Out Fox The $treet

  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. 

  Update - May 9 The dip in SoFi following Q1 earnings was insane. The stock has shown a nice bounce back to $5.50 already. SoFi should trade back to yearly highs with blowout growth and profits.  Original article posted on May 1 SoFi Technologies, Inc. dipped again following strong Q1 quarterly results. The fintech reported another quarter with strong adjusted EBITDA profits of $76 million, which equate very close to adjusted profits. SoFi Technologies, Inc. stock is now very cheap, trading at only 10x '24 adjusted EBITDA targets. This idea was discussed in more depth with members of my private investing community, Out Fox The Street.  Learn More »   The market doesn't like companies reporting losses right now, and  SoFi Technologies, Inc.  ( NASDAQ: SOFI ) is probably making a mistake pointing to a GAAP profit goal. The fintech continues to blow away financial targets while outgrowing most  stocks, yet SoFi can't maintain any rall...

Update - May 1, 2023 SoFi reported a great quarter. The market is extrapolating too much on full year guidance. The fintech beat Q1'23 EBITDA targets by over $30 million. An investor shouldn't sell just b/c the company provided conservative guidance for the full-year by just hiking guidance for 2023 by $8 million.  SoFi Technologies ( NASDAQ: SOFI ) stock  dropped 9.1%  in Monday midday trading after the fintech bank issued full-year guidance indicating some metrics could trail Wall Street expectations. The company, known for refinancing student loans, now expects  2023 adjusted net revenue of $1.955B-$2.02B  vs. $1.97B consensus  and up from its prior range of $1.925B-$2.0B. That indicates that at its worst, SOFI's annual revenue could still fall below the average analyst estimate. The company also increased its outlook for adjusted EBITDA to $268M-$288M, up from its prior guidance of $260M-$280M, and bracketing the Visible Alpha consen...

SoFi will benefit from a positive ruling by the Supreme Court against the student debt forgiveness plan. The bank sector came under undue pressure this week due to the sudden collapse of SVB. SOFI stock only trades at ~10x 2024 adjusted EBITDA targets. Anyone following our research over the last few months knows that  SoFi Technologies  ( NASDAQ: SOFI ) doesn't need a change in the Biden Administrations stance on student debt forgiveness to reward shareholders. The good news for  shareholders is that the Supreme Court appears set to block the debt forgiveness plan by June. My  investment thesis  remains ultra Bullish on the stock after the dip back below $6 following contagion fears due to the  SVB Financial Group  ( SIVB ) collapse. Read the full article on Seeking Alpha.  Disclosure: No position mentioned. Please review the disclaimer page for more details. 

  Upstart reported another weak quarter in Q4 2022, and in particular guided to collapsing loan origination demand in Q1 2023. The fintech doesn't appear any closer to solving the committed capital issues, though this could provide a stock boost on the next up cycle. Upstart Holdings stock is expensive compared to fintech lending peers despite reporting large losses. This idea was discussed in more depth with members of my private investing community, Out Fox The Street.  Learn More »   Just a couple of weeks back,  Upstart Holdings, Inc.  ( NASDAQ: UPST ) announced plans to  lay off ~20% of their workforce  in a sign of how weak 2023 had started off. The fintech continues to  operate a flawed AI-driven lending platform very susceptible to cyclical lending practices. My  investment thesis  remains Bearish on UPST stock despite Upstart trading near the lows, though the stock could become a good trading vehicle as the Fed moves to pause ra...

Update - Feb. 2 SoFi is probably due for a pause here near $8 after the strong 2023 guidance propelled the stock higher. The short attack actually had investors selling in the $4s while CEO Noto was buying. The fintech still has more upside after a congestion period.  Original article posed on Jan. 30 SoFi reported another strong quarter with revenue growth surging to 58%. The fintech guided to another strong year with adjusted EBITDA nearly doubling to $270 million in '23. The stock is cheap at only 23x '23 adjusted EBITDA targets despite much faster growth rates. This idea was discussed in more depth with members of my private investing community, Out Fox The Street.  Learn More »   Despite major headwinds,  SoFi Technologies  ( NASDAQ: SOFI ) continues to blow away expectations. The fintech remains far more profitable than the market thought and the fast growth justifies a far higher stock price. My  investment thesis  remains ultra Bullis...

This idea was discussed in more depth with members of my private investing community, Out Fox The Street.  Learn More »   Update - Jan. 25 LendingClub reports after the close with focus on 2023 with the pre-announcement: -The consensus EPS Estimate is $0.22 -The consensus Revenue Estimate is $258.37M (-1.5% Y/Y). Original article was posted on Jan. 14 LendingClub reported preliminary Q4'22 numbers right on estimates. The fintech reported disappointing loan originations to impact '23 numbers leading to an opportunistic workforce reduction of 14%. The stock is cheap trading below TBV and at just 6x EPS targets for '22. The current tough macroeconomic backdrop makes analyzing most equities very difficult. In the case of  LendingClub  ( NYSE: LC ), the fintech faces a hiccup in investor demand due to the rapidly rising interest rate environment impacting financing costs. My  investment thesis  remains ultra Bullish on the stock trading below $10 due to the norm...