$SOFI — FinTwit mentions on Surfaced

Last 12mo stats

610

mentions

36

voices

$SOFI

SoFi Technologies

$SOFI

SoFi Technologies

Past 12mo:610mentions36voices

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About this stock

$SOFI has been mentioned 610 times by 35 distinct FinTwit voices over the past 12 months, with @stocksavvyshay leading at 108 mentions, followed by @investmentguru_ at 100 mentions, and @landoinvests at 78 mentions. The most active voice category has been long research. First mention in the archive dates to August 24, 2025, with the most recent activity on July 17, 2026. The stock has maintained consistent discussion among the top five most-active voices, with @jasonl_capital contributing 44 mentions and @mrmikeinvesting adding 43 mentions.

AI-generated from tracked posts · updated Aug 23, 2026

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Recent calls

latest 100 of 115

@stocksavvyshayJul 5, 2026 · 3:37 PM

$SOFI took 11 years to reach its first 4M members and added nearly another 4M in the past year alone. Thats why the top 10 bank thesis still feels early since SoFi holds less than 15% of the deposit base of today's number 10 U.S. bank while building a one-stop financial platform with 30%+ member growth. The kicker is LPB (Loan Platform Business) which is the asset-light layer where SoFi earns a ~4.6% take rate on third-party originations with zero balance-sheet usage and zero credit risk. That creates a high margin, fee based lending revenue stream running at ~$12B annualized origination pace while SoFi still trades around 15x 2028 earnings.

@investmentguru_Jul 5, 2026 · 11:38 AM

$SOFI SoFi is a diversified digital bank spanning Lending, Technology Platform (Galileo), and Financial Services, and it’s not really the “safest” name in the market right now — it’s down roughly 30-40% YTD near $18, sitting well off its highs despite record Q1 revenue of $1.1B and a 134% jump in net income, because the market didn’t love flat full-year guidance and margin pressure from accelerated marketing spend. The stock trades around 25-40x forward earnings depending on the metric used, so it’s priced more like a growth story than a “safe bet,” and the real swing factors ahead are the Q2 earnings call on July 28 (watch whether full-year guidance gets raised) plus the fate of the CLARITY Act, SoFiUSD stablecoin adoption, and Composer/Coach product traction — any combination of a guidance raise and stablecoin momentum could push shares back toward the $27-ish consensus target, but until that plays out, this reads more as a high-conviction growth/turnaround bet than a defensive holding. Not financial advice.

@investmentguru_Jul 4, 2026 · 12:29 AM

$SOFI buying opportunity for LT

@muddywatersreJun 25, 2026 · 9:38 PM

@RoyeeRoyal2 I target stocks with bullshit accounting. That's $SOFI. If you can't see that, you're not sophisticated enough to be investing in it. But that's Noto's strategy - avoid institutions and sell-side who have tough questions and go to the people *he* sees as the suckers at the table. So look at NNOX - the hatred I got back for that short was just as heartfelt and offended as you are over SOFI. SOFI is a much more real business, but it's a different type of scam - much more highbrow.

@jasonl_capitalJun 24, 2026 · 1:27 PM

5. $SOFI - SoFi Technologies Q1 adjusted net revenue $1.1B (+41% YoY). Record 14.7M members growing 35% YoY. Record loan originations of $12.2B. 43% of members now use multiple products, up 7 points YoY. Building the all-in-one financial app for the next generation. https://t.co/0mbqBLWibF

@stocksavvyshayJun 23, 2026 · 12:09 PM

$SOFI launched Composer by SoFi which is an AI-powered investing platform for building, testing and automating investment strategies. The product adds AI-driven strategy creation and backtesting to SoFi’s growing self-directed investing and wealth platform. https://t.co/6Hylw1ywtq

@muddywatersreJun 17, 2026 · 1:40 PM

@EO_Farmer It's fun when retail comes up with conspiracy theories about large institutions helping shorts. Never mind JPM's balance sheet is 100x as large. Regardless, two things can be true: it might be a good product, but $SOFI has massively manipulated financials.

@aiinvestorhqJun 15, 2026 · 9:44 AM

“So you’re telling me you sold all of your $SOFI stock which was down 40% AND a taxable event and went all in $SPCX” “Yes Dave, that’s correct” https://t.co/iVuAIh2MRN

@landoinvestsJun 9, 2026 · 6:41 PM

@moninvestor Recently sold $SoFi for a small loss and rotated to IREN. Haven’t looked back since

@moninvestorJun 9, 2026 · 6:10 PM

Notice how strong $HIMS and $SOFI are right now. It's worth considering adding either one to your portfolio.

@jasonl_capitalJun 3, 2026 · 1:21 PM

6. $SOFI - SoFi Technologies Record $1.1B revenue, up 41% YoY. 14.7M members, added over 1M in a single quarter. Record $12.2B in loan originations. The bank charter is the moat - low-cost deposits fund loans at margins non-bank fintechs can't match. Net income doubled YoY.

