Out Fox The $treet

Update - Oct. 27, 2026  Lulu winning the Brazilian election could present a good dip buying opportunity. Sounds like the election was pure chaos, so be careful rushing in to Nu. The stock appears to have hit a double bottom around $12.  -With 100% of the vote counted, Brazil’s electoral court announced that the soon to be 81-year-old Lula had a lead of nearly 4.4 million votes - 51.8% of the total vote - over opponent Flávio Bolsonaro. The announcement capped an evening of chaos at polling places across Brazil, following a last-minute decision to extend voting by two hours. That decision by a Supreme Court justice may trigger legal action by Bolsonaro. Original article posted on Oct. 14 Nu Holdings Ltd. remains maintains impressive growth, strong financials, and expansion into the U.S. market is a major catalyst. Recent Brazilian election results provide potential pro-business tailwinds, but policy implementation remains uncertain. NU trades at roughly 15x 2027 EPS targets, wi...

  SoFi Technologies delivered 41% YoY revenue growth, and record loan originations. The flywheel effect and SoFi Plus adoption drove robust member and product growth, providing a recurring revenue stream for the future. The fintech guided conservatively due to adopting the view of up to 2 Fed rate hikes this year versus original expectations of rate cuts. The stock is cheap trading at just 13x 2026 adjusted EBITDA targets while consensus estimates project strong growth into 2028, including 52% EBITDA growth this year. SoFi Technologies, Inc.  ( SOFI ) continues reporting amazing results, yet the stock is stuck 50% below the all-time highs. The fintech is firing on all cylinders regardless of guidance for more market-related headwinds in the  2H. My  investment thesis  remains ultra Bullish on the stock as the market is not accurately valuing SoFi based on the growth dynamics. Read the full article on Seeking Alpha.  Disclosure: Long SoFi. Please review the...

Updated - June 3, 2026 Nu Holdings  hit a new 52-week low on the CFO change, but the stock rebounded pretty big on the hiring of a 30-yr veteran from Visa. The stock was cheap when trading at $19, much less below $12 now.  -Nubank ( NU ) has appointed Rob Livingston as chief financial officer, effective July 13, 2026. -Current CFO Guilherme Lago will transition to special advisor. Original article posted on May 19 Nu Holdings reported Q1 revenues up 42% FXN to $5.3B, but the stock had a post-earnings dip driven by higher credit losses. The digital bank reported a credit loss increase attributed to seasonality and portfolio growth, not asset quality deterioration; NPL ratios remain stable. NU trades at a valuation far below its >30% projected growth, offering a compelling entry point amid market overreaction to credit risks. The stock trades at just 10x '27 EPS targets while the fintech has a major catalyst with the entry into the U.S. market. Looking for a portfolio of idea...

Upstart Holdings, Inc. experienced a disappointing quarter, with AI model errors and analyst mistakes contributing to weak results and a significant stock decline. The AI lending platform misinterpreted macroeconomic signals, reducing loan approvals and missing revenue estimates despite strong demand and industry peers performing well. UPST stock now trades at a low valuation, around 4x 2026 sales and 16x 2026 EPS targets, making it attractive for value-oriented investors despite execution concerns. Looking for a portfolio of ideas like this one? Members of Out Fox The Street get exclusive access to our subscriber-only portfolios.  Learn More » Despite a good market,  Upstart Holdings, Inc.  ( UPST ) had a very disappointing quarter. The AI lending platform trades at the lows as the company was both hit by an analyst error and internal  mistakes. My  investment thesis  is Bullish on the the stock due to falling over 50% in the last few months, not necessari...

Update - Nov. 11, 2025 At the recent Investor Day, LendingClub outlined a medium term path to boost total loan originations to ~$20 billion. The fintech would finally top the prior peak levels and double current originations.  The stock is cheap at 12x '26 EPS targets. LendingClub has the opportunity to push financials and the stock if far higher levels. The biggest concern is that the company doesn't move fast enough.  Looking for a portfolio of ideas like this one? Members of Out Fox The Street get exclusive access to our subscriber-only portfolios.  Learn More » Original article posted on Oct. 27 LendingClub delivered another strong quarter, beating Q3'25 estimates and driving shares to multi-year highs. LC's loan originations remain below bullish expectations, but a $1 billion BlackRock financing deal and higher marketing spend could drive future growth. The stock now trades at 1.5x tangible book value, but LendingClub is still cheap at only 12x 2026 EPS targets tha...

