Reddit Posts
UPDATE: SOFI: I will see you in Valhalla...or behind the Wendy's dumpster.
No one posted SOFI gain porn yet? I’ll go first
Lost $ on a strangle even though it went my way (SOFI)
SOFI Rent Money Update: Gay Bears Are Fuk, Die You Cynical Bastards
SoFi Technologies Inc (SOFI) Reports Q3 2023 Earnings: Record Revenue and Member Growth
$SOFI - Who is ready for Moon Monday?
SOFI: I will see you in Valhalla…or behind the Wendy’s dumpster.
First week of my trading life and I am YOLOing SOFI calls. Guys I think I really belong here.
SOFI Q4 2023 Earnings - THIS IS WHAT YOU NEED TO KNOW for 1-29-24
13% float on SOFI and they are likely to show profitability in Q4
SOFI earnings 29th January , DD from an Italian married to a Kiwi (New Zealand person , a woman in my case , not the fruit)
Youtuber posts about buying $SOFI everyday as $SOFI goes down
Portfolios are like Fantasy Football rosters. Some tickers (players) are blowing up, scoring hella touchdowns, other players shitting da bed
Bailed on gut didn’t go full regard
Checking on other SOFI holders. Hopefully you're doing OK
SoFi - What differentiates them from traditional banks and other competitors?
SOFI short squeeze coming in early 2024?
Economically Sensitive & Bullish $SOFI Still Showing Strength. Should I ...
$ARM and All my Dividend Stocks Holding Up My Portfolio Today Against the Mag 7
My Dividend Portfolio as a hedge months ago is RIPPING. Should I add more?
Pleasant surprise from my SOFI Calls
Should I Run Out of the Mag 7 Now? Tech Doesn't Seem Likely To Participate In Growth Until Earnings and forward looking JPoW cuts?
$SOFI - Holding strong into Q4 earnings Jan 30th!! 1st GAAP Profitable Quarter coming!
Cathie Woods buys 252,421 shares of $SOFI for ARKF
Went heavy on $SOFI today. See y'all at $10+ soon 📈
Barclays started SoFi Technologies (SOFI) at Equal-Weight and today is the Fireside Chat with SoFi CFO.
ExxonMobil passed Tesla as the most shorted stock last month. Here are the 10 names investors are betting against the most.
SOFI Chief Marketing Officer Unloading Shares
A year ago you guys made fun of me for breaking even finally
A year ago you all made fun of me for breaking even finally
Shorting this week’s rally. Today I bought PLTR, SOFI, and TSLA puts all expiring tomorrow
Morgan Stanley Upgrades SoFi from Underweight to Equal-Weight.
Should I dump few losers I have left in the account : JMIA, SOFI, BB, UWMC
BREAKING! $SoFi is offering shares of the two hottest IPOs of 2023, $ARM and $CART!
Dont give up, used a SOFI personal loan and 2 balance transfer checks to fund my DayTrading Addiction. I'll show you how.
Is there any point in selling if holding on to your profitable stocks?
Time to build a crap stock portfolio?
Heard of these things called “Calls”
Hold or realize a part of profits and reinvest after earnings call
I already took 4 loans out to finance my options plays. Here’s my journey
What should I add? Thinking about adding a dividend stock.
From the guy that brought you the SOFI, COIN and RIVN $50,000 YOLO - next up PTON YOLO
ARKF response in the week after the Fed interest rate pause
Mentions
I bought, but very light… AMZN, NVDA, AIRJ, SSO, IBM, LLY, SOFI, ASML, BK. And when I say light, I mean light. Figure it’s DCA time. The market is basically almost back to where it was and I don’t see it dropping much further. If you include an inflationary factor of 2.4% for the past year, the amount of devaluation of your dollar, the S&P is up about 9.6%, the NSDQ is up about 18.5% and the DJIA is up about 8.5%. I believe that’s a reasonable point to DCA.
Of these, META and SOFI are the 2 I wouldnt worry about. META has a fortress balance sheet and if SOFI can keep posting good numbers and somehow get added to the S&P, it rockets. Look at what happened to PLTR once it finally got added. HOOD would worry me since BTC just broke below a bearish flag on the Daily.
