#  @Tim_Sweeney_TAR Timothy Sweeney Timothy Sweeney posts on X about $sofi, if you, stablecoins, debt the most. They currently have [-----] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours. ### Engagements: [------] [#](/creator/twitter::1594795769034252288/interactions)  - [--] Week [-------] -25% - [--] Month [-------] +5.10% - [--] Months [---------] +102% - [--] Year [---------] +75% ### Mentions: [--] [#](/creator/twitter::1594795769034252288/posts_active)  - [--] Week [---] +20% - [--] Month [---] +7.60% - [--] Months [---] +80% - [--] Year [-----] +33% ### Followers: [-----] [#](/creator/twitter::1594795769034252288/followers)  - [--] Week [-----] +1.10% - [--] Month [-----] +3% - [--] Months [-----] +49% - [--] Year [-----] +81% ### CreatorRank: [-------] [#](/creator/twitter::1594795769034252288/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) 55% [stocks](/list/stocks) 44% [countries](/list/countries) 4% [currencies](/list/currencies) 2% [cryptocurrencies](/list/cryptocurrencies) 2% [exchanges](/list/exchanges) 2% [automotive brands](/list/automotive-brands) 1% [technology brands](/list/technology-brands) 1% [agencies](/list/agencies) 1% **Social topic influence** [$sofi](/topic/$sofi) #23, [if you](/topic/if-you) 9%, [stablecoins](/topic/stablecoins) #61, [debt](/topic/debt) #1120, [crypto](/topic/crypto) 6%, [products](/topic/products) 5%, [money](/topic/money) 5%, [gold](/topic/gold) 5%, [future](/topic/future) 5%, [matter](/topic/matter) 4% **Top accounts mentioned or mentioned by** [@winnerinvestor](/creator/undefined) [@anthonynoto](/creator/undefined) [@lets_make_it_2](/creator/undefined) [@frugalbuck](/creator/undefined) [@bryanaat](/creator/undefined) [@aveer30](/creator/undefined) [@flobert77324715](/creator/undefined) [@datadinvesting](/creator/undefined) [@vadimkotlarov](/creator/undefined) [@b82143748](/creator/undefined) [@stockmeetups](/creator/undefined) [@letsmakeit2](/creator/undefined) [@mrderivatives](/creator/undefined) [@cs108108](/creator/undefined) [@johnberchick](/creator/undefined) [@mike5starlife](/creator/undefined) [@elgoibarj](/creator/undefined) [@martonhorvath](/creator/undefined) [@krossroads](/creator/undefined) [@aitechandinvest](/creator/undefined) **Top assets mentioned** [RAI Finance (SOFI)](/topic/$sofi) [SPDR S&P [---] ETF Trust (SPY)](/topic/$spy) [BITMINE IMMERSION TECH (BMNR)](/topic/$bmnr) [Bank of America (BAC)](/topic/bank-of-america) [Citigroup Inc (C)](/topic/citigroup) [SoFi Technologies, Inc. Common Stock (SOFI)](/topic/sofi-technologies) [2131KOBUSHIDE (21)](/topic/$21) [Ethereum (ETH)](/topic/ethereum) [Costco Wholesale Corporation (COST)](/topic/costco) [Interpublic Group of Companies Inc (IPG)](/topic/interpublic-group-of-companies-inc) ### Top Social Posts Top posts by engagements in the last [--] hours "$sofi SOFI'S TROJAN HORSE (Fresh Horses We Ride) I'll be giving hints HINT #1 China restricting entities buying US Currency What Bessant knows what would happen if the us dollar was not the fiat currency +9 If the US dollar lost its status as the primary global fiat/reserve currency it could trigger severe economic consequences including high inflation surging interest rates and reduced U.S. purchasing power . The cost of imports would rise reducing American living standards while the U.S. government would face significantly higher costs to service its national debt. $sofi One of the fresh" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020936262652485949) 2026-02-09T19:02Z [----] followers, 19.9K engagements "@WinnerInvestor I think it's related to u uncertainty from the fed and typical sofi after earnings" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021716202629083515) 2026-02-11T22:41Z [----] followers, [---] engagements "$sofi Another long post for educational purposes you might want to repost. WHY MOST ANALYSTS USING TBV TO VALUE SOFI ARE WRONG Many analysts have revised earnings estimates for Sofi much higher but have not raised their target price for the stock and claim its overvalued. They say it should only be valued as a bank. Here's why they are wrong. First they are valuing it as a bank only and thus ignoring not only the tech side but the platform lending the referral programs and other modern aspects and differences of Sofi's online banking system and not having branches not having legacy commercial" [X Link](https://x.com/Tim_Sweeney_TAR/status/1852379058681577677) 2024-11-01T15:55Z [----] followers, 86.2K engagements "@WallStreetApes Nobody has ever been able to afford a house at [--] years old or had any significant savings for that matter. And if your rent is that high you are living beyond your means. Get a roommate or two get a cheaper car etc etc" [X Link](https://x.com/Tim_Sweeney_TAR/status/1936384999504375924) 2025-06-21T11:25Z [----] followers, 17K engagements "$bmnr I just want to repost this and update my thoughts. So I think this was a good play. I thought $62 was too high because there's about 1-2 dozen wallets that own about 56% of all etherium and for them to convert some of those profits they needed a surge of buyers. Tom Lee created that for them. That potential selling and the tariffs dropped the price into the 50s and it was trending lower. Based on my analysis I thought it would trend down to about $45. Which it did. What did I do I bought shares at roughly about $53.50 and sold calls at $6 which would either get me a return of over 12%" [X Link](https://x.com/Tim_Sweeney_TAR/status/1984540404285390887) 2025-11-01T08:37Z [----] followers, 61.3K engagements "$sofi We had a [--] year lead on the idea for lower credit card interest. Now B of A and Citi looking into it only for people above [---] credit scores and only for c a year The bank who figures out how to offer this ecosystem will win most Bank of America Citigroup Weigh New Credit Cards With 10% Rate https://www.bloomberg.com/news/articles/2026-01-22/bank-of-america-citigroup-weigh-new-credit-cards-with-10-rate https://www.bloomberg.com/news/articles/2026-01-22/bank-of-america-citigroup-weigh-new-credit-cards-with-10-rate" [X Link](https://x.com/Tim_Sweeney_TAR/status/2014389564123840521) 2026-01-22T17:27Z [----] followers, [----] engagements "@HannahDCox You do realize that these people paid way more into the system than they will ever receive back" [X Link](https://x.com/Tim_Sweeney_TAR/status/2015223270220693789) 2026-01-25T00:40Z [----] followers, [----] engagements "So you hit the problems Kids today use credit cards too much Healthcare is fraudulently too high Colleges charge to much tuition And daycare is ridiculous But I dont know any boomer who got more help from their parents than the boomers children Example Baby Boomers inherited a significantly smaller amountoften less than $50000 median in earlier smaller-scale transferscompared to the "Great Wealth Transfer" where their children (Millennials/Gen Z) are projected to inherit an average of roughly $320000 to $335000 https://twitter.com/i/web/status/2015953015208022205" [X Link](https://x.com/Tim_Sweeney_TAR/status/2015953015208022205) 2026-01-27T01:00Z [----] followers, [----] engagements "$sofi $25.48 is a good long term price for this week" [X Link](https://x.com/Tim_Sweeney_TAR/status/2016273421198602708) 2026-01-27T22:13Z [----] followers, 15.3K engagements "@Noway27383792 @elgoibarj No they haven't. it's a volume weighted average and if they get March sp [---] inclusion both the volume and price will go up during the [--] days after that announcement on march 13" [X Link](https://x.com/Tim_Sweeney_TAR/status/2016424345762201621) 2026-01-28T08:13Z [----] followers, [---] engagements "@Degenerate__JJ I did a post about how dilution and additional expenses would hold back earnings per share but it's still fairly likely that [----] overall total earnings will be 2x the earnings of 2025" [X Link](https://x.com/Tim_Sweeney_TAR/status/2016981158651965941) 2026-01-29T21:05Z [----] followers, [---] engagements "$sofi Thinking about the 4th quarter. With the sp [---] inclusion opportunity in March I think the 4th quarter earnings and guidance are pivotal for sp [---] inclusion in March. As I stated a few months back. The sp [---] inclusion committee likely wants to see an additional full year of growth in members revenue and profit. They want that also to be sustainable. This advocates for trying to get the Chime cancelation fee of $33 million into the 4th quarter and not rolling over or postponing any significant revenue in the final weeks into [----]. But getting to my target of $ .40 should be sufficient" [X Link](https://x.com/Tim_Sweeney_TAR/status/2017109441217515718) 2026-01-30T05:35Z [----] followers, 43.5K engagements "$sofi Great earnings. Looks like they did up guidance to $.60. They also got out of all warehouse debt. They had [--] cents adjusted eps. but it looks like it was over [--] cents before adjustments. Over [--] billion quarterly revenue and over [--] million members. Looks to me like the odds of March sp [---] inclusion just got way better Macro is not cooperating. the PPI was higher but a lot of that relates to retail commercial rents rising in December. However most retail leases operate on 5-to-10-year cycles. This means the 10.1% increase reported in today'sPPIis largely driven by "legacy leases"" [X Link](https://x.com/Tim_Sweeney_TAR/status/2017255901938557043) 2026-01-30T15:17Z [----] followers, 28.9K engagements "@CS108108 45s probably not. not enough time 35s depend on sp [---] inclusion and macro" [X Link](https://x.com/Tim_Sweeney_TAR/status/2017262340266500519) 2026-01-30T15:43Z [----] followers, [---] engagements "$sofi @anthonynoto CONGRATULATIONS to the Sofi team for another great quarter. In my opinion this was probably their best quarter. Student loans and mortgages are accelerating. The loan platform business has increasing demand. They are up and running with IPOs level [--] options crypto and better margin rates. They have stablecoins and crypto payment rails just starting. Credit cards and possibly a premium offering could be just around the corner. They are working on big business banking and small business banking offerings and other investment products. Many of these products like stablecoins" [X Link](https://x.com/Tim_Sweeney_TAR/status/2017347803991998701) 2026-01-30T21:22Z [----] followers, 19.5K engagements "$sofi IS UNCERTAINTY ABOUT THE CAPITAL RAISES WEIGHING ON SHARE PRICE One of the uncertainties that is weighing on Sofis stock price is possibly the uncertainty around the use of the two capital raises. People expected from Sofi's statements at the time that the first capital raise was to get out of more expensive debt funding and the lack of detail around the reasons for the second capital raise (so soon after the first raise) increased speculation that it was related to a prospective acquisition. They did get out of all their more expensive warehouse debt but Noto indicated in the earnings" [X Link](https://x.com/Tim_Sweeney_TAR/status/2017463762480198052) 2026-01-31T05:03Z [----] followers, 18.9K engagements "The banks research departments are separate from the underwriting departments. And if you are developing products rapidly you need capital for developing and marketing those products and you don't want to borrow for all those costs. and you would model out what the return would likely be for those products and would only do it if it was accretive to shareholder value. He meant opportunistic because they had opportunities where they could use the capital to increase shareholder value not opportunistic because you will get capital and the stock price will go down You don't measure dilution by" [X Link](https://x.com/Tim_Sweeney_TAR/status/2017533668882059400) 2026-01-31T09:41Z [----] followers, [---] engagements "It only negatively effects the value of the business if their investments in growth (ie how they use the money) doesn't provide very a greater return on a percentage basis than the dilution in the number of shares. Dilution in the number of shares simply is not the correct metric and doesn't matter. You need to obtain additional capital to grow your business and you can't just rely on organic growth to provide the necessary funding for growth. You miss opportunities. You also don't want to rely on debt especially with a financial institution. I understand the argument that some investors may" [X Link](https://x.com/Tim_Sweeney_TAR/status/2017689492132663497) 2026-01-31T20:00Z [----] followers, [---] engagements "$sofi My thoughts Even on a traditional book value metric. it woud be valued at about [---] x tbv which would be about [-----]. That's based on it's growth adjusted tbv without tech. He has to be even more conservative with guidance because of all the expenses this year related to investments. [--] cents now is after share dilution of 17% so in comparison with last year's guide of $.55 to $.80 for [----]. that should be about $.73. And that's after accounting for what I expect is additional marketing development and r&d expenses of about [--] cents a share. So they would have gone way over that" [X Link](https://x.com/Tim_Sweeney_TAR/status/2017790468948693173) 2026-02-01T02:41Z [----] followers, [----] engagements "$sofi Don't underestimate that the capital raise jacked up Sofi's TBV which more aligns its tbv multiple with the average of the sp [---] companies. Not a requirement but certainly something the committee will look at" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018042576092442805) 2026-02-01T19:23Z [----] followers, 38.7K engagements "$sofi MORE ON POSSIBLE INCLUSION HOW MANY SOFI SHARES NEED TO BE PURCHASED ON SP [---] INCLUSION PER GROK SoFi Technologies (SOFI) were added to the S&P [---] passive index funds and ETFs tracking the index would need to buy shares to reflect its weighting in the benchmark. Here's a step-by-step explanation of how to estimate the number of shares purchased based on current data as of early February 2026: [--]. Determine SOFI's float-adjusted market cap: This is the value used for index weighting. SOFI has approximately [----] billion float shares (publicly available shares excluding locked-up or" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018050836157595782) 2026-02-01T19:56Z [----] followers, 27.8K engagements "This has got to be the most uninformed post on accounting I've ever seen. There's a reason accounting rules highlight