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
Just got $35k SOFI loan to by SOFI calls targeting earnings this month
DCA’ed to 23 avg. Love how MU and SOFI triple beat every report yet get shafted.
Down 11% YTD 1.3k of my portfolio. Not a ton of USD because I’ve been DCAing basically every pay check. Biggest holdings: GOOG, MSFT, and META. I’ve been beaten down by AI fears and SOFI
Damn bro! I hold SOFI too.. Curious what’s your cost basis & you planning to hold it long?
Down 15 percent YTD. My biggest holding: META,RDDT,SOFI,CRDO. All have dropped drastically since start of year
I found out that if you are allocated only 1 share for IPO's then you are already in the restricted list. Learnt this from SOFI after I flipped and then they wont allocate more than 1 share ever for me.
Nice trade management honestly — covered strangles on meme-adjacent names are a grind but you're net positive through a -27% drawdown, which says a lot about the strategy. From a technical standpoint, SOFI is sitting at some interesting levels right now. RSI is at 33.6, which is getting into oversold territory. The 20-day SMA is around $17 and the 50-day is up near $19.35 — so there's a pretty wide gap between current price and the short-term MAs, which means any bounce would have a lot of overhead resistance to work through. Key support sits around $14.64, and if that gives way, $12.74 is the next floor. On the upside, $16.64 is the first real resistance, then $19.82 and $20.43 — which is roughly where your cost basis probably is. For the covered strangle specifically, the RSI being this low might actually work in your favor for the short put side. If you're writing puts down here near support, the premium is elevated from IV and you've got a technical floor to lean against. Just watch that $14.64 level — if it breaks on volume, the risk/reward on those short puts changes fast. The MACD is still negative (-1.11) but the histogram is flattening near zero, which sometimes precedes a momentum shift. Not a buy signal on its own, but worth watching alongside your allocation decisions. Not financial advice — DYOR.
Just trying to save you from yourself. I also sold my SOFI at a small loss when it became clear that Powell's efforts had been stymied by trump and that stagflation is happening. But I put it into gold which pretty quickly cancelled the previous miscalculation.
You haven't profited yet, and you won't in the future either. You're down an eye watering 45% so far in the nightmare scenario of having to sell CCs below your purchase price to make any money at all, giving up any potential updates. Also I'm troubled for you that you don't know what stagflation is, why it's bad for fintechs like SOFI, and why it's the new economic context.
my buys for this week: SNAP, CRM, SLV, MDB, MP, FIG, SOFI
1) SOFI is selling off less loans and actually holding more on their balance sheet -> they're not "fabricating NCO %'s while being SEC regulated and going through T1 audits. 2) Prime borrowers with an income over 158k are the ones more likely to be able to adjust to inflation - inflation also improves net interest margin 3) a 5-10% in defaults would wreck the momentum and growth for a year, it would not collapse the business considering as the the Q4 report 57% of adjusted net revenue now comes from the non-lending segments. HOOD I'm sure will do just fine as an investment as well - it's more volatile and less reliable as it stands due to being reliant on PFOF -> Retail involvement in the stock market has significantly decreased according to Vanda Research and The Motley Fool. Retail investors have become net sellers for the first time since 2023 and are currently pulling back from investing on macro fears. This is likely to lead to more headwinds short term than tailwinds. HOOD is targetting it's own bank charter and if they get it I'm sure they'll do well with it- even without it I'm sure they'll do good. No hate on $HOOD but I'd rather get 4 shares of SOFI for 1 share of HOOD considering SOFI's history of meeting and beating expectations, just starting their growth curve, already navigating the headwinds from the section Fundamentals & Macro Resilience, and potential S&P inclusion likely to give the stock a boost - a boost HOOD has already gotten.