Nah bro SOFI is going to $12 or lower
I’ve done a bit of both in small amounts. Friday: VOO, MSFT, NVDA, AMZN, REMX, SOFI. Basically as a hedge against my belief that this has a ways to go. For the most part I’m holding on to my cash aside what is now moved into oil and oil calls.
I dumped my SOFI. They are one of the worst possible things to hold during a stagflationary oil shock crisis like this. Also I read the short seller's report and there's definitely enough doubt in there about their actual default rate that I walked away.
I'm a victim of buying down SOFI from 30 all the way down to 18. Gave up buying the dip.
I bought MU, MSFT, META and SOFI.
Did a bit of shopping as well today: $RDDT, $GIS, $SOFI
There are some bad comments about SOFI bcoz of PE credit. Is it ok ?
You're right! I sometimes think I can trade on the short term market pulls....tariffs, war, random TACO announcements...but I always fear I'll make a mistake. But when I see my MPC, XOM, and even NEE shoot up in this environment, I regret not shifting some of my other holdings and take advantage of the spikes. Totally shoulda sold SOFI #25 but we didn't know Iran would happen. Shits happening way too fast....
My loss porn is probably the worst and most regarded ever seen on this sub lol Never given any monry...Worked years, saved 50k...heard about GME...bought in, they turned off the buy button...lost everything...took 90K in loans... lost that, got a debt agreement to minimize it and paid back 56k over years ...years later, worked hard, saved 50k.... lost on options SOFI based on prayers and hopes... years later.... worked super hard....saved another 60K, bought in silver and other stocks intending to only do stocks this time, bought msft etc.... few days later silver dropped 30% in a day and all this bear market war stuff started... took 30k loans, lost it all Back to negative 30k Should I post this magnificent gambling journey? I'm only 32! Believe it or not. Somehow I feel like I've finally learned maybe I should just stop thinking about money and live my life lol. Think regular wageslaving would be a lot better
You raise interesting points. I'm long SOFI but have have highlighted my ignorance on some of the accounting practices SOFI use. I knew they were booking the origination fees early and that's against industry norm but some of your points makes me need to sit down and look through it myself. Despite the points you've raised are you concerned about the stable coin they have issued? I can understand why people wouldn't want to buy SOFI currently, but I wouldn't want to be short either. SOFI USD could be a nice earner for them. Take a look at CRCL and USDC.
I bought VGT, AMZN, BRKB, SMH and SOFI. Little nibbles. Ive been buying the past two weeks. More as it falls. I prefer that because I won't time the bottom well. Running out of dry powder, however. Ill buy more next week.
Want to have a good time? Go into the sub for any individual stock and talk about how dumb people are for DCAing at all time highs. $OPEN and $SOFI have cult following subs of the most regarded
SOFI down 54% from ATH. HOOD down 57% from ATH. I never thought they would see these levels so soon again.
15 more days till SOFI is at 0.
SOFI puts have been free money for like a month straight btw
I think I'm just gonna give up on SOFI you guys are actually retarded why the fuck did I buy this shitty stock
Started a position in $SOFI - wish me luck regards
questions for those with experience in lots of corrections/recessions... this was a stock pickers market. Alot of stocks were already down 20,30,40,50% (And decent companies) when the SPY is barely down 10%. if we correct 20, 30%, do these stocks then crash proportionally more? do we see stocks like microsoft crash another 60%? or stocks life SOFI basically head to low single digits?
The trust issue with SOFI is the constant goalpost shifting, not one bad quarter. If the story is durable, they should be able to show steady member growth, deposits, and tangible book value per share without leaning on adjusted buzzwords.
Feeling NBIS, RKLB, IREN, ASTS and SOFI today.
That SOFI one is going to hurt
I think your SOFI call will be fine, your QQQ put will lose, and ASTS you will gain. I bet you have like a 6-24 hour window to sell. Lol.
