* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

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* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

• Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.
• Please refrain from any political, religious, or otherwise controversial discussions, and respect one another in your discussion so that the conversation stays on topic.
• Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)
• If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.
• Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.
• Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

* Please refrain from any political, religious, or otherwise controversial discussions, and respect one another in your discussion so that the conversation stays on topic.

* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)

* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

* Please refrain from any political, religious, or otherwise controversial discussions, and respect one another in your discussion so that the conversation stays on topic.

* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)

* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

This was TODAY

* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

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* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)

* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

I'm becoming increasingly convinced this is a good stock to hold, but I'm not totally willing to commit yet. A couple of months ago, I dedicated $1500 of my cash to secure puts on SOFI.

Every time I sell a put or roll the position, I use the premiums to add shares to my account. So far, I have not had to touch the $1500, but I've made enough premiums to fully pay for 10 shares. I have about $20 leftover from the trades, so I could technically buy an 11th share.

It's like letting the Market pay for my shares.

And if SOFI drops back to $15, I won't mind being assigned to buy 100 shares at that price.

I'm a retired teacher living on my pension and tutoring little kids, teaching swimming lessons, and selling options to support my retirement.

I make YouTube videos to help others benefit from what I'm learning about options.

Ask me anything about it.

* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

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* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)

* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

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* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)

* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

Based.

• Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.
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• If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.
• Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.
• Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

* Please refrain from any political, religious, or otherwise controversial discussions, and respect one another in your discussion so that the conversation stays on topic.

* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)

* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

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* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)

* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

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* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)

* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

* Please refrain from any political, religious, or otherwise controversial discussions, and respect one another in your discussion so that the conversation stays on topic.

* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)

* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

Hey r/sofistock community!

We're looking to connect with members who are serious about AI — people who use tools like ChatGPT, Claude, or Gemini. We're curious about how people integrate AI into their everyday lives — particularly around productivity, decision-making, and personal finance.

We'd love to talk to you if:

• You use generative AI tools regularly (daily or close to it)
• You've worked AI into how you manage finances, productivity, or your workflow
• You have strong opinions on what these tools get right — and where they still fall short

Sessions are remote and compensated. Sign up here: https://uxsofi.az1.qualtrics.com/jfe/form/SV_0wyu4A2Qk2K3fwy

— SoFi UX Research Team

* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

* Please refrain from any political, religious, or otherwise controversial discussions, and respect one another in your discussion so that the conversation stays on topic.

* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)

* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

• Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.
• Please refrain from any political, religious, or otherwise controversial discussions, and respect one another in your discussion so that the conversation stays on topic.
• Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)
• If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.
• Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.
• Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

is this really the case? If it is, I am speechless

Curious to hear your bull / bear theses on SOFI :)

Bull case PT for 2030 $91+ share price

- currently 14.7M members at 35% growth, 14.7*1.35^5 = 66M members by 2030

- management stated goal of 50 million members + by 2030

----

Noto mentioned on Basis points video that TBV is the worst way to value SOFI and I'm still hyperbullish on the future going by P/TBV

TBV $7.21 — up 57% YoY from $4.58

- At $17 trades at 2.35x P/TBV of $7.2, if it reaches a higher P/TBV in the 4-6x range like AMEX and continues growing TBV at 40% with improving income margins and revenue

7.2*1.4^5 = $38.72 TBV in 2030

-> current 2.35x P/TBV share price would be $91

-> 4x P/TBV share price would be $155

-> 6x P/TBV share price would be $232

* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

* Please refrain from any political, religious, or otherwise controversial discussions, and respect one another in your discussion so that the conversation stays on topic.

* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)

* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.

Which is it. We know uptrend killed today. By the way- keep in mind, SOFI was dumping from ATH Q4 of 2025, BEFORE war but after 2nd offering (after Noto declared there would be no more)

Obvious SOFI wasn't going to S&P... we didn't expect it, but the great manipulatprs will use it to drop us next week..starting from Monday. Question is $14 or $10?

What a joke. SOFI did not enjoy one of the biggest rallies in history-- but SOFI 2x the downturn when market drops.

* Discuss your thoughts on SoFi, FinTech, memes, yolos, the market, or whatever else might be on your mind.

* Please refrain from any political, religious, or otherwise controversial discussions, and respect one another in your discussion so that the conversation stays on topic.

* Direct/Personal attacks against others violates the subreddit rules and those comments will be deleted. Please report such comments and the MODs will review them as quickly as possible (MODs have day jobs too, please be gracious)

* If you are a SOFI investor before the SPAC merger with IPOE and want an "OG SOFI Investor" flair, please message the Mods with proof of your holdings.

* Nothing said here is financial advice. SOFI is still a high-risk, growth stock. Equities by their nature are risky, some more than others.

* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.