Should YOU BUY SoFi Stock NOW? - SOFI Stock Analysis
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- Опубликовано: 25 июл 2024
- 📉 SOFI Stock Analysis: Major Moves & Big Predictions! 📈
After SoFi stock hit an all-time low of $4.61 at the end of 2022 and then soared to a high of $10.32 in 2023, it's now plummeted more than 35%!
What’s happening? 🤔 We’ve got the latest SoFi stock news and insights to help you understand the current market tumult.
In this comprehensive SoFi stock analysis, we'll explore:1. 📊 Business Model: What does SoFi do, and how does it make money?2. 🌟 Opportunities & Risks: The latest SoFi review with positives and negatives.3. 💼 Valuation & Predictions: Detailed SoFi stock forecast, DCF valuation, and SoFi analyst estimates. Is the SoFi CEO making the right moves by buying more shares?
With SoFi earnings on the horizon and mixed signals from major investors, this in-depth SoFi stock update will cover everything you need to know. Is SoFi one of the best stocks to buy now or should you stay away?
For more on whether SoFi is one of the best stocks to buy now or if you should stay away, watch until the end for our final verdict!
🔍 What you’ll find in this video:- A dive into SoFi's business model and strategy- The latest SoFi stock update and investor moves- Detailed SoFi stock forecast and future predictions- In-depth SoFi earnings analysis and what it means for you- Key insights from SoFi analyst estimates and market trends
Don't miss out on this thorough SoFi stock review! Whether you're a current investor or considering jumping into SoFi, this video provides all the essential information to make an informed decision. 📊💼
👉 Watch now and get the latest scoop on SoFi's potential! 🔔 Hit that Subscribe button and smash the Like button if you enjoy deep-dive stock analyses like this. Share with fellow investors who might benefit from this comprehensive review!
Remember, investing in the stock market involves risks. Please consult with a financial advisor to assess your individual needs and risk tolerance before making investment decisions. Ken Freeman’s insights are aimed to educate and should not be taken as definitive investment advice.
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OVer the last 4-months, I have and am watching a lot of SOFI videos on a daily bases. Excellent insight, review and analysis. Facts vs opinions. one of the best SOFI video reviews I have watched. Well done! Stay on SOFI!
Thanks for the comment!!! As for the analysis, thank you for the feedback 🙌🏼. My background is Wall Street Finance with 20 years of experience so, that is how I approach my analysis. It is all about Fundamentals, 3-statement Financial Models culminating in a DCF Valuation and let the chips fall where they may. People are very opinionated on the stock and I mentioned the positives and negatives, it's up to the viewers to make their own choices, but I try to do my part by being objective and providing a rigorous analysis. Have a great day 😃👍🏼
I love your very animated facial expression and overall delivery. Excellent video... I'll give it a like and sub for the effort
Thanks for the comment!!! Welcome to the family!!! I’m glad that you enjoyed the video🙌🏼
This is by far the best analysis of SoFi I have ever seen. Thank you for presenting this video in such a professional manner. I have been doing my own research on this stock and your analysis solidifies my decision to continue to invest in SoFi. I have been DCA into this stock since 2022 and I have accumulated a ton of shares, now I am more confident that this will be a long term winner.
Thanks for the comment!!! And thank you for those kind words Tom!!! As a little background, I have 20 years of experience on Wall Street so, you are getting for FREE what most investors pay thousands for, no joke. I also train Investment Banking & Equity research analysts and have a Masters in Financial Mgmt with a concentration in Investment Analysis so, while most other RUclipsrs talk about charts, trends and other irrelevant nonsense, I look at the data objectively, take a very conservative view and share my results 🤓👍🏼 Please feel free to share with others who you think would find this useful and please check out my other models and analyses where you’ll get a flavor of how I approach investing. Have a great day!!!😃
@@kenfreemancfa I will do my best to get others on board😊
Great vid. New sub. Loved your delivery
Thanks for the comment!!! Welcome to the family 🤗 I appreciate the feedback 😃👍🏼
Nice Analysis. Should get some great price action soon. We keep talking about 10x long term, but this can 1 to 3x this year alone. Major buying opportunities with minimal downside. The dow side at this point is just based of big money shorting it.