  PayPal is positioned for strong growth with its PYUSD stablecoin and the PayPal World global wallet platform as major catalysts. The company is leveraging its vast user base and partnerships to expand PYUSD's adoption, aiming to capture a larger share of the potential for a multi-trillion-dollar stablecoin market. PayPal is delivering solid financial results, with 5% revenue growth, 18% EPS growth, and aggressive share buybacks enhancing shareholder value. The stock only trades at 12x '26 EPS targets, and upcoming catalysts make me ultra bullish on the stock's long-term upside potential. Looking for a portfolio of ideas like this one? Members of Out Fox The Street get exclusive access to our subscriber-only portfolios.  Learn More » PayPal Holdings, Inc.  ( NASDAQ: PYPL ) has a slow and steady growth profile with a major catalyst opportunity. The fintech continues progressing towards a dynamic commerce platform led by crypto via a leading stablecoin and an expansion to ...

Update - May 6, 2025 The fintech has slipped to $50 despite a big quarter likely due to not hiking guidance.  Q1 GAAP EPS of -$0.03  beats by $0.16 . Revenue of $213.37M (+66.7% YoY)   beats by $12.11M . Upstart signed a forward-flow agreement for $1.2 billion with Fortress Investment Group. The main issue with numbers is likely guidance just generally matching current estimates.  Q2 Revenues of $225 million vs. consensus at $226 million 2025 Revenues at $1.01 billion vs. consensus at $1.01 billion.  The stock dips to a $4 billion market cap at the $42 after-hours price, or 4x sales targets. Upstart just traded down below $40, so the stock likely bounces at this level.  Update - Apr. 5, 2025 Upstart has entered the buy zone on the dip to nearly $30. The AI lending stock has just been crushed after rallying to $90. The company will have to report a serious pullback to lending to warrant this dip.  Original article posted on Mar. 30 Upstart Holdings...

Update - March 28, 2025 LendingClub with an interesting re-test of $10. The economy has to slump into a recession to warrant even this price, which is below TBV.  Original article posted on Jan. 30 LendingClub disappointed the market with conservative guidance for 2025. The fintech's potential remains high, with plans to double loan originations over time and expand into new investment products, including a rated structured certificate program. LC stock is attractive at less than 10x peak earnings potential, but patience is required for full growth realization. Looking for a portfolio of ideas like this one? Members of Out Fox The Street get exclusive access to our subscriber-only portfolios.  Learn More » LendingClub Corporation  ( NYSE: LC ) is under pressure after 2025 guidance failed to impress. The online lending platform guided to solid growth for the next year, but the company isn't expanding business as aggressively as desired  by the market. My  investm...

Update - Nov. 8, 2024 MoneyLion appears headed straight back to $100 after a strong Q3. The fintech guided up Q4 revenue growth to 34%.   Original article posted on July 23 MoneyLion faces CFPB concerns over paycheck advances with a proposal for new interpretive rules. The financial regulator is focused on the high costs of employer-partnered earned wage products, allegedly not properly disclosed. MoneyLion's Instacash program has apparently been a big part of its growth. The stock trades at 6x EBITDA. After a massive snapback rally following a reverse split,  MoneyLion   ( NYSE: ML ) has again hit turbulence due to regulators. The fintech has reported strong numbers in the last year despite headwinds in the enterprise business. My  investment thesis  remains  ultra-Bullish on the stock, trading at a bargain-basement price after the recent dip. Read the full article on Seeking Alpha.  Disclosure: Long ML. Please review the disclaimer page for more det...

 Update - Oct. 14, 2024 SoFi is approaching $10 on news of a loan agreement with Fortress. The stock is still cheap despite almost doubling in the last few months. The fintech traded at $10 during 2023 and has grown substantially during this period.  -SoFi Technologies (NASDAQ:SOFI) stock jumped 6.6% in Monday premarket trading after the digital bank announced a $2B loan platform agreement for personal loans with funds managed by affiliates of Fortress Investment Group. -The pact will expand SoFi's capabilities in its loan platform business, where the company refers prequalified borrowers to loan origination partners as well as originates loans on behalf of third parties. Original article posted on Sept. 25  SoFi Technologies, Inc. has experienced significant revenue growth since going public, yet its stock remains undervalued, presenting a strong buying opportunity for investors. CEO Anthony Noto predicts increased loan demand due to Fed interest rate cuts, further boost...

