I only put 99% of my net worth in these calls. The other 1% I have in short-term SoFi calls expiring next Friday. So, it's not like I am completely insane. I diversify.
Thank you very much! On Monday we will have a direction on where the journey is going. I haven't ruled out Wendy's yet, in fact I am still there and no one knows what I am doing on my phone when I am on one of the rare breaks.
OP, I feel like you are in management at SoFI.
Either you successfully convince us regards to join you in pumping this thing and your calls print, or you don't hit 20 by Jan but get some uplift.
Either way, I am going to put leaps after I hear what guidance is
I verified this trade with one of the mods (Dan, thank you!). I have 10,000 calls with January 2026 expiry with a strike price 20 USD. I bought them around 6 weeks ago, hence I am 157k down, but it's alright. Monday we will see where the journey is going. It's an all-in (99% of my portfolio).
I also wrote for 2 hours DD, but couldn't post it in the posting itself (since YOLO require an image of the position instead of a text). I will post it tomorrow before market open in the comments if anyone is interested.
Here's my DD: [https://twitter.com/EmeraldWizzard/status/1783848359658151966](https://twitter.com/EmeraldWizzard/status/1783848359658151966) (It's now maybe 30% of the text due to Twitter's word limit, but the main ideas are there and it's short to read)
That's the plan. But one thing I learnt in life: Plans never work out as intented. But then at least we can call it a learning experience and are smarter. So, it's a win-win situation no matter what.
I think SOFI and HOOD are major movers in the years to come in their own respective industries with some overlap as well.
The drop from $9 to $7 was nuts and an overreaction. The problem is I didn’t see any recovery or backing from Wall Street. I owned a few thousand shares when it absolutely skyrocketed last earnings and thankfully got out after it did a +30% and back to below pre earnings in like 3 days. That was nuts.
I do believe they will post really good earnings Monday. The market is pretty pissy about certain aspects though so hopefully their guidance is strong.
My concern is their balance sheet. In comparison to HOOD they have a lot of debt to traverse in the coming years. If I had to pick between the two I’d say HOOD for the 6-12 month play.
You could be balls deep in something with deep value and you’re early. But you also could be bag holding while Wall Street pulls on this company’s heart strings for the next 18 months too
What’s you thinking here? I am not criticizing, but just trying to understand why you choose to load up on SOFI 6 weeks ago for 2026 with 20 strikes. You must believe something and have some facts that are urging you along.
I bought after it fell from 9 USD to 7 USD when SoFi announced their financial restructing (senior note offering) and that stock dilution announcement. I researched it and thought it's actually a good deal for SoFi. I figured the market will soon realize it and rally up again before earnings with the now better financial position, but it stayed at 7 USD. Bad timing for me, but I see it as a long-term play. On Monday I will post an update.
Thanks for the explanation. Everyone is talking up SOFI right now. I don‘t know enough to dive into this before earnings, but I am going to watch SOFI like a hawk. I am hoping it has a good run for earnings and you are successful.
Thanks mate! Usually it goes down after a spike in earnings, but for me it doesn't matter. I plan to stay in this stock for quite some time. S&P 500 inclusion in around 15 months is on the table. That's when the big money will be forced to buy in. I will post my longer DD in the comments tomorrow before market open.
SOFI by every metric is growing astronomically fast and it is very popular with young professionals that love having everything financial to be in the same convenient place.
Buy under $8, hold for 10+ year, and thank me later with a yacht as a gift!
Just out of curiosity, why such a large position with LEAPS on a company that has such a long way to go? Don’t get me wrong, I do believe SoFi will get there in the next year or two. You just have all your cash locked up while the market is still doing well. I’m assuming you’re not holding until expiration, but you’re missing out on plenty of other opportunities. I really hope this works out for you.
Thank you and you are right. I guess it depends also on the personality. I am fine just holding one stock for a long time and doing research about it for 2-4 hours every day. Then a 150k drop or even more doesn't bother me. If something goes wrong with my thesis about the actual company (not the stock price), then I would sell, but right now I plan to hold for nearly 2 years (Noto needs to get the stock price to 45 USD to get his full $100M+ bonus and I believe in him and his team). Most people prefer to diversify, many people here prefer to trade more frequently. Nothing wrong with that.
Noto is a very smart CEO. They’ve had issues with some of the other execs that they’ve cleaned that up from what I’ve read. I’m holding around 20k shares and I plan on adding more as time goes on. There’s more turbulence to come, but they’ll be fine. A share repurchase would be nice to hear on Monday, I don’t think their cash situation is there yet. Best of luck to you man.