@landoinvestsJun 2, 2026 · 1:43 PM

Exited $SOFI bought more $DRAM

@stocksavvyshayJun 2, 2026 · 1:25 PM

@PolymarketMoney $SOFI shouldn't be below $20

@muddywatersreMay 29, 2026 · 8:32 PM

@EO_Farmer So the update: $SOFI numbers are still fake; now it’s running the “distract with a shiny new crypto toy” play. Pretty much stock promotion 101.

@itschrisrayMay 29, 2026 · 3:12 PM

I think the final leg leading to some sort of “blow-off top” is all the laggards catching a bid. $PLTR, $SOFI, software, and others all seeing that now after trailing Semis, Memory, and Space all year. I still think this run continues just past the SpaceX IPO - then we see some sort of pullback mid summer before continuing higher. Not financial advice, just thinking out loud. 🤔

@landoinvestsMay 27, 2026 · 10:48 PM

@KobeissiLetter If I had to guess $SOFI will be a large beneficiary

@itschrisrayMay 27, 2026 · 7:38 PM

@bennybigbull I can’t see $SOFI falling more than a dollar or two here. Deserves to be much higher on all the deals they’re doing and tech coming out in 2H 2026. Return to ATHs is a double.

@stocksavvyshayMay 27, 2026 · 2:36 PM

$SOFI just launched SoFiUSD becoming the first national bank-issued stablecoin integrated directly into a U.S. banking app. SoFi turning its 15M-member app into a 24/7 blockchain payments layer with a roadmap toward tokenized deposits. https://t.co/JqHOIbAWVQ

@stocksavvyshayMay 20, 2026 · 8:01 PM

$SOFI just made its third acquisition this year by acquiring Peach which is a cloud-native lending technology platform used to launch & service lending programs. Peach supports $2B+ in active loans across 50+ lenders adding another backend layer to SoFi’s technology stack. https://t.co/c3Ly4BFhMe

@acinvestorblogMay 19, 2026 · 6:36 PM

$PSQH $SOFI Trump is expected to sign executive orders as soon as this afternoon that would direct banks to collect citizenship information on customers and encourage the Fed to expand access for fintech firms - Semafor via @TheTradeXchange

@jasonl_capitalMay 19, 2026 · 4:21 PM

You could buy 100 shares of $SOFI right now for ~$1,508 Or you could buy the $15 call LEAP expiring January 2028 for ~$550 Directional exposure to 100 shares. ~63% less capital. Over 612 days of runway. The trade: Strike: $15 Expiration: January 21, 2028 Premium: ~$5.50 per contract Breakeven: $20.50 If $SOFI hits $25, this LEAP returns ~82% If $SOFI hits $30, this LEAP returns ~173% If $SOFI hits $40, this LEAP returns ~355% Buying 100 shares at $15.04 and watching it hit $50 is a ~232% return. The LEAP returns ~536% on roughly a third of the capital. Why I like the setup: - Q1 2026 adjusted net revenue up 41% YoY to $1.09B - Adjusted EBITDA up 62% YoY to $340M with a 31% margin - Members up 35% YoY to 14.7M - Products up 39% YoY to 22.2M - Total loan originations hit a record $12.2B, up 68% YoY - Financial Services revenue up 41% YoY to $428.5M - Deposits grew $2.7B in the quarter to $40.2B - Management maintained 2026 guidance for ~$4.655B in adjusted net revenue, ~$1.6B in adjusted EBITDA, and ~$0.60 adjusted EPS The max you can lose on a LEAP is the entire premium you paid. In this case, that's ~$550 per contract. LEAPs are leveraged and can lose value quickly if the stock drops or stays flat. Only size this so you're comfortable losing all of it. Note: LEAPs are one tool inside a broader portfolio. Owning shares is always the primary use of capital. This is a selective add-on for high-conviction moments when conditions align. NFA DYOR