Thanks for the comment!!! I agree with you that the upside significantly outweighs the downside, but the volatility is key here and a good quarter may blow out the shorts and cause the stock rise quickly. Only time will tell, good luck!!! 🍀👍🏼
nice and clear! thanks Ken!
Thanks for the comment!!! I’m glad you enjoyed the video!!! 😃👍🏼
Very solid analysis 👌
Only thing I would add is ref their unsecured personal loans - the WA FICO score for their PL customer is 740+. All "Prime Plus" and above.
In the three years following commencement of the GFC, delinquencies for this cohort of borrowers increased less than 1%, "Super Prime" increased 0.3% 🙂.
They would fare much better in a recession akin to the GFC of '07/'08 than bears would expect!
Thanks for the comment!!! And thank you for the feedback & for that incredible insight!!! I love DATA 🤓, especially when it helps us to stress test a scenario. This is incredibly helpful information and I agree that it makes me cross off the “negative” of 70% unsecured loans in their exposure. These are VERY high quality borrowers, as you indicated. Hopefully we don’t come anywhere close to another GFC anytime soon!!! Have a great day 😃👍🏼
@@kenfreemancfa Same to you my friend!
Great video I’ve never seen a breakdown like this 👍
Thanks for the comment and the feedback, I appreciate it!!! I have 20 years of experience on Wall Street so, the analysis is exactly what you would find at any major Investment Bank, a Fundamental Analysis with a 3-statement Financial Model culminating in a Discounted Cash Flow (DCF) valuation. I enjoy digging into company financials and breaking them down. Have a great day 😃👍🏼
Great review, thanks!
Thanks for the comment, I appreciate it!!!😃
Great insight as always!
Thanks Bro, I appreciate it!!! 😃👍🏼
Great video!!.
Thanks for the comment!!! I appreciate the feedback!!! 😃👍🏼
Wow. This was a super presentation. Great flow and use of transitional graphics. Im new to investing so I dont understand alot of this information but I have started a position in SoFi. Thanks for confriming with data what I was only guessing at!
Thanks for the comment!!! I’m glad that you enjoyed the presentation and that you found it helpful!!! Good Luck with the investment 🍀 As I said in the video, upside appears to outweigh the downside by a lot, but be prepared for some volatility in the short term 🤩👍🏼
@@kenfreemancfa I have positions in Tesla, YieldMax ,and Definace funds too so volitility is my middle name. I know crazy. (Most of my money is in Cash and 401k)
LOL!!! 😂 You definitely know volatility very well based on those companies!!! I’ve built a couple Financial Models on Tesla in previous videos and also reviewed Elon’s Pay Package in another video, feel free to check them out. I’m very bullish on Tesla 📈🐂
@@kenfreemancfa Crazy but I've made my intitial investment back some how. I'll take a look at the TSLA video but I'm going to digest your Palantir video next. Paypal might be an interesting video to put on your radar if you think its worth it! Cheers!
Thanks for suggesting PayPal, I’ll give it a look. Lmk what you think about Palantir 😃👍🏼
New sub!
Welcome to the Family!!! 🤗 Thanks for following, feel free to check out my other Valuation videos, I structure them in the same fashion so they are easy to follow without having to spend too much time, enjoy!!!😃👍🏼
2 things i noticed about sofi which is why im buying a bit whenever its below 6.50.
1) Cramer doesnt like the stock (bullish indicator)
2) in q1 2024 hedge fund ownership increased by 14 mil shares over q4 2023
Thanks for the comment!!! Cramer is such a clown, I agree, he is a money losing machine🤡. Interesting to note on #2, hedge funds aren't dummies. Also, the CEO bought about $200K of stock at an average price of $6.48 and I don't know anyone willing to flush $200K down the toilet. As the analysis showed, upside is greater than downside BUT it is a very volatile stock. It will be interesting to see how the next earnings pan out. Have a great day!!!😃👍🏼
Hell of a review, thanks for the effort!