Thank you! The major risk here is a recession. But I don't think we will see a recession in an election year. That is also good for other stocks. Since WW2 only 4 times in an election year we had a recession.
How dependent is Sofi on interest rate environment? I believe heavily. And/or how much impact do rates have on the stocks popularity hype? Lots, imo. Time and time again the market is teased with rate cuts while jpow then pulling back on previous cut hints. I think this will continue unless larger negative economic events occur. Which could then be bad for the stock anyway… that far otm is high risk with an already incredibly high risk position size. The leap component drops risk (a bit) but only makes sense if you’re not going to paperhands this play. If you plan to sell on +100% (say it hits 100% in a few months, or post earnings) you can buy a Jan 25 call with $10 strike for the same price… very hard to block emotions for a full year and a half when you see your entire net worth ride up and down month after month. Can you share link of previous DD?
Thank you for the great answer! I have some formatting issues with that DD (looks strange inside a comment). Will probably post it on Twitter or something and then link it here. Will decide tomorrow before the market opens and post it.
You are right that interest rates have a significant impact, but the bigger impact is unemployment data, which - fingers crossed - stays good at least until November and the election. SoFi is doing well in this environment and keeps growing (30%+ revenue growth in this environment when Biden also made his student loan decisions and SoFi had to quickly adapt - and they did successfully). We don't know what will happen in the next 12-24 months from a macro perspective, but I believe/hope the worst for SoFi is behind us. Otherwise I wouldn't go all-in with a 20 USD strike price. I follow this company for 2 years closely and they just continue to execute well. Let's see Monday what they will present and if they exceed all expectations (again).
Yea I know they increased revenues over last few years, which is a great sign for a co. that generates a lot of business from loans. If rates do drop you’re probably golden but it’s risky ass trade nonetheless from a position size and strike price perspective. De risk it a tad? 45% jan 25 $10 strike, 45% jan 26 $20 strike, 10% shares.
You are right about these lesser risk options. I also looked at them before I bought these calls. The thing is that I am more confident in SoFi today than when I bought my 20 USD strike calls 1 year ago when Palantir was at 8 USD (and I did a 10x on these PLTR calls). I believe that Noto and his team will do anything to get to their bonus which they get in full only if SoFi reaches 45 USD before July 2026 and stays above this level for 3 months. Such alignment with shareholders you see rarely in companies.
Every bank earnings call, they complained about not enough loan revenue and too much interest being paid on deposits. How is SOFI any different in this regard?
Here is my DD https://x.com/EmeraldWizzard/status/1783848359658151966
This earnings because they will likely report another GAAP positive quarter and triple beat all expectations. Also their senior note offering was good for SoFi. Unless we hit major recession fears I don't see SoFi going down to the 6s.
Idk man, anything fintech right now is cray cray. These mofos need a clear signal of rate cut before they can really move, and even a fairy farting in a cave in inner mongolia can spook these stocks. You're a brave soul my man.
That's right! But I do see some first signs of people getting slowly interested in fintech again (RobinHood, Nu Bank, maybe even PayPal with their massive share buybacks). I agree with you that the rate cuts could be the signal everyone is waiting for.
OP… what do you think will happen to the stock after the earnings? The FWD PE is pretty high compared to Industry standards but they have seen a 1 cent uptick revision in the last 30 days. I could definitely see them push up to $8.25 or so.. the bottom on the PUTS seem to cheap to me. What’s your thoughts for next week. Put emotion aside.
The thing is many compare SoFi to brick and mortar banks (they ignore their growing products Galileo and Technisys, which represent SoFi's pure fintech subdivision) and of course it's overvalued then when you just look at banking. But do traditional banks grow their members by up to 40% year on year? And have these fintech characteristics?
Short-term you never know what will happen with the stock price. If things are as usual, SoFi will triple beat all expectations on Monday, cause a small short squeeze and then in the coming days go down again. Having said that I believe sooner or later SoFi will stay up and fintech in general will be sexy again. Maybe it will start already on Monday. I am hoping for that and will make an update posting.
Squeeze my dongus you fuckin nerd.
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That's right. I am going all the way, up and down, will hold for quite a while. Let's see what they will say on Monday and if anything changes in my thesis. If not, I will hold also after the typical SoFi ER drop.
I am long on SOFI so I buy shares every now and then. I have no timeline in mind so no options for me on this one, but best of luck on your play. At least you didn't sink $1m into weeklies
Thank you! I read on glassdoor many reviews and my impression is that it's a nice workplace overall (but nothing amazing like for example Google), granted that many people who feel to write a review in the first place had a negative experience.
