Atacama

@Soberdr @Revolut 2 years from now SOFI should be doing Revolut like numbers. I expect market cap to catch up.

I’ve been a @Revolut customer since 2016. For the first 5 years, I used it for travel cards and currency. Then something shifted. Salary. Savings. Investments. Insurance. Mortgage refi attempts. This is exactly what’s happening at $SOFI right now. And almost nobody is pricing it correctly.

$SOFI Q1 2026 EARNINGS I am glad they did not try beating the EPS and I am glad they did not raise the guide. In fact, they now say they're projecting zero rate cuts for 2026 and keeping the guide as is will be quite a beat. In other words, if their guidance was "not sandbagged" or if the guidance was "irresponsible" they may have been in a spot to lower or miss the guide and the stock would have tanked 30%, not 15%. 41% adjusted net revenue growth is EXCELLENT, though we need to remember the MASSIVE capital raises of 2025. One can argue, the growth is only fueled by the raised capital. This remains plausible for now, and 2026 will be the year of ramping up tech revenues, including BBB/stable coins, which we will see if $SOFI can deliver -- unlike AWS of FinTech, which didn't really work out for many reasons, some of which they could not control. Share offerings of 2025 were GREAT for the business, and the Q1 2026 results prove it. Expensive company debt is gone, home loans and student loan originations exploded despite high rates. These are rather safe bets where $SOFI continues to increase their market share. I like the results, I like the growth, and feel comfortable holding it, knowing that Trump realizes Iran issues need to resolve sooner rather than later (with our without a broader war, energy needs to flow at the end of the day). Once this issue is resolved and Kevin Warsh is at the FED, FED and govt can work together to create tailwinds for the economy, think Q3-Q4. My $SOFI 2026 EPS expectation remains ~$0.70, above the present guide at $0.60. This final number will depend on how much they choose to re-invest given they could cut some marketing expenses and EPS would explode.. I don't want that though, like I don't want a dividend. Let the business grow. I would rather have them not raise the guide and beat it vs raise the guide and miss it. Trust matters in this business. You need to meet your guide. Noto and his team delivered again $SOFI 🔥🚀

@CarsonTalkMoney Please no. The fundamentals are fine, use the money to improve even more, not on a stock price that is susceptible to macro and mood. You cannot counter the world with a few billions.

I have a question for my fellow $SOFI bulls: Would you support a share buy back?

@CarioCapital Keep the EPS coming, it is all that matters.

$SOFI "is just a bank" or "is a tech company" They're a company growing revenues at 40% End of story

@CarioCapital At this point it's just a coping mechanism. SOFI must be doing sth wrong, how else did the sell off justified. How about the market is just playing a game with different rules and purposes as us long term investors? I think the future of SOFI seems brighter and brighter.

Not sure why ppl think $SOFI not raising guidance is bearish. Their guidance included 2 rate cuts. We're now getting 0. The fact that they reiterated the same guidance with 0 cuts is impressive.

@Masculincreed That GSP photo goes hard, not a boxer though, I'm sure you know.

WANT A BOXER-BUILT BODY STOP COPYING BODYBUILDERS DO THIS INSTEAD: 1. Eat like an athlete, not a bulker

$SOFI investors seeing $HOOD miss earnings expectations. May the FinTech battle commence!

@muddywatersre @DeloitteUS You guys at Muddy Waters should go join a quality learning centre.

LendingClub begins its 1st quarter principally reporting with FVO. Apples-to-apples comparison to $SOFI: $LC effectively has Day 1 FV mark of ~104; SOFI marks at ~109. Both audited by @DeloitteUS BUT different engagement partners. Julie Sonigo (LC) much more experienced than Robert Lee (SOFI)

@michaeljknowles You are missing the thirty years war of 1618 - 1648 Prussia against Europe.

Look, I don’t like Ilhan Omar either, but people making fun of her here don’t understand that she was obviously just including the Greco-Persian Wars, the Punic Wars, the Mongol Conquests, the Nine Years’ War, the War of the Spanish Succession, the War of the Austrian Succession, the Seven Years’ War, the American Revolution, and the Napoleonic Wars in her accounting of global conflicts. Smh…

@cb_doge Bernie Madoff Elizabeth Holmes

Tell me a bigger liar than Sam Altman. I’ll wait.