Thanks for the comment and the compliment, I appreciate it!!! 😃👍🏼
@@kenfreemancfa Subscribed! You don't have to but ... check out and if you can review RKLB, IBRX, SOUN and NU
Awesome!!! Welcome to the family!!! 🤗 I’ll take a look at those tickers, I’m always looking for new companies to analyze & dig into 😃👍🏼
@clausbohm9807 I dropped a video on SOUN today, check it out!!! #ForThePeople 😜👍🏻
Very interesting and well made analysis! I've used sofi before back in 2020 so it would be really cool to see the company succeed, and I hope everyone who has been bag holding all this time finally get to see some green xD.
Thanks for the comment!!! You are the second person who mentioned using SoFi. The other person just said they had a bad experience but didn’t provide details. 🤷🏼♂️ The company financials have a positive trajectory, margins are expanding, customers are growing rapidly and if it continues then, investors will be rewarded. That being said, with a Beta of 1.75, it could be a bumpy ride in the short-term. Have a great day 😃👍🏼
Sofi is less than 4 months away from reporting a full year of GAAP profitability. this will be a game changer and they’ll no longer be able to call Sofi a money losing company.
Thanks for the comment!!! Achieving GAAP Profitability will be a huge win for SoFi and will open up a whole new potential range of Professional investors and fund managers that will be willing to invest. It should also help to decrease the volatility of the stock as well👍🏼
Great job on the valuation! One thing you didnt really touch on was shorts. Im curous your thoughts on all the shorting on this stock and how i/ why ts being pinned down even on positve earnings. When there is bank type fear ( or excuse ) wallstreet treats SOFI as a bank. When its a tech type fear ( or excuse ) with regulations etc wallstreet treats SOFI as Tech company. But everyone misses the best part of this it seems and that is diverese income streams isolating it from some downside if certain prodcuts decline. Im all in on this one 92k shares @ 7.12 even have a little under half on margin so i'm a beleiver!
Thanks for the comment!!! In looking at the data from Nasdaq, short interest is 186mm shares or 17.5% of the outstanding shares and based on avg daily trading volume of 36.7mm, it would take a little more than 5 days to cover. At this point, considering the limited downside shown by the analysis, it is more risky being short than long and if there is a positive surprise then, we could see a short squeeze and a GameStop type of pop in the covering. I could honestly do an entire video on the short aspect of the stock alone. It appears, like you mentioned, that Wall Street treats SoFi as a bank or a tech company when it fits the narrative. As long as you have a long term focus, you appear to be in good shape at 7.12. The people who are very salty in the comments are probably in above $10 so, they are angry at the drop, but once the company reports positive GAAP earnings, it will get on the radar of Institutional Investors. Good Luck and thanks for your insights!!!😃👍🏼
Great video I hold Sofi and it’s looking like it’s ready to run soon! I also hold MPW and I’m a little less convinced if it’s a good hold if you could make a video like this that would be great!
Thanks for the comment!!! A Healthcare REIT like MPW is a very interesting case. REITs were negatively impacted across the Board due to rising interest rates and MPW has had additional challenges on top of that. I’ll add MPW to the list of Analysis requests 😃👍🏼
@@kenfreemancfa Thank you!
Thanks for posting Ken! I think sofi may have a lot of upside but just based on its history if it ever is able to get to a more accurate valuation it will probably be in a few years. Sofi has a lot of negative opinions on it I have a hard time doing anything but staying away from this horse either long or short.
Thanks for the comment Cooper!!! Yeah, SoFi has a 10x upside relative to downside, BUT it is still integrating 2 major acquisitions that occurred in early 2022 and it has a very high exposure to unsecured personal loans (70%) which can cause major problems if / when the economy slows so, there are multiple moving parts which makes it hard to have a ton of confidence in the stock.😁👍🏼
I haven’t invested in SoFi, I probably will in a couple weeks before its evaluation. What scares people is hearing people who have owned this stock for a long period of time. I just want to get it before it pops.
Thanks for the comment!!! I would not be happy if I had owned SoFi at the IPO price, the all time high of $25+ or even at $10-12, BUT right now the analysis showed $1 downside to $10 upside so, while there is volatility, it is a safer entry point. And the fact that the CEO just bought $200,000 of the stock at $6.48 is a pretty solid positive indicator 😃👍🏼
Why buy at 6.50 if I can buy in the 6.30 ? Which I did but now I’m having to average up for more shares??