@stocksavvyshayMay 16, 2026 · 3:36 PM

WHY $SOFI IS A TOP 3 POSITION FOR ME The market is overpricing the credit fear and underpricing the platform optionality when it comes to SoFi which is why I think it's one of the weirdest setups in the market right now. The business is still executing very well but the stock is stuck in one of the worst sentiment buckets since the market clearly doesn't want exposure to credit-sensitive stocks in a higher-for-longer rate environment and SoFi still gets treated like a bank-like lender even though the business is becoming much broader than that. The Loan Platform Business (LPB) is more important than people realize since SoFi originated $3B of personal loans on behalf of third parties through LPB in the quarter and added another $3.6B of capital commitments from three new partners. That matters because it gives SoFi flexibility so they can choose which loans to keep on the balance sheet and which loans to push through partners for fee revenue without taking the same balance sheet risk (very different model than being a traditional lender that is stuck holding everything). This is also why the private credit fear looked less scary if you listened to the actual earnings call. One of the biggest bear arguments was that funding partners would pull back if credit conditions weakened but Noto said they're not seeing issues in performance or partner demand and LPB demand was actually above what they chose to fulfill. The member flywheel is still the main reason this is a top 3 position for me because this is a real moat the market is overlooking. SoFi added over 1M members in the quarter, ~45% of new products came from existing members and 50% of SoFi Plus sign-ups took another product. The more members they add, the more products they cross-sell, the more deposits they gather, the more revenue they generate per member and the more efficient the platform becomes (how SoFi becomes more valuable over time). SoFi Plus becoming a paid subscription is also great to see because recurring fee revenue on top of a growing user base can improve unit economics over time. The biggest thing I want to see next is the Tech Platform turning around which is obviously the weakest link. Technology Platform revenue fell 27% YoY to $75M, contribution profit fell 61% and total accounts declined because of the large client that transitioned off the platform. Management is rebranding it as SoFi Tech Solutions and breaking it into processing, banking core ledgers, payment hub, and risk and fraud. If that platform starts growing again then great but I view this more as a free call option on owning SoFi. I truly believe SoFi is a good business trapped in a bad sentiment bucket. The market is focused on rates, credit risk and the weak Technology Platform while I'm focused on members, deposits, cross-buy, loan platform flexibility, operating leverage and the long-term path toward becoming a top financial institution. It can absolutely trade lower if the market sells off or if credit fears come back but I think the business is much stronger than the stock action suggests and I have no problem keeping this a top 3 position for me.

@moninvestorMay 14, 2026 · 6:12 AM

$HIMS & $SOFI - I like both at current price. They're both really good setups with great numbers/business model behind them, both hated by parts of the market, both scaling fast, and both could look like obvious buys a year or two from now. HIMS at $24 is way more volatile, and honestly it's not a stock I'd want to just sit in and ride through the volatility. The setup is great with peptides, international expansion, Labs AI, and the whole front-door healthcare angle, but most of that is still in the future, so in the meantime the stock is going to get punished on every earnings. It's actually one of those rare names where the volatility itself is the play, meaning you trim when it rips and add when it dumps. But if you are a long-term holder and you can't handle watching it drop 20% on one quarter, it's probably not the right stock for you. SOFI at $15 is the easier one to actually hold. The numbers are already there, 41% revenue growth, 35% member growth, 39% product growth. Noto buying over million dollars worth of stocks into the weakness is the kind of thing that lets you actually sit through the dips, because the guy who knows the most is doing the same thing you're doing. This is the one I'd be more okay sizing up and holding through the volatility instead of trading around it. Not financial advice, just how I'd think about picking between the two.

@investmentguru_May 13, 2026 · 11:59 PM

$SOFI only CEO buying, no buyers yet , still holding my position and believe this is buying opportunity for long term IMO https://t.co/TfRPzAEuX6

@jasonl_capitalMay 13, 2026 · 11:57 AM

7. $SOFI - SoFi Technologies Q1 record revenue of $1.1B, up 43%. Added a record 1.05 million new members in a single quarter. Total members now 14.7M, up 35%. Total products 22.2M, up 39%. Net interest income hit $693M, up 39%. Fee-based revenue $386.8M, up 23%. SoFi has the bank charter, the tech platform, and the member growth. They're building the one-stop financial app that the next generation of investors actually wants to use.

@stocksavvyshayMay 11, 2026 · 5:07 PM

$SOFI is reportedly expanding into the U.K. by acquiring most of PrimaryBid which is a British fintech platform focused on retail investor access to IPOs. PrimaryBid previously raised $250M from backers including SoftBank and LSEG. https://t.co/IWFhStfInM

@jasonl_capitalMay 8, 2026 · 1:07 AM

1. Cash-Secured Put on $SOFI $SOFI at $15.93. Claude pulled the June 18 chain (42 DTE) and found: $14 put Delta: -0.19 IV: 52.7% Premium: ~$0.34 (mid) Open interest: 7,964 Theta: $0.90/day in my favor If assigned, cost basis: $13.66 (14.3% below current price) Premium collected: $34 per contract Capital required: $1,400 Annualized return: ~21.1%

@stocksavvyshayMay 4, 2026 · 1:36 PM

$SOFI may be preparing a consumer-facing AI product with a SoFi Principal Product Manager listing work on a “to-be-announced consumer-facing AI product.” This could turn SoFi into a more personalized financial assistant across banking, lending, investing, credit & insurance. https://t.co/aZuD2AQo2P

@investmentguru_May 3, 2026 · 10:42 PM

$SOFI SoFi has executed one of the most underappreciated transformations in fintech — evolving from a student loan refinancing niche into a fully licensed digital bank with a three-segment flywheel spanning lending, financial services, and a B2B technology platform through Galileo and Technisys. That technology platform alone — powering other fintechs and financial institutions at scale — is deeply undervalued relative to pure-play fintech infrastructure peers. Financially, SoFi has crossed into GAAP profitability, grown its member base past 10 million, scaled deposits significantly, and is expanding net interest margins in a rate environment that rewards disciplined banking operators. The student loan overhang that suppressed the stock for years has cleared. The regulatory moat of having an actual bank charter — something most neobank competitors lack — gives SoFi a funding cost advantage that compounds over time. The long-term investment story is straightforward: a digital bank with a fintech infrastructure layer, growing members, improving unit economics, and a management team that has consistently delivered against guidance. As the market assigns a proper multiple to the technology platform segment, the re-rating potential here is among the most compelling in fintech. This is a name to own through cycles, not trade around them.