SOFI calls are 100% fucked, but honestly the others will print imo. Might lose some gain on the QQQ put in the morning and later due to theta, but unless there’s a ceasefire over the weekend (probably the opposite) the ASTS puts are fine
#TLDR --- **Ticker:** SOFI **Direction:** Down (Short) **Prognosis:** Buy Puts (Author is holding $12 Puts) **CEO's Superpower:** Dressing up a bloated, capital-intensive traditional bank in a trendy fintech trench coat. **Accounting Vibe:** "It's not a lie if we just move the numbers to a different column." **The Bear Case:** SoFi CEO Anthony Noto is allegedly up to his old Twitter-era metric-fudging tricks. Despite management's narrative that SoFi is diversifying into "fee-based" tech revenue, hard data shows 83% of their income is still just traditional lending. They are quietly shifting loan interest into the "Financial Services" segment to trick Wall Street analysts into applying high-growth tech multipliers, artificially inflating the company's valuation. Furthermore, their "tech platform growth" is largely an illusion fueled by SoFi paying itself internal accounting fees. Compared to peer banks, SoFi's average account balances are tiny ($3.5k), their overhead is massively bloated, and they have a history of ghosting regulators and racking up payroll tax liens. Management's credibility gap is widening, and a rude awakening may be coming for investors.
There are SO many easy setups right now man. I’ve been buying puts on SOFI for 2 weeks, haven’t lost a trade on it yet. Currently holding 10 contracts of 15$ SOFI 4/17 puts Gonna wait until next week to sell probably
Remember when we said Trump started this war to stop people talking bout Epstein files? Well, it worked. Move for tomorrow: SOFI 6/15 $20 calls
Can SOFI go negative?
can't believe I fell for the SOFI propaganda... im no ber or bol, only a sheep..
After I bought SOFI, it's done nothing but drop. Wtf
I hope I live long enough to SOFI to get back to $30.
Whoever told me to buy SOFI I hope you get a massive fucking wart on your nose
there will be great opportunities when SPY is down 20-30% to buy NBIS, MU, SNDK, AVGO, SOFI, HOOD
Hot names like SOFI and HIMS caused most trouble for me...
rate my watchlist $ONDS $SOFI $RKLB $MAAS $IBRX
I prefer naked options instead of spreads, so strangles and short puts, but sometimes I will do iron condors, verticals or diagonals. Mostly equity, a mix of smaller cap, hot names like RKLB, RIVN, SOFI, KTOS, etc, but also larger cap, AMD, NVDA, AMZN, MSFT. I've also dabbled in commodities like oil, silver, gold, copper, corn, soybean, etc. I actually stay away from indices except for hedging.
Bought shares in SOFI and that mf keep dumping lol
I have a long SOFI position on this dogshit stock. May the best fat cuck win
I don’t understand. Why would they buy stocks like SOFI on margin and force a sell off
It’s dropping bad man. I think SOFI might be done?
This is the way. Just do it on cheaper stocks. SOFI is a great one. Decent premium
I got banned from the SOFI sub for saying Anthony “fat cuck“ Noto
Bought SOFI 3/27 17$ puts @0.32 sold em at @0.52 Probably do the same again tomorrow
I did covered calls for SOFI. Finally broke even. Sold the shares yesterday.
SOFI has become a piece of shit
Lmfao look at SOFI. Even on relief days, that garbage goes red.
