UP Vibe

@ColesTrades Saying $SOFI hits $45 EOY is akin to the market's version of Dumb & Dumber. I say the odds are 1 in a million… & they look at me and go, So you’re telling me there’s a chance? Anything is possible but that possibility lives next to Bigfoot, unicorns, & my abs after Thanksgiving.

I’m reiterating my price target… $45 BY END OF 2026!

@R1chardMaur1ce @WinnerInvestor I actually have a similar target based off of the trend. While I am no longer short $SOFI, I am not interested in longing it until the trend flips. Lastly, nothing is 100% in the market but I can say there is a 99.99% chance $45 eoy isn't happening.

@WinnerInvestor People please don't fall for this. $45 by EOY is not impossible but very unlikely. The way I see it, $SOFI is heading to $11.75 and if it gets there, it will be important to see how the market reacts. If bulls don't show up, it's likely going to $8.10

$SOFI Official guide is 30% revenue growth, 40% EPS growth for 3 years, barring major economic events. Stock is at P/TBV <2.5, cheaper than major banks including $JPM $MS $GS despite x2-3 growth P/E not the best metric given profitability ~1-2 years ago, however 2026 EPS $0.6 official guide puts us at x27, I say we get $0.7 at x23 2027 PE ~x16 2028 PE ~x12 After that I assume 25% revenue growth, 30% EPS growth for another 3 years. 2029 PE ~x9 Barring a recession/depression, $SOFI will do very well. Is the market starting to wake up? We will see in a few weeks. CEO Noto gave his response to the shitty shorts with buying the stock. His team is executing and we hear from them in ~3 weeks. EOY $35-$45 $SOFI 🚀🚀🔥🔥

@db8784 @insiderinvests Well, I hope it works out for you. And, I mean that!

@UPVibeOptions @insiderinvests We'll see in a few weeks when they report earnings if anything is wrong with the actual business, or if fintech is just completely out of favor right now (no rate cuts, sticky inflation, etc). I'm buying shares with every penny I can at these prices. Several year horizon.

$SoFi Is it time we forgive MW?

@db8784 @insiderinvests Ok, here is my proof. I know I am right only because I had to cover some of my position.

@db8784 @insiderinvests No worries. I always admit when I am wrong. For me I trade trends not beliefs. So, if I am wrong my chart tells me. Give me a minute though. I will send you a photo but I am not wrong about the price. How do I know because I was short before the report.

@UPVibeOptions @insiderinvests Appreciate your correction

@db8784 @insiderinvests Ok I get it. I see your point. But honestly they have more to worry about than MW.

@UPVibeOptions @insiderinvests Yes, we all know -50% before the report, as are many fintechs. But to release a short report, that appears to be mostly bogus, a day or two before the quiet period starts before earnings so they can't even fully respond, in which they call them Enron-esque, is absolutely wrong...

@db8784 @insiderinvests My apologies I just checked. You are right. It was the following day it went higher. My bad.

@UPVibeOptions @insiderinvests False. The stock finished that day lower (the day the report was released), and is lower since then.

@db8784 @insiderinvests Actually I’m 100 percent right. I’ve been shorting $SOFI for a while now so I know exactly what happened.

@db8784 @insiderinvests No not at all but it’s down 50 percent before the report. We should look deeper into that reason and not a silly irrelevant comment. Don’t you agree?

@UPVibeOptions @insiderinvests You're saying that everything said about a company gets a free pass unless it specifically affects stock price?

@db8784 @insiderinvests Ok I see what you mean but I think it’s going lower for many other reasons and there is still room to go. The trend hasn’t changed yet but once it does the MW report will not affect it.

@UPVibeOptions @insiderinvests Comparing SoFi to one of the biggest corporate debacles/bankruptcies is wrong and slanderous. Just because the stock hasn't moved that much since then doesn't negate that it is wrong and slanderous. It could affect future business opportunities, public perception, etc.

@db8784 @insiderinvests Actually after their report it rallied slightly higher than the price prior to the report. It continues to go lower for other reasons that might actually be more upsetting than MW.

@UPVibeOptions @insiderinvests I see the chart. Stop changing your argument. You asked "what did they really do wrong to SoFi?". Saying SoFi = Enron is wrong. We all know the stock is down.

@db8784 @insiderinvests Look at the chart. I sent you the photo. $SOFI has been beaten down long before ME report. There report didn’t affect it. Prove me wrong.

@UPVibeOptions @insiderinvests Nothing to forgive? How about calling SoFi Enron-esque?

@GrindeOptions $SOFI to $100 isn’t realistic. That’s a 5x+ move from here and would require years of flawless execution, major profitability, and perfect macro conditions. Every quarter they crush it and it has continued to downtrend since Nov.

This is likely one of the best and last opportunities to buy $SOFI under $16. SOFI is a $100+ stock in the making.

@persianoptions I agree that says a lot but it still has to change trend. Too many people buying a falling knife.

@UPVibeOptions on a day like today when everything is green and sofi is red? as a sofi holder i gotta be honest. thats not good news.

$SOFI is NOT a buy — the chart says it all. Still in a downtrend and must hold the long-term uptrend. Lose that and $12 is on deck. Even a trend break isn’t clean — overhead supply = ANGRY INVESTORS waiting to sell. In my view, SOFI isn’t a buy until the trend actually shifts.

@Lakeviewfam01 You are 100% right. Markets don’t lie!

$SOFI Markets don’t lie. Despite the relentless drive by shootings by the not worthy to be named short seller in the last two weeks, $SoFi has suffered the least when compared with its fintech coterie. This short attack is clearly not a genuine “let me expose some fraud here” scenario. Most of the arguments have already been debunked and proven to be worthless. It was most likely funded by a large entity who paid these ambush-for-hire gunmen who targeted SoFi with the hope of causing maximum damage during a very tricky macro. In response, the markets just stood there and told these mercenaries - TRY ME AGAIN. Markets don’t lie.

@MichaelRohland7 Regardless, the MW report was a non-event compared to the last few months. Had they came out with their report in Nov we could attribute the downfall to that.

@UPVibeOptions Typically those reports mark near bottoms. This is how they steal retails shares.

As a $SOFI shareholder this is getting close to class action level. Fraudulent level.