@ckcapitalxxMay 1, 2026 · 12:45 PM

Added two new positions this morning. $ZETA and $SOFI. Both look incredibly cheap right now. $ZETA analyst updates: RBC: Raised PT → $29 Truist: Reiterated → $30 Needham: Reiterated → $25 Canaccord: Reiterated → $30 KeyBanc: Raised PT → $22 Morgan Stanley: Reiterated → $23 $SOFI analyst updates: Citizens: Upgraded to Outperform → $30 JPMorgan: PT → $31 Stephens: Overweight maintained → $25 BofA: PT → $18 Wells Fargo: PT → $18 Citigroup: PT high → $37 Average price target on $SOFI is $24.43 representing 57% upside from current levels. Average on $ZETA north of $26. Both stocks got punished on earnings reactions that did not match the underlying business quality. The analysts are not running. Neither am I. $ZETA $SOFI

@stocksavvyshayMay 1, 2026 · 12:28 PM

$SOFI CEO says the company posted a “very strong quarter” with 41% revenue growth (accelerating from Q4) driven by $690M in lending net interest income. The stock is down because SoFi beat Q1 but didn't raise the full-year guide with Noto saying the original outlook assumed two rate cuts and now “we don’t expect any rate cuts this year” while still maintaining the same guidance.

@ckcapitalxxApr 29, 2026 · 4:41 PM

$SOFI just beat revenue by 4.7% and grew 41% year over year. The stock is down over 12%. Welcome to SoFi earnings season. Record $1.1 billion in quarterly revenue. Record 14.7 million members up 35%. Record $12.2 billion in loan originations. Adjusted EBITDA up 62% to $340 million at a 31% margin. By almost every measure this was a great quarter. The market sold it anyway because guidance came in basically in line and the Galileo tech platform revenue fell 27% after losing Chime as a customer. That Galileo number is worth watching. It is the highest margin part of the business and losing Chime was a real hit. That needs to be replaced. But at $15 to $16 this stock looks interesting. The core banking and lending business is genuinely compounding. 43% of new products are coming from existing members. That is a cross-sell machine starting to work at scale. The full year guidance of $4.655 billion in revenue represents 30% growth. At $15 you are paying a very reasonable multiple for a company growing 30 to 40% with expanding EBITDA margins. The 12 month average analyst price target is $23.48. This is the same pattern SoFi has repeated multiple times. Beat. Get sold off anyway. Grind higher over the following months. The business keeps compounding while the stock gets punished for not raising guidance enough to excite a market that wants perfection. At $15 the risk reward looks good.

@stocksavvyshayApr 29, 2026 · 1:56 PM

$SOFI member growth has now reached 14.7M with management guiding for at least 30% CAGR through 2028. The company is positioning itself as the digital on-ramp where banking, investing and digital assets converge. https://t.co/HznEAK8cHA

@investmentguru_Apr 29, 2026 · 11:16 AM

$SOFI EARNINGS Revenue $1.09B vs Est. $1.05B EPS $0.12 vs Est. $0.12 EBITDA $340M vs Est. $309M Loan originations: $12.2B (+68% YoY) New Members: 14.7M (+35% YoY) FY26 Guidance Revenue $4.66B vs Est. $4.65B EPS $0.60 vs Est. $0.59 EBITDA $1.6B vs Est. $1.6B Net Income $825M vs Est. $810M

@landoinvestsApr 23, 2026 · 1:45 PM

Finally got my 200 shares of $SOFI, man does this feel good $HOOD next? https://t.co/KbGD75A1VQ

@stocksavvyshayApr 22, 2026 · 1:14 PM

$SOFI is expanding its home lending platform with a fully digital HELOC offering and a new real estate agent network. The move deepens SoFi’s push into end-to-end home lending across mortgages, refinancing, jumbo, FHA, VA and home equity products. https://t.co/JPgiHK8s2u

@jasonl_capitalApr 17, 2026 · 3:38 PM

5 reasons I may sell puts instead of buying shares outright: 1. You get paid upfront. Win or lose on direction, the premium hits your account the second the order fills. Try getting that from a limit buy order. 2. Wrong on timing? You still win. Stock goes sideways for a month and your put expires worthless. You keep everything. A share buyer made zero. 3. Assignment means a built-in discount. If $SOFI drops to $16 and I sold the $17 put for $0.66, my real cost basis is $16.34. I wanted the stock anyway. Now I own it cheaper. 4. It forces discipline. You have to pick your price before the trade, not after. No chasing. No "I'll figure out my exit later." 5. Capital efficiency. I can sell a $17 put on $SOFI for $66 in premium with $1,700 in collateral. Same stock, fraction of the capital commitment, defined risk from day one. Buying shares isn't wrong. But selling puts gives you more ways to win.