I have cash on the side and I'm in other faster moving plays as well. If dilution were destroying the stock, Tangible Book Value per share would be cratering-> it's rising. Accretive vs toxic dilution for fast paced growth The reason I Invest now is mainly as a long term wealth compounder. A) I believe in the goal of becoming a top 10 financial institution - seeing as they achieved top 50 in 4 years it seems like they're on pace to me. B) Stable growth proven by their history C) they will likely do share buybacks and offer dividend yields once reaching maturity - in 20 years that's what I want - yields on cheap shares. My timeline is 20 years+ As I said, i actively manage the position and my returns since investing in 2022 have beaten the S&P by a healthy margin so I'm alright with that. Am I 100% yoloing SOFI? no But I do want a sizable position at an attractive share price I can manage for what it will look like in 20 years giving dividends when I'm focused on capital preservation vs growth. If it squeezed I'd trim if it were looking to reverse back in to a downtrend - Otherwise im not stressed.
Dude the bear thesis is it’s a fucking Neo bank. No moat, in one of the worst industries to invest in (banking). Could this 2X, sure but there are way better options out there. Careful for continuous dilution and shifty accounting practices. Good luck- we’re gearing up to the bottom like Independence day in 25 where there are some genuine gems that look like solid longs: why choose SOFI lmao.
Good luck with the puts, hopefully they pay you so i can nab some cheaper shares. Sure they probably don't want them to steal business but JPM has a 5% stake in SOFI and their price target is $31. They actually win if SOFI succeeds.
SOFI had a partnership with the gimmick league. Tiger just crashed yet again, the league will soon fold.
Tiger woods fucked them with the SOFI partnership on his Golden tee virtual golf league.
Thesis on that? I agree with SOFI but idk how I feel about hood.
Puts on SOFI, they just approved **me, nocashflow\_**, for a 25k personal loan that i will almost certainly yolo on shares of a certain stock
Regard trade tbh...SOFI was trading at $15 on Friday. And you paid 11.36 for a LEAPS Call... Too expensive. The best you could do on Monday is sell $8 or $10 Puts with same or 2027 earlier expiry dates to sponsor your call premium. Otherwise the upside with your calls is not much because your breakeven is 21.40
SOFI, META, PYPL, BULL, UNH If you got burnt by these, understand that you are not alone....
Bought few more SOFI calls expiring in the end of May
My buys of the week: MDB, SNOW, CRM, COPX, FIG, SOFI
As long as I own SOFI you’re fucked.
Sold SOFI puts at the stone bottom after buying the top of the last runup yesterday. Finally
SOFI is such trash
Appreciate that. The old WSB would have roasted me AND upvoted me because that's how it worked. You could be wrong and funny or right and regarded and either way the sub respected the play. Now you post a thesis with positions and timestamps and the top comment is "AI slop" from a guy whose entire post history is asking which color Lambo to buy with his $47 in SOFI calls. The sub didn't get dumber. It got filtered. Same energy as the market itself. The signal is still here. You just have to scroll past 400 comments of "priced in bro" to find it.
No, it’s not debatable. The AI selloff began in early November 2025. Many stocks have fallen 40%. ASTS CRM MSFT NFLX ORCL RGTI SOFI
wow did I actually position myself properly with long oil, corn, and puts on shitty SOFI and DKNG?
It’d probably benefit many of you to stop predicting Trump’s next move. Things are fragile, so don’t go all in and you should be fine. You’re not gonna be able to time the bottom, so either step back until it’s all officially over or slowly DCA after proper DD on stocks that already appeal to you. If it’s not the current war, it could be China and Taiwan, could be tariffs, could be Greenland, could be anything. You’ll never have certainty, so just make purchases you’re happy with. To me, SOFI at $15 is a buy, GOOG at $275 is a buy, etc. If I timed the bottom, great. If not, I’ll DCA later.
Fine with that as long as SOFI and NKE are blood red
SOFI calls are very cheap. Bought few expiring in June
SOFI justblaying there like a dead fish 🐟
Should’ve DD on Muddy Waters short report and bought SOFI puts
Should work on BULL and SOFI as well.
This can’t be real. You have $2,500 invested and you are non-stop posting bear case on SOFI here and on X.