@GrindeOptions I live in Hong Kong, a decent living space (600ish sq feet is decent for this corner of the world) easily cost me around 1 million USD, so I would need 3millions to feel no chance of broke.

At what income level do you stop feeling BROKE?

@InvestFreedom05 You are a bear. 5 years at least 120. Bookmark this.

$SOFI will be a $70 stock in 5 years…. *BOOKMARK THIS*

@GrindeOptions Stonk wise it is pretty close in 2022? SOFI in mid 4s, Tesla in 100s. Cannot imagine SOFI in low 3s and Tsla in 70s.

Are you financially and psychologically prepared for a 2008 like scenario to happen? 👀

@BenNiederman @farzyness LOL

@farzyness that her name also starts with 11

What's your favorite fact about World War 11?

@farzyness It saves hundreds of million souls by skipping WW 3 to 10.

@GrindeOptions 50 times a day

Be honest, how many times per day do you think about retiring early? 👀

@UnotheInvestor $1000 by 2030 is actually a bear case.

$TSLA bulls in Dec 2025 at $498: “$1,000 by 2030, AI play of the decade” $TSLA bulls in Feb at $420: “Healthy pullback, robotaxi catalyst incoming” $TSLA bulls in March at $340: “Just accumulating, Optimus changes everything” $TSLA bulls today at $375: “Q1 was actually a beat if you exclude the bad parts” Stock down 25% from highs,the narrative just gets longer.

@vksingh770 @Ric_RTP @TeslaOpinion 80% of my net worth is riding on these dreams.

@Ric_RTP @TeslaOpinion Very impressive. 8% of my portfolio is riding on these dreams! All the best Elon and the team!

Tesla is deploying $50 BILLION across 6 factories, a chip fab, robot production lines, AI supercomputers, lithium refineries, and solar manufacturing. To put that in perspective: Tesla made $477 million in profit last quarter. And is investing at roughly 100x that rate. Every other CEO on Earth would get fired for that ratio. Elon's doing it on purpose. Here's what he's assembling: - Own chip factory (TERAFAB with Intel, $25 billion, targeting 1 terawatt of AI compute per year) - Own energy grid (Megapacks powering entire cities) - Own robot workforce (Optimus production starting this year, 1 million units per year at Fremont, 10 million per year planned at Giga Texas) - Own transportation network (robotaxi live in Austin, Dallas, Houston with zero accidents, expanding to 9+ cities) - Own AI training infrastructure (Cortex 2 supercomputer online, 280,000 GPUs by June) - Own lithium refinery (Texas, ramping now) - Own solar panels (new design with 3x the power zones of conventional panels) - Own satellite compute (80% of TERAFAB output going to SpaceX orbital AI satellites) This is just insane. No company in history has attempted to own this many layers of its own supply chain simultaneously. Amazon took 20 years to become profitable because Bezos reinvested every dollar into infrastructure. Wall Street called him insane the entire time. Elon is running the same playbook but across MORE industries, at a FASTER pace, and with technology that didn't exist 5 years ago. The TERAFAB alone is designed to produce 70% of the output of the world's largest semiconductor foundry. Under one roof. Logic chips, memory, and packaging all vertically integrated. But why is he doing this? Elon said existing suppliers including TSMC, Samsung, and Micron simply cannot supply Tesla at the levels it needs. When you can't buy enough of what you need, you build the factory yourself. That's the Henry Ford playbook from 1920. Ford owned the rubber plantations, the iron mines, the glass factories, the railroads, and the forests that supplied his assembly lines. Elon is doing the same thing. Except his version includes orbital data centers, humanoid robots, and autonomous vehicles. The AI5 chip is already taped out. His team worked 6 months straight through holidays and weekends to finish early. He called it the best edge compute inference chip in existence. They're already designing AI6 AND Dojo 3. Meanwhile Tesla's FSD has 1.3 million paid subscribers globally. Record new subscriptions last quarter. Regulatory approval just landed in the Netherlands. China approvals expected by Q3. While every other automaker is trying to figure out how to compete with BYD on price, Elon is building the infrastructure layer that makes the car almost irrelevant. Because if you own the chips, the energy, the robots, the AI, the transportation network, AND the manufacturing... The car is just the interface. The real product is the ecosystem. Elon is spending $50 billion to build a parallel economy that doesn't depend on anyone else's supply chain, anyone else's chips, or anyone else's energy grid. That's closer to being a country than just a company. And whether you love him or hate him, nobody else alive is even attempting this.