@aiinvestorhqApr 13, 2026 · 7:57 PM

$SOFI investors when they’re up 5% this week (They’re up 4% over 5 years) https://t.co/ykTTKhRapo

@stocksavvyshayApr 13, 2026 · 1:08 PM

$SOFI is enabling 24/7 instant payments through FedNow via Galileo allowing users to both send and receive money in seconds. Most banks only support incoming instant payments but SoFi is offering both sides. https://t.co/TXA2vju6Gx

@landoinvestsApr 13, 2026 · 12:51 PM

@InvestingAddict I mean you could say this about every stock ever, and while I agree the amount of growth $sofi had expetienced the past 3 years is pretty remarkable. That being said, you’re right. But $15-17 is still an amazing entry IMO

@landoinvestsApr 9, 2026 · 2:07 PM

@bonnmarqqx From personal use and experience, it’s the best bank I’ve ever used. I love the interface, vault (savings) system, and every transaction is trackable across multiple UIs. Relay is a very cool and unique feature as well, helps track spending, Net Worth, car/home tracking, very competitive savings rates, and a lot more features. I love relay, savings, and checking system + the integration between everything in the bank system. It’s very easy/simple to use, and most importantly it’s fast. Not to mention you get paid two days early (I like). Robinhood is the superior brokerage though IMO. They’re very hard to beat, I have nothing bad to say about $SOFI banking

@landoinvestsApr 6, 2026 · 1:54 PM

@Futurenvesting I think $SoFi will only continue to increase, we’re at the inflection

@muddywatersreApr 2, 2026 · 11:11 PM

@WinnerInvestor @marketswithmay My people, in that interview, I was referring to other transactions (loan pools that had been securitized). Our position was and remains that $SOFI a) improperly booked the $312 mm borrowing as a loan receivable sale b) to support manipulated whole loan sales c) that support unwarranted FV gains. SOFI is involved in multiple loan transactions and two things can be true: ABS market documentation practices are loose and SOFI improperly accounted for the transaction.

@stocksavvyshayApr 2, 2026 · 12:20 PM

@JRupena Crypto institutionalization a major tailwind for $SOFI

@landoinvestsApr 1, 2026 · 12:20 PM

$SOFI earnings call April 29 for Q1 2026 Be ready for a blow out 👀

@investmentguru_Mar 30, 2026 · 5:16 PM

SpaceX reportedly considers cutting $HOOD and $SOFI out of IPO plans

@stocksavvyshayMar 30, 2026 · 2:20 PM

Muddy Waters again raised concerns on $SOFI alleging the company booked a $312M $JPM loan as a sale instead of debt. The firm argues this could require a broader restatement, potentially affecting ~$1B of previously reported EBITDA and pushing capital ratios materially lower. https://t.co/WmAOvOLviM

@muddywatersreMar 30, 2026 · 2:13 PM

~$1B in reported EBITDA traces back to one $312M transaction. If it’s a borrowing — as the UCC documents say it is — $SOFI should restate and claw back management bonuses https://t.co/YMW3tMWiei

@investmentguru_Mar 29, 2026 · 3:34 PM

$SOFI just delivered its first $1B quarter with record metrics across every major KPI — members, products, revenue, EBITDA, and GAAP net income. The pivot to fee-based, capital-light revenue is real. But the stock has been crushed ~40% from highs on dilution fears, short-seller pressure, and macro headwinds. For patient holders, the setup is asymmetric — if the 30% revenue CAGR through 2028 holds, current levels look very cheap. Next earnings: April 28, 2026. Not financial advice. DYOR.

@stocksavvyshayMar 26, 2026 · 5:53 PM

$SOFI expanded its Loan Platform Business with three new agreements totaling more than $3.6B in expected personal loan funding. The bigger takeaway is that SoFi keeps scaling a more capital-light fee business by matching borrower demand with institutional capital. https://t.co/W8NcHIi8Lu

@bmsinvestsMar 26, 2026 · 5:18 PM

$SOFI SoFi Expands Loan Platform Business with Multiple New Agreements Totaling Over $3.6 Billion https://t.co/0pD8sSJF0m

@muddywatersreMar 21, 2026 · 2:31 PM

Noto bought $500K of $SOFI the day of our report. He’s already extracted $46.5M through instruments identical to stock sales. That’s ~1% of what he’s taken off the table. 11 questions, 0 answers: https://t.co/UQDqSTRPzT

@acinvestorblogMar 20, 2026 · 3:19 PM

$SOFI holding up nicely in a red market... the "short report" should have marked the short-term bottom , jmho 👇 another interesting unusual bullish option flow https://t.co/1DILaX8RT5

@stocksavvyshayMar 20, 2026 · 2:47 PM

Dear S&P 500 Committee, You added $SMCI at the top and then watched it lose ~80% (allegedly with a little help from a hair dryer). You have the chance to swap that out for $SOFI which has a banking license, 13.7M members and is guiding for at least 30% CAGR through 2028 (all without ever needing heat tools to pass an audit). We think you know what to do.

