Following the thread above, I thought I’d write something about the company, but don’t take this too seriously, just like the piece I wrote earlier today about Digia. 
SoFi seems to be a quite versatile digital bank and financial services company, which is also a technology company with the ability to offer a wide range of services. It has apparently become a challenger to traditional industry players with its own diverse strengths.
If I’ve understood correctly, the company turned profitable surprisingly quickly while growing at an incredibly fast pace. Customer numbers have grown rapidly, and generally, customers don’t use just one service, but several.
The much-discussed offering apparently brought flexibility to the company and helped with debts as well as enabling more acquisitions. In addition to potential acquisitions, the company’s new crypto service is surely contributing to further growth, but time will tell how that plays out.
At the beginning, I mentioned the old players in the industry, and SoFi performs well even against more modern competitors. It offers more comprehensive services than, for example, the much-talked-about Robinhood, and SoFi also has its profitability matters in better shape.
In the previous message thread, growth, and especially future growth, is highlighted a lot, as well as how the company might better leverage its profitability, e.g., with a new leaner business model and scalability. The company appears to be a rapidly growing pioneer that engages its customers, but it indeed still has many different services from which it can gain more, and it seems to have enormous growth potential in the market anyway. The company also seems to be constantly developing in various areas, e.g., in technology. Balance sheet matters also seem to be in order, and so does the management.
Looking at the numbers, the company seems somewhat expensive, but when considering the growth potential and the growth itself, what has been and what is ongoing, as well as how the company might be able to leverage its profitability, it seems interesting. Also, its general pioneering nature and other good aspects seem to bring a nice future for this.
The industry has these traditional legal risks and other such things which the state might justifiably intervene in or negatively affect the company’s business, e.g., there are regulations, legislative changes, etc. Still, it makes me wonder, there must be other concerns here.
Nothing is this simple. A well-known company, with a lot of information available, etc. How could such a company be a fairly safe and (in a way) undervalued investment target? This has risen tremendously recently, and in English, one mostly encounters only over-bullish sentiment.
What are the biggest risks and threats for this company now and in the near future? Thanks in advance for your answers!
I’ll quickly present these figures here, although one shouldn’t rely on them until after getting to know the company.
SoFi is a cautious guide:
A wild surge up before that, and then a nosedive? 
Citi’s latest raise 18 → 28
