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 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...

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. 

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. 20  SoFi has started the year in a very bullish manner. The stock has reclaimed $5 and all of the key moving averages are starting to turn upwards. Not to mention, all of the recent insider purchases by CEO Noto are now in the money.  Update - January 9 SoFi has made a nice bounce back to $5 today. This level was previous support for the fintech and could quickly signal a breakout once the stock reclaims the levels.  Original article published on Jan. 4 SoFi is constantly dumped on for not being profitable, yet the company is very profitable when excluding non-cash charges. The fintech should be valued based on adjusted EBITDA due to the metric approximating adjusted profits. The stock trades at 15x '23 EBITDA targets for a business set to double and triple EBITDA in a short period. The recent volatile market has whips...

 Original article published on Nov. 28 SoFi has fallen to new lows due to irrational fears surrounding the immaterial crypto business. The Biden Admin. extending the student debt moratorium by up to 6 months isn't problematic to the long-term business prospects. The stock trades at just 2x '23 sales estimates despite strong forecasts for 34% revenue growth next year following a year with 50% growth. This idea was discussed in more depth with members of my private investing community, Out Fox The Street.  Learn More »   Over the last few weeks,  SoFi Technologies  ( NASDAQ: SOFI ) has been hit with attack after attack to the stock. The fintech faces limited impacts to the long-term business from the crypto business, loan losses and student  loan moratorium, yet the stock has hit all-time lows after reporting 51% growth in the last quarter. My  investment thesis  remains ultra-Bullish on the business building a financial Super App while the market s...

  SoFi Technologies oddly fell hard following an initial big rally on the strong Q3'22 earnings report. The fintech expects to benefit from the student loan moratorium ending January 1, along with a potential blocking of the loan forgiveness plan. Investors appear irrationally fearful the digital bank isn't taking enough loan provisions due to loans being held longer before being sold. The stock is cheap at 15x conservative 2023 adjusted EBITDA targets. This idea was discussed in more depth with members of my private investing community, Out Fox The Street.  Learn More »   After an odd selloff following strong Q3'22 earnings,  SoFi Technologies  ( NASDAQ: SOFI ) is poised to finish the rally the stock started. The fintech has been maligned for not taking charges on loans held on the balance sheet, but the  company is poised to benefit whether holding or ultimately selling the personal loans. My  investment thesis  remains ultra bullish on the grow...

  SoFi Tech. closed the gap at $6.63 after trading above $8 following earnings. The fintech could benefit from an end to the student debt moratorium on August 31, but the business model no longer relies on refinancing student debt to prosper. The stock trades at just 3x '23 revenue targets which is incredibly cheap for a business growing at a 50% clip. This idea was discussed in more depth with members of my private investing community, Out Fox The Street.  Learn More »   In an amazing and surprising move,  SoftBank  ( OTCPK:SFTBY ) has followed through with unloading shares of  SoFi Tech.  ( NASDAQ: SOFI ) pressuring shares lower. The fintech remains an impressive grower, but SoftBank has other reasons for unloading  the stock including  purchasing shares  in fellow fintech  Nu Holdings  ( NU ). My  investment thesis  is ultra-Bullish on an investor being able to load on the stock of SoFi with the gap from the strong...

  SoftBank has started selling sizable amounts of SoFi to raise funds. The investment fund still owns 83 million shares or 9% of the outstanding shares of SoFi. The stock has a gap down to $6.63, providing the ideal point to purchase SoFi. The business continues to improve with a shift away from lending products, while digital bank deposits provide the funding source unavailable at the likes of Upstart. This idea was discussed in more depth with members of my private investing community, Out Fox The Street.  Learn More »   When a great company is sold for a reason outside of the performance of the valuation of the stock, an investor is provided a gift. The market finds  SoFi Technologies  ( NASDAQ: SOFI ) in this exact situation with  SoftBank Group  ( OTCPK:SFTBY ,  OTCPK:SFTBF ) somewhat forced to sell shares. My  investment thesis  remains ultra Bullish on SoFi, especially if the stock closes the recent gap into the $6s. Read the full...

SoFi continues to defy the stock market by reporting 50% revenue growth. The fintech is building a flexible financial platform with the capacity to switch growth drivers with the demand in the market. The stock is too cheap at less than 3x '23 sales targets. This idea was discussed in more depth with members of my private investing community, Out Fox The Street.  Learn More »   The current tough economic period isn't slowing down strong companies and  SoFi Technologies  ( NASDAQ: SOFI ) falls right into that category. The fintech reported another strong quarter with robust growth and a solid addition of new members. The  investment thesis  remains ultra Bullish after the former SPAC continues to thrive despite economic and political headwinds. Read the full article on Seeking Alpha.  Disclosure: No position mentioned. Please review the disclaimer page for more details.  Update - August 3 SoFi is still cheap, even after a nearly 30% gain on the da...