@jasonl_capitalMar 20, 2026 · 12:02 AM

You could buy 100 shares of $SOFI right now for $1,715. Or you could buy the $20 call LEAP expiring January 2028 for $560. Same 100 shares of exposure. A fraction of the capital. Nearly two years of runway. The trade: Strike: $20 Expiration: January 21, 2028 Premium: ~$5.60 per contract Breakeven: $25.60 If $SOFI hits $35, this LEAP returns ~168% If $SOFI hits $40, this LEAP returns ~257% If $SOFI hits $50, this LEAP returns ~435% Buying 100 shares at $17.15 and watching it hit $50 is a 191% return. The LEAP more than doubles that. Why I like the setup: - $1B+ quarterly revenue - CEO bought $1M in stock on the open market - Banking, lending, investing, and crypto all under one roof - Stock is down significantly from highs - 672 days to expiration gives the thesis time to play out The most I can lose is the $560 premium. The upside is multiples of that. That's the power of LEAPs. NFA DYOR

@muddywatersreMar 18, 2026 · 1:25 AM

$SOFI “intends to explore potential legal action against Muddy Waters”… https://t.co/t0b9GaWDt3

@landoinvestsMar 17, 2026 · 11:29 PM

$SOFI DOES IT GET MUCH BETTER THAN THIS??? > CEO Anthony Noto INSIDER BUY today > SOFI taking LEGAL ACTION against @muddywatersre > MAJOR retail buys across the board You can almost smell the bottom 👀 https://t.co/0dNYwOUs3u

@stocksavvyshayMar 17, 2026 · 11:09 PM

Thank you Muddy Waters for the opportunity to enter these $SOFI 2028 leaps today. https://t.co/McUf5edm5R

@moninvestorMar 17, 2026 · 8:35 PM

$SOFI Guess who bought the dip! Anthony Noto / $500,000 worth. https://t.co/ipVeKdRw1E

@yasutaketinMar 17, 2026 · 7:49 PM

マディ・ウォーターズがショートポジションを公開し、会計と貸借対照表の透明性に懸念を表明したことを受け、 $SOFI は6%下落しました。同社は、強引な評価、簿外構造、希薄化、および少なくとも3億1,200万ドルの未記録債務を主張しています。

@midascabalMar 17, 2026 · 6:42 PM

$SOFI IS THE WORST STOCK No one uses $SOFI It’s going to 0 https://t.co/jRLiAsz62g

@muddywatersreMar 17, 2026 · 6:03 PM

After adjusting for what we view as inflated marks, off-balance-sheet borrowings, and capitalized expenses, we reduce $SOFI's 2025 Adjusted EBITDA by ~90%—from $1,054M to $103M. Management gets paid for diluting you. https://t.co/Jzm98lXWlf

@wliangMar 16, 2026 · 11:52 PM

The https://t.co/ihHRGnddfF BDs caught an entry for $SOFI at $11 and PDs nailed the exit at $29. Safest entry here is to wait for the next Weekly BD to pop up again. https://t.co/cWzRJgaN6k

@midascabalMar 16, 2026 · 6:34 PM

$SOFI IS COOKED https://t.co/nyE3JvzXOr

@investmentguru_Mar 16, 2026 · 1:14 AM

$SOFI At ~$17.67, you’re getting: ∙A 46% YoY originations growth company ∙A bank-chartered fintech with $37B+ in low-cost deposits ∙30%+ revenue CAGR guidance through 2028 ∙A PEG ratio under 1 ∙CEO buying stock at these prices ∙~50% upside to consensus, ~115% to bull case The risk/reward math looks compelling if you have a 2–3 year horizon and can tolerate high volatility. The key risks are macro credit deterioration, tech platform growth disappointment, and broad risk-off selloffs amplified by SOFI’s high beta. Please do your own due diligence and This is not financial advice.

@jasonl_capitalMar 7, 2026 · 1:59 PM

The three stocks most likely to 3x in 3 years, according to everyone who responded in the comments: 1. $ONDS 2. $SOFI 3. $ZETA I think I might have to agree with the sentiment.

