FinanceIntel

$SOFI THIS IS BIG🚨 I think Noto and team had early visibility on the proposed 10% APR cap. This is the reason management chose to dilute and strengthen the balance sheet back in December, giving SoFi the capacity to massively ramp personal loan originations if required. Even if credit card APRs ultimately settle at a middle ground around 20%, card issuers will tighten. Those people don’t stop needing credit, but they will need to change products from credit cards to personal loans. @anthonynoto during the most recent SoFi fireside chat discussing the predatory nature of credit cards. “It’s a dichotomy in that banks are supposed to help you but they are giving you these reward points as a drug that you keep chasing, not realising your building this balance that you’re not going to pay off. You’re getting charged 20-25% interest and who realises they are paying that amount of interest And so we’re going after those people and refinancing them down from 25% to 12%.” A reminder that SoFi has $4.6 Billion in cash, which gives them a rough lending capacity of $43 Billion. Their personal loan originations are about to go nuclear.

@MidlClassMoney Congrats brotha!!

1000 FOLLOWERS!!!! This milestone is insane to me… I can’t thank everyone enough for the support, This account is one of the best decisions I’ve made. LET’S GO 🍻

@Brownmoose I wonder if it’s impacted on the number of followers you have? You have a lot more followers so it would make sense for more of your content to be liked by your followers? Not completely sure why the difference

@finance_intell It’s good for you lol it mean you reach outside audience so potential new followers 😆 I’m at 15%

Is everyone content mostly reach their followers only ? I mean , it’s working against you if you want to grow your audience, I think TikTok and YouTube push creators content a bit wider no? Only 15% of my impressions come from the outside that could help growing an account

$HOOD So many people getting upset over an advertisement😂

@antibearthesis Just think bro, when we get to $0 the only option will be a ⬆️

@finance_intell Every day😂😂

$SOFI Performance over the last 10 trading days. 🔴Mar 6⬇️ 1.82% 🔴Mar 9⬇️0.58% 🔴Mar 10⬇️2.66% 🟢Mar 11 ⬆️ 1.31% 🔴Mar 12⬇️4.48% 🟢Mar 13⬆️0.34% 🔴Mar 16⬇️0.73% 🔴Mar 17⬇️1.47% 🔴Mar 18⬇️1.09% 🔴Mar 19⬇️0.58%

@KennyZufall I think they are wanting a way out. Try and present it as a victory and Trump Is able to come away from it not looking as bad as he could have.

Probably a way to try to draw the conflict to a close with a pyrrhic victory. The question is whether Iran chooses to accept it, just saw a report that they supposedly shot down 4 planes from Israel/US in their airspace. Didn't fact check it though. The allies not joining in to spread the cost and effort for this shows Iran still has quite a bit of leverage here, especially with their strategic location being able to effect global energy flows. I don't think the U.S. is nearly as secure in this conflict as what has been projected by the republican party.

Markets turning slightly green on this news. Does this mean the war is coming to an end?

@KennyZufall What you thinking Kenny? I feel like Netanyahu has said things of this nature in the past, the day after there’s more strikes.

@finance_intell 🤔

@ElliotWaveBull Yeah I don’t think 2026 is going to be too kind, but things can switch faster than we think

@finance_intell This $SOFI dip is intriguing, but if the United States and Iran conflict plays more longer term I expect a market similar to 2022 2022 was not kind to $SOFI

$SOFI The FED expects 1 potential rate cut in 2026. I’m not that optimistic. What I am optimistic about is this: - A business that’s proven it can navigate a difficult macro environment - A business growing at 35% - A business projecting long-term EPS growth of ~40% - A business led by management that buy stock - A business where net deposit growth is accelerating at its fastest rate ever - A business projected to grow net income by ~71% in 2026 Macro might not cooperate. But this business doesn’t need perfect conditions to perform. I just picked up 50 shares with a 50% discount.

@spectatorindex In what world does it rise?

BREAKING: Trump approval rating rises to 40% according to Reuters/Ipsos poll.

@mike_capitalx That would be a better comparison

@finance_intell That’s right but I would prefer comparing it to 2020.

2026 is the new 2022

@KennyZufall Yeah, also the problem isn’t just SoFi. All of FinTech re-rated downwards. Makes me laugh when people make it out as if it’s a SoFi management problem😂

@finance_intell Really surprised me after the momentum from last year. I knew the dilution was going to be arbitraged and we'd likely go lower for a bit but certainly wasn't expecting a subsequent war on Iran & for it to slide this far.

$SOFI in its most oversold points in the stock history. Nothing has changed except sentiment & risk tolerance, Guidance still shows strong growth this year. This should be very near bottom but the market can stay irrational longer than you can remain solvent, avoid large margin positions.

@KennyZufall Very nice man, just hope this war gets wrapped up sooner rather than later and we can resume normal business

@finance_intell yeah I started buying in the 20's after EPS as well, was surprised at how far it went down from that report but i've got my average back down to $19 now. Can average down more aggressively the longer it stays down.

What’s your YTD performance looking like so far? I am currently in the red 7.7%🔴

@antibearthesis DCA to $0

@finance_intell Ill buy the dip forever

@KennyZufall Yeah I was buying in the 20s which ruined my average on SoFi too. I am looking forward to seeing some (hopefully) big Q1 numbers.

@finance_intell Actually IREN 😂 Should have sold the rumor of the deal and subsequent price spike in january but im back to just above break even on it. SOFI im just under a loss after averaging up aggressively from my DCA over previous years.

@BrokenToysInv Yeah, I don’t think the short term is going to be too kind. But I do think the long term will be.

@finance_intell Feels like one of those setups where the story gets dismissed early Then a few years later people act like it was obvious the whole time $SOFI

@bsngln38133 What’s your YTD?

@finance_intell Hang in there, the rebound's coming!