Reminder to slowly DCA into SAAS and software stocks. the market can be extremely irrational and send stocks down WAY WAY farther than you think it stupidly possible. Don't be surprised if we see MSFT bottom out at 250, adbe at 150, SOFI in the single digits. literally DO NOT think its impossible. its 100% possible. and when/if it does happen you won't have wasted all your dry powder. yes, I can see MSFT with a forward PE of 12 and ADBE with a forward PE of 6, and at the same time walmart has a forward PE of 40. its can happen. prepping for all the downvotes from all you "seasoned investors:"
Good companies for options trading? NVDA,SOFI, ETC
Fuck you SOFI. You piece of shit
There is a 0% chance SOFI would ever reply to a normal person about these concerns. Is there not doubt on SOFI anyways? I know 1 person who uses them and I feel like their offering shouldn't give them some a high P/E compared to a normal bank
damn, you really went deep on this GAAP stuff. I've been trading SOFI off and on for a while and this kind of breakdown is exactly what I wish more people would dig into instead of just screaming about the stock going up or down the treasury comparison charts are pretty damning tbh - like you said, why would SOFI loans be immune to interest rate changes when actual government bonds got hammered? that just doesn't pass the smell test been wondering about their loan sales dropping off a cliff too. if their models were so accurate you'd think they'd be selling more loans, not less. the whole "marketplace validates our valuations" thing falls apart when you're barely selling to the marketplace anymore curious though - you mentioned contacting SOFI about this multiple times. did you get any response at all or just radio silence? seems like the kind of thing that would at least warrant some corporate speak response even if they disagreed
#TLDR --- Ticker: SOFI Direction: Down Prognosis: Buy Puts / Short Accounting Status: Sus AF GAAP Compliance: 404 Not Found **Summary:** OP breaks down how SoFi is allegedly violating a very straightforward GAAP rule (ASC 820-10-50-2(c)) by hiding the explicit breakdown between *realized* and *unrealized* (model-based) gains on their fair value adjustments. By lumping everything into one aggregated "Impact on Earnings" column, SoFi makes it impossible for investors to see if their internal models are artificially inflating asset values with "paper gains" to mask actual, realized cash losses. While rising interest rates have crushed the market value of US Treasuries and loans held by other major banks, SoFi’s models magically show their loans maintaining a premium. Add in mysteriously negative net servicing income and plunging loan sales, and OP suspects SoFi is using accounting aggregation to bury overvalued assets. If SoFi simply complied with the SEC/GAAP disclosure rule, it would end the debate—but it might also prove the Muddy Waters short report was right all along.
I'm interested in how you trade full-time. I guess I had the money to trade full-time (about 350k liquide assets plus 1.5 Mio non-liquid assets like house and retirement fund). But tbh I only use 20k for trading options (rest buy and hold plus 2 leverage experiments). My problem with selling options is: I don't find enough good opportunities atm. Finally I trade 1 SPY credit spread a week and do 4 wheels (NVO, HIMS, SOFI, TSLL)... First 3 of the wheels went bad last recently, so no profit here. Credit spread works well so far, but not with huge profit. If I did full-time, I didn't know what I should do with more time. I don't think I have leck in time analysing but in good opportunities if Inwanted to diversify. Ofc. I could do 50 credit spreads on SPY every week, running 200 in total. Then a crash could cost me 70k or something like that... Not a good risk management.
Bro I ain’t gone front I sniped some NQ scalps and got some VIP Ye tickets for next Friday at SOFI. It’s the only thing gonna keep Me from overtraining
fine with me, ive been cleaning up by selling weekly expiration SOFI covered calls. every dollar the stock goes down, I clean up the difference plus some.
I’ve made a lot of bad trades, but dumping all my SOFI at $30 was not one of them
Ugh holding SOFI sucks. Sorry mods is this too political?
Got tired of averaging down on SOFI, so PUTs for the hedge instead.
My gf dad unloaded his retirement money into SOFI at $6. He’s laughing
A little bit of a stretch to go back 3-4 years to claim it’s a great buying opportunity. Who cares about 4 years and and that pricing? We’re in 2026 I’ve never invest in SOFI because it’s overvalued and has been for a while. But why is it every financial YouTuber is talking about SOFI, a company trading at rich valuations proclaiming it’s something amazing when nobody I know in real life has ever heard of it. YouTubers are bought out and the sheer volume of them that talk about SOFI on any dip feels paid for. Since 2025 it’s a trash speculative stock that is significantly overvalued but have a very good marketing team/strategy. Well Fargo forward Pe 11 JP Morgan forward PE 13 Bank of Murica FPE 10.5 SOFI Forward Pe 32 Why would I pay 3x for a small bank with significantly higher risks over 3 quality bank stocks with a proven history of surviving the worst financial crises
I’ve invest in SOFI because it’s overvalued and has been for a while. But why is it every financial YouTuber is talking about SOFI, a company trading at rich valuations proclaiming it’s something amazing when nobody I know in real life has ever heard of it. YouTubers are bought out and the sheer volume of them that talk about SOFI on any dip feels paid for
That's oddly specific. You must have a specific youtuber in mind. Got burned on SOFI?
