Charles Leach

@marketswithmay what is share price for CHYM higher than SOFI? Is it just the float, or what? Hope you had a lazy weekend.

@ondrejslunecko Reminds me of the famous quote from the Rothschild family, "We made all of our money by getting out too early."

More money was lost by taking profits too early than by holding too long.

@DailyLoud Uhhh, I think Aurora has been doing this for more than a year. Really.

The first-ever autonomous truck hit the road and completed a 230-mile route from Houston to Dallas on time

$SoFi I know what the new modern core is, but I'm not gonna tell 🤫

$SoFi The new modern core will accelerate new product launches and international expansion It's already happening with Galileo coming to Europe

Holy sh*t $SoFi Exciting announcements to come shortly

Meaningful regulatory progress in California this week. Aurora Innovation transitioning toward commercial deployment with partnerships and scaling in place. Earnings on 6 May could be a key catalyst. Long since Nasdaq debut. May the thesis play out for all. $AUR 🚛📈 Bullish

SOFI - Regarding my previous post about "lending shares" I did an Ai search and found this: The idea that placing a high limit order "locks" your shares and prevents them from being borrowed is a common myth in the trading community, but it is not effective. In modern electronic markets, a sell order is just an instruction to the broker; it doesn't physically "segregate" your shares in a way that removes them from the pool of lendable securities. If your account type allows for lending, the broker can still loan them out until that order is actually executed. Here is the most effective way to manage this on E*TRADE: 1. The "Margin Account" Factor The most common way shares are lent out without your explicit knowledge is through a margin account. When you sign a margin agreement, you typically agree to "hypothecation," which allows the broker to lend out securities held in that account as collateral for your margin switch. The Fix: If you do not need to trade on margin, you can convert your account to a Cash Account. In a cash account, federal regulations (specifically SEC Rule 15c3-3) generally prevent brokers from lending out your fully paid-for shares without your express permission. 2. Check Your "Fully Paid Lending" Status ETRADE has a specific program called the Fully Paid Lending Program. This is an "opt-in" program where ETRADE pays you a portion of the interest they earn by lending out your shares. The Fix: If you are enrolled and want to stop your shares from being borrowed, you must opt out of this program. You can check your status by navigating to your account settings or searching for "Fully Paid Lending" in the E*TRADE help center.

@Cantal_Capital How to get to $50? You left out one possibility, a buy-out bid. Probably from a Wall Street bank like Citi.

What would it take for $SOFI to hit $50? From $16 today, it likely needs: -$1.5–$2.0 EPS -25–30x fintech multiple - $50–$60B market cap Driven by: -Super-app growth (13.7M+ users) -Galileo/Tech re-rating -Market share gains

@Elizabcullen @TimurNegru Thank you.

@ClseventyLeach @TimurNegru Charles - I live on Lake Como so will send you some suggestions this weekend !

What's better than the Swiss Alps? The Italian Alps. Same mountains, half the price, better food. Found this estate in Valchiavenna, a few km from the Swiss border. €1.5M ($1.76M): - 7 chalets (3 fully renovated to A3 energy class, 4 more to develop) - 7.4 acres of land, 2 hectares of which is chestnut grove and 1 hectare is berry farm (blueberries, raspberries, blackberries, currants) - a working agritourism with sauna and hot tubs - a small organic food brand called Hunum (honey, beer, juices, natural cosmetics) Lake Como is just south, Lugano (CH) ~1h 50, Milan airports under 2h. St. Moritz, Bormio and Livigno for skiing 1-2.5h depending which one. Same view as St. Moritz across the border, but way cheaper.

@StockMarketNerd Read it. Thank you.

My detailed $SOFI earnings review & take on the investment: stockmarketnerd.com/sofi-q1-2026-e…

🚨 $SOFI: SOFI TECH SOLUTIONS IS MORE THAN A REBRAND The Tech Platform was soft this quarter. Revenue was down, margins were down and a big client rolled off. Now, that is clear in the numbers and should not be ignored. But this does not look like structural deterioration. Think of it as a combination of client concentration and product positioning. Galileo on its own is an API layer and that layer is increasingly competitive and price sensitive. That was always going to happen. It is the change that is happening that counts. $SOFI is transitioning from a product company to a full stack infrastructure platform under $SoFi Tech Solutions that includes processing, core banking, payments and risk capabilities. This affects the way the product is sold and how it is valued. The rest of the business is already compounding strongly with lending demand, deposits growing and fee based revenue scaling through the loan platform. This is a period of transition. The upside is a re-rating if the tech segment stabilizes and reaccelerates under the new model. If it's not, it's still a drag. That’s the gamble.