one time benefits and exclude them for comparison purposes. The real enlightment did be that the eps this year grew so much (after paying tax) compared to earlier periods where the eps was without tax because of prior tax carryover offsets. https://twitter.com/i/web/status/2018118670665547779 https://twitter.com/i/web/status/2018118670665547779" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018118670665547779) 2026-02-02T00:26Z [----] followers, [----] engagements "It would be a valid point if A. They will hold the cash without investing it in new products B. They aren't making any additional eps from using that cash as capital ratio for more loans C. They aren't making any return on the cash enough to offset the share dilution D. That cash capital raise didn't give them a significant jump in tangible book value which then puts them under the average tbv for companies in the Sp500 helping them with possible Sp [---] inclusion E. the cash didn't show then to pay off ask remaining warehouse debt which not only increases eps going forward but also protects" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018479779494977644) 2026-02-03T00:20Z [----] followers, 11.1K engagements "I only focus on their guides that have always improved upon and they are guiding 38% to 42% annual growth in EPS Their guide for [----] was originally 25-26 cents and they hit [--] cents. So take what you think they will actually make and apply the 40% average eps growth to see what eps will be in [----]. Here's my guess based on my model 2026.$.74 2027.$1.04 2028.$1.45 Projected [----] guide [----] x [---] (dropping to 30% growth) = $1.89 Multiply that by a PE multiple consistent for that growth (about 50) and you can project an eoy price [----] of roughly $94.50 That's 330% growth in less than [--] years" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018485731287871948) 2026-02-03T00:44Z [----] followers, 17.4K engagements "$sofi My response to why holding cash is not necessarily dilutive. see below @bryanaat @Flobert77324715 @anthonynoto It would be a valid point if A. They will hold the cash without investing it in new products B. They aren't making any additional eps from using that cash as capital ratio for more loans C. They aren't making any return on the cash enough to offset the share dilution D. That cash @bryanaat @Flobert77324715 @anthonynoto It would be a valid point if A. They will hold the cash without investing it in new products B. They aren't making any additional eps from using that cash as" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018490150087717219) 2026-02-03T01:02Z [----] followers, [----] engagements "$sofi Here's another response on Sofi's guide and a little wealth management example to consider. Only my opinion Not investment or wealth management advice. Here's a thought. if you keep chasing 100% returns in a short time you will make a lot of mistakes. It's like taking a cake out of the oven every [--] minutesand looking at it. just let it bake @bryanaat @Flobert77324715 @anthonynoto I only focus on their guides that have always improved upon and they are guiding 38% to 42% annual growth in EPS Their guide for [----] was originally 25-26 cents and they hit [--] cents. So take what you think" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018491610087239969) 2026-02-03T01:07Z [----] followers, 15.1K engagements "@elgoibarj Read this again https://x.com/i/status/2018479779494977644 @bryanaat @Flobert77324715 @anthonynoto It would be a valid point if A. They will hold the cash without investing it in new products B. They aren't making any additional eps from using that cash as capital ratio for more loans C. They aren't making any return on the cash enough to offset the share dilution D. That cash https://x.com/i/status/2018479779494977644 @bryanaat @Flobert77324715 @anthonynoto It would be a valid point if A. They will hold the cash without investing it in new products B. They aren't making any" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018491955567841742) 2026-02-03T01:09Z [----] followers, [---] engagements "Sp [---] isn't considered tech fintech crypto or growth People invested in sp [---] generally aren't the she people in good silver crypto or growthfur that matter. Right now it's the leverage in gold since Crypto etc that is forcing investors not only to liquidate those buildings but then they sell some of the other stocks they own. Which has a lot of overlap with sofi I said last week the next two weeks would be nasty" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018493147450593588) 2026-02-03T01:14Z [----] followers, [---] engagements "@WinnerInvestor @bryanaat @Flobert77324715 @anthonynoto Also people are fearful so they shift to sp [---] funds" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018493327931559962) 