When people starting shilling SOFI it was trading around 5$/share I’d say anyone buying in 2022-23 even 24 did pretty good. Not the best example.
Some people are. The ones who can sit on their hands and wait for those opportunities of a lifetime. Real ones that these paid for financial YouTubers shilling SOFI can’t understand
SOFI just bleeds day after day,
SOFI immediately jumping off a cliff
I also agree that it's probably not cooling off. But I was thinking of investing in SOFI. I missed the run from 16 to almost 30. and now it's back down to 16 well, 17 after today. Thinking that's one for me...
I'm waiting to buy back into SOFI. I have a feeling it hits $13-14 again at some point if the overall market corrects.
SOFI 16.50 puts or 17.50 calls exp mrch 27 for the morning?
Got few SOFI calls when it was cheaper
If you bought $SOFI you’re still at breakeven
And I still fucking hate SOFI
Only thing could not get out of today was SOFI with 🥭 Truth. Even mentioned to take gains in WEN.
Its on its way to become like SOFI
hmm. Might sell all of my SOFI. Been in since $7ish but I want to gamble options and want the money
Fucking Short Sellers fucking with my boy, SOFI https://preview.redd.it/m0uzoe3cjsqg1.jpeg?width=72&format=pjpg&auto=webp&s=4ea02332eb282c0cf3a42d466cedc8e2aac0b9f2
AMD and SOFI leaps looking juicy
I bought an 8 dollar leap on AAL and a 10 and 15 leap on SOFI expiration 6/28
[$SOFI](https://aimytrade.io/ticker/sofi?utm_source=reddit&utm_medium=comment&utm_campaign=smallstreetbets&utm_term=SOFI&utm_content=variant_1774227641090_b5zunv) bounced hard off $16.90 support twice in three weeks—earnings pop could be the catalyst you're betting on.
I saw my $1.8m portfolio go to 1.6m since January. I’m in solid companies & holdings apart from a few speculative plays, BBAI, SOUN & SOFI. I’ve been buying those in 10-100 lots in March. I’m expecting things to be worse for Q2 2026 as our big brained leader pisses on his followers while they thank him for the privilege. When the market recovers, we’ll be ok.
When we start the 2026 recession SoFi is cooked. “From the bear cave” Muddy Waters Research published on SoFi Technologies (NASDAQ: SOFI — $21.6 billion), a digital banking app. Muddy Waters called SoFi “a financial engineering treadmill” with “GE Capital-style marks, Enron-esque off-balance-sheet structures, and relentless dilution.” Muddy Waters alleged SoFi understates personal-loan losses by selling delinquent loans just before charge-off and moving troubled loans off balance sheet, which in turn inflates fair-value marks and adjusted EBITDA. Muddy Waters said that after adjusting for inflated marks, off-balance-sheet borrowings, and capitalized expenses, it reduced 2025 Adjusted EBITDA by ~90%. In response, SoFi said it “[intends] to explore potential legal action against Muddy Waters for the factually inaccurate and misleading report.” Muddy Waters retorted that SoFi “has still not engaged with any specific allegation in our report.”
I like the NU call out. South american SOFI, except maybe better. Ive been watching: NFLX, META, VDE, VST, CEG. I like ASO, BYDDY, and CECO also. To name a few. I dont have any money right now so unfortunately wonr be buying anything. Id probably buy a mix of some sort of international ETF, NFLX below $90, META below $600, and an energy ETF. CECO below $45 as well.
SOFI They have a stadium, ads everywhere, solid financials but losing 50%. Should have stayed with traditional banks like Goldman
MuddyWatersResearch is looking at possible SOFI Financial mis-reporting!
That’s nothing really. I sold SOFI at $7, PLTR at $20. But can’t go broke taking profits and am now trying to hold onto things a bit longer. Or sell some at certain targets.
SOFI. Its been 5 years i been holding and still negative.