Reddit Posts
Is FICO finally undervalued now or it's still a value trap?
The Machine I Promised You Is Now Running - $AMT.V / $AMTFF
Pre-Market Gainers and Losers for Today (July 30, 2026) 📈 📉
The Ramp Is Becoming Impossible to Ignore - $AMT.V / AMTFF
SOFI: the bull case, the bear case, and which one I actually believe
The Used Car Leasing Opportunity Nobody Is Talking About - (AMT.V / AMTFF)
SoFi Releases Its Q1 10-Q, Quietly Confirming Massive Fair Value Losses, Credit Card Distress
SOFI, potential gamma squeeze - the best set up of the year if you are a bull like me.
Can SoFi Management Be Trusted? Comparing Management Statements with Hard Data
Carvana ($CVNA): Subprime Auto in Prime Clothing – A Forensic Short Thesis (Detailed Breakdown with SEC Data)
Carvana ($CVNA): Subprime Auto in Prime Clothing – A Forensic Short Thesis (Detailed Breakdown with SEC Data)
Pagaya ($PGY) - Stars Are Aligning for this AI-backed Fintech
SEZL is the BEST setup for 2026: Flipping the Script on BNPL
$FICO Q4 2025 Earnings, Shares +5% Despite Conservative Guidance
$FICO- Strong buy ahead of earnings on 11/05/25, and why a 65 PE is cheap
THE COMING CARVANA COLLAPSE - STOCK WILL PLUMMET 90% (STAY AWAY)
FICO ($FICO) is up big; still the king of credit data or about to get disrupted?
Fair Isaac to Allow Lenders to Bypass Credit Bureaus for FICO Scores.
Big pre-market moves in the credit scoring space. FICO up big, TransUnion and Equifax down 15%
Big pre-market moves by Transunion and Equifax - FICO changes driving sharp sell off.
Top stocks hitting 52-Week Highs/Lows - August 14, 2025 📈 📉
OPFI Crushes Q2 Earnings, Raises Guidance and Wildly Undervalued Poised for 100% move as Economy Slows Down (DD Inside)
Don’t sleep on FICO @ ~40x Forward PE
FICO shares fell ~20% YTD, when a federal agency green-lit the use of its biggest rival in mortgage underwriting (VantageScore 4.0)
Buy Now Pay Later now factored into FICO
What is pushing SOFI to a different stratosphere after it is up 30.45% in 1 Month. And it is at a great position for this upcoming July.
Not a penny stock ...yet. Let's talk about FICO
FICO is an effing buy!! its now 1694.00, a drop from 2195.00 within 5 day
(05/22) Cloud Computing is Climbing! - Interesting Stocks Today
(05/22) Cloud Computing is Climbing! - Interesting Stocks Today
(FICO Trade DD) 8 Days Later: Revisiting 1 Year Later: Revisiting "How much are you willing to pay for perfection?"
8 Days Later: Revisiting 1 Year Later: Revisiting "How much are you willing to pay for perfection?"
Fair Issac $FICO down 25% in two days over FHFA director comments to make provider of credit scores to be more "economical"
How we feeling about this FICO situation 🤓 anyone buying the dip?
1 Year Later: Revisiting "How much are you willing to pay for perfection?"
Do you prefer companies with high but predictable recurring ROCE, or companies with low prices and high uncertainty?
Credit Scores? FICO already halfway to the moon
What are your thoughts on concentrating your positions?
SoFi outlook for 2024 with particular attention on interest rate hikes and Tech Platform Growth. Happy Thanksgiving to everyone!
REgards! Below but Average joe here. This is the first time I am asking advice on what to do with my money here. My CC's just gave me loans.
Fair Isaac Corp. [$FICO] this stock will clobber the market in the next decade
$DSC - Where there is smoke there is fire
Inflation came in at 3% YoY (.1% MoM) and core came in at 4.8% YoY (excludes food and energy).
June CPI rose 3.0% over the last 12 months vs the expected 3.1%
Supreme Court decision on Loan Forgiveness favorites Private Student Loan Lenders.
$UPST SHORT SQUEEZE is right there for the taking
April CPI rose 4.9% over the last 12 months vs the expected 5%
What’s your opinion on Fair Isaac (FICO) stock after being added to the S&P 500?
