

PorFormer©
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@porformer
Retweet=Zustimmung Pronomen: make it/so 🖖








“Under my administration, we will be slashing energy and electricity prices by half within 12 months, at a maximum 18 months." “We’re going to get your energy prices down. We’re going to get your energy prices down by 50%.” “Starting on day one, we will end inflation and make America affordable again, to bring down the prices of all goods.” “We’re going down and getting gasoline below $2 a gallon, bring down the price of everything from electricity rates to groceries, airfares, and housing costs.” “A vote for Trump means your groceries will be cheaper." -President Trump on the campaign trail in 2024



$SOFI Q1 Earnings Predictions: SoFi reports earnings on Wednesday morning. Here are my predictions. BREAKOUTS 🟡 Corporate = ($60m) 🔴Tech Platform = $100m (50% Y/Y Increase) 🟢Financial Services = $510m 🟢Lending = $515m Total Net Revenue: $1.065b (38% Y/Y) Analyst consensus: $1.05b vs $1.04b guidance EPS: .13 vs Analyst consensus: .12 (same as guide) Members: +1.05m NOTES: The Tech Platform will likely receive some extra attention this quarter. $CHYM offboarded from the tech platform early and paid a $33m expense to do so. That's gone, as is their revenue from the tech platform. At the same time, many new clients are onboarding in Q1. The challenge is their revenue may not hit in Q1, or at least not hit fully. As a result, that revenue line might drop to the lowest amount since mid '24. The lending and financial services platforms might surprise some, but we have a full quarter of crypto (good for net revenue; not as good for EPS) and we had at least one month of SoFi lending fairly aggressively with their assumption of 2 rate cuts. The extension of the LPB deals also come into play, and the potential softness of that platform looks like it was largely overblown. As I mentioned prior in the quarter, private credit does have some concerns, but this is largely due to SaaS investments causing ripple effects. For some, they're looking to allocate a higher % elsewhere. Member growth should be quite solid with Q1 uniquely being the quarter where all their major sports partnerships coincide. That, coupled with more generous referral and joining bonuses, plus Forbes #1 bank rank (which they proudly display on their website's landing page) and web traffic all signal a robust quarter. FINAL THOUGHTS Due to the tech platform onboarding and $CHYM churning off, this wont' be their strongest quarter of the year, but another step as they accelerate into several of their new growth opportunities this year.















🚨🇦🇷 BREAKING — Milei Reset: Homelessness Explodes in Buenos Aires: Official data reveals that, in the last two years, the homeless population has grown by 57% in the Argentine capital.


