A Deep Dive into SoFi's Game-Changing Loan Platform Business

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  • Опубликовано: 6 янв 2025

Комментарии • 142

  • @Turtleneck857
    @Turtleneck857 4 дня назад +45

    Best video I’ve ever watched. This guy knows more about SoFi than all analysts combined. Great video! We need more of this kind of real analysis.

  • @Jon_Blake
    @Jon_Blake 4 дня назад +18

    Glad to be here for the first video!
    Happy new year and thanks for all that you do!

    • @DataDInvesting
      @DataDInvesting  4 дня назад +1

      Happy new year, and I'm glad you are here too!

  • @Starblazerr
    @Starblazerr 4 дня назад +11

    You da man! You’re a hero in the Sofi community. Thank you for your analysis.

  • @utherrexuy2359
    @utherrexuy2359 3 дня назад +4

    You are the SOFI GOAT hands down... thanks Chris and keep them coming!

  • @markedgar5678
    @markedgar5678 3 дня назад +9

    I watch several other SoFi videos and also read a few articles. Several of them referenced your LPB report, in order to counter the bad analysis that came out this week. I immedaiate looked up your channel and subscribed. Thank you for creating this video, it was excellent and I will watch and like your future content as well.

    • @DataDInvesting
      @DataDInvesting  2 дня назад

      Glad you found it useful. Hopefully I'll be able to find the time to crank out a couple videos a month.

  • @sagig72
    @sagig72 3 дня назад +5

    HEYYYY.... I'm so happy you also now have your own channel. You rarely come on SOFI Weekly but when you do , I absolutely love listening to you. I hope you'll grow your channel, I subscribed already. I hope you'll post very often, and NOT only about SOFI. It'll be great if you can talk about either your other holdings or your watch list or things you are looking at, but not always only SOFI. Take care my friend.

    • @DataDInvesting
      @DataDInvesting  2 дня назад +1

      I have lots of things competing for my time, but I do hope that I'll be able to expand what I cover over time in addition to SoFi.

    • @sagig72
      @sagig72 2 дня назад +1

      @DataDInvesting thanks so much. Good luck with this new channel. Glad you dis that and I will make sure to watch and support.

  • @Alley00Cat
    @Alley00Cat 2 дня назад +1

    Your article taking down this KWB phoney analysis was absolute gold. And thank you for this great video on the loan platform!

  • @mrusso215
    @mrusso215 4 дня назад +5

    Great first video! Thanks for putting this out. Looking forward to more

  • @teal1983
    @teal1983 4 дня назад +6

    Let's go!! So good that you are here now. Been following you on twitter for quite a while! 🎉

  • @NiMoTalks
    @NiMoTalks 4 дня назад +5

    love that you're posting videos now! Been following closely on X for a while

  • @endeuinable
    @endeuinable 2 дня назад

    Very valuable info and well presented. I'm glad I started supporting your Patreon recently to incentivise the creation of this RUclips channel. Looking forward to more content. Thanks!

  • @dooley85gng4
    @dooley85gng4 3 дня назад +1

    Great video, Chris. Awesome first effort. Look forward to seeing more…! Thanks for all your hard work and effort covering SoFi

  • @dougb8207
    @dougb8207 4 дня назад +6

    I'm sharing your video around; more views on the way! 😂

  • @geneb2131
    @geneb2131 2 дня назад

    Congrats on your first video! Great content as usual - thanks so much!

  • @derekberczyk4335
    @derekberczyk4335 2 дня назад

    Love to see you on RUclips!! Thanks for the great analysis as always!

  • @unborn3671
    @unborn3671 4 дня назад +4

    Unborn here thank you bro 🎉 congrats on your first vid

  • @markpauperas7529
    @markpauperas7529 4 дня назад +2

    Thank you Chris, you have been a calming force since '21, appreciate your hard work !

  • @MrIanB
    @MrIanB 4 дня назад +3

    Truly High quality in depth analysis. it is greatly appreciated by all of us!

  • @StarBuccaneers168
    @StarBuccaneers168 4 дня назад +3

    Great first video, please keep it up!

  • @drbob512
    @drbob512 2 дня назад

    Great video on SoFi's LPB, Chris H, and congratulations on your new YT channel! Please keep providing info & data on YT, and post your forecasts for gross revenues, net revenues, EPS, and 2025 guidance, for us. My forecast is for $.06 EPS for Q4, and guidance of $.32/share EPS for 2025.

