SoFi BANKRUPTCY Scare: The Truth Behind SoFi's Rising Stock Price
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- Опубликовано: 7 фев 2023
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SoFi is one of the most exciting fin tech stocks in the market, but many fear Chamath Palihapitiya's former SPAC is burning through its cash reserves and will soon become bankrupt. They call out specific areas such as SoFi's high Stock-Based Compensation and negative Free Cash Flow as warning signs that CEO Anthony Noto is leading the company astray.
At the same time, SoFi is growing their revenue at 52% year over year according to their latest earnings report for Q4 2022 (which were released in early 2023).
SoFi started out as a student loan company, offering graduate loans across the country. They then expanded into new areas of lending such as mortgages or personal loans. But since they went public via a SPAC merger led by Chamath, they have since moved into new areas like financial services with their apps SoFi Money or SoFi Invest, their Galileo Technology Platform, or their credit card.
In this video I look into the rumors of SoFi's potential bankruptcy to separate fact from fiction. This can help give us insight into SoFi stock's potential in both the short and long term.
Here's the Seeking Alpha Article on SoFi's SBC: seekingalpha.com/article/4568...
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This is VERY Simple. Just look at the LAST 5 QUARTERLY EARNINGS… ALL BEATS!! SoFi is NOT going bankrupt!!
Yeah he has puts and they went bust on him
Thank u !
SoFi is the anti-Robinhood. I hope they pull out ahead. They are better than Acorns too.
Robinhood runs their platform through Sofi so I wouldn’t call Sofi the anti-Robinhood.
Good video. I would appreciate it if you linked my article since you drew so heavily from it for the SBC portion of the video. Thanks
Done! Sorry it wasn't on there in the first place
Thanks
Dead cat bounce! They still have a subpar investment platform! I regret moving my Roth to Sofi! Their drip policy does not make sense at all!
can you give us a video before NET Earnings? thanks bro @Fin Tek
The nine-month share outstanding doubled.
False. There's a dilution limit. 5% month. They were only going to 2% last year and it's been less than q% recently
429,750,486 => 893,455,206
Is SoFi invest trustworthy.
I love macroaxis, very reliable and accurate predictions.
Ive been saying sofi is crap on here for over a year now. To sum up they dont have a moat or an edge over banks and they spend too much money. I find it extremely hard to believe that they're gonna somehow get all this cash from funneling customers in and repackaging loans such as student debt at cheaper rates, and that the banks are just gonna sit on the sidelines while they have all their customers going elsewhere
You could be right, but they're also offering the highest APY for savings accounts these days. Not to mention their technology platform keeps expanding
@@philip6907in my country the APYs for banks are relatively low because they have had strict rules since the GFC and now have a lot more cash on hand. In other words they aren't demanding customer deposits via savings accounts that's why the yields haven't gone up as much as their interest rates for mortgages. This is actually what's happening I'm not making this up. Eventually APYs from Sofi will have to realign because they're bleeding cash
Such bad research for this video...
Which parts do you think are incorrect?
Yes big mouth grace us with your genius
The stock based compensation you talk about right? Over 75% of those are performance based, meaning they will only get paid out to execs if the stock averages above 20 for 6 months, and the next levels are at 30 and 45 i believe. So they are only getting those if the stock fking goes 10x. The thing is these still have to go on the report even tho the company technically still has the money. And performance based units dont dilute the market. If you discount these stocks they would already have been profitable last q. After that i didnt watch further cause u clearly didnt put effort into this vid lmao.
@@onerelic1337 Only about 33% of it is performance-based. I wrote the article that he drew heavily from and consider myself an expert in SoFi's SBC
@@ChristopherHoeger we want you back on sofi podcast bro :)
Thank you for the info, I’m so glad I bought some sofi shares after watching your videos
@@mikewu9483woah like every new company 😂😂 like Amazon and Tsla for the 1st 10 years of there life
@@mikewu9483 all I said was every company starts and unprofitable.. which is true 99% of the time… just becusse a few years of unprofitability doesn’t automatically mean bankruptcy..
Sofi Gonna hit all time low this year I'm out of this play