2026-02-03T01:14Z [----] followers, [--] engagements "@Lets_Make_It_2 @bryanaat @Flobert77324715 @anthonynoto Lol you don't remember when we were at 7" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018493524757627188) 2026-02-03T01:15Z [----] followers, [---] engagements "@sarubactam @WinnerInvestor @bryanaat @Flobert77324715 @anthonynoto I did a post on it.I dont believe in technical analysis but so many People do that it actually is relevant in the short term That being said if macro calms down its not going to 18" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018494447408074783) 2026-02-03T01:19Z [----] followers, [--] engagements "@WinnerInvestor @bryanaat @Flobert77324715 @anthonynoto Now we're a tech/crypto company Warsh isn't going to do anything except lower rates a bit until after midterms He will be working on deficit reduction with Bessant This is just wall street doing what wall street and algos do. profit on fear" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018495187014844564) 2026-02-03T01:22Z [----] followers, [---] engagements "@Lets_Make_It_2 @bryanaat @Flobert77324715 @anthonynoto Doesn't it have to on March 6th since it's my birthday" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018496462695641451) 2026-02-03T01:27Z [----] followers, [---] engagements "@martonhorvath @Kenmegan44 @bryanaat @Flobert77324715 @anthonynoto It's part of diversification and you sold manage the premiums or you can invest in others. and you don't have any tax until expiration" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018585235991196094) 2026-02-03T07:19Z [----] followers, [---] engagements "@B82143748 @anthonynoto @Kross_Roads Not likely" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018688951054119216) 2026-02-03T14:12Z [----] followers, [----] engagements "$PayPal $sofi I sold PayPal last summer at $74 for [--] reasons First they were reorganizing and I knew that would take at least [--] to [--] months to effect a turn around. Second. They're biggest business is a legacy payment business that makes money on payments and with stablecoin competition in the future iIt would be difficult for them to adopt or change to stablecoins without cannibalism of their own business. Not unlike big banks competing with Sofi on giving interest on deposits That is a problem that is difficult and takes a long time to overcome. Now they have made another management l" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018723399770780007) 2026-02-03T16:28Z [----] followers, 10.3K engagements "$sofi FURTHER ON SOFI PRICE ACTION It's going to trend down if the entire market trends down. and there's this Last month. "I'm holding for [--] years" This month after the best earnings ever and set up for the future JAN [----] [----] high Omg its crashing JAN [----] [-----] high Omg its crashing JAN [----] [-----] Omg its crashing Everything's getting better [----] took to August to come back [----] took to July 1st to come [----] make your bets But [----] may have sp500 inclusion as a catalyst Wall Street didn't like 1st quarter guides which have to be conservative because a bunch of costs get incurred in 1st" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018770631018655826) 2026-02-03T19:36Z [----] followers, 16.3K engagements "@mrtnt52 The real issue for me is if it drops further I usually only buy stock but it might be the right move at some point to sell a chunk and roll it over into leaps.I just haven't looked at the premiums closelyand kind of don't want to track it" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018772464973828593) 2026-02-03T19:43Z [----] followers, [---] engagements "$sofi They're looking at the wrong metric. They need to also look at the profit projection of 38%-42% growth per year You've heard the saying you can't make money without spending money and your shouldn't have a lot of debt. Well that's what Sofi is doing About having more flow to the bottom line. last year they guided [--] cents and hit [--] cents (even after proportional dilution) You might attribute that to sandbagging but I attribute that to them working their ass off during the year to exceed expectations. I think they have earned some shareholder trust (Which i think I say every year)" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018785341357146487) 2026-02-03T20:35Z [----] followers, [---] engagements "$sofi MY WEEKLY BUY" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018797072288485417) 2026-02-03T21:21Z [----] followers, 10.6K engagements "@Lets_Make_It_2 If you look at the company's assets products and income where it was at $7 a share and look at it not at $21 so would conclude with over $4 billion in cash and no debt that is not a better buy But you may be just fine