Sentiment: Positive
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Do you think SOFI is actually manipulating its accounting, or is Muddy Waters Research trying to profit from a drop in the stock?
Personally, I think Muddy Waters Research just wants to profit from a decline in the price of $SOFI, which is why their report was so strongly negative. SoFi is a regulated bank overseen by US authorities, including the Fed, so the scope for major...
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The CEO of SoFi, Anthony Noto, bought 56,000 shares of his company at an average price of $17.88 per share. The stock hasn't reacted much to this news so far, but for me it's great news because it shows that management believes in further growth of the company and that the shares are currently trading at an attractive price.
What do you think about this news? Are you planning to...
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If I'm not mistaken, the CEO is also incentivized to a higher share price — he has a bonus set at $25 per share by June 2026. The performance award is 2,145,000 shares.
So the purchase could also be an attempt to support further buying and thereby push the price up.
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SOFI – why to enter and why to stay away
$SOFI is an interesting fintech name that over the past few years has transformed from a company focused on student loan refinancing into a full-fledged digital bank. Today it offers banking services, investing, lending and other financial products within a single app. It primarily targets millennials and Gen Z and positions itself as a...
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It's one of my large positions and I want to hold it for as long as possible. It has its risks, but I definitely see more benefits and positives. The stock will almost certainly not drop to $12, and I think $22 is not a price to sell at, but a fair price to buy at.
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📊 Tomorrow we have SoFi's results and I personally think the company will deliver strong numbers and show that the number of customers continues to grow. The stock is down year-to-date and sentiment isn't great, so we'll see if that changes tomorrow.
What do you expect from the results of $SOFI?
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I believed in the upside, but after today's Microsoft I'm not so sure anymore.
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Shares of $NU have recently been hitting new all-time highs and keep rising. They grew by more than 50% just last year, and I think this year could be similar. The company is growing incredibly fast and is slowly catching up to $SOFI. I started buying last year, and if the price is lower, I’d be happy to buy more.
What is your opinion on $NU?
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Dave Inc. (DAVE) has a higher percentage upside potential compared to Nu Holdings (NU) because it is expanding faster in the U.S. market and its current valuation (the share price relative to earnings or revenues) is lower than its own historical average.
For a beginner investor this means the following: a stock’s valuation is measured with simple ratios, for example P/E (price divided by earnings per share). If Dave historically averaged a P/E of around 40x but is now only at 23x, that means the stock is currently “cheaper” than it used to be. If the company continues to improve (e.g., revenues grow by 37% in 2025), the share price could revert to that historical average — which would imply gains of tens of percent, perhaps 50% or more.
Unlike Nu, which has a larger market capitalization (USD 86 billion vs. USD 3 billion for Dave) and a valuation closer to its average (P/E 34x), Dave offers a larger “margin of safety” for investors — more room for percentage appreciation at the same fintech-sector risk. Analysts therefore favor Dave (rated “Strong Buy” vs. “Hold” for Nu).
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When to sell a portfolio winner? Hold like Buffett, or realize the gains?
Personally, I think that if an investor has a stock in their portfolio that serves as the main source of growth, they should hold it as long as possible—until its valuation becomes unreasonable (for example, like with $PLTR) and as long as growth doesn't slow or the company's fundamentals don't deteriorate...
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Like Buffett, but I trimmed AJG because it wasn't doing well and APH because it was doing well.
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Bulios Black
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Beautifully diversified portfolio. I wish you lots of luck in the New Year.
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Which sector besides technology do you find most interesting right now and see potential in?
In my opinion, the healthcare sector certainly has a lot of strength; it has been growing significantly in recent years, and we can clearly see that in companies such as $NVO or $LLY.
As my second choice I would pick fintech, because not only young people today dislike traditional banks....
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When I wrote two days ago that "if you wouldn't ramble" and that "some here are guided by impressions instead of facts," my post was deleted. But when someone writes outright nonsense here, like Lukáš Nekvapil — he specifically writes that "the healthcare sector has been growing significantly in recent years," which is nonsense, since it fell by more than 10% last year — that's fine...
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Which sector, besides technology, do you find most interesting right now and see potential in?
In my opinion, the healthcare sector is definitely very strong; it has grown significantly in recent years, and we can clearly see that in companies such as $NVO or $LLY.
As a second choice, I would pick fintech, because not only young people today dislike traditional banks. Companies...
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Not healthcare by a long shot... it’s such a complex business that I basically don’t understand it deeply enough to put my money there... for me, the biggest potential right now is definitely Aerospace and Defence, and at least in the short term, heavy industry as well.
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It’s probably not too late, but I personally wouldn’t buy now. If you plan to hold it for another 15 years, then it doesn’t really matter.
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It's probably not too late, but I wouldn't be buying right now. If you plan to hold it for another 15 years, then it doesn't really matter.
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Shares of $SOFI ended yesterday with only a +6% gain after strong results. However, after the market closed, the company announced a public stock issuance of approximately $1.5 billion, sending the stock down 8%. It's not ideal and I'm not happy about it, but I believe the stock will bounce back soon.
What do you think? Do you think it's the right move?
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They need the money, and such a correction doesn't matter at all because the stock will come back quickly.
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SoFi will be reporting results this week and I'm curious to see how it plays out and what the stock reaction will be. I have a fairly large position and unless fundamentals change, I will continue to hold despite the high valuation.
What do you expect from $SOFI'sresults ? Does it still seem reasonably valued to you?
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📅 This week's key events!
This week is really full of important macroeconomic events and also corporate results. Here's a list of the most interesting things I'll be watching.
📈 Tuesday
JOLTS Job Openings - Let's keep an eye on the tightness in the labor market. Fewer job openings could signal a cooling economy.
Consumer confidence in the U.S. - An important barometer of future...
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Agreed. Also, there is strong support around $15, and if the allegations aren't proven, there would be significant upside potential.
The decline in SOFI's share price was caused by other factors long before Muddy Waters' short report.
If the accounting manipulation is proven true, the problem won't be limited to SoFi alone but will also implicate the regulators responsible for oversight (the Fed/OCC).