@rokajoska I in no way want my money tied when someone at X doesn’t like a tweet
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Jordan
3.8K posts
Jordan
@Jordaninmt
early $sofi, $tsla, $nvda investor. looking for the next big stock. Kansas City chiefs
Katılım Temmuz 2023
1.6K Takip Edilen460 Takipçiler
X Money a MASSIVE threat to $SOFI? I 've seen many posts claiming that's the case...
For me it is a Hard pass.
Why?
- No real banking or loans yet
- $HOOD vibes and brutal regulatory environment.
- Market expands the financial pie gets bigger.
- Elon hype never killed competitors before.
- Fundamentals over FOMO.
Agree?
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@HamptonPrezcott Boomer is out of touch yet again. No one wants to raise there kids around minorities bro. Especially in blue states.
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Under-discussed nuance here. Wealthy families (who can afford private school) actually tend to stay in the city (close-in residential enclaves) to raise their kids. The next tier is effectively forced to move 30-45 minutes away to find a decent school system.
Murray Hill Guy@MurrayHillGuy1
How do people in the suburbs genuinely look forward to Friday night on the couch, Saturday morning at Costco, and call that a weekend? Like you really moved out of the city just to LARP as your parents at 34?
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@bowtiedmeathead @naanAnaaan @BowtiedQueenBee Then she will be an only fans slut. The odds are likely that will happen as a good looking dumb girl. Best path is housewife or push the feminist bullshit and she will head down a path that maybe you don’t approve of
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@naanAnaaan @BowtiedQueenBee I would be very happy if she becomes a housewife but also want to her to start a career and be self-sufficient. We’re not living on the prairie here bro. Jersey is expensive AF.
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My wife and I were talking the other day about potential career options for my 15 yrs old daughter who really struggles in school and is likely not college bound/material.
For guys it’s easy…
Don’t want to go to college, pick a trade or figure something else out such as a police officer, firefighter etc.
It’s not as easy for girls.
I think she would do well in sales since she is attractive, has the personality and is extremely social (spends hours everyday talking on the phone to all her friends).
For parents with daughters who aren’t on the college path…what are some real, high-income career options you’ve seen work?
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@FurtureRichKid $Sofi for long term holdings. $schw for trading on its think or swim if you make lots of trades. I just transferred most my assets out of the hood for this reason
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@Tyler_Neville_ @insiderinvests $app and $ftai are up around 80 percent average since your firms illustrious short reports. You guys are nothing but pump and dumpers but in reverse. That or you might be the dumbest traders around. Say again about helping retail you guys are are a joke😂
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@insiderinvests We aren’t in the business of hurting retail traders. Sorry if you lost money.
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$SoFi This is one of the Muddy Waters traders. He is not good at answering questions
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This is sad. I know as a politician these companies are going to spend a billion dollars against me for saying it but 🤷🏽♀️
Pervasive gambling is not good for society. It turns life into a casino, traps people in addiction & debt, surges domestic violence, and fosters manipulation.
Polymarket@Polymarket
We’re honored to announce MLB has named Polymarket as their Exclusive Prediction Market Exchange Partner. Polymarket 🤝 MLB
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Wild take coming from someone who hasn’t lived that lifestyle. Most family guys partied till thirty and realized they wanted more meaning. They have lived both. Not a surprising from considering you are low key going through a midlife crisis as a 5 foot midget in a crime shithole. Good luck with that bro
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The American dream
30 year mortgage
2 SUVs
2 kids you do everything for
a golden retriever
a wife you low key resent
a thrilling Saturday afternoon at HomeGoods
Dinner at Chili’s
what a life 🔥
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@Lakeviewfam01 Low key worried about customer growth slowdown. Hopefully I am wrong!
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$SOFI
There is a lot more to this than what meets the eye initially..
#1 - $SOFI has been running the $300 promo for new account openers with direct deposit for quite some time now. That number is not just an accident. For almost three years now, that is how much SoFI has been spending on average - on marketing - to acquire a new customer. For example - they spent $1.1Bn in sales and marketing in 2025 to acquire nearly 3.6 Million new members (approx $320 cost to acquire a new customer).
#2 - The fact that they are now willing to up the offer to $400 can be viewed as both bullish and bearish.
Bearish because this may signal a potential slowdown in their new member acquisition and the extra $$ maybe required for the reacceleration.
Bullish because it may also evidence that SoFi is now much better at monetizing new members to the point where they are making up the initial marketing cost so much faster than they used to. So they can afford to spent even more than they used to before.
