ianboydsnr

@bryanwon23 @CarsonTalkMoney So you are saying if they didn’t spend $300m a quarter on customer acquisition, that pays back in 13 months, and drives revenue growth of 42%, they would be a bargain?

Their P/E is 40 today. If it was at 10 P/E would be more of a bargain. So if they keep executing for a few years $16 price is justified and more people like me might jump in. So far their stock historically hasn’t done very well despite growing revenue because 1) there are better places to put your money and hold 2) stock is too expensive today P/E is an obvious example of that It’s not a generational buying opportunity like people say. Its an over priced bank stock trying to catch up to the high multiple it currently has

This is pretty much what I have been saying… think about it $SOFI reported great earnings… no cares $CELH reported great earnings… no cares $GRAB reported great earnings… no cares $UBER reported great earnings… no cares It’s honestly the story of this market, there is about 10 stocks that are carrying everything else

@bryanwon23 @CarsonTalkMoney Why do tech stocks deserve a 40 multiple? Is it because they grow revenue fast?

@CarsonTalkMoney Great so value them like a bank, which implies a 15 - 20 P/E. $8 a share. A 40 P/E is a tech stock multiple which they are not. Their profit margin is 15%, JPM is 30%, Google’s P/E is 30. Maybe give them a few years then $15 will be a good price

@InvestingAddict @AISavvyCapital That’s put out by fund managers, but it’s generally not true, If you invest in riskier assets then there’s a chance of this, but no one forces you into riskier assets, you chose, You could literally outperform the S&P500 if you chose the big 7 and added new entries

@AISavvyCapital Even people who research often underperform

Millionaires tell you to buy Index funds. Broke 20 year olds tell you to full port individual stocks.

@bryanwon23 @CarsonTalkMoney The market thinks the PE it far to high, but they are spending $300m on customer acquisition per quarter That’s how they get the 40% revenue growth, They could half the PE but it would half revenue growth

@CarsonTalkMoney I don’t think they are bad, I think they are ok. 40% growth is impressive but their valuation already prices that in. Can you honestly say out of all the stocks in the market this is the best place to put your money?

Do you guys value $SOFI like a bank or fintech? I personally value them as a Fintech, since we have never seen a bank grow this fast! The only bank that’s similar is $NU who’s growing 1 million users a quarter in Mexico Here’s my projections on $SOFI! It’s a great buy today

@CarsonTalkMoney You don’t get a tech valuation you get a growth valuation, a bank growing 40+% is more valuable than one growing 5%

@GBInvestor1990 I disagree Index funds are for people who want to invest, but don’t want to put any effort in, average return If you want a higher return you have to put effort in, you could invest in the S&P500 But you could pick the best S&P stocks, and ignored the dross, you’d do better

Buying the all world index fund is the best piece of financial advice anyone can ever give you. Picking individual stocks alone is the worst - unless you are a professional trader with insights and bespoke AI. 80% in a fund, 10% high conviction (5-8 stocks), 10% (5-8 stocks) high growth potential 10x returners.

@ThetaForgeX @Apollo_21mil Why haven’t they already switched?

@Apollo_21mil Yes, but for how long are the traditional banks going to pivot to what sofi does. Everyone acts like the traditional banks are dead the water unable to switch. When they switch to better tech than what. Sofi is just a risk. People act like it’s a sure fire bet

Now that the AWS of fintech story is dead. What separates $SOFI from the other 500 banks I can choose from. Why would I make the switch?

@ThetaForgeX What has the AWS of fintec, got to do with the bank you choose?

@keeptotheleft56 @BpdLion You don’t seem to be very good at manipulating them, have you tried calling them thick, and racist more, it may sway them into following your team if you double down

@BpdLion They're easily manipulated. The msm is feeding this narrative to them and sadly they're happy to believe that, rather than realise that they're being mugged off. Starmer's pathetic and why he has allowed the BBC to platform Reform in particular is crazy.

I'm white, British and working class. Working class people who vote for Reform are thick as pig shit. It's just like Brexit, they hated the EU but couldn't articulate a single reason why.

@EndPopulist @BpdLion Are you on drugs?