Thanks for the comment!!! I completely agree with you!!! I chose $6.50 because it was close to the closing price when I did the model 😊 If I am building a position in a stock, I will pick a price, set a Limit BUY order and check back later. With the level of volatility that SOFI has shown, you could get filled at a $6.30 even though the stock may open and close nowhere near that level. Good Luck!!!🍀
All time low was 4.24 and the highest it has traded since that low was 11.70 bro
Thanks for the comment!!! The data I was looking at was based on weekly closing prices and you are looking at intraday trades. I figured there was a 1 in 8,500 chance that someone would mention it so, I guess I was right about that 😜 Thanks for pointing this out, have a great day 😃👍🏼
@@kenfreemancfa glad I can be the 1 in 8,500 lol 😂😂
You get the Gold Star!!! ⭐️🤣👍🏼
My research shows QFIN with a 3 Billion Market Cap and a 16 Billion Revenue. What is happening here? It seems they a based China company but what's with the disparity?
Thanks for the comment!!! Chinese companies tend to trade at a discount relative to similar US companies because investors do not have the same level of oversight and protection as they do in the USA. The major difference from a business model perspective is that QFIN also offers loans to small & medium sized enterprises (SMEs), while SoFi is solely focused on individuals and not businesses. In addition, though the business is similar, it is a completely different market economy exposure (China) so, you are really betting on the power of the Chinese consumer and the economic data coming out of China has not been as strong as in the past. Hopefully this helps!!!🤓👍🏼
Noto is not buying with his own money at those price points if he knew it was going to drop significantly.
Thanks for the comment!!! I 100% agree!!! It’s like the Peter Lynch quote I shared in the video: “People will sell a stock for many reasons, but there is only ONE reason anyone buys a stock…because they think it is going up.” Noto spent almost $200,000 on his purchase of SOFI shares, he is putting his money where his mouth is 🤑
His purchases add up to 14M
I wouldn’t own 14mm of anything unless I thought it was going up. Gotta give him credit, he’s putting his money where his mouth is
great video! could you cover SOUN? its an AI company that has customers such as KIA HONDA CHIPOTLE etc.
Thanks for the comment!!! You are the 2nd person to ask about SOUN 🤓 I’ll dig deeper but a quick glance shows it has -63 million in EBITDA and we need positive EBITDA to do a DCF valuation. That being said, if they become EBITDA positive in the near future then we can do it. I’ll dig into it and see if it’s feasible to build a Financial Model for it 💪🏼😃👍🏼
@@kenfreemancfa that would be absolutely amazing! please do some digging. I read that they have a $600M revenue backlog due to customers wanting their AI interface. White castle is one of their customers.... just imagine if Mcdonalds or some other big names join.
Nvidia has a huge stake in SOUN too. So they see value in their AI tech.
Very interesting, I'm digging, stay tuned!!! 😬
This is a very interesting data point, thanks for sharing!!! 😃👍🏼
Good info. The sound effects are distracting.
Thanks for the comment!!! I’m like you, I don’t need sound effects or jump cuts, just give me the analysis and info. 💪🏼 The problem is that 99.9% of people aren’t like us so, not having something to keep people engaged causes the video to flop 💣 I appreciate the feedback, have a great day 😃👍🏼
@anrod185 We fixed the sound effects for the latest video on SOUN, please take a look when you have a chance and lmk what you think, thanks!!! 😃👍🏼
I tried signing up for a bunch of sofi products to see what the hype was about, and my experience was so awful i scratched it from my watch list.
Thanks for the comment!!! Just out of curiosity, was it for a student loan refi? Home or personal loan? Brokerage account? I’d love to hear more about your experience with SoFi. I have personally never done business with them.
@kenfreemancfa student loan for family member, and checking, savings, brokerage for myself. I was expecting a sleek tech savvy experience. Instead, I got features of the website that didn't work, 800 numbers that were disconnected, an automated telephone system that was awful, and customer service reps that were useless. A much poorer experience than my traditional bank. I think seeing this as a "fintech" is just marketing, all they are is a online version of a regular mediocre bank
Thanks for the detail, I appreciate it!!! So far you are only the second person in the comments who has actually done business with them. Student loans are their bread and butter, but I figured that checking / savings / brokerage would be a little out of their wheelhouse. I have used Bank of America, Wells Fargo, Key Bank, Ally Bank and E-Trade and have had good and bad experiences with all of them, but I feel a little more secure using larger well-known institutions. “Online Mediocre Bank” doesn’t sound as sexy as FinTech, lol 😂 My only guess is that the average SoFi customer is a younger and “anti-Big Bank” kind of person, definitely a much smaller niche for sure 👍🏼
What happened you couldn’t get a loan cuz your credit fucked?