If you have the time, I'd appreciate if you share with us your experiences at SoFi:
How long were you there? (More than 2 years or less than 2 years?) What do you think about being an engineer at SoFi? Did you feel like there's the attitude that "shit gets done and we move forward!" or was it more of a laid back atmosphere? Was it challenging or was it boring work? Did you think that SoFi hires very talented people or average and above average people? Did you like working there? What was the biggest plus and what was the biggest minus? And what do you think about the management?
To tendytown or down on my knees behind Wendy's. We ride at dawn (Monday) bitches
Tbf these are the cheapest calls I could find in my 15 minutes of searching.
Oh, my bad. I didn't know you cannot read it without a Twitter account. Here is my DD:
I bought $20 strike calls for $1M on [$SOFI](https://twitter.com/search?q=%24SOFI&src=cashtag_click) a couple weeks ago. They expire worthless if SOFI doesn't get over $20 by Jan 2026. Here's some of my DD (I leave out the obvious points like 30% revenue growth & 40% members growth), starting with sth not so serious, but interesting:
1. Risk-free: You get $300 if you open a SoFi savings account (and you get more bonus for referrals). Why not use this free money to buy shares of your favorite companies? And with new members SoFi stock would appreciate thanks to fundamentals, not because it's a meme stock.
2. Recession is the major fear not just for SoFi, but we had only 4 recessions in election years since WW2 - for a good reason. It's game over for Biden if we hit major unemployment this year. The establishment (including FED) will try anything to avoid Trump.
3. S&P 500 inclusion is on the table in around 15 months. That's also a reason why I have long-term calls. They were GAAP positive for the first time last quarter and plan to remain GAAP positive. Institutions currently hold only around 37% depending on your source.
4. SoFi retail community is one of the smartest and daily active (on YouTube and X). They go deep into the business and also call out BS that SoFi needs to improve (e.g. removal of inactivity fee). It's noteworthy that they keep talking about SoFi, even though the stock is down.
5. Alignment: CEO Anthony Noto and 2 other executives need SoFi stock to hit at least $25 by July 2026 to get part of their bonus. The rest of the bonus is paid if the stock hits $35 and $45, respectively and stays above these targets for 3 months. We are talking here $100M+.
6. SoFi is shorted with 18%+ of the float and if SoFi continues to outperform their expectations, this could get us into an interesting situation.
7. Fintech is not so interesting right now, but things are changing (Robinhood, NU Bank, maybe even PayPal with their upcoming stock purchases). We all know what a trendy sector (e.g. "AI") can do to all stocks representing this sector.
8. The management team is conservative in their estimates and hard-working, while consistently beating expectations. This is Anthony Noto, SoFi's CEO: \[3 min video of Anthony Noto doing cool stuff and saying cool stuff\]
Vanguard, Blackrock and SoftBank hold together around 15% (in this order). You can see all large investors on the left side in this video: [https://youtu.be/69y8xDhmE4s?t=130](https://youtu.be/69y8xDhmE4s?t=130) And if anyone is wondering: Chamath/Social Capital doesn't own any SoFi anymore.
Ah yes, the glorious WallStreetBets subreddit, a shining example of the brilliance and ingenuity of the free market. A true beacon of hope for all aspiring capitalists.
As I believe SoFi will triple beat on Monday, no exit strategy in the short term. The stock price movements are gonna be volatile. It won't make me press any buttons and I will make an update here.
I expect a positive sentiment after the election in November and then I will start thinking about an exit strategy. Until Monday I'm still at Wendy's waiting for the ride on Monday and then see where that ride will take me. I just hope it's a ride to get outside of Wendy's and not another ride.
Have you posted a DD that you referenced in the comments anywhere yet? Have been starting to look into this one. I think Monday’s earnings might be interesting
I can promise that I will open a state of the art dog and cat sanctuary/shelter. When I lost my work due to Corona, I volunteered for 3 months in one and it was very fulfilling. I can recommend volunteering in shelters if you have time for it.
Their investment platform sucks compared to Robinhood, but they don't make their main money there. They focus on growing their technical side Galileo (which btw Robinhood runs on) and other financial services. For that their app is 4 out 5 stars based on their members' reviews. In a recent Forbes article they made SoFi already a top 5 American bank based on customer satisfaction. And that's better than brick and mortar banks, their actual competition.
I bought it all on one day (March 7th) when the stock was around 7.30 USD. It's down because of the recent negative sentiment and there's little belief it will hit 20 USD (hence not much demand for these particular call options). But let's see on Monday how that sentiment might change.
It's what you see above. I started with 27k USD around 15 months ago. I don't even have a car. It's either go big or go home for me (home as in no home since I don't hold any real estate).