Hot Stocks: LCID leads EV stocks higher; FICO rises on earnings; STEL, HAS drop
$RICK strippers have good credit. $FICO low P/E
Stocks making the biggest moves after hours: Bumble, Rivian, Dutch Bros, FICO and more
Average FICO scores - consumer credit cards (770), auto loans (789), new mortgages (768), and home equity lines (792) - VERY STRONG
Which is the best SOFTWARE stock to buy now for the next 5-10 years
Luck vs. Talent: Analyst Estimates for Individual Equities & What it Means for Stock-Picking
Why is the FHFA contemplating change in credit score methodology?
Short Squeeze opportunity of 2022 - High Short Ratio + Market Mispriced + Solid Business + High Growth
MBB, a triple A rated MBS ETF, has crashed and made a new all time low under the 2008 housing crash. Worst quarter performance ever by far. Mortgage departments everywhere seeing layoffs. And as a bonus, Fannie Mae executives are jumping ship!
FOR THOSE THAT ACTIVELY BUILT CREDIT FROM NO CREDIT HOW LONG DID IT TAKE TO GET A 700, 750, AND 800 (IF APPLICABLE)
$SOFI - Undervalued. Oversold. A screaming buy.
You hated my last DD, so here’s another! This time it’s Upstart
Looking for 4 traders to fund and operate a fund. DM are welcome.
Mentions
Agreed, FICO is pretty embedded in many lending platforms. Plus I think they saw something like this coming and launched FICO's Mortgage Direct License Program last year to reduce costs so they don't get leveraged by competitors on pricing.
What’s the story with FICO today???
FICO in the ditch again following Pulte’s comments. “Equifax, Experian, and TransUnion have been overcharging Americans for far too long. This will end soon. We are seriously considering bi-merge, and stronger solutions (SAFER and SOUNDER). We will not allow companies to take advantage of American consumers. No more.”
FICO’s stock missed a mortgage payment…
puts on FICO! Calls on my ability to get approved for more loans to donate to Mr. Market
FICO wow…US official directs FNMA/FMCC to approve vantage score for all lenders
#Since alot of you have been asking me, my FICO is 842.
I'm gonna nut when FICO back above 2k
I wonder if Sophie Cunningham would date me if she saw my PnL. It's not that great but I also have a FICO score almost at 800 and she makes like 4k a month probably.
honestly depends on your intentions. Gonna keep the car for years? Gonna want to finance as little as possible, which is a great reason to put more cash down. Even great FICO scores are gettting shitty rates... I'd split the difference - find a used car a few years old and then large down payment on that sumbitch.
This explains the sharp rise in software today. Seeing FICO up 6% on nothing had me shaking my head?
I don’t mind. Berkshire Hathaway, Brookfield corporation, alphabet, Moodys, FICO, Visa, Mastercard, progressive corporate, Canadian national railway, Waste management,
She's a 10, but her FICO score is 450 and she lives in a trailer.
Between FICO and RDDT, looks like I have more buying to do. Great prints and guidance and the markets puke.
It's a good buy because their pricing power is unchanged and VantageScore is not making inroads in their core business any time soon. They've been diligent in rewarding shareholders by retiring 7% of the market cap in stock buybacks in this past quarter. I just found it funny that a strong quarter and upbeat performance results in a big drop post-earnings. I know the market usually expects big raises in guide due to FICO's conservative management in this aspect, but a drop like this is funny.
Beat and Raise on FICO, now 17% drop post earnings. Investors should be licking their lips.
The market does not think Issac is very fair after these earnings $FICO
Why would FICO do this to me
Copied from Twitter. $FICO FAIR ISAAC $FICO Q3’26 EARNINGS HIGHLIGHTS 🔹 Revenue: $674.2M (Est. $678.9M) 🟡; +26% YoY 🔹 Adj. EPS: $12.18 (Est. $11.74) 🟢; +42% YoY 🔹 Scores Revenue: $458.9M; +41% YoY Raises FY26 Guide: 🔹 Revenue: $2.53B (Est. $2.55B) 🟡; from $2.45B 🔹 Adj. EPS: $42.43 (Est. $43.18) 🟡; from $40.45 🔹 GAAP EPS: $36.86; from $35.60 🔹 GAAP Net Income: $850M; from $825M 🔹 Non-GAAP Net Income: $979M; from $946M Segment Net Revenue: 🔹 Scores: $458.9M; +41% YoY 🔹 Software: $215.3M; +2% YoY Other Q3 Metrics: 🔹 Software ARR: +10% YoY 🔹 Software Net Retention Rate: 109% 🔹 Free Cash Flow: $370.3M; +34% YoY Comments: 🔸 “We delivered another quarter of strong performance, driven by the successful execution of our strategic priorities.” 🔸 “We are pleased to announce that we are raising our full year guidance. Down AH, after a bottom line beat and raise. Should be a fun call.