#3 - Either ways, this is a solid indicator that SoFi will continue to prioritize growth over increased profitability in the medium term. During q4 - 2025 earnings, CFO @CLapointe12 indicated that the company will press the gas on new customer acquisition even more during the first half 2026. You are starting to see the effects of that.
Anthony Noto@anthonynoto
Our direct deposit offer just got better. Get up to $400 cash with SoFi. 💥
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Disagree Institutions are slowly moving to HFS. It protects investors much more on bad loan books like some larger banks have on the books. Regionals and even the large banks have increased HFS loan portfolios. Stock isn’t dropping because this short report it was already in a downtrend due to rates and consumer pressures especially at the lower end. Best thing Sofi can do is get the loanbook under 40 percent of revenue. Also getting into the S&P 500 will help as companies best analysts will cover it who have far more knowledge of banking than most the idiots analysts now. We will immediately see a loan book rerate good or bad in April which is far better than banks sitting on loans paying less than risk free interest just reporting the interest as income. I’ll admit in a downturn HFS gets hit harder but the re-rate of loans in a growing economy with lowering interest is a huge tailwind.
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Unpopular opinion. This isn’t going away.
Need to move to industry accepted held for investment. Causing too many problems. Too easy for them to keep nuking sentiment and momentum. Plus throw an annual dilution in there and how the hell we supposed to move.
Sorry but it’s true. Most of u kinda know it deep down too.
MuddyWatersResearch@muddywatersre
We asked $SOFI 11 questions before we published. It answered zero. The only response was to have the in-house lawyer demand to know who we are. It’s been 5 days since the report. We’re still waiting. Our unanswered questions: muddywatersresearch.com/research/2026/…
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@muddywatersre Inverse muddy waters should be an etf. You guys might be the worst company I have ever seen picking stocks to short. Easy money! $app $ftai $sofi buy when short report comes out up close to 80 percent. Easy money!! Clowns
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We asked $SOFI 11 questions before we published. It answered zero. The only response was to have the in-house lawyer demand to know who we are. It’s been 5 days since the report. We’re still waiting. Our unanswered questions: muddywatersresearch.com/research/2026/…
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@MurrayHillGuy1 Playing out life like a college kid in your mid thirties is wild. Everything changes when you have kids for the better. But by all means keep chasing 304s till you’re 50 and get old with no one. Cool post bro
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How do people in the suburbs genuinely look forward to Friday night on the couch, Saturday morning at Costco, and call that a weekend?
Like you really moved out of the city just to LARP as your parents at 34?
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@gottlebee Did the same. I still have the GameStop fiasco in my mind and then rolling out sports betting doesn’t sit right with me. I went to Schwab for the think or swim. Fidelity is good too
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I transferred my Robinhood account to Fidelity.
Did I make a wrong move?
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@amitisinvesting @public This is legit criticism. Take sports betting off RH.
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Robinhood never pulled childish marketing stunts to get people to leave Schwab or Fidelity.
They executed with product. That’s why they are winning.
Maybe something to think about for your marketing team. Maybe the better product is what wins & not ad-hom attacks on competitors.
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Kris any time a sentence starts with we believe the transaction is seller financed it’s not true. That’s the hook and how these short reports work to stay out of lawsuits. They know they cannot prove the claim and also know in court a simple saying like that will more than likely save them from big money lawsuits. I thought you were more versed in short reports? Especially the ones that want to exit a short position quickly. You taking them at there word is wild without reading the company 10k or earnings report. I worked at a public company for decades and had a short report put out on us that used the phrase it is our understanding before the hook. We lost the case as most do.
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$SOFI
The problem isnt that $SOFI is selling these loans, its that they are selling to to Cantor Fitzgerald that then sells them to another entity. This entity allegedly uses those same loans as collateral to borrow 90% of the value of the purchase from $SOFI.
This is an off balance sheet transaction to make the charge off rate look better than it really is.
What MW is saying is that Sofi still retains control but doesnt have to take ownership of the increasing charge off rate.
Is this legal? probably... is it dubious... idk... thats up to investors to decide.
