Gavin Davies

ex DJ and nightclub promoter (Bionic & more) now pub manager for Marstons. Cardiff City fan and father to Cameron.

[SoFi @SoFi]

Say “hi” to SoFiUSD (SoFiD) 👋

The first stablecoin issued by a U.S. national bank and redeemable 1:1 for cash or cash equivalents. Rolling out now, it’s built for how money moves today: fast, flexible, 24/7.

[SoFi @SoFi]

📣 We’ve had a remarkable start to 2026. We delivered a record $1.1 billion in adjusted net revenue in Q1 and added more products and members than any quarter in history as people choose $SOFI for major financial decisions and all the days in between.

Full results here: https://t.co/JmT0SRhoU3

[SoFi Investor Relations @SoFiIR]

We issued a response to an inaccurate short seller report. Read more here: https://t.co/ETDIS4tgAd

[Footy Accumulators @FootyAccums]

The FULL chaotic scenes at Ibrox after Celtic beat Rangers on pens.

Fans from both sides on the pitch! 😳😳😳

📹 @PremSportsTV

[Timothy Sweeney @Tim_Sweeney_TAR]

$sofi

Why not?

[Gavin Davies @SatNavGav]

@StagecoachWales could you let the driver know on the 12:41 from Newport bus station to Cwmbran (X24) that he’s supposed to stop just after the railway bridge please 🙋🏻‍♂️ rather than driving past shaking his head. How do I claim a taxi fare please? 🙏🏻

[Chris Hoeger @DataDInvesting]

$SOFI continues to innovate.

SoFiUSD is "a meaningful step forward in differentiation versus the landscape. For every SoFiUSD outstanding, we will have a dollar of cash into our Fed Master Account which means there is no credit, liquidity or duration risk, and we will share economics with partners for their marketing and distribution services.

SoFiUSD will be a game changer for our business as it enables us to be an infrastructure provider for banks, fintechs, and enterprise platforms, positioning us at the center of the crypto ecosystem."

We're grateful to partner with $MA to make this offering available across their global payments network.

[Mastercard @Mastercard]

More ways to move money, with the trust and scale businesses expect. Proud to partner with @SoFi to enable SoFiUSD settlement across our network and support always on commerce.

[Anthony Noto @anthonynoto]

Thrilled to partner with @mastercard to make it faster, cheaper, and safer for people around the world to move money.

@SoFi is the first U.S. nationally chartered and insured deposit bank to offer a stablecoin on a public, permissionless blockchain.

And now, with SoFiUSD as a settlement option in Mastercard’s network, issuers and acquirers will be able to help millions of business instantly settle transactions, around the world, 24/7. https://t.co/MpQcs6n6ex

[Steven Fiorillo @stevenfiorillo]

Hello @finance_intell and @turbotimo96

If you look at my history I have written 33 articles on Seeking Alpha about $SOFI and every single one has been bullish with the latest article published on 2/6/26 and the first article published on 8/22/21. I have been a $SOFI bull through the toughest times and when it wasn’t popular to be publicly bullish as shares retraced to under $5 in 2022. Just because I am pointing out that it looks as if SOFI is being valued as a traditional bank does not mean I am flip flopping on it. I have explained this point at length and what I believe SOFI needs to do to expand its multiple.

Banks are traditionaly valued differently than traditional equities because of capialzation and risk. The market traditionally values banks based on earnings and tangible book value because it strips away goodwill and other intangibles.

I created a table with 18 banks. In the table there is market cap, share price, tangible book value, 2026 expected eps from the analyst community, price to tangible book and forward P/E for valuation metrics.

SOFI currently trades at 29.53 times 2026 earnings and 2.65 times tangible book value. SOFI trades at the 2nd largest multiple on tangible book value and the peer group average is 1.93 times. SOFI trades at the largest multiple on earnings with the peer group average trading at 12.97 times. The next largest mutiple on earnings is 14.68 which is roughly half of the multiple SOFI is receiving.

Do I believe that SOFI deserves a larger multiple? Yes

Do I believe @anthonynoto and the team at SOFI are doing an incredible job? Yes

Do I believe SOFI’s best days are ahead of them? Yes

Do I believe the market is mispricing them? Yes

Based on what I am seeing it is my opinion that the market is classifying SOFI as a bank and valuing them as a bank. If that is true the market is rewarding them for that classification with a significantly larger P/E to account for the higher growth rate and a multiple on tangible book value that is at the higher end of the range.

What I believe the market is overlooking is the tech platform and that SOFI is a hybrid between a financial institution and a technology company. In my opinion for SOFI to receive a larger multiple and not trade as a traditional financial institution it needs to monetize its technology platform outside of the SOFI ecosystem. Once $SOFI wins some large scale RFPs and starts generating recurring revenue from powering their competitors that scales annually I believe the market will value SOFI much differently. This has been the key to my thesis about SOFI being looked at as a unicorn because it will then be reducing its costs by powering its own infrastructure but also cross-selling its platform to its competitors and generate recurring revenue from them.

In addition I believe the following aspects are critical for SOFI to gain a large amount of market share

Large scale business banking
Wealth management
Retirement plan administration

Before taking a shot at a SOFI Bull that has been here from the beginning do your due diligence.

@Futurenvesting @FunOfInvesting @Kross_Roads

[Cole | Altura Marketing @AlturaHQ_]

$SOFI at $19 is the most obvious play nobody wants to take because it’s “too boring.”

No hype. No memes. Just a profitable bank with a tech stack that’s adding 1M+ members a quarter.

Same people ignoring it now will be buying it at $40 talking about “I knew it all along.”

[Tevis @FunOfInvesting]

$SOFI CEO Anthony Noto calls out Wall Street Analysts' Hypocrisy👀

Many bearish analysts use one set of rules for companies they like and a completely different set for SoFi - ignoring growth rates and execution.

SoFi is going to fight back and call out this biased research 🔥

[Tannor Manson @Futurenvesting]

$SOFI won "Best Bank 2026" & "Best Personal Loan for Excellent Credit 2026" by Nerd Wallet.

Nerd Wallet has ~22m monthly visitors and their Best-Of Awards are their most followed annual award series.

This happened last month, but I still wanted to share.

[Anthony Noto @anthonynoto]

https://t.co/T0Q21Pow4N

[Ken & Megan @Kenmegan44]

$SOFI Anthony Noto talks to retail! Thank you sir @anthonynoto 🔥🔥💪

[SoFi @SoFi]

A great conversation with @AnthonyNoto, @FunOfInvesting, and @Futurenvesting on where SoFi has been and what's ahead.

Watch the full conversation and let us know what you think! 💭

[Winner Investor MD @WinnerInvestor]

BEST $SOFI interview ever💯

Excellent work by @anthonynoto @FunOfInvesting and @Futurenvesting

Also thank you @DataDInvesting

[Gavin Davies @SatNavGav]

@SoFi @DataDInvesting Tannor and Noto surely!!! 🤷🏻‍♂️👏🏻👏🏻👏🏻