7 hours and 12 drives with FSD v14.3.2, here is my review: This is a HUGE release especially for Actually Smart Summon. Tesla has unified the model between Actually Smart Summon, FSD, and Robotaxi for the best performance and wow, what a massive change! I’m absolutely blown away by how changed it is, the response time from when you start it on your phone to the time the car responds is instantaneous. Aside from the insanely good response time, its performance is insanely smooth. I noticed it also pulls over to the spot you selected it to come to just like a Robotaxi would. Actually Smart Summon is also really great at handling heavy pedestrian traffic and heavy shopping cart traffic as I demonstrated earlier. Super courteous and confident around tough scenarios and I’m very happy to see it. You really feel the unified stack and I’m looking forward to seeing even more new features whether that’s longer range or increased speed. The driving on this build is incredible. It was already so good in v14.3.1 it’s hard to sometimes see change, but the responsiveness, smoothness, and confidence in v14.3.2 is immediately noticeable. It just took it up a whole other notch, I’d say it’s a bigger change than v14.3 -> v14.3.1 was in polish. I got to spend a lot of time on curvy roads tonight in the hills and as expected, FSD v14.3.2 did a great job there as it did before. Slightly smoother inputs than before and excellent performance even in the dark. It even saw road debris on a very dark road before I even saw it, mid corner too. Had a great drive on the highway with it tonight, it stayed out of the passing lane and had good speed control, but there wasn’t much traffic. Will get a 50+ mile drive video in the morning for everyone to see how it does. City street driving was good also, something noted was hurry’s acceleration profile was definitely more linear than before (in a good way.) Parking garage performance was good, it got right up to the ticket window in the perfect spot, then found the first available spot. It was a tighter spot, but it likes to be close up which is good. FSDs reaction time to other cars, pedestrians, cyclists and road debris is exceptional and superhuman like. Seriously impressive with v14.3 overall, pretty mind-blowing how swiftly yet smoothly it can avoid objects or other hazards. Street parking was fantastic for me. Had it pull up to my house 3-4 times in a row and each time it parallel parked or pulled up with precision and in the perfect place. Parking in parking lots was good for me today, the choices have been great and close by to entrances. Also to note on left turns, FSD all but once turned into the first available lane which is great to see. The new FSD intervention reasoning UI is cool to see, definitely more personalized + easier feedback to give. I’ve seen some people say they wish there was a navigation option, as well as it not requiring you to input something. Would like to note that the voice reporting option is also still present as well since some were wondering if it was. This update cadence is fantastic and the builds keep getting better and better. I’m looking forward to getting tons more seat time with FSD v14.3 soon on a very special cross country road trip coming up very shortly in my AI4 Model 3. I do hope the new FSD stats app is out here by then as that’ll come in very handy. THANK YOU @Tesla_AI teams for all the hard work getting these new and improved builds out so quickly. This build rocks!

@LeifInvests @GrindeOptions When the time comes, PE usually drops several thousands basis points a year, the high cannot stay high.

@GrindeOptions $TSLA Still has an extremely high PE. 😂 time will tell whether this stock lives up to its catalysts or performs decently but never gets the returns they thought due to the high expectations.

If you’re complaining about the P/E of $TSLA, name a company that’s solving real world self driving, AI capabilities, battery technology, energy storage systems, scaling auto manufacturing including semi trucks, building/creating humanoid robots, making advanced chips, refining lithium, building charging infrastructure worldwide and already has millions of robots on the road as we speak. I’ll be waiting.