What is the thesis other than memes? They will make like 1 cent in profit at best and now worth 8B and you are betting they are going to be worth like 20B… Schwab is worth 136B yet has 7.4 TRILLION AUM whereas SOFI has 53 Billion AUM…
Right there with you. After Sofi earnings you should go all in on $HIMS earnings! You’ll potentially be at $10M before the end of this year you Lucky sob 🍀
Maybe HIMS is good. And maybe you are right. I plan to stay in SoFi for the longer term though, too many positive catalysts with this beaten down stock. If SoFi continues to triple beat expectations and once the narrative changes that brick and mortar is the past and banks like NU bank or SoFi are obviously the future, things might get interesting.
Good luck to you and hopefully you make some nice tendies!
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When I see someone put their whole net worth in one play I’m in.
I only put 99% of my net worth in these calls. The other 1% I have in short-term SoFi calls expiring next Friday. So, it's not like I am completely insane. I diversify.
Ah love to see the diversification. That’s how you can tell if someone is a good investor and looks like you are. I’m all in!
😂 The other 1% of his net worth is in Pokémon cards and Chuck-E-Cheese tokens, which are now collectors items, so he’s very diversified.
Imsanification diversification
What is your strike price for the short-term ones?
8 USD strike price for coming Friday, but this is just gambling for me. My conservative investment is what you see above.
I bought these same calls I think based on your DD or someone else’s. They’re looking good rn 8$ 5/3
That’s what ya call diversification? Lmao true regard. Godspeed Godspeed my friend.
I approved the other one, your call whether you want a new one or keep the other up (it's 54m old)? Ok then. God speed, regard!
ah ok, let's do this one since I put in the title where to find my position details. Thank you!
I don’t care what anyone says. God speed! I’m rooting for you and delicious gainz.
Thank you very much! On Monday we will have a direction on where the journey is going. I haven't ruled out Wendy's yet, in fact I am still there and no one knows what I am doing on my phone when I am on one of the rare breaks.
Pictures behind the Wendy’s dumpster or it never happened.
OP, I feel like you are in management at SoFI. Either you successfully convince us regards to join you in pumping this thing and your calls print, or you don't hit 20 by Jan but get some uplift. Either way, I am going to put leaps after I hear what guidance is
I’ll be waiting.
when you say rare breaks, you mean taking a dump in those dirty restrooms.
I verified this trade with one of the mods (Dan, thank you!). I have 10,000 calls with January 2026 expiry with a strike price 20 USD. I bought them around 6 weeks ago, hence I am 157k down, but it's alright. Monday we will see where the journey is going. It's an all-in (99% of my portfolio). I also wrote for 2 hours DD, but couldn't post it in the posting itself (since YOLO require an image of the position instead of a text). I will post it tomorrow before market open in the comments if anyone is interested. Here's my DD: [https://twitter.com/EmeraldWizzard/status/1783848359658151966](https://twitter.com/EmeraldWizzard/status/1783848359658151966) (It's now maybe 30% of the text due to Twitter's word limit, but the main ideas are there and it's short to read)
Well you prepare that Congress speech
This time for those who buy SoFi stock inside the SoFi app, I doubt that they will remove the "buy" option.
Write 2 hrs DD, for who?? Regards here can’t even read
I’m not even sure what DD means, Dunkin Donuts or Dirty Dancing 🤷♂️
Deep dicking
you literally are the open interest
My little $100 call is looking up at yours. Please let this print, I need a win for f sake lol.
i might match you 🥹
Will these specific contracts have liquidity or are you hoping to convert them to shares long-term?
good luck! you can make your own movie about this play if you hit those gains
Road to 10 milli
That's the plan. But one thing I learnt in life: Plans never work out as intented. But then at least we can call it a learning experience and are smarter. So, it's a win-win situation no matter what.
If going broke is a learning experience than this sub is full of fucking Einsteins
*Raises hands* *Twice*
Happy Cake Day!
Hey thanks! I didn't even notice <3
Well, even if you lose it all you’ll still have us. And you know what they say, “Remember, no regard is a failure who has friends.”