@landoinvestsMar 3, 2026 · 12:36 PM

I love Noto and $SOFI so much why a statement!! The partnership with Mastercard is ELITE as well

@stocksavvyshayMar 3, 2026 · 12:33 PM

$SOFI is rolling out SoFiUSD for settlement across $MA network with Galileo giving clients access to stablecoin rails via Mastercard’s Multi-Token Network. The goal is 24/7 remittance and B2B settlement as global stablecoin volume now exceeds $30B per day. https://t.co/J3vArLocDY

@mrmikeinvestingMar 2, 2026 · 11:47 PM

$SOFI continues to trade at the same share price as 5 years ago… However its fundamentals have drastically changed: ~ Gross profits have increased 511%+ ($360M to $2.2B) ~ Total member rates have grown from 1.9M to 13.7M Insiders have noted the opportunity in $SOFI. Just today the CEO purchased $1M worth of shares. This opportunity cannot be more obvious…

@landoinvestsMar 2, 2026 · 9:18 PM

$SOFI I LOVE ANTHONY NOTO INSIDER BUYS OF $1M Long SoFi, MY bank 💙

@stocksavvyshayMar 2, 2026 · 9:04 PM

$SOFI CEO Anthony Noto purchased 56,000 shares at $17.88. This comes as SoFi just posted its largest quarterly member growth ever with 1M new members in Q4 and continues positioning itself as the full digital on-ramp where banking, investing & digital assets converge. https://t.co/Pl8BZt58wu

@bmsinvestsMar 2, 2026 · 8:44 PM

$SOFI 🚨🐂 @SoFi CEO @anthonynoto backed up his recent comments and bought ~$1,000,000 worth of stock today! Noto bought 56,000 shares at avg $17.8842 and now holds ~11.675M shares. CEO loading up = strong confidence signal! https://t.co/naziAo7Q82

@acinvestorblogMar 2, 2026 · 8:42 PM

$SOFI Insider buying - CEO purchased 56000 shares at $17.88 https://t.co/vHLZkMdaa0

@aleabitoredditFeb 28, 2026 · 3:40 PM

@LandoInvests No. Point was that it's not a good idea to sell high-beta like $RDDT or $SOFI after dropping 30-40% to reposition into crowded plays like defense/oil that have already been frontrun and are ATHs. For me personally with my oil/defense hedges, I'm looking for any major retail selloff to net reposition long in a lot of these names. I was just thinking institutions might do the same.

@investmentguru_Feb 27, 2026 · 4:16 PM

$SOFI buying opportunity IMO ,

@landoinvestsFeb 26, 2026 · 8:02 PM

@jiahanjimliu I think $sofi might be a good add, it's not SaaS even tho it is thrown into it. Lots of growth to come and Noto is an exceptional leader/CEO. I've got a good position in my Roth and will be adding more once I start to prioritize that!

@mrmikeinvestingFeb 26, 2026 · 4:16 AM

$SOFI is trading at the same share price as 5 years ago; meanwhile: ~ Gross profits have increased 511% ($360M to now $2.2B). ~ Total member rates have grown from 1.9M to 13.7M. Despite this growth, $SOFI actively trades 30% below average targets. Some opportunities cannot be more clear…

@stocksavvyshayFeb 23, 2026 · 10:45 PM

Friendly reminder that just weeks ago $SOFI posted its largest quarterly member growth ever by adding 1M members in a single quarter. What’s even crazier is that Noto and team have grown the member base at ~50% CAGR over the past five years. https://t.co/Wrw16sWZLe

@investmentguru_Feb 18, 2026 · 1:39 PM

$SOFI great long term buying opportunity here IMO

@landoinvestsFeb 12, 2026 · 4:49 PM

@Leo_Traydes This one hurts cuz I’m $sofi 😂

@jasonl_capitalFeb 8, 2026 · 8:30 PM

@Ashton_1nvests I do like $SOFI at these levels.

@landoinvestsFeb 3, 2026 · 3:42 AM

If you’re considering an investment in $SOFI I’d highly recommend reading Cole’s post Great stuff as always, the market isn’t ready for what $SOFI will bring in the coming decade Needless to say I’m bullish

@stocksavvyshayJan 31, 2026 · 4:38 PM

@MarekZee Hard not to see $SOFI being $50+ by 2027

@landoinvestsJan 31, 2026 · 2:45 AM

I'm just now having the time to look at $SOFI's earnings, and I mean wow. Just wow. This is so criminally undervalued. > First $1B quarter (1.03B) > First time with 1M members added in a quarter > 13.7M Members, +35% YoY > CEO Anthony Noto says "We're going to drive durable compounding growth for years to come. Very much like Amazon was for shopping online." I cannot tell you how bullish this is. He is literally comparing SoFi to Amazon. SoFi is also currently trading at July levels before Q3 and Q4 earnings of 2025. BULLISH

@landoinvestsJan 30, 2026 · 1:40 PM

I’m so glad I have $SOFI in my Roth https://t.co/8PAH5z5X1i

@stocksavvyshayJan 30, 2026 · 1:35 PM

Fee-based revenue is now a record 43% of $SOFI total sales. That means growth is coming more from users doing more inside the platform rather than just lending more capital. This is also why margins improve and why the multiple can expand as the biz looks less like a lender and more like a financial platform.

