Mind you it’s social media so take it with a grain of salt and a shot of penicillin. I see no less than a dozen posts a day about how SOFI is so undervalued and how it deserves to be $50 a share and how its gonna be the next (insert xyz) company to the moon. Is it just a marketing push or an elaborate scheme?
Posted by ZTB1313
32 Comments
It’s under-valued and there’s insider buying, also doesn’t look like a falling knife. The quality of the company however is bad imo.
Theres a million companys that do the same shit as sofi but they act like its some cutting edge fintech
I get why SOFI pulls attention, people love a clean growth story even if the numbers still need to mature. I’ve been looking elsewhere lately. MEHA has that gold backed angle and a valuation gap that’s hard to ignore.
Marketing push (or/and they own the shares themselves). I actually had this at $6 and sold in the mid 20s in my personal account and still own a few thousand shares (average cost of $16) in my 401k. However, all these clowns pushing this stock, or any others on social media, are just that. Clowns.
Also, not that you should trust analysts, because there are lots of them that are clowns themselves, I don’t think a single reputable analyst has this stock at $25 currently.
They have elite level operating leverage, spend more money on marketing than other bank as a percent of revenue, and are still massively profitable and growing.
I have a small position in them but it reminds me of Capital 1’s beginning and I expect SoFi to have similar capital appreciation.
WSB really has gone down hill
They fucked me over my cryptos, and they’re doing some shady stuff such as taking inactivity fee out of the account balance without the consent. That company’s going down in the end.
Didn’t orange man buy.
As long as I own it it’ll be in the dumps unfortunately I have to start cutting loses so expect a rally in the next few weeks.
SOFI is more of a long term investment than a WSB gamble.
I wouldn’t touch any banks in the midst of the bond yield issues
I made a SoFi account just to check it out. It’s nothing special. Very good rates. Good interface. It’s a more polished less gamified Robinhood for people who want a one stop shop and don’t want to run their life through a brokerage like Schwab or fidelity. It blows away normal banks.
It’s a super solid bank for “younger” people. But it’s just a bank…it’s gonna need to grow a shit to justify its PE. I don’t see anything worthy of the high multiple.
My bags would be very thankful if this pump actually comes
If it’s just a bank, then it’s a bit overvalued although it’s growing like crazy. The reason it’s in the dumps is because of their tech sales which are declining.
I’m a SOFI bag holder. I don’t think so. Not anymore.
I sold this stock(for a gain) because the ceo kept diluting every time it went up on earnings and killed every pump. I dont like it just cuz of that.
$40-$80 is possible on better interest rate and geopolitical environment.
I think you should do it because it’ll be funny for me no matter what happens
No
Bagholders pumping SOFI all the time
It’s a bank and its real money maker is student loans. The problem there in the short term is there are going to be fewer and fewer college students as time goes on as degrees have been radically devalued and there are a derth of children. They also do a large amount of business in unsecured personal loans which is risky and the business isn’t old enough to show whether their retention policies are any good in an economic downturn.
Otherwise, it’s probably the king of the Internet banks although anybody else can move into the space just the same. PayPal for example is doing basically all of the same stuff as sofi now and they offer a rewards debit card.
I don’t see how it could justify being valued differently than a normal bank. Usually the most important metric for a bank is their book value per share and their return on assets. Their bvps is 8.44 so you’re paying a 2x premium and their return on assets is below the industry average.
So you’re basically buying hope and branding at this price. They’ve been able to grow their book value very quickly (like 14 percent per year) through customer acquisition but that has to have some sort of upper limit. At the current growth rate assuming customer acquisition stays the same you’ll have your 15 dollars worth of bvps in around 5 years time.
I heard about some private equity / private credit problem. Relevant ?
I held 1k shares and followed this stock for years before giving up on it. There have been so many “catalysts” that were supposed to be takeoff for this stock. Every time it came back down. Im pretty sure the social media hype around this is manufactured. Theyre not revolutionary. Theyre not the AWS of fintech as they claim. And Noto has done a much better job enriching himself than shareholders. I think its another bullshit spac redditt hype stock that will never deliver
I sold out a long time ago. It was super attractive at $6 not so much at $16
Over valued
Fintech was hot back in 2016-2018, not anymore. Large banks have caught up with technology and these smaller banks aren’t anything special anymore.
Lots of SOFI bag holders here saying they are the best and valuations are justified so take that with a grain of salt
No, it is not. It is a bank without any of the things that make banks make bank.
Should be $30-50
I liked SoFi until they turned into green incarnate. SoFi plus not being unlocked via direct deposit and requiring $10/mo pissed me off.
Cancelled my SoFi Credit Card after they announced it would have an annual fee.
They are growing 40 percent and will continue to do so till 2027 or 2028. CEO is buying shit tons is shares. I’m bullish Sofi
On WSB I’d be very careful with anything that starts feeling like “everyone agrees it’s undervalued,” because that space tends to amplify momentum narratives way faster than fundamentals.
With SOFI specifically, there *is* a real business underneath (lending, fintech, growth in banking products), but the gap between “solid company” and “priced for perfection” is where most hype cycles live. When you see repeated $50+ calls, it’s usually a mix of long-term believers + short-term traders pushing sentiment rather than a clear valuation consensus.
I’ve found it helpful to keep my own notes on bull vs bear cases in Notion so I don’t get swayed by feed noise, and sometimes I’ll use Runable to quickly structure a clean thesis summary from messy notes so I can compare different stocks without getting caught in hype threads.