owning what you own and waiting. that's perfectly fine" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018807778060693890) 2026-02-03T22:04Z [----] followers, [---] engagements "@Lets_Make_It_2 At 74% you're probably good just to hold" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018824254243086554) 2026-02-03T23:09Z [----] followers, [--] engagements "It will come back strong later this year but period still chasing gold and silver up and the sales by whales and I think a desire by China and others who don't want crypto and stablecoins to be the new US currency world order. They will lose that battle But if i was in the battle I'd just hold. so that's what Im doing Just my opinion https://twitter.com/i/web/status/2018852756543680592 https://twitter.com/i/web/status/2018852756543680592" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018852756543680592) 2026-02-04T01:03Z [----] followers, [--] engagements "@art__oganesyan Not selling calls now maybe at [--] or higher. then I'll do a more complicated call strategy" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018886745509728659) 2026-02-04T03:18Z [----] followers, [---] engagements "@kylewhitegoat We bull way too expensive . would be over $5.5 billion and not 100% consistent with brand Etoro not geographically matched so not runing on the same treadmill at the same time Now if webull was $1.5 billion.hmmmn" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018893548574343241) 2026-02-04T03:45Z [----] followers, [----] engagements "@AITechAndInvest @art__oganesyan Yes I think 45s are very low probability" [X Link](https://x.com/Tim_Sweeney_TAR/status/2018902766232674576) 2026-02-04T04:21Z [----] followers, [---] engagements "Yes you are wrong. They will be spending so much on r&d and other expenses that can now be accelerated for tax purposes and also can be eligible for r&d tax credits. Banks and financial institutions can claim R&D tax credits for developing or improving software such as mobile banking apps cybersecurity enhancements automated processes and bespoke in-house systems. That also applies to machinery and software that get 100% bonus depreciation. I would guess that their overall tax rate for the year and it's just a random gues will probsbly be closer to 7-10 percent. This process relies on Sofi" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019202973956722849) 2026-02-05T00:14Z [----] followers, [--] engagements "Oh. well they do set the overall effective state tax rate they expect at the beginning of year. but while mid teens is good I'm sure that estimate may be about 4%-5% high. Why Because they likely will spend more on those tax preferred categories Then need with the Asians fur state tax Utah [---] % Tennessee 6.5% California 8.84%. lots of planning opportunities moving expenses to Utah etc https://twitter.com/i/web/status/2019212740267835502 https://twitter.com/i/web/status/2019212740267835502" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019212740267835502) 2026-02-05T00:53Z [----] followers, [--] engagements "$sofi That all depends on what happens with the stock price and the overall market between now and march 6th. I said in a previous post before this recent drop that it would kind of drift between [--] to [--] probably until next earnings. So whatever the price is towards the end of this month it should have a bit of a run before that inclusion decision. It's looking pretty good for inclusion but if it runs up a lot and doesn't get in you'll probably lose that run up and a bit more because of the disappointment. If it doesnt run up to that decision it may fall a bit but still could drift into" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019255964080496988) 2026-02-05T03:45Z [----] followers, [---] engagements "$sofi Here's my initiation of Insider @insiderinvests Holy Shit Sofi is going into prediction markets. https://x.com/i/status/2019254900346220715 @LizThomasStrat @fundstrat Two lines that stood out from our live recording of The Important Part with @LizThomasStrat Tom Lee (@fundstrat) & Michael Lewis: 🔮 Prediction markets are really useful actually the closest thing to a crystal ball. 