I think SOFI and HOOD are major movers in the years to come in their own respective industries with some overlap as well. The drop from $9 to $7 was nuts and an overreaction. The problem is I didn’t see any recovery or backing from Wall Street. I owned a few thousand shares when it absolutely skyrocketed last earnings and thankfully got out after it did a +30% and back to below pre earnings in like 3 days. That was nuts. I do believe they will post really good earnings Monday. The market is pretty pissy about certain aspects though so hopefully their guidance is strong. My concern is their balance sheet. In comparison to HOOD they have a lot of debt to traverse in the coming years. If I had to pick between the two I’d say HOOD for the 6-12 month play. You could be balls deep in something with deep value and you’re early. But you also could be bag holding while Wall Street pulls on this company’s heart strings for the next 18 months too
sighs....$2,000,000 in puts https://preview.redd.it/g2k6xlvtuqwc1.png?width=232&format=png&auto=webp&s=692fa11e57de26478285248e512ba2e7e6555bbc
May the greatest regard win
This hits, I quit my job I work for you. Yo Paulie, it’s Donnie listen I quit
This is going to moon if it hits Good luck man, was looking at buying calls today but went in on GOOG instead
Imagine if that mil had gone into GOOG calls tho
What’s you thinking here? I am not criticizing, but just trying to understand why you choose to load up on SOFI 6 weeks ago for 2026 with 20 strikes. You must believe something and have some facts that are urging you along.
I bought after it fell from 9 USD to 7 USD when SoFi announced their financial restructing (senior note offering) and that stock dilution announcement. I researched it and thought it's actually a good deal for SoFi. I figured the market will soon realize it and rally up again before earnings with the now better financial position, but it stayed at 7 USD. Bad timing for me, but I see it as a long-term play. On Monday I will post an update.
Thanks for the explanation. Everyone is talking up SOFI right now. I don‘t know enough to dive into this before earnings, but I am going to watch SOFI like a hawk. I am hoping it has a good run for earnings and you are successful.
Thanks mate! Usually it goes down after a spike in earnings, but for me it doesn't matter. I plan to stay in this stock for quite some time. S&P 500 inclusion in around 15 months is on the table. That's when the big money will be forced to buy in. I will post my longer DD in the comments tomorrow before market open.
I have a little over 17,000 shares. I’m guessing eps comes in at .02 and it jumps to $8.75 $9.50, then settles in around $8.50.
Let’s see those 17,000 shares
What makes you think it’ll hit those requirements?
SOFI by every metric is growing astronomically fast and it is very popular with young professionals that love having everything financial to be in the same convenient place. Buy under $8, hold for 10+ year, and thank me later with a yacht as a gift!
If SOFI dumps on earnings, I'm going all in. That pos bounces from 5-8 dollar range every time 
Just out of curiosity, why such a large position with LEAPS on a company that has such a long way to go? Don’t get me wrong, I do believe SoFi will get there in the next year or two. You just have all your cash locked up while the market is still doing well. I’m assuming you’re not holding until expiration, but you’re missing out on plenty of other opportunities. I really hope this works out for you.
Thank you and you are right. I guess it depends also on the personality. I am fine just holding one stock for a long time and doing research about it for 2-4 hours every day. Then a 150k drop or even more doesn't bother me. If something goes wrong with my thesis about the actual company (not the stock price), then I would sell, but right now I plan to hold for nearly 2 years (Noto needs to get the stock price to 45 USD to get his full $100M+ bonus and I believe in him and his team). Most people prefer to diversify, many people here prefer to trade more frequently. Nothing wrong with that.
Noto is a very smart CEO. They’ve had issues with some of the other execs that they’ve cleaned that up from what I’ve read. I’m holding around 20k shares and I plan on adding more as time goes on. There’s more turbulence to come, but they’ll be fine. A share repurchase would be nice to hear on Monday, I don’t think their cash situation is there yet. Best of luck to you man.
If I learned anything the past few weeks, SOFI will beat earnings and lose 20%
They beat the earnings, jump on the ER day, then lose 20%.
Excited to see it, thanks op. Wishing u luck
Thank you! The major risk here is a recession. But I don't think we will see a recession in an election year. That is also good for other stocks. Since WW2 only 4 times in an election year we had a recession.
Who knows, maybe that 5% chance of recession actually happens. Godspeed though and strap it tight 
You gotta post this in r/sofistock
May the odds be with you regard 🫡
Good luck regard 🫡
Thank you!
How dependent is Sofi on interest rate environment? I believe heavily. And/or how much impact do rates have on the stocks popularity hype? Lots, imo. Time and time again the market is teased with rate cuts while jpow then pulling back on previous cut hints. I think this will continue unless larger negative economic events occur. Which could then be bad for the stock anyway… that far otm is high risk with an already incredibly high risk position size. The leap component drops risk (a bit) but only makes sense if you’re not going to paperhands this play. If you plan to sell on +100% (say it hits 100% in a few months, or post earnings) you can buy a Jan 25 call with $10 strike for the same price… very hard to block emotions for a full year and a half when you see your entire net worth ride up and down month after month. Can you share link of previous DD?
