Added to YB: 2026-04-20
Pitch date: 2026-02-17
SOFI [bearish]
SoFi Technologies, Inc.
+0.21%
current return
Author Info
No bio for this author
Company Info
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Market Cap
$24.8B
Pitch Price
$19.47
Price Target
4.00 (-79%)
Dividend
N/A
EV/EBITDA
N/A
P/E
50.39
EV/Sales
N/A
Sector
Consumer Finance
Category
value
SoFi Technologies, Inc. - $SOFI (short)
SOFI (short): Bank masquerading as fintech. 60% NII, largest US unsecured personal loan originator ($30B pace, 25% market share). Aggressive fair value acctg (4.46% discount on 13% yielding loans) + capitalized marketing inflates earnings ~60%, book ~70%, CET1 to 23% vs ~14% under CECL. Growth slowing amid saturation, competition, credit deterioration in 2025 ABS. AI risk to white-collar borrower base. PT $4 (~75% downside).
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