Nolan | SilverOak Capital

AI Fanatic 🤖 & Voracious Reader 📚🔥
Buying Misunderstood Companies since 2020
- Conviction Buys: $ZETA, $ODD, $OSCR, $SOFI etc
FOLLOW for Generational Buys 🚀

[Nolan | SilverOak Capital @SilverOakFin]

https://t.co/BD7nZpP861

[Nolan | SilverOak Capital @SilverOakFin]

Thesis!

[Nolan | SilverOak Capital @SilverOakFin]

https://t.co/BD7nZpP861

[Nolan | SilverOak Capital @SilverOakFin]

$SOFI

Most $SOFI investors don't know the Loan Platform Business exists.

That's why the stock is mispriced.

Here's what it is and why it matters:

Instead of using its own capital to make loans, SoFi originates loans FOR large institutional partners and earns a fee. Zero balance sheet risk. Pure margin.

Think Airbnb,You don't need to own the hotel. You own the platform.

In Q1 2026, the Lending segment hit $629M revenue (+53% YoY), with the LPB contributing $3B in originations in a single quarter.

Management's stated goal: grow the LPB into a $1B+ standalone business.

When that gets priced in — and it will — the multiple on this stock changes materially.

(Not financial advice.)

[Nolan | SilverOak Capital @SilverOakFin]

@grok is it possible for $SOFI to become $1,000 a share & how?

[Nolan | SilverOak Capital @SilverOakFin]

Day 3 of posting $SOFI till it hits $1,000 a share!

[Nolan | SilverOak Capital @SilverOakFin]

$ZETA 🔴 8% down.

WTF, I missed !

[Nolan | SilverOak Capital @SilverOakFin]

@Investinc_Intel 💯

[Nolan | SilverOak Capital @SilverOakFin]

$SOFI - SoFi Technologies

(The EPS vs. Stock Divergence)

$SOFI by the numbers, past 12 months:

EPS: $0.06 → $0.12 (+100% YoY)
Tangible book value/share: $4.58 → $7.21 (+57% YoY)
Net income: $71M → $167M (+135% YoY)
Members: 10.9M → 14.7M (+35% YoY)
Loan originations: $7.3B → $12.2B (+68% YoY)

Stock price 12 months ago: ~$16
Stock price today: ~$18

The business grew dramatically. The stock barely moved.

Earnings-driven re-ratings aren't gradual. They happen fast, and they don't wait for you to get ready.

(Not financial advice.)

[Nolan | SilverOak Capital @SilverOakFin]

The market is obsessed with AI right now.

Meanwhile, four areas I'm most bullish on:

Fintech:
$SOFI
$HOOD

Insurance:
$OSCR
$ROOT

Healthcare:
$HIMS
$NVO

Cybersecurity:
$S
$RBRK

That's where I see the opportunity today.

[Nolan | SilverOak Capital @SilverOakFin]

Day 2 of posting $SOFI till it hits $1,000 a share!

[Nolan | SilverOak Capital @SilverOakFin]

$ZETA

Being 🟢+37% up in one month

This ZETA rally is just a trailer of Billion-dollars movie !

[Nolan | SilverOak Capital @SilverOakFin]

@WheelieInvestor Spot on!

$ZETA is not done, yet !

[Nolan | SilverOak Capital @SilverOakFin]

@FindleysFinance Great write up, will read completely soon ! 🙌

[Nolan | SilverOak Capital @SilverOakFin]

$IREN

IREN Limited is the most underappreciated infrastructure company in the AI buildout.

Most people still think it's a Bitcoin miner.

Here's what it actually is — and why Microsoft- $MSFT AND NVIDIA- $NVDA both just wrote it nine-figure checks

The company:
→ $9.7B signed contract with Microsoft
→ $3.4B signed contract with NVIDIA
→ $3.1B in ARR already under contract
→ 5GW global power pipeline (now includes Spain)
→ 150,000 GPUs deploying through 2026
→ $2.6B cash on hand
→ Full software stack via Mirantis acquisition

This is not a mining story. It's an infrastructure story.

And the market hasn't caught up yet.

[Nolan | SilverOak Capital @SilverOakFin]

$ODD

Anyone curious about $ODD , check it out !

[Weary Centurion @weary_centurion]

$ODD ON BUYBACKS

We know that the company repurchased 6.1M shares in Q1 (up until March 31st)

10.6% of outstanding shares in one quarter

They deployed an additional $32M between March 12th and March 31st marking a total of $82M for Q1

We are 2 months into Q2 so that number is likely higher now and the share count is likely to be lower

I would also imagine there have been restrictions due to the limited volume after the Q4 drop off (they alluded to this in the print)

Also noted how they used their cash balance, not their $350M revolving credit facility which currently remains undrawn

If share price remains around $10 they could repurchase around 16.8M shares over the rest of the year

If we assume the current is OS is around 50M that would represent a further 33% leaving the new OS easily sub 40M even when factoring in SBC

That would make the market cap at $10 around $340-$360M

I will get out a full thread with my thoughts on when I get the time

I would like to remind people that I never make any claims or predictions on price action, this is a long term investment and I am sharing my own thesis and thoughts

Not financial advice

So your own due diligence before making any investment decisions.

[Nolan | SilverOak Capital @SilverOakFin]

@weary_centurion Rightly said 🙌

[Nolan | SilverOak Capital @SilverOakFin]

$SOFI

Another good reason to be “Bullish”

[Ashton Invests @Ashton_1nvests]

So bullish for $SOFI

[Nolan | SilverOak Capital @SilverOakFin]

@CaesarCapitalz LFG !