$SOFI Management has done an amazing job growing the business in a environment that favored bankruptcy. The past few administrations have been unbelievably destructive. Starting with an unreasonably long process to obtain the bank charter, then having the crypto business killed only to be allowed to bring it back, covid policy with helicopter money and zero interest rates, the absolute destruction of the student loan business(massive debt forgiveness) , followed with sticky inflation (caused by government spending) war and high rates. I've begun to realize the headwinds will never stop. Our government is against the prosperity of its people and will remain destructive. They will continue to take bribes, go on extended vacation, read bills only after they pass, vote the opposite of their campaign promises, trade stocks with insider knowledge, and enrich themselves. There will be an inflection point where SOFI will be large enough that they will prosper in any conditions. To some degree they already are. I no longer hope things will change to benefit SOFI. I hope that SOFI can continue to push harder, go faster, and win anyway. I believe in Noto.

$SOFI A return to EPS expansion, from their current three Qs of EPS stagnation. Q4'23 - Q2'24 EPS was flat & price didn't move. Suddenly EPS 5x Q/Q & the market granted them a fair multiple lol. Aided by rate cuts then, granted, but I'd wager we see a similar response by EOY.

$SOFI is the simplest 5x out there today. - SoFi Plus - Crypto & Invest - LBP - EPS story With Forward PE under 30, and revenue growth over 30%, its basic math. Chart by @stock_analysisx

It used to be bank charter. Wait till they get the bank charter. Then it was student loan moratorium. Wait till people have to refinance again. Then it was GAAP profitability. Just wait till they make $$. Then it was a top 5 client. Wait till they land a client. Then it was rate cuts. Wait till we get rate cuts. Then it was dilution. Wait till they announce why they raise. Then it was Noto PSU’s. No way he’s leaving all that $ on the table. Then it’s a macro issue. Priced in rate cuts, now we have hikes. The moral of the story? It’s always something and NOBODY KNOWS SHIT LOL 😂 Isn’t investing fun?? 🤩

With everything SoFi offers, I honestly don’t understand why more people aren’t talking about it. Has anyone here actually checked out everything they offer? Banking, savings, investing, loans, credit cards and more. I just opened mine and figured I’d share my referral link in case anyone wants to check it out. You can get up to $475 in cash bonuses with SoFi, depending on eligibility and direct deposit. I get a referral bonus too, so it’s a win-win. @SoFi

Opened up a $SoFi savings account. Gonna start transferring my leftover travel and per diem money every month. Great interest rate, great company. Done with having my money in Chase.

If you bought puts on $SOFI overbetting this pullback, you're going to be bleeding profits every day it holds this floor. Covered calls sold <$19 are at serious risk of assignment over the next few months. Every time the market accumulates non-margin shares, the floor gets raised and the float gets stickier as long-term holders lock in. IYKYK This is the dip to buy direct shares, keep it right sized to your risk tolerance to hold through volatility and with longterm positioning in mind. 🫡 You missed $15 3x this year, the market is raising the floor. If you bought $15 and sold $19 hoping for $16, the longterm bulls aren't selling at that level. Macro FUD is overdone, Interest rate fears = overdone, Oil? WTF DOES OIL HAVE TO DO WITH SOFI. Anyways rant over, I'll be quiet on it, good luck out there. PS: Stay out of too much margin, you're just waiting to be a seller with margin, the market will make the choice for you if you don't time it well.

Greetings fellow Nerds & Nerdettes. I'm getting married this weekend. How do I know she’s the one? Besides all the other stuff? She doesn’t get annoyed when I say things like “greetings fellow nerds & nerdettes.” Time for me to unplug. See ya next week! 🙂👍

SoFi just put its $25B annual card volume onchain "Mastercard and SoFi team on stablecoin settlement to cards. This might just sound like another stablecoin story, and it is a story that you're going to hear a lot more stories similar to it in the future, but this is huge." "SoFi has begun settling debit and credit card transactions across Mastercard's network using SoFi USD, which is their stablecoin. They are migrating their entire credit card program, which is expected to process more than $25 billion in annualized volume." "This is live blockchain settlement, not a pilot. This is not a future announcement. This is now happening, at this moment."

