Donatas Macinskas 🇱🇹🇺🇦

Turning complex finance into simple steps | Family, investing, and building for the future

[Donatas Macinskas 🇱🇹🇺🇦 @Soberdr]

But the most interesting part for me is was this -

J.P.Morgan thinks that SOFI will ultimately be a winner in the neo/digital bank space and could eventually become the "America Express" of fintech!

[Donatas Macinskas 🇱🇹🇺🇦 @Soberdr]

@Flobert77324715 @anthonynoto

[EO_Farmer @EO_Farmer]

In the next few years @SoFiStadium will host the Super Bowl, World Cup, and Olympics!

Brand awareness 🐎🚀
Institutional ownership 🚀🚀
Memember growth 🦫🚀
📈📈 ?? 🤷🏼‍♂️

[Donatas Macinskas 🇱🇹🇺🇦 @Soberdr]

@EO_Farmer It's a gem, rarely hear such a full body stuff.

[Donatas Macinskas 🇱🇹🇺🇦 @Soberdr]

Must-watch for every $SOFI investor and every finance investor. No empty words, just pure explanations and insights into how they think.

Also covers several new business lines with dates.

[amit @amitisinvesting]

The Anthony Noto Episode:

https://t.co/Dq2ogWdfcC

[Donatas Macinskas 🇱🇹🇺🇦 @Soberdr]

@Atacama9000 @Revolut Yes, also, SOFI has much more valuable clients. Much more $ rich much more credit oriented.

[Donatas Macinskas 🇱🇹🇺🇦 @Soberdr]

I’ve been a @Revolut customer since 2016. For the first 5 years, I used it for travel cards and currency. Then something shifted. Salary. Savings. Investments. Insurance. Mortgage refi attempts.

This is exactly what’s happening at $SOFI right now. And almost nobody is pricing it correctly.

[Donatas Macinskas 🇱🇹🇺🇦 @Soberdr]

@WinnerInvestor Especially when your experience is way better than you ever had with your old bank.

[Donatas Macinskas 🇱🇹🇺🇦 @Soberdr]

Base case 2030: ~$23B revenue, 36M members, 2.4 products each.

Apply a reasonable 4.5x multiple and you get a market cap roughly 5x today’s.

I’ve watched this exact pattern play out in my own wallet over a decade with another digital bank. It’s the most underpriced dynamic in fintech.

@DataDInvesting @anthonynoto @FunOfInvesting @Futurenvesting @SoFi @SoFiIR

[Donatas Macinskas 🇱🇹🇺🇦 @Soberdr]

The market grades quarterly. The thesis compounds annually.

Trust curves don’t show up in 90-day prints. They show up when a 2022 student loan customer suddenly has a SoFi mortgage, SoFi credit card, and Plus subscription in 2027.

You can’t model that in a Q3 estimate.

[Donatas Macinskas 🇱🇹🇺🇦 @Soberdr]

@maxkarpis send it, thanks!

[Donatas Macinskas 🇱🇹🇺🇦 @Soberdr]

@muddywatersre @DeloitteUS