Dogpoop market. FICO up 18% this month. Lmao.
This thread is just people shilling their semi bags that are still overvalued despite being down 50%. If you want a real bargain, go FICO
Just buy FICO. That shit is going to moon. Especially with the market rotating.
\+10 FICO credit score patriot 🇺🇸
Here’s your answer: it depends, but I’ll tell you what I would do if it won’t affect X factors. See below. Basic info in case you don’t know how the mortgage side works, the heloc inquiry might drop your score a few points but probably not more than about 3 to 5 points. Mortgage rates are based on a matrix with multiple boxes that determine your LLPAs (Loan Level Price Adjustments) that get added to your base rate as well as the base rate itself. The boxes you will be concerned about are: LTV (loan to value), FICO score, and DTI (debt to income). Ltv has price adjustments every 5%, Fico every 20 points, DTI is program specific and isn’t always a factor - sometimes it’s just qualify/not qualified. Example, let’s say you are currently at 76% ltv, with a 723 fico, and a 49% DTI. In this scenario, you would actually want to put a little bit more down because the 75% ltv break point would benefit you. Your credit report is good for 120 days, so the pull won’t affect your score unless they had to repull your OG score because it expires while you wait for your heloc to fund (fast ones about 8 days, slow ones about 35). Don’t be rate sensitive on the heloc - it’s short term money. DO be cost sensitive since it’s short term. So you’re looking for near zero cost and don’t worry about the rate even if it’s 1 to 2% higher. Also, make sure there is no early close penalty if you are planning to pay it off in the next X days. Lastly, on this point, if you are working with a broker, tell them your plan. They have something called an EPO where THEY have to pay for the costs on your loan if you pay it off too quickly. If it’s a bank loan officer, don’t worry. That cost is built in or they’ll cover it with an early fee to you. Lastly, the underwriter on your new 1st mortgage will want to add any monthly payment required from the margin loan. Make sure that added payment doesn’t push your DTI up over a the max DTI allowed for your loan from both the Heloc loan or the margin loan. Based on all of these factors, you should be able to figure out which trigger to pull. At least, it will if I explained myself clearly. Personally, I would do the margin loan for the simplicity, and your only risk is if the market massively tanks before your home sells. Hope this helps.
Mainly I just hold Constellation Software and FICO.
My cost basis on FICO is $1,300 so it isnt that bad down 12%. But the opportunity cost is getting to me seeing memory stocks fly. I could have put more into memory/AI hardware stocks. I guess the other way to look at it is if stocks go out of favor like space sector could be worse than being down just 12% on FICO.
Im not really sure why you both are ganging up on the first part? Did you miss me saying I kept FICO?
I literally in same comment said I own FICO.
I so glad I dumped PLTR into AI hardware at the right time. Hardware is the new software. I kept FICO though and have a bit of regret it has felt like dead money this year.
Be away, buy something like SPGI, FICO, MA, Copart, AZO…but be away from this kind of business/investiment
I've taken all my profits in the AI related trade and bought heavily in software/software adjacent as the multiples compressed. A fourth of my port is in software and half of it is in either software or software adjacent (think FICO or NTDOY).
FICO has beaten the SAASpocalypse
Good business that are trading cheap right now FICO, COPART, AZO, MA … do your research, have a great day
Business that overwhelmingly attach themselves to consumer credit, no matter how good their books look, suck during downturns. Especially in a K shaped economy. A huge amount of the United States workforce potentially abruptly defaulting on a bunch of their credit cards doesn't make the largest credit provider on the planet appealing. FICO and Amex are similarly not a particularly interesting bet rn.
No doubt they’ll continue to provide FICO with necessary data, I just think introducing competition absolutely hurts their moat. I read your “co-conspiring.” Not only is the monopoly (only seller) side at risk. But the monopsony (only buyer) side of their position. There’s definitely a conflict of interest problem here but if TransUnion, Experian, and Equifax can sell to two buyers (BOTH FICO and Vantage score) they have more leeway to raise their own fees
You are correct, the credit unions do provide data to FICO. My note above with the "Competition" bucket flags these companies + i think if they conspire against FICO that would be illegal
I could be wrong vantage score is created by the 3 companies which are used to create your FICO score. FICO has enjoyed de facto monopoly power for quite a while and I think competition is a massive risk. It could be overblown in which case it’s an amazing investment, I just think it’s important to note that
https://preview.redd.it/o17mqk0wo35h1.png?width=640&format=png&auto=webp&s=56edec190d0ac89cfff10f02ac20a2d23f901eb1 this is what i think of $FICO
Well, FICO also shifted its pricing model to a success-based structure where, if the loans are approved and the sale happens, FICO gets a kickback of \~$50 or something. So ultimately, I view the blended price per mortgage as attractive as before, personally. Not to mention tailwinds with credit security and customer processing.