$sofi They have an exclusive deal with MasterCard to use sofi usd (as well as others) for settlement. The potential partnership with Visa who uses OpenUSD through Coinbase and Circle stablecoins which are already embedded not only with Visa but in Latin America. That's the Trojan Horse concept again. The partnership with visa isn't using sofi as primary settlement but they are discussions regarding setting up Galileo architecture so Sofi usd works seemlesy with the existing primary stablecoins used by Visa with over $20 billion of transactions. That's a sneaky way of having consistent architecture leading to further adoption of Sofi USD by visa not through visa direct demand but by visa partner retailers demand which will occur as a result of their use of Sofi USD with Mastercard. As explained by grok 85% accurately Anthony Noto’s discussions with Visa focus on backend software integration and network interoperability rather than pushing Visa to adopt SoFi USD as a primary settlement asset. While Mastercard remains the exclusive live settlement partner for SoFi USD, SoFi is actively negotiating with Visa to ensure its B2B banking software arm, Galileo, can seamlessly issue stablecoins across both major credit networks. Additionally, the partnership talks aim to bridge the gap between competing ecosystems through the industry's broader Open USD (OUSD) initiative. By collaborating with Visa on shared technological standards, SoFi ensures that its bank-grade token can interact with Visa’s infrastructure, allowing merchants on both networks to process transactions without friction. Crucially, Visa’s hesitation to natively adopt SoFi USD stems from its existing multi-billion dollar allegiance to alternative digital currencies. Visa has built its entire $20 billion stablecoin settlement engine around non-bank stablecoins, heavily relying on Coinbase and Circle's USD Coin (USDC) over high-speed networks like Solana. Because Visa has already anchored its institutional validation and 160+ card programs to the deep liquidity of Circle's ecosystem, Noto's forward-looking Visa discussions focus on establishing bridge protocols that allow bank-issued tokens like SoFi USD to peacefully co-exist and trade with Coinbase and Circle's dominant market assets.

$sofi It amazes me how many sofi shareholders claim they are investors for 5 years but as soon as any macro event drops the stock price... they complain that the company doesn't know what they are doing, as if these people had any idea how to run any business. This relates primarily in my mind to a person who is over invested and needs an immediate return. Sure its disappointing when the stock price stays in a range for months, while simultaneously making significant progress. But that's what investments do in growth companies. I told you in March that the stock would be stuck in a $16-$19 range so stop whining about dilution etc because it shows you have no real business experience. Macro is macro. If you have a legitimate issue that's different. I think they need to work harder on credit cards or they should take advantage more with the LPB in other loan products or they should be quicker to add custodial accounts or they need better tech marketing But the dilution argument is just stupid. Tbv is substantial higher and they needed capital to grow business etc Which I've explained 100x. I'm blocking everyone who even mentions dilution unless it's in the context of reducing share based compensation or buying shares back to offset SBC dilution

.@SoFi bets $25 billion on putting stablecoins behind the card swipe. @Mastercard and @SoFiTechSol are now using stablecoin settlement across SoFi Bank, N.A.’s debit and credit card program, with SoFi Bank migrating its entire $25 billion card program to stablecoin settlement of transactions. Full story on PYMNTS:

$SOFI I am very happy that SOFI has an extremely positive company culture. I believe joy brings out the best in people. I do have one exception. I hope whoever is in charge of sales for the tech platform and stablecoin business has an extremely stressful job with mandatory sales goals that absolutely cannot be missed, with the trade off of being extremely well compensated for performance. You either get fired or become a multi millionaire very quickly.

Kudos @anthonynoto! Buried inside @SoFi 's own press release on the Mastercard stablecoin launch is a bigger reveal than the launch itself. @marketswithmay @Tim_Sweeney_TAR @Futurenvesting @DataDInvesting