will mark 3 full months of student loan bills mailed out to borrowers, the highest number of young professionals using $SOFI
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$SOFI stock earnings with the Weekly crew starts at 7:30 am EST tomorrow.
If you are as excited as I am, set your alarms and meet us live on YouTube tomorrow morning!
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"we plan to continue to grow our team in 2024"
"And remain committed to CONTINUING to deliver strong GAAP profitability" 🤔
Statement: “We conducted a small reduction in force yesterday. We plan to continue to grow our team in 2024 and remain committed to continuing to deliver strong GAAP profitability and grow tangible book value, by doubling down on our most important company priorities." (1/2)
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The more I look into $SOFI earnings the more I am loving what I am seeing! Video coming soon!
(Probably not as soon as others, but I want to make sure we have all the facts and a deeper look into these results!)
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Well, when we look at $SOFI this way the drop makes sense... Right?!?🤔
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$SoFi will be one of the largest beneficiaries of the current debt ceiling agreement. If you follow the stock, make sure you know everything that is happening and how exactly SoFi will profit!
ENJOY!
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I have recently doubled my investment in PayPal stock $PYPL. Many people think I am catching a falling knife, but I believe there is still massive growth left in both this stock and sector.
Here is my main case for GROWTH in PayPal going forward. ENJOY!
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And so the $SOFI train continues.
ALL ABOARD!!!!
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First, it was the debit card issuing a few months ago, and now it's the credit card issuing today!
This means $SOFI is responsible for their own regulatory authorization and the actual physical card issuing to the card holders. (the transaction authorization, account management,
Major $SOFI NEWS
On August 30, 2023, the issuing bank for SoFi Credit Cards will change from The Bank of Missouri to SoFi Bank!
This change is necessary for SoFi to achieve their goal of building a next-generation banking core.
Helpful quote by
@anthonynoto
to understand:
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SoFi's growth over the past 3 years (Q1 2019 - Q1 2022)
Members - Up 449.4%
704k to 3,868k
Total Products - Up 649.6%
782k to 5,862k
Lending Products - Up 68.7%
675k to 1,139k
Financial Services Products - Up 4314.9%
107k to 4,724k
Galileo Accounts - Up 547%
17m to 110m
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What are
#SoFi
analysts thinking?! $8??? In 12 months?! We're practically already there in a single day... $SoFi has continued to have massive beats on earnings every time! EVEN DURING A RECESSION! With
@anthonynoto
behind the wheel, we will continue to crush estimates. Im all in
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$SoFi Weekly crew meet up in Toronto!
I didn't realize I was going to be the shortest in the group... Hopefully next time
@amitisinvesting
can join us!
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Bad news for $SOFI Bears...
Bad news for the $SOFI Bears.
Morningstar upgrades the C tranche of 6/21 Consumer Lending ABS to AAA and the D Tranche to AA. This implies a low to zero level of default. I've included the table below from S&P for context.
WHY IS IT BAD FOR THE BEARS?
Paraphrasing the bear
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$SoFi At Work now powering Chipotle's new student loan benefits program.
Learn about "Secure 2.0" a program that just started on January 1st, 2024 will allow employers to match student loan contributions to their 401(k).
This now allows employees to no longer have to choose
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$SOFI Money is the lifeblood of future growth
• Total deposits grew by $2.9 billion, up 23% QoQ
• Over 90% of SoFi Money deposits are from direct deposit members
• For new direct deposit accounts opened in Q3, the median FICO score was 743
• More than half of newly funded
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I know what it is 😉
Tonight at 8:30pm EST 🥂
As the next generation of banking, SoFi's always here for the assist. Guess what’s inside, and you might be surprised what's waiting for you when it opens on Feb 13th. 😉
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When $SOFI analysts increase their price targets for the year and we hit it in less than 5 days 👀
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Oh you know, just a website that gets 30m monthly visits that gave a GLOWING review for $SOFI's two most successful & highest margin products... No biggie 🤷♂️
$SOFI took home three of NerdWallet's 2024 Best-Of Awards
1) Best Checking Account Overall
2) Best Checking Account for Overdraft Fee Avoidance
3) Best Personal Loan Overall
Awards continue to roll in for the company helping people to get their money right.
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$SOFI Briefly broke their 52 Week high. it seems that risk is coming back into the markets and my portfolio keeps runnin' runnin'
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Another great earnings result from $SoFi! I would worry much less about forward guidance however,
#SoFi
has been outperforming earnings every quarter since becoming a public company.
EBITDA BEAT BY 56%! I am not going to start believing their guidance now.📈
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Here is a quick glimpse into $SOFI growth highlighted in my latest video.🔥
Customers: ✅
Q2 2020 = 1.20m
Q2 2023 = 6.24m
CAGR of 139.36%
Revenues: ✅
Q2 2020 = $115m
Q2 2023 = $508m
CAGR of 113.95%
Adj EBITDA: ✅
Q2 2020 = -$23.8m
Q2 2023 = $75.9m
Difference = +$99.7m
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$HOOD Website Traffic Update: March 2024
Q1 shows insane growth, January was the highest quarter of the year, beating December (the last record TTM) by 6% MoM!
February broke that record by 13% MoM!
March broke that record by over 32% MoM!
79.43m visits just on desktop!
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Robinhood $HOOD just announced a $1 billion buyback...
They have so much cash (over $5b), this is a good way to reward shareholders!
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$SOFI 10Q is LIVE!
A lot to go over but so far very positive.