I think the problem was, that before FICO lowered their pricing to 9.99, they were many times higher in price, so a competing service undercut them and now has a foothold.
First time somone make a post about FICO here, and i've been here for a very long time Feels weird, many the world is gonna end tonight
The timing of the SaaSpocalypse post Figma's IPO was a gift. Not getting an allotment on the IPO, but getting a large discount at a $12 billion valuation 1 year later while the fundamentals improved feels too easy. Quite a few holdings of my holdings like FICO, DUOL, CSU, etc. have felt the narrative pain for differing reasons while being caught up in the story. Who else has a software pick they caught in value territory? Funny thing is one tweet tomorrow can bring all these stocks down 5%. Let's see how the next year plays out.
When my friends with subpar intelligens and 520 FICO starts talking about buying NVDA and SPY i'll short.
Really good setup. Im 28 with the same port expect add FICO / NVDA and replace SOFI w/ HOOD. Godspeed lil bro you are in for a solid run.
What are you talking about with "none of the risk"? Let's be real please. Last Fall the company's equity plummeted because they couldn't move their dogshit unsecured consumer debt that they write off their balance sheet. Do you just assume that there will always be a market for consumer loan debt with 20+% interest rates? Consumer credit quality sucks right now, and assuming that their AI platform for assigning credit scores is better than FICO is speculative as best.
It’s gonna be allocated as VOO 70%/DGRO 20%/SOXX5%/FICO 5%
you’re misinterpreting a pivot as a sign of distress. While the UBPR data shows higher delinquencies compared to traditional regional banks, that "peer group" is an apples-to-oranges comparison because those banks don't typically engage in the high-growth, unsecured lending that defines the fintech sector. Additionally SoFi’s weighted average FICO of 745 for the 99% of its book that matters (personal and student loans)is elite. The 1% CC segment is being used as a loss leader to capture younger members. Management isn't "spinning" a failure; they are reporting a 54% growth in interchange revenue that proves the ecosystem is scaling. The low 8.6% yield isn't a sign of poor underwriting it’s a planned acquisition cost from 0% APR balance transfers that will transition into high-interest revenue in the coming quarters.
Using their CC loans to show the low FICO scores when it represents 1% of their loan book and not the weighted average FICO scores average of 745 for personal loans (up 2% vs last year) , 767 for student loans and 757 for home loan when those three account for about 99% of their loans.
When a loan is sold, matures, or gets paid off, any paper premium it had naturally reverses on the balance sheet because the actual cash is realized. **Only an inflated premium would reverse. If a loan is booked at $105 and sells for $105, no reversal. The model accounts for prepays, defaults, changes in market conditions, and interest rates. In theory, all of those things are "baked" into the model. If there is a consistent pattern of paper gains and paper losses, that means the model or inputs are wrong. No one expects perfection, but if the model was really calibrated quarterly, you wouldn't have gigantic hundred million dollar swings YOY.** Also, screaming about credit card UBPR data is a massive distraction. Credit cards are a tiny fraction of SoFi’s business. Their core lending engine is personal and student loans, where the weighted average FICO is prime (740+). **I agree credit cards are a tiny fraction of the business. The bigger point is this: how can you trust a company to play it straight, when it 1) announces during earnings credit performance is great, 2) does a weird off the record call with a YouTube host, disseminating new information/clarification about how the credit card performance is great(side a flagrant violation of SEC rules restricting communication of info - that's why corporate news is reported in press releases, scheduled calls, and 8-Ks), and then 3) it turns out reality is the opposite (and SoFi knew this, because it presumably knows its own financials).** **Further, even if the credit card performance is shitty or mediocre, considering how small it is in reference to the company, why make such a big deal about how it's doing great? Just say: "Credit cards aren't doing hot, luckily they're a small part of our business, we're going to focus on other parts of the business."**
This whole post relies on misunderstanding standard Level 3 accounting. When a loan is sold, matures, or gets paid off, any paper premium it had naturally reverses on the balance sheet because the actual cash is realized. It’s a standard mechanism called pull-to-par, not a secret admission of overvaluation. Also, screaming about credit card UBPR data is a massive distraction. Credit cards are a tiny fraction of SoFi’s business. Their core lending engine is personal and student loans, where the weighted average FICO is prime (740+). A company supposedly hiding massive unrecoverable losses doesn't post 41% YoY revenue growth, $167M in pure GAAP net income, and organically add 1.1 million new members in a single quarter. The actual cash-generating fundamentals are crushing this bear thesis. And 18 consecutive beats on Rule of 40....