@kaizen_investorJan 30, 2026 · 12:09 PM

$SOFI just reported a strong double beat, the stock is currently up 4% thanks to the first +$1 billion quarter🟢 SoFi’s Q4 2025 results mark a historic pivot from a simple lender to a high-margin financial powerhouse. For the first time, quarterly revenue topped $1 billion, fueled by a record 1 million new members joining the platform. This wasn't just a win for the top line, SoFi delivered its ninth straight profitable quarter, proving its model is both stable and scalable. The real story lies in the shift toward capital-light revenue. Fee-based income surged over 50%, reducing SoFi's reliance on holding risky loans on its own books. Meanwhile, the tech segment showed improved efficiency despite losing a large client. With new blockchain-based payment tools and bold 2026 growth targets, SoFi is positioning itself as the primary digital utility for the modern bank.

@investmentguru_Jan 30, 2026 · 12:09 PM

$SOFI SoFi Technologies Q4 2025 report: EPS Expectation $0.12 EPS Actual 🟢$0.13 Revenue Expectation $977M Revenue Actual 🟢$1.013B

@amitisinvestingJan 30, 2026 · 12:08 PM

$SOFI SOFI Q4 2025 EARNINGS: - $1.03B Revenue, beat vs $982M est - $0.13 EPS, beat vs $0.12 est - Adj. EBITDA $318M, +60% YoY - 13.7M Members, +35% YoY - $10.5B Total Originations, +46% YoY - $7.5B Personal Loan Originations, +43% YoY First time ever crossing $1B quarterly revenue & first time with over 1M members added in a single quarter.

@dustinhuntwnJan 30, 2026 · 3:42 AM

$SOFI Sarge led The StreetPro 3 yrs running: AMD in 2023, PLTR in 2024 & PLTR in 2025, so he picks SOFI for 2026 i keep hearing many analysts say that SoFi is overvalued. i calculate that their forward P/E is 31.25 using $25 and $.80/share. And they grow their EPS by 90%-125%/ yr, grow revenues about 30%-35%/yr. and EBITDA growing very fast. Compare SoFi to nuke stocks with rev. 5+ yrs away, Space stocks making peanuts so far/ losing $, quantum computing stocks not named IBM are also many yrs. away from having significant revenues. i've made $ on Space stocks via swingtrading, not LT investing. Jmho NFA https://t.co/NZnFXyqxEL

@landoinvestsJan 28, 2026 · 5:15 PM

The switch up from Wheelie is crazy $SOFI will blow everything out of the water https://t.co/qTd7hgCS1n

@investmentguru_Jan 28, 2026 · 2:09 AM

$SOFI earnings coming https://t.co/bLiI1VkUBf

@landoinvestsJan 22, 2026 · 5:14 PM

@SoFi partnered with Turbotax and it's now available in SoFi Plus, 20% off premium services as well! I'll definitely be checking this out thanks SoFi team! $SoFi https://t.co/MUHJ96IcS9

@amitisinvestingJan 11, 2026 · 12:14 AM

@anthonynoto Great response. I think this headline will be a nothing burger and if anything good for $SOFI.

@itschrisrayJan 8, 2026 · 5:53 PM

$SOFI heard I was thinking about selling 😂 https://t.co/Qvcky4xfVQ

@bmsinvestsJan 6, 2026 · 6:38 PM

I’m glad I got out of $SOFI middle of last year and loaded into $ONDS. It’s a great company, and it’s still up 75% in the last year, but the stock just doesn’t seem to catch a break. Long-term investors won’t, and shouldn’t, care about these moves - but they can be frustrating.

@itschrisrayJan 6, 2026 · 3:31 PM

Ngl, $SOFI has been pretty disappointing recently. It’s the KING of fully giving back all gains it experiences. 😂 Hoping an acquisition announcement + being added to the S&P 500 turns this thing around. https://t.co/pAevVc3VPX

@alfchartsJan 5, 2026 · 9:00 PM

$SOFI looks like it’s setting up for another ripper. https://t.co/8m13zAqecU

@stocksavvyshayJan 1, 2026 · 6:39 PM

I wouldn’t be surprised if $ASTS or $SOFI snuck their way into my top 5 by the next annual portfolio update

@investmentguru_Dec 25, 2025 · 3:53 PM

$SOFI — Fintech with Real Revenue & Innovative Expansion $SOFI is no longer just a growth story — it’s becoming a profit engine with new expansions that could drive 2026 upside. Profitability & Momentum: SoFi delivered consistent GAAP profitability, with net income and EPS accelerating — a big shift for a fintech once viewed as purely growth‑at‑all‑costs. Stablecoin & Crypto Infrastructure: Launching SoFiUSD, its own regulated stablecoin, positions SoFi at the forefront of regulated digital finance — a potential new fee revenue stream in 2026. Blockchain & Remittances: Advancing blockchain‑based payment rails for real‑time global transfers could broaden SoFi’s fintech ecosystem and stickiness. SoFi is blending traditional banking, fintech innovation, and new digital assets, creating multiple tailwinds for 2026 growth. Not a financial advice

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