  SoFi Technologies continues to report strong growth but trades at a low valuation, disconnected from its results. The company hiked adjusted EBITDA guidance for 2023 by 16%, yet SoFi now trades lower. The stock trades at only 11x '24 adjusted EBITDA targets, which are equivalent to adjusted profits. Looking for a portfolio of ideas like this one? Members of Out Fox The Street get exclusive access to our subscriber-only portfolios.  Learn More » Despite persistently strong growth,  SoFi Technologies  ( NASDAQ: SOFI ) still trades closer to the lows after going public via a SPAC at $10. The digital bank continues to report impressive growth disconnected from the stock movement where every quarterly beat is  sold off. My  investment thesis  remains ultra Bullish on the secular growth story trading at a massive discount. Read the full article on Seeking Alpha.  Disclosure: No position. Please review the disclaimer page for more details. 

  SoFi Technologies, Inc. has consistently collapsed following strong earnings reports, leaving the stock trading below the $10 SPAC deal price. The digital bank's expansion into the mortgage loan market could be a major. The stock only trades at 14.5x '24 adjusted EBITDA targets despite growth of nearly 60% doesn't add up. Out Fox The Street members get exclusive access to our real-world portfolios. See all of our investments  here »   In a now consistent pattern,  SoFi Technologies, Inc.  ( NASDAQ: SOFI ) has collapsed following another  strong earnings report . The digital bank platform has now reported a very consistent and strong history of growing following the  SPAC deal back in late 2020, but the stock actually trades below the $10 deal price. My  investment thesis  remains ultra Bullish on the stock on another dip to $8. Read the full article on Seeking Alpha.  Disclosure: No position mentioned. Please review the disclaimer pag...

Update - July 25, 2023 The AI rage is full speed ahead with Upstart during the last month. This doesn't look like a peak due to the BTIG upgrade, but a shareholder should be looking for an exit point.  Original article posted on May 11.  Upstart made a huge step in rebounding from the downward spiral the lending platform had been going on over a year. The fintech announced committed funding of $2+ billion crucial to a turnaround, but the company didn't provide any details. UPST stock is reasonably valued here at 3.2x '23 sales estimates that require considerable 2H growth to hit targets. Upstart Holdings  ( NASDAQ: UPST ) signaled a key shift in their AI lending marketplace, making the business model far more appealing. The big question now is the details on the new committed lending partners, but at least the  fintech has ended the downward spiral. My  investment thesis  is more Neutral on the stock following the big rally off the lows. Read the ...

Update - May 30, 2023 Somehow, Payoneer continues to tick lower despite the impressive growth during a tough global economy. The stock should be trading at all-time highs.  Original article posted on May 17 Payoneer Global Inc. reported another quarter of strong growth, with sales surging 40% in Q1 2023. The global payments company has substantial growth ahead via new financial products and expansion of existing products like commercial card and check out. Payoneer Global stock is cheap at a forward EV/S multiple of 1.5x, especially for a fintech likely to maintain 20% growth. This idea was discussed in more depth with members of my private investing community, Out Fox The Street.  Learn More »   No matter the results,  Payoneer Global Inc.  ( NASDAQ: PAYO ) appears unliked by the markets. The global payments company  reported another quarter  with massive growth, yet the stock fell to recent lows below $5 due to  cautious management commentary. M...

SoFi continues to refute all claims the digital bank has a loan accounting issue. The student debt moratorium is set to expire within months leading to another loan growth catalyst. The stock trades at close to just 10x '24 adjusted EBITDA targets. Despite  SoFi Technologies  ( NASDAQ: SOFI ) CEO making the rounds with the media and investment conferences, the market still appears to misunderstand the investment story. The fintech clearly doesn't face an issue with how the company handles  the accounting on their loan originations, yet the market constantly pushes this false narrative causing the stock to trade $5. My  investment thesis  remains ultra Bullish as the digital bank isn't valued based on the growth of the business and the strong adjusted profits. Read the full article on Seeking Alpha.  Disclosure: No position mentioned. Please review the disclaimer page for more details.