  • @ShawnBlyth
    @ShawnBlyth 4 дня назад +3

    We are so appreciative of all the information and well researched opinions you provide DDI! Instant read/watch for everything you post! Thanks so much. Been in SoFi for a while now, do you have any other stocks on your radar that you are diving into?

  • @schoy2502
    @schoy2502 4 дня назад +3

    Chris, I love your article about the bull crap KBW downgrade. Way to go!

  • @tonyg1117
    @tonyg1117 4 дня назад +1

    Woooo!!! Let’s go!!
    Glad you’ve chosen to dive in to content creation - your analysis is so frickin top notch! Thanks for the DD and thoughtful analysis. Keep it up!

  • @marscarlisle6445
    @marscarlisle6445 4 дня назад +7

    Four views and eight likes. This is the most successful video in history.

  • @praveenprakash4494
    @praveenprakash4494 2 дня назад

    Chis you know we all love you right 👍. Thanks for all the info on Sofi it’s helping all of us a great deal . You , Tevis, Tannor , Roy are all Rockstars.

  • @VinnyK84
    @VinnyK84 2 дня назад

    Following X for so long and now a video! Great job!

  • @aaronredfern6475
    @aaronredfern6475 4 дня назад +2

    Love it, can’t wait to see the next one!

  • @rob1111222
    @rob1111222 2 дня назад

    Great analysis! Would love to get your take on a variety of stocks and look forward to more products deep dives!

  • @TheJohnnyMonopoly
    @TheJohnnyMonopoly 3 дня назад +1

    Thank you for all your hard work putting these videos together! Excited for the future and SOFI!📈📈📈

  • @alonsoaldama7224
    @alonsoaldama7224 4 дня назад +4

    By the way KBW did not mention at all this platform in their newest research note……

  • @psychofruit
    @psychofruit 2 дня назад

    Bought at $9. My sophisticated TA: The Chargers play in SoFi stadium and are poised to be very good for a long time. Thus, SoFi gets nationally televised games almost weekly, and huge viewership during the playoffs. Had no idea about any of the financial details, but this video makes me feel like I got lucky

  • @gregorysaunders4643
    @gregorysaunders4643 4 дня назад +2

    Great video! Thanks for putting this together!

  • @ThePaulGardner
    @ThePaulGardner 4 дня назад +2

    Translation: SoFi is about to have a MONSTER year! Wall Street is dead wrong here!
    Thank you Chris!

  • @alexandruleonardcoste2637
    @alexandruleonardcoste2637 4 дня назад +2

    Appreciate your work, Chris. Thanks a lot for the Information you are sharing 🙏

  • @raymize4248
    @raymize4248 4 дня назад +1

    Chris, that was an excellent article, offering great insight into Jordan's track record analysis of SOFI. It would be interesting to compare Jordan's analyses of estimated versus actual for larger financial institutions. Jordan's, SOFI articles seem to reflect a self-interest or motive.

  • @ChristianCardelfe
    @ChristianCardelfe 2 дня назад

    Great video, I love how you explain everything!! Great job

  • @Johndonathan27
    @Johndonathan27 День назад

    Amazing video and analysis as always !!! I know this isn’t financial advice but you’re a big part of why i decided to put 30k in it at $8. Spot on analysis!

  • @SharkTX77
    @SharkTX77 3 дня назад

    Great Video Chris. Happy to see your videos on YT now

  • @mk13546
    @mk13546 4 дня назад +2

    Thank you for sharing this! Keep up the great work 🎉

  • @LowcountryLootandPawn
    @LowcountryLootandPawn 2 дня назад

    I’m so happy for you! You are such an asset to this community and to all investors. Thank you for what you do. Liked and subscribed!

  • @Chris-fl5lw
    @Chris-fl5lw 3 дня назад

    Love that you're making vids, Chris! Always appreciate your insights

  • @nishantpatel2436
    @nishantpatel2436 3 дня назад

    Really well put together Chris - really easy to follow and understand

  • @joezip6389
    @joezip6389 3 дня назад

    Thank You I have a solid SOFI position and added more yesterday, your video show cases why SOFI is a good long term investment. Great work

  • @Doyourrbestt
    @Doyourrbestt 4 дня назад +2

    Good job 👏🏻 thank for the analysis.