$SOFI we loved at $30-$32 but instead of adding, after a climb from $4 to $32 in 2 years, it was time to trim at our Wave 5 target The pull back has been standard The fundamentals continue to improve We believe Wave 2 is complete now The CEO thinks so too. Time to execute.

🚨 $SOFI: THIS IS HOW THE BANK BECOMES INFRASTRUCTURE I just want folks to understand what $SOFI is building. SoFi’s Big Business Banking and SoFiUSD push are long term attempts to reframe the company from consumer fintech into regulated financial infrastructure. Businesses want one place to hold deposits, move money, settle transactions and bridge fiat with digital assets. $SoFi is trying to offer that in a regulated banking platform with 24/7 settlement and stablecoin support. If you see, the legacy banking system is still fragmented. Treasury, payments, crypto settlement, custody and banking often sit across different providers. $SoFi is trying to combine those layers into one platform. I've said it and I'll say that SoFiUSD is the key piece. It is a fully reserved stablecoin issued by SoFi Bank, backed 1:1 by cash or cash equivalents and designed for real time settlement. If this is successful (which I know it will be), this will make $SoFi less dependent on lending cycles and more exposed to fee-based capital light infrastructure revenue. And that is the story of multiple expansion. I am not denying the risk. Stablecoins are competitive, regulation can shift and enterprise adoption takes time. But strategically, this is the right direction. I love saying this and let me say it again: "SoFi is trying to become the operating layer for modern money movement."

Holy sh*t This guy single-handedly pumped $SoFi today

@marketswithmay May, pardon the dumb question, but when would it be feasible or prudent for SOFI to pay a small dividend? I realize we are still in growth stage, plus M&A stage, so this will be somewhere in the future. I'm sure Noto would argue that he can make much more for shareholders by reinvesting/loaning whatever amount would be distributed as a dividend. But, on the other hand, banks typically pay a dividend and a dividend brings more investors to the party, etc., etc.

$SOFI's M&A Playbook 👇 SoFi's M&A priorities are focused on the technology space, specifically revolving credit processing and crypto/blockchain services, to enhance its technology platform business. With a 2025 capital raise of $3.2 billion giving SoFi a substantial war chest for 2026 acquisitions. The most logical acquisition targets : • Marqeta $MQ, which provides modern card issuing infrastructure including credit, is an obvious candidate given its weakened valuation and existing fintech client relationships. • Deserve, a private API-first credit card platform powering programs for Goldman Sachs and others, would give SoFi white-label revolving credit infrastructure. • Cardless or Imprint, both building credit card programs natively in the fintech stack, could be bolt-on accelerants. •Lightspark, which SoFi has already partnered with for blockchain-enabled money transfers, would be a natural fit. An acquisition would internalize that capability. • Paxos, a regulated blockchain infrastructure provider and stablecoin issuer, could give SoFi institutional-grade crypto settlement rails. • Zero Hash, which provides crypto-as-a-service infrastructure to fintechs and neobanks, is another name often cited as an acquisition target in this space. Most importantly, SoFi has explicitly stated it wants to build out the same infrastructure it has for fiat into crypto, staking as a service, stablecoins as a service, wallets as a service. That language points to a "picks and shovels" approach: buying the infrastructure that lets SoFi offer those services to its B2B technology platform clients, not just to its own retail members. A company like Fireblocks (institutional crypto custody and wallet infrastructure) or Anchorage Digital (the only federally chartered crypto bank) would instantly unlock that B2B crypto infrastructure layer. You got any ideas? Comment below 👇

Holy sh*t Noto on CNBC with Jim Cramer $SoFi has already built the Trump Accounts and it didn't cost them anywhere near $100 million