The tweet below shows how nicely SoFi has taken market share from the online banking market. 
https://x.com/fiscal_ai/status/1965777340400820431
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https://x.com/datadinvesting/status/1965640887985471869?s=46ä
Robinhood has introduced a shorting option on its platform and used SoFi stock as an example 
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The tweet thread below explains that SoFi has built an impressive sports marketing strategy, covering the NFL, NBA, and even the new TGL golf league.
Billion-dollar stadium deals, player collaborations, and partnerships have massively grown the brand and membership numbers, strengthening the company’s position in the financial services market.
https://x.com/Dboybruh/status/1963635813503439063
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It’s not too good to be true, is it? Not growth with negative profitability, right? The numbers will tell soon enough.
Now P/E over 50, meaning an earnings yield of just under 2%. A year earlier it was even worse, which can also be interpreted as progress. Okay for a growth company? Juurikki’s investment strategy requires 10%.
In what way does this company manage online banking better than, say, Ålandsbanken’s Crosskey? If the valuation isn’t explained by technical superiority, then perhaps an already established and growing position in its operating area?
The curve shows what Juurikki is wary of:
Perhaps this time is different. Juurikki does not own the said company, and no longer buys at a price of 25, when it would have just been 5. Juurikki does not pay for belief in the future, but hopes for a good future for the owners, while still reminding of the big risk (read: billion-euro stadium deals).
P.S. The above is not an analysis, but a set of detached remarks, even based on fundamentals. Enlighten Juurikki, please. Criticize, at least.
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It might just be that it’s too good to be true. 
SoFi is interesting to me, like Hyzon and Voxtur once were… SoFi is indeed growing at a furious pace, but the valuation is concerning and has concerned many. The P/E ratio and “earnings yields” aren’t really attractive yet, although there has been development in those numbers, but it still looks expensive.
Strengths include versatility and the technology side, but risks in regulation and competition can be relatively high. Stadium deals and similar things can turn into a minus, and they probably wouldn’t play such a huge role even in the most positive scenarios. There’s plenty of potential, as always with future losses :D, but caution is indeed necessary.
If you look at the valuation multiples, you can’t really consider it cheap if it doesn’t succeed in competition and if the industry generally becomes more challenging due to legislative changes, etc.
Faith and hope for the future are at the core of my investment plans. 
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Here’s a comparison of Sohvi and Hoodi
https://x.com/InvestingVisual/status/1966139673446867291
EDIT:
I’ll add this here.
https://x.com/qualtrim/status/1967298261989150773
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The tweet below states that in the United States there is $11.6 trillion in home equity “waiting” for refinancing, but low interest rates, high costs, and minimal benefit are hindering it.
The tweet is likely suggesting that SoFi would benefit from a decrease in interest rates because it would increase demand for the company’s financial services.
https://x.com/dewmboom/status/1967988134852837533
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Here’s a slightly lighter topic for a change.
SoFi has rocketed again, as the tweet shows. It also covers a few things that can help SoFi continue to rocket in the future. 
https
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Interesting thing, but this picture clearly shows how merely the Company’s classification changes its value.
1 (The Company goes public and is unprofitable):
“The Company will change the entire fintech industry and represents its future, without physical offices, purely digitally, on servers, it is capital-light, agile, and infinitely scalable.”
The Company’s unprofitability or high P/E is secondary, as the potential is high and the gross margin will turn into net margin over time. (The Company is given a high valuation level).
-
(The Company becomes profitable at the EBIDA level) the stock reaches its lowest point at the 3.XX dollar level and has received/is receiving a banking license.
The Company is now compared to other (by P/E ratio), profitable banks and it is stated that this one is expensive.
“But banks have this and this P/E ratio” and they pay dividends. “Why take some overpriced bank, even those giant banks can become digital/buy a digital competitor.” -
The Company’s profitability reaches that of banks: (stock at its lowest for a long time at 5-6.XX dollars) but giant banks have bigger cash reserves, so this won’t withstand the next recession, giant banks are a better option
1 Same as originally, all YouTubers/social media influencers who originally valued the company highly were right, but the difficult journey lasted 3 years and most of them gave up under endless negative feedback.
SOFI, the company itself behind the ticker, has consistently acted as it said it would and has developed. The CEO originally said that they would become one of the 20 largest banks in the United States and has repeated this many times. Nothing fundamental has changed in the company, only how investors value it in different situations.
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SoFi can likely be expected to make a crypto-related announcement soon, as SoFi participated in crypto-startup Zerohash’s funding round.
Morgan Stanley also participated in the round and they commented that their users will be able to trade cryptocurrencies (BTC, ETH, and SOL) during H1 2026 – through a Zerohash partner.