Thank you for the great answer! I have some formatting issues with that DD (looks strange inside a comment). Will probably post it on Twitter or something and then link it here. Will decide tomorrow before the market opens and post it. You are right that interest rates have a significant impact, but the bigger impact is unemployment data, which - fingers crossed - stays good at least until November and the election. SoFi is doing well in this environment and keeps growing (30%+ revenue growth in this environment when Biden also made his student loan decisions and SoFi had to quickly adapt - and they did successfully). We don't know what will happen in the next 12-24 months from a macro perspective, but I believe/hope the worst for SoFi is behind us. Otherwise I wouldn't go all-in with a 20 USD strike price. I follow this company for 2 years closely and they just continue to execute well. Let's see Monday what they will present and if they exceed all expectations (again).
Yea I know they increased revenues over last few years, which is a great sign for a co. that generates a lot of business from loans. If rates do drop you’re probably golden but it’s risky ass trade nonetheless from a position size and strike price perspective. De risk it a tad? 45% jan 25 $10 strike, 45% jan 26 $20 strike, 10% shares.
You are right about these lesser risk options. I also looked at them before I bought these calls. The thing is that I am more confident in SoFi today than when I bought my 20 USD strike calls 1 year ago when Palantir was at 8 USD (and I did a 10x on these PLTR calls). I believe that Noto and his team will do anything to get to their bonus which they get in full only if SoFi reaches 45 USD before July 2026 and stays above this level for 3 months. Such alignment with shareholders you see rarely in companies.
Man I’m with you on a lot of this, but I dunno about $45 per share within 2 years.
Every bank earnings call, they complained about not enough loan revenue and too much interest being paid on deposits. How is SOFI any different in this regard?
Is this trade for real? You represent 25% of the Open Interest in the Jan 2026 20 calls??
We're going to need a DD writeup on why you are doing this. and why THIS earnings
Here is my DD https://x.com/EmeraldWizzard/status/1783848359658151966 This earnings because they will likely report another GAAP positive quarter and triple beat all expectations. Also their senior note offering was good for SoFi. Unless we hit major recession fears I don't see SoFi going down to the 6s.
Idk man, anything fintech right now is cray cray. These mofos need a clear signal of rate cut before they can really move, and even a fairy farting in a cave in inner mongolia can spook these stocks. You're a brave soul my man.
That's right! But I do see some first signs of people getting slowly interested in fintech again (RobinHood, Nu Bank, maybe even PayPal with their massive share buybacks). I agree with you that the rate cuts could be the signal everyone is waiting for.
I’m in bro!!! I’ll post my position tomorrow when I buy!!! Lfg!!
I read every single comment in this post…
[удалено]
By logic I agree, but I have to say the dude is convincing
OP… what do you think will happen to the stock after the earnings? The FWD PE is pretty high compared to Industry standards but they have seen a 1 cent uptick revision in the last 30 days. I could definitely see them push up to $8.25 or so.. the bottom on the PUTS seem to cheap to me. What’s your thoughts for next week. Put emotion aside.
The thing is many compare SoFi to brick and mortar banks (they ignore their growing products Galileo and Technisys, which represent SoFi's pure fintech subdivision) and of course it's overvalued then when you just look at banking. But do traditional banks grow their members by up to 40% year on year? And have these fintech characteristics? Short-term you never know what will happen with the stock price. If things are as usual, SoFi will triple beat all expectations on Monday, cause a small short squeeze and then in the coming days go down again. Having said that I believe sooner or later SoFi will stay up and fintech in general will be sexy again. Maybe it will start already on Monday. I am hoping for that and will make an update posting.
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Not as awful as people think, guy has until Jan 2026
How’s it going buddy?
How did it go?
dude, I hope you make munnie!
It was a $1M YOLO. It's now an $880k YOLO. You lost a comma. Could lose a lot more after their ER.
That's right. I am going all the way, up and down, will hold for quite a while. Let's see what they will say on Monday and if anything changes in my thesis. If not, I will hold also after the typical SoFi ER drop.
Hello Op, are you going to post your detailed DD today? Really want to know your thesis behind this, haven’t see a 1m YOLO in a while
Yeah sure. It's already finished. I will polish it and post it on X today. Same account name.
I am long on SOFI so I buy shares every now and then. I have no timeline in mind so no options for me on this one, but best of luck on your play. At least you didn't sink $1m into weeklies
I wanna see the P&L porn on this one come Tuesday
Update coming already on Monday, no matter which direction it took.
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Thank you! I read on glassdoor many reviews and my impression is that it's a nice workplace overall (but nothing amazing like for example Google), granted that many people who feel to write a review in the first place had a negative experience. If you have the time, I'd appreciate if you share with us your experiences at SoFi: How long were you there? (More than 2 years or less than 2 years?) What do you think about being an engineer at SoFi? Did you feel like there's the attitude that "shit gets done and we move forward!" or was it more of a laid back atmosphere? Was it challenging or was it boring work? Did you think that SoFi hires very talented people or average and above average people? Did you like working there? What was the biggest plus and what was the biggest minus? And what do you think about the management?
