https://x.com/funofinvesting/status/1890185742611279905?s=46&t=SBG4d2kDNln57Dh1RkWYrg
Well, it was hard-won. Towards fintech multiples! 
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In this tweet, a guy explains with a picture why he will continue to own and add SoFi shares, a pretty good reminder. 
https://x.com/GrindeOptions/status/1890909871052038431
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EDIT:
I removed a tweet that claimed Buffett was interested in SoFi and that he had said:
""We are very bullish in fintech equities such as SoFi. We believe in CEO Anthony Notoâs drive and vision and are building a position in the company."
I couldnât find confirmation for these claims, which were in a few tweets. (+ I even came across a meme about it 
)
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It again seems a bit like fake news, or can that be confirmed from somewhere?
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No mention in the latest letter:
https://keskustelut.inderes.fi/t/inderesin-sijoitusmeemiketju/33791/6129
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According to the tweet below, the gradual decrease in interest rates significantly increases the demand for student and housing loans, while institutional investors and banks, in turn, actively increase demand for all types of loans. As a result, SoFiâs loans are expected to continue to rise across all segments, which, according to the tweeter, promises strong growth.
https://x.com/DataDInvesting/status/1896327517763690909
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The tweeter seems a bit puzzled by SoFiâs decline, as according to the tweetâs figures, it looks good.
https://x.com/GrindeOptions/status/1898196832230294002
The company was also mentioned in a tweet thread, so Iâll include SoFiâs part here as well.
https://x.com/Futurenvesting/status/1898466086879723748
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" SoFi sent me some swag for paying my loans."
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Mr. Market âthanksâ with a -2.5% share price
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Probably because it wasnât a new deal, but rather just an official announcement about what was agreed upon earlier. Great news nonetheless 
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A tweet has highlighted how SoFi grew rapidly in 2024, exceeding the 10 million user mark (+34% annually) and 14.7 million products (+32%). Additionally, 785,000 new members were added in Q4 alone. Revenue grew a solid 88 percent, and the company is increasingly shifting towards a lighter, fee-based revenue model.
https://x.com/BourbonCap/status/1900538584571969582
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Here is a tweet comparing SoFi to Robinhood.
The tweet explains how SoFi is a more versatile and reliable financial services provider than Robinhood, which is still far behind its competitor.
SoFi offers banking services, loans, and insurance, which Robinhood cannot provide without a banking license. Additionally, SoFi enjoys greater trust because Robinhoodâs reputation suffered, for example, from the GameStop scandal.
https://x.com/AverageDipBuyer/status/1905189367171195307
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https://x.com/Futurenvesting/status/1909818749131038863?t=1QoK5FUXyty0H5wqSnjr7w&s=33
SoFinâs website has been actively visited during the first fifteen minutes. Hopefully, itâs not just bot traffic.
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According to the tweet, investors underestimate SoFiâs growth potential.
The companyâs Loan Participation Business (LPB) has grown tremendously by $3.2 billion, already generating nearly $500 million in new, specifically high-margin revenue.
The tweet also states that this new rapidly growing segment supports SoFiâs earnings without equity issuance or debt, but the markets reportedly do not yet fully recognize this potential.
https://x.com/FinsightAI_/status/1913229209574449252
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Here are a couple of videos about these LPB extension agreements and also a new contract. It really opened up their significance for me, at least. It seems that this business continues to perform well even in this market situation, which is really positive.
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Q1 forecasts from DDI as usual, comprehensively with justifications
- Greater growth expected in both user numbers and revenue.
- Clear beats compared to the companyâs previous forecasts and analystsâ expectations.
- In the outlook, a familiar conservative expectation is assumed, and analysts, correspondingly, have rather high expectations, so a miss there - still as usual
Final summary:
Conclusion
This will be another steady and extremely strong quarter from SoFi. Most companies would kill to see 30% growth. SoFi will almost certainly eclipse that number, show strong results, reinforce the growth in the LPB, and generally show that its fundamentals just keep improving. They will almost certainly have record new member growth as well. SoFi has become a stock that I can sleep easy at night holding. Quarter after quarter they put up excellent, consistent, durable, sustainable growth. This quarter will be no different. I donât know how the stock will react and I donât particularly care. The company is just continuing to execute and this quarter will be no different.
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Q1 Press release
- Adjusted Net Revenue up 33% year-over-year to a record $771 million
- Adjusted EBITDA up 46% to a record $210 million
- Fee-based Revenue up 67% to a record $315 million
- Member growth up 34% to a record 10.9 million members
- Product growth up 35% to a record 15.9 million products
- Management Raises 2025 Guidance
Investor presentaatio
Guidance and Outlook
Given the strong start to the year, management is increasing its 2025 guidance.
For the full year 2025, management now expects to deliver adjusted net revenue of $3.235 to $3.310 billion, which is $35 million higher than the prior guidance range of $3.200 to $3.275 billion. This implies 24% to 27% annual growth versus 23% to 26% in our prior guidance. Management expects adjusted EBITDA of $875 to $895 million, above prior guidance of $845 to $865 million. This represents an incremental EBITDA margin of 27%, consistent with our long term investment philosophy. SoFi expects GAAP net income of $320 to $330 million, above prior guidance of $285 to $305 million, representing an incremental margin of 9% when excluding 2024 non-recurring income tax benefits and gains on convertible notes. Lastly, SoFi expects GAAP EPS of $0.27 to $0.28 cents per share, above prior guidance of $0.25 to $0.27 cents per share. This guidance assumes a tax rate of 26% for the remainder of the year.
Management expects growth in tangible book value of approximately $585 to $600 million.
Management expects to add at least 2.8 million new members in 2025, which represents 28% growth from 2024 levels.
In the second quarter of 2025, management expects to generate $785 to $805 million of adjusted net revenue, $200 to $210 million of adjusted EBITDA, $60 to $70 million of GAAP net income and $0.05 to $0.06 of GAAP EPS.
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@kettunen already shared excellent information, here comes some overlapping information, e.g., visualized, but perhaps something new related to the result as well.
The tweeter wants to say that SoFi is growing rapidly; revenue increased significantly and an increasing portion of it comes from service fees.
New products and the lending platform will continue to support growth.
https://x.com/thexcapitalist/status/1917194805219635684
What do you say about this?
The person below criticizes the development of SoFiâs technology platform because revenue and profit have not grown â the numbers have remained almost unchanged for the past few quarters.
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Investing visuals has made a comparison between Robin Hood and SoFi.
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