My Top Fintech Stock! 7 Secrets of SoFi that Everyone is Missing

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Күн бұрын

Many SoFi investors know the high level story of the stock, but in this video I cover 7 secrets of SoFi that could have a bigger impact on the company than anyone realizes, especially during the current drop.
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SoFi is a rapidly growing fintech company revolutionizing the financial services industry. Initially starting as a student loan provider, SoFi has diversified its offerings, becoming a comprehensive fintech firm with innovative products like the SoFi app, SoFi Credit Card, and SoFi Checking Account. Their growth strategy, shifting from lending to financial services, mirrors a tech company's expansion rather than a traditional bank. This approach is reflected in their multiple S-curves of growth across different products. CEO Anthony Noto's leadership has been pivotal in this transformation, guiding SoFi through significant changes and spearheading their evolution into a multifaceted financial services provider.
A key component of SoFi's strategy is their B2B expansion through the acquisition of the Galileo Technology Platform and Technisys. These acquisitions enable SoFi to offer Banking as a Service (BaaS), allowing other businesses to leverage SoFi's technology to create their own financial products. This positions SoFi as the "AWS of Fintech," providing a stable and scalable technology backbone. Despite its origins as a SPAC and initial meme stock perception, SoFi is maturing into a robust financial company with substantial institutional and insider investment. Their ability to adapt and innovate continuously, coupled with a strong leadership team, underscores their potential for significant stock price appreciation. SoFi's current valuation, with a price to book value well below industry averages, it one of the reasons this has become one of my largest stock holdings.
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Пікірлер: 84

@FinTek 4 ай бұрын

One important item that didn't fit in this video: SoFi is currently experiencing downward pressure on the stock price due to one of their Pre-IPO holders, the QIA, selling out of their position in the stock. There's a lot of speculations as to why (some think it's due to them potentially losing their board seat), but that's a longer discussion than I can have in a single comment. While I don't think this affects the long-term investing thesis in SoFi, it's a lot of shares to move at once, and that's going to affect the stock price in the short term. I'll be sharing more thoughts as updates come out on Instagram: instagram.com/realfintek/

@sofigod2278 4 ай бұрын

Just do another video

@cameronbraun1436 4 ай бұрын

@BeeTB1 4 ай бұрын

Just bought the dip yesterday. Good fundamentals and believe in the company

@AverageDipBuyerX 4 ай бұрын

The bottom is literally $4 a share (TBV/share) and the upside is unlimited. I’m buying heavily.

@BenDover84932 3 ай бұрын

Bring in the 2nd half of the year, intrest rated going down and an overvalued market, I'm gonna wait a bit longer, I feel like It can breach sub 5 .

@AverageDipBuyerX 3 ай бұрын

@@BenDover84932 End of this year TBV will be $5 dollar a share. So an entry there is very unlikely

@stevek3666 4 ай бұрын

very good presentation. I'm in for sofi for the long run, there are not many companies that are as innovative as sofi atm in my opinion.

@jameslong7215 3 ай бұрын

Lots of innovative companies out there. But it sounds like you're forgetting NVDA.

@ajaykasthana 4 ай бұрын

Very Good Presentation ... Thanks.

@ffyy88 4 ай бұрын

Which stock will 10x first from now $TSLA or $SOFI?

@The_Legendary_Stock_Battle 4 ай бұрын

Thanks for the video. However, I have a question. Have you ever used SoFi? Do you have an account with them? I do, and it's been a terrible experience. I wouldn't recommend joining SoFi. Not yet!

@ronniehoang8510 4 ай бұрын

And yes AI is a part of sofi in the future to help control over the app. Easily for users at any services

@AverageDipBuyerX 4 ай бұрын

P/TBV is a better metric for SoFi. Still amazingly cheap based on tangible book value

@TheSushiandme 4 ай бұрын

3 years later.... we are still red asf...

@princevo625 4 ай бұрын

😂😂😂😂 facts

@sauljimenez6738 4 ай бұрын

I JUST BOUGHT TODAY AT $6 47, ONLY 102 SHARES. I WILL BE BUYING MORE. STOCK WILL GO UP AFTER INTEREST RATES COME DOWN. My favorite stocks are -Palantir -sweetgreen -Sofi -Precious metals mining

@DavidSaintloth 4 ай бұрын

SoFi is my banks, banks, bank. Ie. Where my net worth grows, where I manage my inflows & outflows and one of my most solid investments in itself. Big multiples coming in from my multibaggers in AI & semis & tech will be increasingly rebalanced into SoFi as it becomes a container ship of stability. Love it. 🚀🚀🚀

@atetraxx 4 ай бұрын

Sheeeit. I bought the latest dip. I'm finally in the green but I sold years ago before it crashed heavily

@ThePaulGardner 4 ай бұрын

Fuckin crybaby

@phillyguy3569 4 ай бұрын

It is heavily shorted which is common with a lower stock price. Catalysts will be a short squeeze, Q2 earnings, rate cuts, ending of stud loan forgiveness.

@normanchiang5636 4 ай бұрын

Really appreciate the in-depth analysis and perspective that you share.

@FinTek 4 ай бұрын

Glad it was helpful!

@dreamofstuff9125 4 ай бұрын

Nice video. Very true and oversild. Regardless of stock diconnection, the conpany is a great.

