UltraVested

Compounding miles and capital. Endurance is my strategy. Whether it's 100km runs or long-term investing | 🔥 FIRE | Girl Dad 👨‍👧‍👧

[UltraVested @UltraVested]

@KrisPatel99 Credit risk is highly overstated for $SOFI imo.

Of course a macro downturn slows growth, but their profile easily survives it. During 2008–2010, super-prime defaults (740+ FICO) stayed at just 1-2% vs >15% for subprime.

SoFi’s 740+ FICO base is built to last.

[UltraVested @UltraVested]

@KrisPatel99 Management targets a 50/50 revenue mix, but lending is the moat, not a drag.

Most fintechs avoid lending, but it creates an enormous LTV. That high-margin engine allows SoFi to fund member benefits and APY that non-lending competitors simply can't match.

[UltraVested @UltraVested]

@AverageDipBuyer Of course they will. IMO it's a total no-brainer.Look at the average customer: SoFi targets super-prime earners ($160k+ income, 740+ FICO), while Nu targets mass-market retail. Nu won't steal SoFi's base. Higher affluent deposits per member make this inevitable.

[UltraVested @UltraVested]

@maka2u @SoDakZak Well, if reason doesn't work here.. see you at a $100. 😎🤠

[Timothy Sweeney @Tim_Sweeney_TAR]

$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

[UltraVested @UltraVested]

@EarlyAlphaX_ @Tim_Sweeney_TAR SoFishould be valued on a Forward P/E basis, definitely now (end Sept 26). So if you use a conservative forward P/E of 30x on $0,84 EPS for 2027 you get $25.

[Ashton Invests @Ashton_1nvests]

Another under-the-radar $SOFI data point I haven’t seen many people talking about.

A September AI benchmark for personal loans found SoFi ranked #1 in recommendation coverage at 68.5% across ChatGPT, Gemini, Copilot, Perplexity and Google AI.

Even better, SoFi had the highest rate of being recommended FIRST at 36.2%, up from 33.9% in July.

People are increasingly using AI to decide where to borrow, save and invest.

And SoFi keeps showing up at the top.

[UltraVested @UltraVested]

@marketswithmay How do you value SoFi? Do you look at P/TBV, Forward PEG,..? Thank you for your insights as always.

[UltraVested @UltraVested]

@maka2u @SoDakZak Misleading chart. The jump from 116M to 800M+ in 2021 was the De-SPAC conversion (private SoFi equity joining public IPOE shell), not dilution.

Shares went from ~800M post-merger to ~$1.1B today over 5 years. Massive difference between going public and "1B dilution."

[UltraVested @UltraVested]

@Kenmegan44 Just like palantir was so hated back in the day. I know I was fighting bears everyday on X, felling me it would go to $3, no value, a scam company, terrible CEO, Karp should be fired,.... look how times have changed. Same will be said for $SOFI in due time. Fresh Horses!

[UltraVested @UltraVested]

@SoDakZak Looks like this summons the bears kn the comments. 😅 SoFi is really a Rockstar of a business. So gratefull to Noto and team!

[UltraVested @UltraVested]

@maka2u @SoDakZak Go start your own bank. I'm pretty sure you would do so much better!! Also, overvalued? Growing more than their peers with a lower multiple?

[UltraVested @UltraVested]

@Ravivazira42705 @SoDakZak What are you even saying some AI answer? Did you even look at EPS? A bankrupt company with more cash than dept and bringing in more net revenue every single quarter. Terrible company indeed... 😑🫩

[UltraVested @UltraVested]

@LoneXrp @CoinDesk @SoFi @Mastercard SoFi is a regulated bank, they don't need Clarity act.

[UltraVested @UltraVested]

@Tim_Sweeney_TAR https://t.co/dcCLdUJekX

Here is the first clue, great to see. Now yield on tokenized deposits and LatAm next.

[Shay Boloor @StockSavvyShay]

$SOFI just moved stablecoin settlement onto its $25B card program with $MA taking SoFiUSD into live payment infrastructure.

Anthony Noto says businesses can now get “faster access to their money via the speed of blockchain, with the safeguards of a bank.”

[UltraVested @UltraVested]

@ben81745539 @SoDakZak Well you have plenty of time to buy this bottom, no? Nobody wanted to touch it when it was, $4, $6,.. for months!

[UltraVested @UltraVested]

@SoDakZak Yes, I agree. Noto said TBV would compound at a 40% CAGR for the next year's. We don't need a rerating of the business to have a great investment. People calling for prices which are under 1x P/TBV is ridiculous...

[UltraVested @UltraVested]

@stocks_il @DataDInvesting @anthonynoto @SoFiIR IMO, this is where $SoFi has the edge. Using its balance sheet yields a much higher LTV, allowing them to out-monetize capital-light models like Revolut.

Both are great businesses that will do well, but they disrupt old banks in completely different ways.