@Truth-hurts-890 what? Um no not at all. The technology and service of this company just sucked.
What does your portfolio look like?
Thanks for the comment!!! My portfolio is pretty boring actually…bulk is in VOO (S&P500). As for individual stocks: AAPL, ACI, AMZN, BRK-B, COST, GOOGL, JOBY, KR, MA, MSFT, MSFT, NVDA, TSLA. That’s it 😃👍🏻
Thanks for the quick reply, I would find a video explaining your portfolio and investment rationale very interrsting. From your videos it seems like you pass on many stocks besides your valuations telling you it is a good opportunity
This is good to know! I’m happy to do a video like that for sure, but I’ll probably wait until I have more Subs so that it’s not just you and 50 other people who want to watch it 😉 To give you a high level on how everyone should invest, these are my thoughts…if you have a 401K and IRA, max those out (23K for 401K & 7K for IRA in 2024) and invest in VOO (Vanguard S&P500 total return). That has returned an average of 10.1% over the last 100 years (no, that’s not a typo). Every professional investor / money manager is judged based on VOO as a benchmark and 98% UNDERPERFORM over a 10-year period. Once you’ve done that then (and only then), look at individual stocks. I take a Warren Buffett / Charlie Munger approach…buy GREAT companies at FAIR prices, hold them forever and let compounding work its magic for you. Lmk if that makes sense or if you have any questions 🤓👍🏼
Lower the sfx and raise the vocals for God's sake.
Thanks for the comment!!! I appreciate the feedback, I just shared it with my editor. Have a great day😃👍🏼
@dizkrete We followed your advice for our latest video on SOUN. When you have a chance, please take a look and lmk what you think, thanks!!! 😃👍🏼
Why do so so many you tubers make videos for years now, on this crappy stock that is down 34 percent for the year?!! So many more opportunities out there and people have been buying this stock and unfortunately left with the bag?
Thanks for the comment!!! I can't speak for other RUclipsrs, but the only reason I analyzed SoFi is because it is heavily searched and I wanted to see what the story is. Are there better stocks to own? ABSOLUTELY!!! Go check out my previous videos and you will see many that are much better / safer / less volatile. I don't know how many people are actually doing a Wall Street Fundamental 3-statement Financial Model versus reading charts, but I always go conservative with my analysis and let the chips fall where they may. 😃👍🏼
lol, short term investors are so funny. Sofi is a young company that had to transition away from its main business (student loans).
Now we’re still in a high inflation environment with high interest rates and an unfavorable macro environment….
Sofi has a very high short interest that will soon change the more GAAP profitable quarters they report, while Sofi is less than 4 months away from reporting a full year of GAAP profitability.
Just keep thinking the stock will not rally and you’ll soon regret not loading up on cheap shares.
All great points!!! Shorts will get blown up when the stock moves the other way. Like I said in the video, upside significantly outweighs downside at these levels 🚀
Next earnings will stink and Noto will give the excuse that the company is transitioning, etc. Since this stock is hated it will see a significant collapse. This is just my opinion, I might be wrong. I don’t like this stock, calling it AWS of banking is a joke.
Thanks for the comment!!! This is a very volatile stock and the reason I did this analysis is because it is heavily searched on YT so, I had no opinion coming in, one way or the other. People who have been burned obviously dislike the stock and people loading up think it's going to fly. The Technisys acquisition is to try and become the AWS of banking, but they are far from it at this point. The analysis shows more upside relative to downside, but the volatility is what scares me. Noto bought $200K of stock and that is a vote of confidence, but now the Company has to show the market that it is on the right track. Next earnings call will be interesting for sure, have a great weekend😃
92k shares @ 7.12 average and half on margin. Im sick of making margin calls this thing is ready and needs to go on a rip!
A positive earnings or positive news and the stock should 🚀🚀🚀