SOFI - SoFi Technologies Inc.

Host remains bullish on SoFi despite finding the Goldman Sachs fireside chat boring and a reiteration. He highlights healthy consumer credit, strong member growth, and long-term potential. Not changing his mind.

Potential S&P 500 inclusion candidate (market cap ~$22.7B) and expanding Kraken/Payword partnership; SoFi USD stablecoin launching. Notes products take time to scale but sees incremental positive catalysts and plans a deep dive.

Host notes SoFi is up 4.5% and reacts to a chat comment that it is overdue to explode, appearing to agree with the bullish setup.

The host is very confident in SoFi, citing a forward PEG ratio of 0.58, a price-to-earnings ratio of ~23x, consistent earnings and revenue beats, conservative Wall Street estimates, and growth catalysts from untapped business lines. Scotiabank's $25 price target is viewed as potentially conservative.

SoFi is performing very well with strong member growth, cross-selling, and underwriting; the stock is a 'coiling spring' that should work once sentiment/rates cooperate.

The company should be north of its current price with or without a crypto boom; it is 38% of the host's portfolio and crypto revenue is still tiny but could become a new stream.

SoFi demonstrates superior member growth (153% over 3 years vs 76%), higher revenue growth (146% vs 117%), higher adjusted EBITDA margins (30% vs 15%), lower and more consistent customer acquisition cost (~$300-350), and a much cheaper forward P/E (24x vs 49.7x). The creator is extremely bullish and believes it's a great price to buy, especially compared to Chime.

Host holds SOFI and considers it undervalued within his portfolio; revenue growing 40%, guiding 30%+ growth, EPS growth 40%, and it consistently beats estimates.

Host agrees with Piper Sandler's overweight but believes the $22 target is sandbagged. SoFi guides 30% revenue growth and ~40% EPS growth; host expects continued beats and margin expansion.

Listed as a zombie stock: burning cash and unable to cover interest payments; high dilution risk.