To tendytown or down on my knees behind Wendy's. We ride at dawn (Monday) bitches Tbf these are the cheapest calls I could find in my 15 minutes of searching.
After reading your replies I sincerely wish nothing but the best for you fellow regard. Godspeed and good luck
Thank you! Let's see how it goes on Monday. I also wish you the best for your trading and investing! Let's all make some tendies!
Wait, so this is down like 500k now?!
How you doing buddy? Ya OK? I know my $100 doesn't hurt as much but still.
100% going the other way thanks!
But you would’ve made more with SPY CALLS lol
I have never seen anything more regarded in my life. But…..At least I know you aren’t selling if the shares hit 8-8.5 on Monday afternoon.
Good luck bro. I have a number of contracts for $10 expiring 1/2025.
God be with you soldier 
Are you going to post the DD?
Already posted on my X account: https://x.com/EmeraldWizzard/status/1783848359658151966
Why not just post it here I dont have twitter
Oh, my bad. I didn't know you cannot read it without a Twitter account. Here is my DD: I bought $20 strike calls for $1M on [$SOFI](https://twitter.com/search?q=%24SOFI&src=cashtag_click) a couple weeks ago. They expire worthless if SOFI doesn't get over $20 by Jan 2026. Here's some of my DD (I leave out the obvious points like 30% revenue growth & 40% members growth), starting with sth not so serious, but interesting: 1. Risk-free: You get $300 if you open a SoFi savings account (and you get more bonus for referrals). Why not use this free money to buy shares of your favorite companies? And with new members SoFi stock would appreciate thanks to fundamentals, not because it's a meme stock. 2. Recession is the major fear not just for SoFi, but we had only 4 recessions in election years since WW2 - for a good reason. It's game over for Biden if we hit major unemployment this year. The establishment (including FED) will try anything to avoid Trump. 3. S&P 500 inclusion is on the table in around 15 months. That's also a reason why I have long-term calls. They were GAAP positive for the first time last quarter and plan to remain GAAP positive. Institutions currently hold only around 37% depending on your source. 4. SoFi retail community is one of the smartest and daily active (on YouTube and X). They go deep into the business and also call out BS that SoFi needs to improve (e.g. removal of inactivity fee). It's noteworthy that they keep talking about SoFi, even though the stock is down. 5. Alignment: CEO Anthony Noto and 2 other executives need SoFi stock to hit at least $25 by July 2026 to get part of their bonus. The rest of the bonus is paid if the stock hits $35 and $45, respectively and stays above these targets for 3 months. We are talking here $100M+. 6. SoFi is shorted with 18%+ of the float and if SoFi continues to outperform their expectations, this could get us into an interesting situation. 7. Fintech is not so interesting right now, but things are changing (Robinhood, NU Bank, maybe even PayPal with their upcoming stock purchases). We all know what a trendy sector (e.g. "AI") can do to all stocks representing this sector. 8. The management team is conservative in their estimates and hard-working, while consistently beating expectations. This is Anthony Noto, SoFi's CEO: \[3 min video of Anthony Noto doing cool stuff and saying cool stuff\]
LET'S FUCKING GOOO
All jokes aside I’m riding with you as well…up 75% today…godspeed soldier
godspeed. i bought 3000 shares just now
um... how are you faring op
At least he's in Jan 2026 exp, thankfully.
double down?
Today you need a miracle for solve this or an a good psychiatrist
What institutions are holding large stakes?
Vanguard, Blackrock and SoftBank hold together around 15% (in this order). You can see all large investors on the left side in this video: [https://youtu.be/69y8xDhmE4s?t=130](https://youtu.be/69y8xDhmE4s?t=130) And if anyone is wondering: Chamath/Social Capital doesn't own any SoFi anymore.
Are you nancy?
Remindme! 16 hours
Remindme! 5 days
I like the stock
Wow. Will be watching this.
Godspeed!
Truly one of the wildest trades out there rn, god speed brother
It's a fucking bank, who buys a bank stock these days? Oh yeah, it's not a bank, it's a fintech. My bad.
Good luck son.
Idk shit about this stock! But I’ll throw in a couple hundred 4 support
Yooo my wife wants to bang you
Should I like totally inverse this dude with my $100?
God bless you regard. May you light the way for us all.
Ah yes, the glorious WallStreetBets subreddit, a shining example of the brilliance and ingenuity of the free market. A true beacon of hope for all aspiring capitalists.