  • @zwangdi
    @zwangdi 3 дня назад

    well done. you randomly popped up on my twitter feed ~18 months ago and i've been following you ever since. lot of good insights and i look forward to you doing more of these videos in the future.
    ill be watching 👍🏻

  • @aaronredfern6475
    @aaronredfern6475 4 дня назад +1

    Loved it, can’t wait to see the next one

  • @Krushner20
    @Krushner20 3 дня назад

    The reception here will hopefully convince you to upload more to RUclips Chris, you are appreciated 👌🏻

  • @mjregan88
    @mjregan88 3 дня назад

    Absolute most knowledgeable dude with Tannor

  • @patrickboyer4688
    @patrickboyer4688 3 дня назад +1

    Thanks Chris! Love the video(s)

  • @peterst111
    @peterst111 3 дня назад

    Great dip dive SoFi content.IMO I think that video can be most viewed as “first video on YT starting channel” I appropriate it pls carry on,

  • @ethanudry7771
    @ethanudry7771 3 дня назад

    Great due diligence man! I really appreciate your posts on X as well.

  • @olecram3544
    @olecram3544 3 дня назад

    Excellent description of the SoFi LPB. Thank you

  • @mm-ic1xs
    @mm-ic1xs 3 дня назад

    Great job! Glad I found you :)

  • @JakobMaymann
    @JakobMaymann 3 дня назад

    Thx Chris! Happy New Year!

  • @russellcade1897
    @russellcade1897 3 дня назад

    Thanks Chris , brilliant update as usual and really appreciate all your time 🇬🇧💪

  • @Turtleneck857
    @Turtleneck857 4 дня назад +3

    If you aren’t subscribed, then you’re wrong. Subscribe to this man. He puts insane real analysis into this stock.

  • @noah3538
    @noah3538 3 дня назад

    Very good video! There are so many analysts that only talk about the financial KPIs based on the balance sheet. You however actually look at the business model itself. I think this is way more important to really understand how the company works. Thanks to you I now understand it much better. Looking forward to kore videos

    • @DataDInvesting
      @DataDInvesting  3 дня назад

      I've done lots of covering the high level numbers as well, the channel should be a mix of both

  • @sailingcheese2300
    @sailingcheese2300 3 дня назад

    Thanks for all your effort!!! youve got a fan in the netherlands 👍

  • @TheRaj73
    @TheRaj73 3 дня назад

    Great in depth video. Chris is by far the most knowledgeable analyst on SOFI, be it on you tube or stock research companies.
    New Loan Platform model should not be cannabalistic as they are using this platform (so far) to get those customers whose FICO score is lower than their own addressable market.

  • @joyluna4825
    @joyluna4825 3 дня назад

    Great DD as always! I trust your research more that any analyst from KBW or any other legacy bank

  • @Maklo1818
    @Maklo1818 4 дня назад +1

    Excellent, Chris. Thanks as always!

  • @dayv619
    @dayv619 4 дня назад +2

    This new business line is massive can’t wait to see what 2025 guidance will be now that this is up and running.

  • @violinbite
    @violinbite 3 дня назад

    Thank you for an important elaboration and projection of the LPB

  • @Daniel-xh7yg
    @Daniel-xh7yg 3 дня назад

    i wish more people would use RUclips like this! Thank you

  • @thewheeldealstradingjournal
    @thewheeldealstradingjournal 3 дня назад

    Great stuff. Gives a very clear picture of how it all works. It’s complicated; thanks for the breakdown.

  • @whataboutbob4665
    @whataboutbob4665 3 дня назад

    Appreciate all of the work you put into Sofi, hoping for solid returns in 2025

  • @SamirAdatia-ld9nq
    @SamirAdatia-ld9nq 3 дня назад

    Great video! Thank you for sharing. 🙏🏽🙏🏽

  • @jmd0322
    @jmd0322 3 дня назад

    I learned something so I subscribed!

  • @Gustav_Jensen
    @Gustav_Jensen 4 дня назад +2

    Excellent video, keep it up :)

  • @ak6513
    @ak6513 3 дня назад

    how is sofi lpb special or different from other providers like LC. any moat that separates them? how is sofi not having loss sharing vs others. is it due to the quality of borrowers (high fico score)

  • @DavisHimmer-
    @DavisHimmer- 4 дня назад +1

    You are the best Chris!

  • @xdognatex9897
    @xdognatex9897 4 дня назад +2

    Nice breakdown. Latest downgrade is BS. SoFi 💪🚀🌙

  • @plafer11
    @plafer11 2 дня назад

    Very valuable stuff, thank you!

  • @July4.1776
    @July4.1776 3 дня назад

    Awesome video! Keep up the good work!