I hope that SoFi users will get access to cryptocurrencies later this year, and that the selection will be a bit broader than what Morgan Stanley commented they will have. Perhaps the bank shouldn’t start offering all meme coins. Fartcoins (Fartcoinit) and the like might not align with SoFi’s “get your money right” slogan.
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Below is a tweet about SoFi and crypto.
The company is taking its crypto plans to the next level. A stablecoin is coming to members later this year and will be run through SofiPay with a 4% yield and no interchange fees, as it’s an attractive combination for both customers and merchants.
Additionally, cross-border payments and Galileo’s >100M accounts create potential for rapid scaling. Retail brokerage (the company’s paused stock and investment trading service) returns later this year, and loans against crypto collateral bring new revenue streams.
https://x.com/TheOneandOmsy/status/1972318132191760631
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SoFi is expanding its investment services, according to the article below, by introducing Options Level 1 trading, which enables covered call and cash-secured put strategies (options strategies).
The service is commission-free, additionally includes education, and offers members ways to diversify, hedge, and grow returns. This expansion responds to growing investor demand.
Looking ahead, SoFi plans to broaden its capabilities with additional options levels and strategies, options trading in IRAs, zero-day to expiration contracts, and enhanced tools for screening and profitability analysis.
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Below is a link to a relatively comprehensive recent analysis/report by Type-F Capital, which highlights SoFi’s current situation: member and product numbers continue to grow at an annual rate of over 30%, but cross-selling is lagging at 1.3 products per customer (I personally remembered it being higher). According to him, this is a clear hindrance – but on the other hand, it is also the biggest untapped leverage.
The report emphasizes the lending platform business as a new growth engine, which is scalable and brings capital-light revenue streams. The report also highlights that credit losses remain significantly lower than those of peers, which strengthens the risk profile.
The analysis still indicates a clear upside relative to fair value, so according to him, the situation is apparently interesting, especially for those considering additions or holding at this stage.
"Report summary
-
SoFi is consistently performing better than peers while assuming less risk.
-
The one-stop-shop concept where members cross-sell into different financial
products has not materialized yet. -
The lending business is a robust fortress.
-
Lending Platform Business (LPB) solves many of SoFi’s inherent problems and
will be a core revenue driver. -
SoFi trades undervalued while demonstrating the characteristics of a high-
quality bank with impressive scaling levers."
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I didn’t immediately realize, but the tweet perhaps hints that SoFi and BitGo have started some kind of cooperation, which is already visible on BitGo’s website (BitGo is a US-based crypto service company), even though no official announcement has been released yet.
It is not yet known whether it’s about a partnership, an integration, or an acquisition, but investors are probably expecting some news.
https://x.com/FunOfInvesting/status/1974909334657352145
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SoFi has risen to the top of banking apps on Google Play and is approaching big banks like Chase and Wells Fargo.
On the other hand, it is also being discussed whether app updates affect rankings and that ranking algorithms are obscure and difficult to predict.
https://x.com/Kenmegan44/status/1974864550651662707
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Putting this here too, as I already put it in the Horror Thread. SoFi rose sharply today and the tweet is likely the reason for it:
https://x.com/StockSavvyShay/status/1975562157011149250
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The tweet describes how SoFi Invest has made significant strides in recent months, e.g., the user interface has improved, transfers from SoFi Money accounts are quick, and additionally, the collaboration with BlackRock brings new investment opportunities. Stock options and cryptocurrency products are also expanding, making the platform even more versatile.
The tweet states that management is now seriously investing in the growth of the Invest service, as it is expected to bring in more revenue and users. SoFi’s goal is to make investing easier and more competitive, as this can significantly increase its position in the financial sector in the long run.
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Apparently, SoFi is bringing its cryptocurrency services back on December 1st.
Users can join the crypto waitlist by November 30th and make three orders of at least $10 until the end of January 2026.
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The tweet below highlights that SoFi seems to be taking advantage of a situation where a “familiar competitor’s” platform is experiencing issues.
They emphasize their own reliability and customer benefit, while the other company is perceived to be primarily pursuing its own interests. The company’s message is clear; switch to us, we’ll take care of your money. 
https://x.com/Kenmegan44/status/1977393932976693363
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The point of the tweet is probably that SoFi has expanded its cooperation with Paychex, meaning that now Paychex Flex users can utilize SoFi’s banking and loan products through some benefit program.
It should probably be good news for the growth of SoFi’s customer and user base.
Looking at the name of the Twitter account, it comes to mind that one should take this tweet with caution.
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