• Credit cards saw great improvements ✅
• Deposit to warehouse spread increasing ✅
• CET1 seeing first-ever improvement ✅
• Total loans sales over $400m ✅
• Negative revenue on Galileo's payment network? 🤨
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$SOFI 10Q IS OUT! This is not a drill!
Only a one-week delay
@anthonynoto
, not bad my friend!
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I AM ALREADY WORKING ON A Q2 VIDEO FOR $SOFI, SO EXCITING! THIS COMPANY IS AMAZING
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This is cool, but any company can do this with a large enough paycheck...
Not trying to take away from the hype, but understand how this deal gets done... NBA didn't do this because $SOFI offers the best products, they did it because they offered the NBA the largest deal. 💰💰
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I recently had a conversation with Gary Gordon, a Seeking Alpha writer who recently put a contrarian "Strong Sell" rating on $SOFI
Although we disagree on SoFi, this was a friendly conversation with investors from very different viewpoints.
Now, ENJOY🔥
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$SoFi has demonstrated great success in gaining market share vs megabanks in consumer banking.
I am confident
#SoFi
will be able to do the same when they enter SMB banking in 2024 (not official timeline).
TAM is growing, and SoFi is growing within it🔥
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@elonmusk
is looking to add fintech-style cash management accounts with payment features and debit cards.
Hopefully,
@anthonynoto
's Twitter background can get him a chance to pitch
@technisys_com
&
@GalileoFintech
's new digital banking solutions!
Twitter 🤝 $SOFI
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$SOFI
Stock-based compensation in absolute dollars is the lowest it has been in over 2 years. ($62m)
Stock-based compensation as a percentage of revenue is the lowest it's been in the company's public history. (11.26%)
It's still not the best, but it's on the right track.
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$SoFi got ranked a top 5 mortgage lender by CNBC Select for November 2022.
"Best for saving money" sounds like the most important category in my opinion🤷♂️
@SoFi
is really focused on creating Best-In-Breed products and it shows!
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I am thinking of adding $OPEN to the
#FintechFrenzy
lineup, this means that any new
@Opendoor
news will be covered live and earnings presentations will get focused deep dives. What do you think?
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$SOFI getting your money right! 💰
SoFi Checking and Savings members with direct deposit are now earning 4.50% APY on their savings balances. ⬆️
All checking balances are still earning 0.50% APY.
Open an account with us at . Terms apply.
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$SoFi Stock is constantly being looked at through a short-term lens.
In this thread, I want to change some minds with a slightly longer-term view of the company's performance.
Here is
#SoFi
's Year over Two Years of growth (2020-2022):📊
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I tried to make it as easy as possible to understand why so many are excited about PayPal $PYPL stock's potential in the stock market.
I have talked about the product before, so now we are going to look at the valuation. ENJOY!
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The Federal Reserve Large Commercial Banks Report for Q1 2024 is out.
$SOFI is now
#74
on the list showing $25.66b in consolidated assets.
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Earnings Whisper consensus has turned bullish on $SoFi
(Previously being on the bearish side of the consensus, Q2 expected -0.14 EPS vs -0.13 expected by WallStreet)
NOW for Q3, EW is expecting -0.06 EPS vs -0.10 EPS from WallStreet!
Also raising revenue from $330m to $389m!
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Just bought more $PYPL. This feels like $META on 10/22. Large over estimate of people thinking this is a dead brand, 435m customers say otherwise.
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I am working on a $SoFi video and when I post you will have to stop what you are doing and go watch!
#SoFi
is doing something so big and no one is talking about it!
This is not clickbait, this is not a drill! Can't wait for what you all have to say about this when you see it!
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$SOFI news isn't slowing down, they are developing and delivering on all fronts. Now we just need to see all this translate to new customers and profits.
I am hopeful, GO GALILEO 🔥
Introducing Galileo's Corporate Credit Solution for fintechs and non-financial brands, designed consolidate credit limits, provide better spend visibility and remove accounting complexities — all with enhanced security and control over expenses.
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$SoFi Weekly is going to start early! Really excited (early bank numbers are in) can't wait to share
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$SOFI is a small bank thriving in the face of mass financial sector panic. I cover what they are doing differently and how their business has been affected since the collapse of Silicon Valley Bank as well as CEO Anthony Noto's plans going forward.
ENJOY!
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$SOFI stock is a large position for both myself and Kuran from the "Fin Tek" YouTube channel.
We discussed why he's investing, what he likes most about
@SOFI
, why he's not a customer, and what it will take for him to sell his position.
ENJOY!
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SoFi just broke $10 a share! Who's buying and who's selling here?
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$SOFi is closing the brokerage gap and offering 1% matching for IRA contributions!
Another step towards
@SoFi
's goal of helping you get your money right!
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There is a lot going on behind the scenes at $SOFI Technologies. But not everyone gets to see the full picture!
Below is a list of
#SoFi
products that I think don't get nearly enough love: ⬇️
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$SOFI CFO "our current backend partner for our home loans is not living up to our expectations. So, we are looking to own the full end to end process when it comes to our home loans the same way we do for our student and personal loans"
Is this going to be built or acquired?
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It's really important if you invest in $SOFI that you truly understand it's business model. I broke the business down into every segment so you wouldn't have to.
ENJOY!
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This is the most excited I have been for a Livestream yet. $SOFI is poised to be one of the largest banks in America and they are beginning to take the next steps into a new phase of their business model.
This is a can't miss episode... 7:30 pm EST!
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