  • @mariafatimaalmeida4693
    @mariafatimaalmeida4693 3 дня назад +1

    Great video, thanks for sharing!!!!

  • @amarjit2912
    @amarjit2912 4 дня назад +1

    I wonder what the loan platform business will be quarter on quarter over the year ahead. Plus the Sofi 2025 projection foe the total business.

    • @DataDInvesting
      @DataDInvesting  4 дня назад +1

      Really looking forward to see if it grew in Q4

    • @rlong749
      @rlong749 3 дня назад

      ​​@@DataDInvestingI think it definitely grew. Question is, how much?

  • @mid-statewrestling654
    @mid-statewrestling654 3 дня назад

    Awesome! Thank you for making this!!! 💯

  • @rickyd4453
    @rickyd4453 4 дня назад +1

    Thanks for the DD!

  • @amarjit2912
    @amarjit2912 4 дня назад +1

    It's the quality that counts

  • @Gilgo-Beach-Slayer
    @Gilgo-Beach-Slayer 2 дня назад

    Chris, gimme your thoughts on the Tech side of sofi. It's been very quiet fwiw. Thanks

  • @flo5949
    @flo5949 4 дня назад +9

    Yes Yes Yes

  • @Kross_Roads-g4j
    @Kross_Roads-g4j 4 дня назад +6

    Good stuff Chris!

  • @jessebaldovino
    @jessebaldovino 4 дня назад +2

    The sofi goat is here!

  • @dobsr1184
    @dobsr1184 3 дня назад

    So Sofi is selling the loans they financed then sells the debt to another lending company charges the company’s fee to service them ?

  • @TraolachCahillane
    @TraolachCahillane 2 дня назад

    Great video!
    Can you do a base/bull eps if Galileo lands some whales?
    Thx

  • @cpaleolo
    @cpaleolo 3 дня назад

    Really like your X and now your RUclips content. I have a couple questions about SOFI that if you can answer would help me a lot: 1st : do you know of a chart or metric that compares general members (try and see) to people who have converted over and use SOFI as their main source of banking (committed): 2nd : I would envisage the technology services business is consolidating and merging platforms so they can reduce their tech debt having acquired so many businesses (Galileo/Technosys) plus their own original SOFI student loan tech and also Wyndhams Capital (home loans) and the original BANKS systems etc .. what’s your view on this and will this be complicating the BankCore from bringing in a pivotal customer to enable BaaS

    • @DataDInvesting
      @DataDInvesting  3 дня назад +1

      @@cpaleolo The answer to the first question would be the number of SoFi Plus members they have, but they don't publish that quarterly, so it's almost impossible to track
      On the second question, yes, they have been consolidating the tech platform under one roof, but it shouldn't complicate the core, if anything the features they build in should enhance the product suite they can sell to others

  • @marca.1339
    @marca.1339 2 дня назад

    Don’t forget to like and subscribe. It’s about time you got your own channel.
    Congratulations

  • @timriordan9855
    @timriordan9855 3 дня назад

    Thanks Chris! Can a company like Charles Schwab offer loans to its customers and utilize SoFi’s platform to originate and service any customers Charles Schwab brings them? Different model but thinking this could be another way to expand this business.

  • @MoneyMitchOG
    @MoneyMitchOG 3 дня назад

    Outstanding. KBW analysts on suicide watch

  • @deadend03
    @deadend03 2 дня назад

    Thanks for the video.

  • @johnnygrillo2290
    @johnnygrillo2290 3 дня назад

    Great video thank you

  • @mohamedgoldstein5565
    @mohamedgoldstein5565 2 дня назад

    Thank You DDI!

  • @violinbite
    @violinbite 3 дня назад

    LPB platform can probably allow SoFi to keep the best origination interest for themselves and sell the 'less desirable' loans to the institutions

  • @jaredjenkins8586
    @jaredjenkins8586 3 дня назад

    Thank you

  • @dougmanck4149
    @dougmanck4149 3 дня назад

    Why couldn't Sofi just sell loans more quickly off of balance sheet to meet capital requirements?

  • @RF_Andy
    @RF_Andy 3 дня назад

    Very good. I like it this and love sofi $$

  • @xGNxk3g0
    @xGNxk3g0 День назад

    Banger video right here

  • @nagpalsid
    @nagpalsid 2 дня назад

    Good one, keep it up

  • @mikenew1969
    @mikenew1969 3 дня назад

    Very helpful! 😊

  • @drj81
    @drj81 3 дня назад

    Great job!!