TopSecretStocks 🤫@topsecretstocks
Muddy Waters vs. $SOFI Accusations Check - A Thread 🧵👇 1/ Accusation 1: Personal Loan Charge-Off Rate is Really ~6.1%, Not 2.89% MW's Claim: Muddy Waters asserts that SoFi manipulates its charge-off rate by disposing of loans just before they reach the charge-off threshold and by "parking" defaulted loans in unconsolidated entities. Why It's Misleading: - SoFi emphasized that it operates under strict regulatory oversight and adheres to established accounting standards, with financial disclosures prepared in accordance with U.S. GAAP and complying with SEC rules. Any loan sales or off-balance-sheet treatment would have to be disclosed and approved under these frameworks. - SoFi is regulated as a bank holding company supervised by the Federal Reserve and the OCC. Misrepresenting charge-off rates to these regulators, not just to public investors, would be an extraordinary and career-ending fraud, not a management bonus trick. - Selling loans before they charge off is a standard, entirely legal practice in consumer lending. It's not manipulation, it's portfolio management. The loans are sold at fair market value, and any gains/losses flow through the income statement. - Muddy Waters alleged the charge-off data contains a "mathematical impossibility," yet didn't account for how SoFi's loan vintage mix, rapid origination growth, and loan sale activity interact with the charge-off denominator, a common error in short-seller charge-off math. 👇
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At least use PEG multiple instead of PE. If you do you are paying double for the earnings growth with jpm. Sofi could cut marketing in half get to an 18 P/E ratio right now. Is that the best business practice? Every bank ever is at risk of a bank run bro. They sell loans every quarter above what they market them to. If they secretly overvalue loans this would be the opposite or they would stop selling. You should do slightly more research before posting next time. I like your stuff but using the short thesis of a company who says they would close the short position by end of day is wild. There last two short reports last year are up 120 and 60 percent since the report
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$SOFI
The biggest problem that could come for Sofi isnt investors... its depositors.
They have enough liquidity to weather some withdrawals, but not if there is a cascade. If depositors pull their money out of Sofi. They would be hit with a bank run.
The Loans they have on the balance sheet would then have to be liquidated and Im not sure what they would be worth mark to market.
Interesting development to say the least... At least Sofi has been smart enough to dilute shareholders at an attractive price and raise capital before something like this showed up. Though I doubt Sofi will be able to maintain a 45 PE ratio... when JP Morgan, a supestar, trades at 12-15 and the rest trade at 10.
The biggest problem that I see in all of this is the accusation of manipulating charge offs via sale of loans and financing the buyers of those same loans...
Havent read the Sofi reply yet but man this is getting interesting.
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Was like you. I bought at 5 and 6 price range lived the long term chart road it to thirty and sold. But I’m buying back in slowly here I didn’t understand the growth potential then but them divesting from lending to more fee based is fantastic. The just released two products in the last few months that have 100 million revenue potential a year after release. The stable coin is massive especially with Galileo’s 120 million foreign and domestic customers. On top of bringing back crypto which was close to 100 million revenue before the government shut that down the first time. Now they have 4X the members as they did before. The LPB is asset lite and virtually no risk and growing 100 percent yoy. It’s a great company that’s more a hold for me long term. I do see why more short term people don’t like it as it tend to make big gains then falls then finds support for months of minimal price action. If I was trading it looks like it wants 16 but I’m not I just keep buying waiting for the inevitable re rate probably around June when growth tends to far outpace guidance. Don’t care if retail likes it or not honestly it has no impact what I do. They can be loud though but as you have seen it’s popular and a great way to increase followers. I like your stuff and wish you would put out more than just Sofi as I like to trade in and out of names
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@Mr_Derivatives Short before releasing sensationalist headline short reports full of the same points from 2022 report but adding Enron name for extra effect. Release report stock falls cover shorts profit. MW business model
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$SOFI Muddy Waters just said SOFI was Enron-esque.
😱
MuddyWatersResearch@muddywatersre
MW is short $SOFI. We believe SOFI is a financial engineering treadmill—not a healthy origination business. GE Capital-style marks, Enron-esque off-balance-sheet structures, and relentless dilution. muddywatersresearch.com/research/2026/…
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Yup he even says it as a disclaimer that he may be out of the short report by the time the report drops. Honestly fine with short reports it’s part of the game even recycled 2022 talk points. Not ok with outright fraud and Enron allegations for the sole purpose to cause fear and confusion only to exit the short quickly
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@Jordaninmt His strategy isn't to hold these long.
Short, then distort, and cover heavily during the initial dip.
Easy $.
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$SOFI As absolutely expected, Noto bought more.
Short seller Muddy Waters gave him a nice dip to buy into. Per their own report, they have probably covered most, if not all of their short position on that initial dip they caused.
Their essential claim? SoFi = Enron. Supposedly, covering is not due to a lack of conviction, but if you really thought SoFi was committing Enron-level fraud, you wouldn't close most of your position after a small gain.
The report is full of half truths, misrepresentations, and some absolutely absurd claims. It's clear they have little conviction in their own report. And it's clear Noto has a strong conviction.
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