Do you know if they are trying to offset increasing their allocation of shitty FICO borrowers with interest rate maneuvering?
Did something happen in Semi world? FICO, DUOL, CSU, all up multiple %
Hopefully your ANET but works for you. Yea NOW is a good example. Another is FICO. Things can stay down for months. I just wasnt prepared for that if it happened with ANET. Best to just get out with a 10% loss.
I replied to someone else with this but its: FICO (30%), HOOD (15%), GPZ (14%), NVDA (10%), & APPL (10%)
Thanks! Yeah it was about $9k or so of premiums and what I could afford to place today. Dumped most of my cash into the market during the Iran dip. Have to keep a stockpile of cash if the market does a full-on crash. If the stock drops below $150 I'll end up getting more contracts. I don't plan on liquidating FICO (30% of my deployed portfolio), HOOD (15%), GPZ (14%), NVDA (10%), or APPL (10%) unless we get some crazy correction here and we see RDDT below $100 again
Man, I just seem to keep making money on buying the dip on FICO stock. That shit went from -7% intra-day, to nearly even by market close. Wish I bought more for that trade.
Steve Eisman discloses a short position in FICO, now the stock is down 7% after a strong earnings print and guidance raise. Sucks as a shareholder in the immediate term, but hard not to respect the hustle. Easy money for the guy.
Got downvoted for mentioning FICO a few times in value investing all month 😂
Fuck ya, went big in V and FICO
Yea. When I learned credit bureaus made more off FICO than vantage score that was a major turning point for me. I realized this is just like the PE firms news. That finance media can have talking points that are misleading but if you morals or valuation fears you let those biased talking points explain why stock should go lower.
> 39% growth, 45% EPS, but a monopoly that is losing its status. That makes no sense if it was losing monopoly status it wouldnt still be growing that much. I remember people lumping FICO with Chegg just a couple weeks ago.
I bought FICO off a joke DD. By joke I mean they compared FICO, credit bureaus, and vantage score to the music industry. With analogy being record labels, recording studios, and the artists. With the point of the joke DD was credit bureaus make more money off FICO than vantage score. One of my best buys. I wish more DDs explained things like that.
Has FICO finally bottomed? I’d be wary of any company that is purely a monopoly based on regulatory arbitrage. But it is now 30x 2027 PE instead of 80x.
!p vm analyze the option chain of FICO for me
monopoly/duopoly's can change, especially since their MOAT isnt tangible. Just look at FICO.
VM analyze the option chain of FICO for me
> Credit score does nothing to help/hurt this, they said. I was looking for an option a little kinder to me since I have an 806 credit score. you're learning a painful lesson: FICO scores are not as important as people think often they are. securities are volatile, so the lender needs to charge a relatively higher interest rate than if you used a house as collateral. real estate will probably not drop in resale value 20% in a month, but that's a very real possibility for a stock portfolio. so the lender needs to charge higher interest rate to help compensate for that risk.
I love this breakdown. FICO is one of my larger holdings, but it's good to get this bear case from an industry insider. I'll keep it in mind in the near future.
Sure. There are a few points. 1. A FICO score is just an interpretation of credit bureau data from Equifax, Transunion, Experian. There is nothing contained in a FICO score that isn’t contained in an Equifax credit report. 2. Why are FICO scores used by lenders? Convention. FICO prospered as company because of decades long, industry wide convention & monopoly on scores, dating back to the days of 'manual underwriting' being swapped out for credit scores. There is absolutely nothing special about FICO scores, and as soon as lender's decide they can use a different scoring system, FICO's faux moat is gone. 3. Lenders have finally decided they are allowed to use a different scoring system, and have actively started to replace FICO scores. It's not even just the threat of any 1 new system (like vantagescore) vs FICO scores that matters, but that the convention has been broken. 4. Mortgage lending specifically is a business with very slim margins and very strong mandates to investors. If lenders can cut costs and improve margins *even slightly* by switching to a cheaper scoring system, they **will** do so. 5. FICO overwhelmingly makes their money on FICO scores. On paper they have some revenue diversification from other software, ai lending stuff, etc, but those products are only bought based on upselling clients who are already mass purchasing scores. If clients stop paying for FICO scores, FICO's other businesses die too.