@terrie001 3 ай бұрын

Ceo bought more shares at around 6.50. Buy buy buy.

@stew6662 4 ай бұрын

As Warren Buffett might say. I don’t see a long term competitive advantage. They have nothing that can’t be easily duplicated.

@robertjordan2825 22 күн бұрын

So what are you saying exactly?

@entertainmentinternational1087 4 ай бұрын

I just hope im holding all the shares i have and the rest i been adding when or if they hit 15 20+ a share like they said can be in 2026... 2 years we will be middle of 2026... we should know by q4 2025 q1 2026 which is only 1.5 years from now.. seems long but time flies

@AverageDipBuyerX 4 ай бұрын

Great video! Very well explained

@FinTek 4 ай бұрын

Thank you!

@austin_thompson 4 ай бұрын

Your first point is 100% spot on. The three headed beast: SoFi

@1701Howdy 4 ай бұрын

Have enough shares, buying 2026 leaps, lower risk, bigger potential profits

@helen.k 4 ай бұрын

Could you do a video on what to sell? For example I have nvidia now 90% up, crowdstrike 41%, qualcomm 37%, snowfake -36% and l have no idea when to sell 🤷.

@scurvysailor165 4 ай бұрын

I feel like you should sell Nvidia. I feel like the run is over, and it’s due for a big correction. The volatility started getting a lot higher ever since it hit 140. Who knows though 🤷🏻‍♂️

@blessed8543 3 ай бұрын

crowdstrike sell aged very well

@minhtrandds 4 ай бұрын

Thanks

@savannahtraderful 4 ай бұрын

Seems SOFI moves on earnings calls and not the direction expected. Q1 beat estimates by .01 but share price has been declining since then.

@RoccoHunter-cq7eq 4 ай бұрын

I see ticker Sofi and SFY which one should I aim for in the long run, love your content ,thanks

@r1tz97 4 ай бұрын

SFY is just their version of S&P but SOFI is the company

@RoccoHunter-cq7eq 4 ай бұрын

@@r1tz97 Thanks Mate

@InvestorYOU 4 ай бұрын

SFY

@Investwithme28 3 ай бұрын

I have Sofi 😊

@blueberrrry 4 ай бұрын

their partner Pagaya has an even bigger potential, probably 100x in 5 years

@Segura-x4k 4 ай бұрын

SoFi approves this advertisement.

@dc1219 4 ай бұрын

Its got too high retail ownership, they won't let it run until they shake out retail.

@ChyeHeng17 4 ай бұрын

For the past one year for what has been happnening with Sofi, great Company shit Stock. UPST is a great example of so-so company with a lot of troubles, less strong balance sheet, however, always received a lot of love as a stock and extrmeely volatile. UPST however low it went, it did manage to climb back many times. I've lost count how many times Sofi, was trading consistently below $7. Had I shorted Sofi more than long it, I would have made way a lot more money. Crazy to think about it. Look at other companies with similar performance as Sofi, and they trade higher prices. So fed up with Sofi, not gonna add any more shares for Sofi as of now. It has today finally broken the even 52-week low.

@FinTek 4 ай бұрын

The ups and down have been incredibly rough, but I have to assume the stock price will long-term match the company's value

@ChyeHeng17 4 ай бұрын

@@FinTek What's your average price, and amont of shares for Sofi?

@cbmecheng Ай бұрын

You forgot the mechanical engineering degree. Important to his personality.

@FutureIsBetterThanThe80s 4 ай бұрын

The video was so entertaining that I missed the details of the content. 😂 Please give us the some thinking breaks after important statements

@PlasticPellets 3 ай бұрын

Meatus

@Prexotrex 4 ай бұрын

Sad that you don‘t have X

@FinTek 4 ай бұрын

I have an account, but I haven't been active on it. Mostly I'm focusing on Instagram and KZbin for now, but I'd love to share more thoughts on X/Twitter in the future as well

@Prexotrex 4 ай бұрын

@@FinTek you always get a different perspective reading people discussing sofi or a different stock

@Nk32483 4 ай бұрын

Bro your videos always hype this stock and it goes down. Do they pay you to promote it?

@FinTek 4 ай бұрын

The way I pick companies is by finding businesses I think are undervalued. Since SoFi has a valuable business, I see the stock dropping as being able to buy the business at a discount That only works if you're a long term investor though, so I only put money in that I won't need for 5-10 years

@alfredwatkins4316 4 ай бұрын

There are a few KZbinrs that has been pushing this company for a while now and I still yet to see any growth. They must be getting paid which I think is very dishonest and I ended up skipping them when I want to watch videos about the subject. I sold my shares and broke even. Luckily I didn’t lose anything.

@FinTek 4 ай бұрын

I think the company has had exceptional growth; that growth just hasn't been reflected in the stock price. In general it's more important for long-term investors to focus on the company rather than the stock price, so I've been overall pretty happy with SoFi since I first bought in. In general, it's illegal in most countries for someone to accept payment to promote a stock without disclosure, but it's possible some of us just like the stock :)

@ericwong0401 3 ай бұрын

I know they got innovative, but their price just keep downtrend, why ?

@FinTek 3 ай бұрын

I think it's mostly due to macroeconomic conditions - as long as they make most of their money from lending, SoFi's stock will be very sensitive to interest rates and decisions by the FED