@BpdLion They’ve been radicalised by 2 decades of constant drip fed FarRW propaganda and the normalisation of the Bannon Playbook narrative Just like MAGA ghouls they will literally starve to death for their racism and it won’t matter if they are ££s per week better off under a Lab Govt

@BpdLion Is this the way to convince them they are voting for the wrong team? Or is it to push those not sure to vote reform? I never understand calling someone stupid, or racist is a way to convince people not to vote the way they want to,

@eatmychuddies @TOOTFIPPY @WindowsKevin @BraddersOak @BpdLion No the problem has been they are not buying machines, because of the high capital investment needed, wages are cheap

@ianboydsnr @TOOTFIPPY @WindowsKevin @BraddersOak @BpdLion I don't understand, sorry. In economics productivity is a measure of output and not necessarily tangible assets. It's how much what we do is worth (to somebody willing to pay for it). Are companys buying fewer machines because immigrants are doing the same job for peanuts?

I've been thinking, what's the actual end goal for people to who vote Reform? Once they get rid of all the immigrants, will they offer up their sons and daughters to pick potatoes all day for minimum wage? Work in the takeaway shops? Slave away In Amazon distribution centres?

@2147mill £100k changes nothing, when you get there you don’t feel your rich, you got there by not spending, and you continue to not spend going forward, no change.

You can’t live like you’ve made it… before you’ve made it. Lock in early. Build your base. £100k invested changes the game.

@Acevent95706230 @100kDiary It doesn’t matter what people value it at, it’s currently growing revenue at 42%, 3.5% a month, there’s only so long before that reflects in the share price.

@100kDiary I definitely wouldn’t say it’s a $30 stock here .. however, fundamentals are good enough to start a long term position if someone is seeking diversification from Tech and not sacrifice growth

Everyone on here is screaming “$SOFI to $30, buy the dip, generational opportunity.” It’s down 40% YTD. Not a dip. A trend. The fintech bros pumping it forget one thing: SOFI isn’t a tech company. It’s a bank with a worse cost of capital than the banks it’s trying to disrupt. When rates were zero, the story worked. Now? Loan demand softening, credit losses creeping, valuation still priced like it’s 2021. Stop buying other people’s bags because a YouTuber with a ring light told you to.

@eatmychuddies @TOOTFIPPY @WindowsKevin @BraddersOak @BpdLion The problem is cheap labour has meant less investment in mechanisation, And that means less productivity Uk has a productivity problem, and it’s not how hard minimum wage workers are working In fact they are the ones suffering There’s no shortage of educated middle class jobs

@ianboydsnr @TOOTFIPPY @WindowsKevin @BraddersOak @BpdLion Correct, people on the minimum wage are not expected to increase productivity when the minimum wage increases, so it's not always a good thing. However, shouldn't a company that pays staff 10% more than others for job X expect 10% higher productivity as a result?

@100kDiary @shane80941270 It looks like the value is high, but it isn’t, It’s spending $300m a quarter to acquire 1m new members, this is giving an insane growth in revenue, and they recover those acquisition costs in 13months Q1 they made $150m in GAAP revenue, after spending that $300m

@shane80941270 Fundamentals are genuinely strong, valuation is the sticky bit. What’s your time horizon on it?

@100kDiary @Acevent95706230 It’s priced because of a 42% growth in revenue, not because of it being a tech stock It has better cost of funding than a traditional bank, because it doesn’t have a branch network It’s down 40% because it’s used as an interest rate hedge

@Acevent95706230 Fundamentals aren’t the issue. Q1 was great for them! Issue is it’s still priced like a tech stock while doing bank work. That’s why it’s down 40% YTD.

@GrindeOptions If you’re winning at options, then someone else is losing

People think selling options is risky business, but I think the complete opposite. If you have cash sitting in your brokerage not working for you, that’s risky. Now, if you have $50,000 in cash, that’s roughly $500 per week when selling options. Say you own $200,000 worth of $TSLA stock, those shares could be used to generate passive income weekly or monthly. When you take those 400+ shares ($200,000 equivalent) and sell OTM covered calls for say 1%, you’re generating around $1,720 per week or $7,000 per month. That’s a good income stream if you can be consistent at this. Selling options isn’t risky, what’s risky is not using the capital you have to its fullest potential.

@BpdLion Reform will be worse, But I do know, there are a lot of Labour and other supporters who are driving more to reform, With the idea that they are thick, racist gammons, That in my book is never a compulsive argument to abandon reform and vote with you.

@BpdLion @Mutteroo They had austerity well before the Brexit vote.

@Mutteroo The thing is, the have voted for austerity, they voted for brexit, they voted for Boris Johnson, and now voted for Farage. The time for treating these people with kid gloves is over. Unfortunately, they are voting for cruelty, it's what they want.