I added more to FICO today after it dropped 10%. then it dropped some more. Not opening the app tonight..
Feel free to explain why FICO is a 0 within 10 years.
FICO is the most bizarre one to me. I work in mortgage underwriting, and I can tell you with absolute certainty that FICO’s current business is a 0 within 10 years.
I mean the story is relatively simple, Vantagescore hasn't gotten traction so they've had to drop pricing completely just to get interest. Regulatory scrutiny is increasing, but punitive action has not been taken. FICO is facing competition, but it's not a doomsday scenario by any means. The FHFA along with Fannie and Freddie are now allowing competition for FICO scoring but this has been telegraphed for a couple of months at this point ever since Pulte started aiming at them. The Mortgage Bankers Association CEO practically leaked it on a podcast a couple of weeks ago. I don't think this impairs the long term thesis, but I'm not buying (I already bought a lot, and I want to be buying at these levels).
I try to tell people stop buying ADBE, NOW and FICO. the market does not give a shit what they do they will just dump for no reason
Jeeeeeez FICO has become such a messy story. Compelled to sell just not to think abt it, but I would like to do so only if I have an exciting opportunity to plug it in. Its killing me.
Does anyone here own FICO lol holy shit
i swear - FICO has had a bunch of days like this in the last year.
My AMD gains balancing my FICO losses. Thank you AI bubble
FICO, SPGI, Moody’s. The terrible three of proprietary data which somehow Claude will replace…
Oh and 830 FICO Brah!!!
...What if AI in combination with robotics eventually does exactly as promised... and the main income available becomes stock growth based on the performance of increasingly automated companies? Sort of like stock-based UBI? Meanwhile, the entire economy kinda splits into haves and have nots- ownership class and renter class. With a lot of cities becoming like those airport lounges where you need a certain type of credit card, FICO score and annual fee to access. And there would be a civil war- but *everyone* is tracked, your bank, social media, investment, savings, whatever accounts get cancelled if you're determined a 'threat' to 'national security.' Then you get deported.
I have buy FICO but PYPL I think is a good chose too
#TLDR --- Ticker: FICO Direction: Up (Long) Prognosis: Buy shares under $1,000 (OP's average is $950, plans to double down at $850) Catalyst: Massive $1.5B stock buyback, expanding 50% margins, a 30-year untouchable data moat, and analysts targeting $1,800+. Irony Level: High. Exploiting the credit score cartel's $9.95 monopoly fees to print a house down payment.
LONG $FICO - software selloff and regulatory issues are not going to impact the fundamentals of the business, bought more today
#TLDR --- **Ticker:** FICO **Direction:** Up **Prognosis:** Buy Shares at or below $1,000 (OP's average is $950) **Timeframe:** Long-term compounder (holding for the 3-4x) **Irony Level:** Putting 15% of your portfolio into FICO stock to afford a house, while the government blames a $9.95 FICO fee for why people can't afford houses.
SPY now 100 points higher than the average ber FICO score
Love it. I was thinking the same thing a bit ago. I ultimately dumped $15k or about 12% of my port in HOOD across a few days for an average at $68.83. I went with HOOD over COIN given the profit margin and recent stock buy back plan. COIN has more upside in my opinion but think the Robinhood customer base it going to be sticky regardless of the crypto environment. Consumer sentiment and expendable income is very low right now. I except it to go from shit >> less shit once gas prices drop. Even if for a brief moment, think institutional investors will back to more risk on and load up here along with RDDT + FICO. 
Love it. I was thinking the same thing a bit ago. I ultimately dumped $in HOOD across a few days for an average at $68. I went with HOOD over COIN given the profit margin and recent stock buy back plan. COIN has more upside in my opinion but think the Robinhood customer base it going to be sticky regardless of the crypto environment. Consumer sentiment and expendable income is very low right now. I except it to go from shit >> less shit once gas prices drop. Even if for a brief moment, think institutional investors will back to more risk on and load up here along with RDDT + FICO. https://preview.redd.it/5reqlv6cy0vg1.jpeg?width=1206&format=pjpg&auto=webp&s=1e0acff0ac47f5fb51eb20c4795e0a5064700ec2
Damn I should have bought FICO last week. I don't think I'll ever see that stock at $920 again (but who knows).