Donatas Macinskas 🇱🇹🇺🇦

But the most interesting part for me is was this - J.P.Morgan thinks that SOFI will ultimately be a winner in the neo/digital bank space and could eventually become the "America Express" of fintech!

@Atacama9000 @Revolut Yes, also, SOFI has much more valuable clients. Much more $ rich much more credit oriented.

@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.

@WinnerInvestor Especially when your experience is way better than you ever had with your old bank.

@Soberdr Direct deposit is very sticky. It takes a lot for people to start direct deposit relationship with a bank.

Base case 2030: ~$23B revenue, 36M members, 2.4 products each. Apply a reasonable 4.5x multiple and you get a market cap roughly 5x today’s. I’ve watched this exact pattern play out in my own wallet over a decade with another digital bank. It’s the most underpriced dynamic in fintech. @DataDInvesting @anthonynoto @FunOfInvesting @Futurenvesting @SoFi @SoFiIR

The market grades quarterly. The thesis compounds annually. Trust curves don’t show up in 90-day prints. They show up when a 2022 student loan customer suddenly has a SoFi mortgage, SoFi credit card, and Plus subscription in 2027. You can’t model that in a Q3 estimate.

@maxkarpis send it, thanks!

I have deleted the original SEND IT post because I was swamped with requests. Sandy, I no longer see some comments. If you didn't get yours yet, please send a comment, SEND IT to this post, again.

@muddywatersre @DeloitteUS

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)

@SamsungMobile #STOP

@Soberdr This is the official #GalaxyS26Ultra introduction film. The AI phone that makes your everyday easy and effortless ✨ With the revolutionary #PrivacyDisplay, next-level pro cameras, and #GalaxyAI. #GalaxyS26 Reply #stop to opt out.

4 years in the making. The $SOFI interview is here. We sat down with CEO @anthonynoto to ask the questions retail investors have been asking for. We didn't hold back: • Capital Raises & SoFi's Valuation • "Sandbagging" Guidance • The Future of Loans (Home & Personal) • Crypto, Smart Card, & Payments • International Expansion • Big Business Banking • Artificial Intelligence in Banking • And the big one: Are you buying the stock? You don't want to miss this one.

@SoFi @anthonynoto @FunOfInvesting @Futurenvesting Thank you, @anthonynoto !

A great conversation with @AnthonyNoto, @FunOfInvesting, and @Futurenvesting on where SoFi has been and what's ahead. Watch the full conversation and let us know what you think! 💭

@Tim_Sweeney_TAR No Brakes! 🤘

Here's an update on my album, NO BRAKES. Has now reached more than 500,000 streams and is trending on Spotify with more than 100,000 to 150,000 streams per month and rising. Rising faster now also in Australia, New Zealand, UK, Brazil, Canada, and Europe. Take a listen. open.spotify.com/artist/76ofzs5…