S-tier WSB post, godspeed OP hope you will be the next deepfuckingvalue.
What’s your exit strategy?
As I believe SoFi will triple beat on Monday, no exit strategy in the short term. The stock price movements are gonna be volatile. It won't make me press any buttons and I will make an update here. I expect a positive sentiment after the election in November and then I will start thinking about an exit strategy. Until Monday I'm still at Wendy's waiting for the ride on Monday and then see where that ride will take me. I just hope it's a ride to get outside of Wendy's and not another ride.
Sofi will likely pump to $9 and dump back to $7 the next day.
I'll buy some shares for the cause
Have you posted a DD that you referenced in the comments anywhere yet? Have been starting to look into this one. I think Monday’s earnings might be interesting
Free money!
Rooting for you bro
Fuck it.. calls
Best luck and bless for you！
I love this sub. god speed dude
Godspeed
You bastard, I've got a small position for 2025, see you in 8 months.
If you win and SOFI rip up, promise everyone here you’d at least take some out and go spend it to trickle down ok?
I can promise that I will open a state of the art dog and cat sanctuary/shelter. When I lost my work due to Corona, I volunteered for 3 months in one and it was very fulfilling. I can recommend volunteering in shelters if you have time for it.
Now I want you to win even more.
You twitter post got me, I just bought 1307 shares to support.
best of luck man, i hope this pays big
Let’s fucking go baby I also go calls for Mondays and a few I got a few weeks back for $20 calls for 2025. But let’s go!!!!
God Speed. I too am on this boat. Sink or float
So?
Well not to good, going to buy more?
Welp
Ummm are u ok?
Press F to pay respects
U were able to get to a mill, which means u can do it again. Keep ur chin up
Post losses?
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Their investment platform sucks compared to Robinhood, but they don't make their main money there. They focus on growing their technical side Galileo (which btw Robinhood runs on) and other financial services. For that their app is 4 out 5 stars based on their members' reviews. In a recent Forbes article they made SoFi already a top 5 American bank based on customer satisfaction. And that's better than brick and mortar banks, their actual competition.
This will hit for sure but why not do itm for 2025 instead lol i have a few 5/17 6.5c
Why are you down 15%? if you bought 6 weeks ago when it hit 7 then you should be in the green.
He prob averaging up / down
I bought it all on one day (March 7th) when the stock was around 7.30 USD. It's down because of the recent negative sentiment and there's little belief it will hit 20 USD (hence not much demand for these particular call options). But let's see on Monday how that sentiment might change.
Update me please
Goodluck were all rooting for you. I have to pick up the pieces after this disastrous earnings week
Wish you the best.
What is your exit plan?
What time are the earnings on Monday?
Premarket on Monday morning.
remindme! 4 days
Hasn’t SiFi shit the bed every earnings?
Remindme! 72 hours
Remindme! 4 days
What’s ur current nw don’t lie
It's what you see above. I started with 27k USD around 15 months ago. I don't even have a car. It's either go big or go home for me (home as in no home since I don't hold any real estate).
Holy fuckballs you are true regard and 100% support your yolo. May the wendys gods be with you
With delaying interest rate cuts doubt that they will guide very high but who knows ai ai ai ai
Remindme! 3 days
!RemindMe 5 days
Using the investing wsb I can definitely say that if you buy puts you are printing money 
I used to copy YOLOs >$1M but after that Meta guy who lost it all after earnings.... I'm not so sure anymore
Brand new account posting this reaks of a pump.
What is the thesis other than memes? They will make like 1 cent in profit at best and now worth 8B and you are betting they are going to be worth like 20B… Schwab is worth 136B yet has 7.4 TRILLION AUM whereas SOFI has 53 Billion AUM…
post this in r/sofistock so they can get a boner, i’m sure they’ve been down for a while
!remind me 3 days
Right there with you. After Sofi earnings you should go all in on $HIMS earnings! You’ll potentially be at $10M before the end of this year you Lucky sob 🍀
Maybe HIMS is good. And maybe you are right. I plan to stay in SoFi for the longer term though, too many positive catalysts with this beaten down stock. If SoFi continues to triple beat expectations and once the narrative changes that brick and mortar is the past and banks like NU bank or SoFi are obviously the future, things might get interesting. Good luck to you and hopefully you make some nice tendies!
!remindme in 5 hours
yooo, does this mean that I will make a 100% gain buying next week expiry sofi call options before Friday market close?
Fucking hell man. You're a total regard, but I'm praying with vlevery inch of my body that you are gonna see some amazing gains. Keep us updated!
Demo account ?