No I dont touch 0s I prefer weekly or monthly and stacking a few. Been net short since 690 SPY target low 6s and QQQ 630 target precisely 560 but would have preferred low 5s. I cleared all short sided anything once QQQ hit 560. Also had MU from 420 wanting low 3s let those go far too early but I don't believe in the AI hype Ponzi Scheme. Bringing the future buys forward 3 years is great for the now but it's going to hurt like hell when the future comes. I started selling positions late 2025 was basically cash by beginning February 2026. Started buying heavy again yesterday into a few preferred stocks such as SNAP SOFI PATH HOOD ROBN. Need to redistribute another 120k still but I feel my next buy op will be late Q3 on risk of rate hikes
Can SOFI just go up to $700 a share for like 1 minute so I can sell? That would make me happy :)
Can’t even trust the news these days, Elon said the HOOD SOFI ipo news about being excluded in spacex are false
Since it’s the end of the quarter there will be a sell off of garbage companies that are already down bigly. Institutions won’t want to admit they have junk stocks in their holdings. I am talking to you SOFI.
$SOFI: Reports of being excluded from SpaceX IPO are **FALSE** **Woo hoo!** [https://x.com/elonmusk/status/2038928951167602785?s=20](https://x.com/elonmusk/status/2038928951167602785?s=20)
Thanks for update. I was wondering why NXST was down 13% today but the SOFI app only gives me paywall news updates from Benziga solely for the past 2 months. Maybe there’s something more to the MuddyWaters short report on SOFI…
SOFI auditors on meth for the last four years
Too many to list, but the ones I see with the most potential right now for the price they are at: MSFT, RKLB, NVDA, ELF, EME, SOFI, and CELH. Others who are not quite there yet IMO and still have room to fall before they bottom, but on my watchlist: GOOGL, AXP, and AMD
I see SOFI and RKLB here a lot. What is making them so popular?
Yeah my SOFI calls are expiring worthless, just the average gambling uni student
If SOFI doesn't go up to $180 per share by the end of April I'm going to find every one of you SOFI bastards that convinced me to buy and put salt in your coffee
I’ve got SOFI Jan 2028 $20 LEAPS. Hoping for the best but it’s been a rough few months
I am holding long term puts for SOFI. How did yours work out?
Any genuine plays? Sold all my NBIS and SOFI puts Holding 18$ SOFI Leaps
SOFI has never been in this situation price action vs earnings wise. record insane earnings, stock crashes almost 53% with a record daily RSI and record weekly RSI. red 12/13 days and still crashing today.... it's insane.
Good point I don’t know if SOFI is a bank or their slowing tech platform justifies the PE. Priced between tech and a bank PE which ever is more in vogue.
Just got assigned for SOFI at $16 on Friday after rolling down from $17 the week prior. Now will be monitoring my cost basis closely on my app and try to get back above breakeven with CC premium [https://imgur.com/a/n4lTPro](https://imgur.com/a/n4lTPro)
You can. I did with SOFI in previous downturn in ‘23. Sofi dropped badly under 5 , but I kept rolling , writing calls and buying shares. At the end I made ton of money. It’s a great stock to make money
Exactly, I like your MO. Only thing I do differently with selling SOFI CC’s is the timeframe, I like it better to do 2-4 weeks depending on market general sentiment
My SOFI june 2028 leaps are going to be worthless soon at this rate
3 black crows on the weekly and daily, deeply oversold and the last crow on a Friday. I say SOFI is closer to a buy than a sell. https://schrts.co/BsJIaXFM https://schrts.co/sZQphXIZ
Is there a link that talks about SOFI misrepresenting their finacials?
Rolling can work, but I wouldnt blindly keep the same strike if SOFI is still sliding. Id roll out and down to a delta you actually want to own at, even if it means taking a smaller credit, otherwise youre just extending the same bad entry.
Ohhh sure. From the year of research I did before playing with real money, the sell side made more sense. But if ever I get good enough to be confident in a buy play, I'll try it. Actually have been thinking about a SOFI LEAPS call. But... we'll see. Lol
SOFI has shady rep and the stock isn’t really cheap, they mostly are very promising companies that haven’t proven themselves yet. No AAPL, AMZN, MSFT? Or if GOOGL, AVGO, TSM get really cheap? XHB and AAL/UAL for a trade? Just maybe some companies that aren’t going anywhere.
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