🌍 Its very important for investors to have a broad https://x.com/i/status/2019254900346220715 @LizThomasStrat @fundstrat Two lines that stood out from our live recording of The Important Part with" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019284250336588266) 2026-02-05T05:37Z [----] followers, 31K engagements "@GovPressOffice @CAgovernor I would love to audit the project" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019288021561118835) 2026-02-05T05:52Z [----] followers, [---] engagements "@fabio_bassini @CS108108 Which part" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019316688634945650) 2026-02-05T07:46Z [----] followers, [--] engagements "In the first part has been in the news and I know some hedge fund guys and I think there was an article today. The hedge funds had made $24 billion shorting recently period. The last sentence was based on my research of what ethereum whales were selling and combining that with the hedge funds that are jumping on also. A combination of that research and my opinion https://twitter.com/i/web/status/2019320322185470021 https://twitter.com/i/web/status/2019320322185470021" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019320322185470021) 2026-02-05T08:00Z [----] followers, [--] engagements "It may be. it's a lot of institutional selling and hedge fund shorting though. This is why I said last week it could get nasty. The rampant speculation in gold silver hit crypto hard and then AI also had a lot of speculation that it wouldn't be successful for a longer time then they simultaneously say it will be so successful it soon that software companies are at risk because it can do some basic legal research and contract review. Was a perfect set up for airing the biggest leveraged plays and it's hitting the entire market. I was up all night with my son who is sick so I'll sit out and" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019433006403145890) 2026-02-05T15:28Z [----] followers, [--] engagements "@KTinTaiwan @anthonynoto @B82143748 @Kross_Roads That decision isn't until the last day of February's market cap" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019437487152869417) 2026-02-05T15:46Z [----] followers, [--] engagements "@johnberchick [--] by next January . i don't see that as a problem lol" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019439044636340512) 2026-02-05T15:52Z [----] followers, [--] engagements "It's actually a bit more complicated. the committee looks at alot of data in making their decision such as the [--] month average market cap they also look at the last day of the month before inclusion decisions but the qualification of the market cap also must be made. S&P 500:The "evaluation date" for determining if a company meets all eligibility criteria (including market cap) is typically theopen of trading two business days priorto the announcement date. Announcements usually happen on thesecond Fridayof the rebalance month making the determination date roughlytwo weeks beforethe effective" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019440873390633088) 2026-02-05T15:59Z [----] followers, [--] engagements "Think long term. But if you have any hiccups in lpb sales. you have capital ratio to hold those loans and weather the storm. People without a background in restructuring or capital markets or any experience managing a large public company should think before they talk. Noto and his team had like 1000x the experience and we have guys who have very little experience or maybe ran a flower shop giving advice because they want to get rich quicker https://twitter.com/i/web/status/2019484997154111558 https://twitter.com/i/web/status/2019484997154111558" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019484997154111558) 2026-02-05T18:55Z [----] followers, [---] engagements "@FirstSquawk @grok what started it" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019503038990569615) 2026-02-05T20:06Z [----] followers, [----] engagements "No wife and no kids.a lot easier lol I never use margin on the way down. to net it's s comparison between the cost of margin and premiums for options. Margin is tricky for most people even on the way up because they over use margin. meaning they can't pay the margin instead currently and few months of sideways you end up with a ton of margin and risk. Margin is generally cheaper than options but options don't compound. So if prefer not to use more than 10-15% margin and pay the interest each month and part of the principal. DON'T USE IT LIKE A CREDIT CARD" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019559468112179445) 2026-02-05T23:51Z [----] followers, [---] engagements "@JoeyTphilly That's my opinion too" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019583757959983407) 2026-02-06T01:27Z [----] followers, [---] engagements "@Lets_Make_It_2 I'm sure they will comment on it soon" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019587671262404850) 2026-02-06T01:43Z [----] followers, [---] engagements "$sofi Good find by @johnberchick --'the first investor relations report to shareholders on the use of the capital proceeds. FYI @Tim_Sweeney_TAR $sofi https://t.co/iLernDghLX FYI @Tim_Sweeney_TAR $sofi https://t.co/iLernDghLX" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019744640031691184) 2026-02-06T12:07Z [----] followers, 15.6K engagements "$sofi Great idea. Now I may be put out of business with my analysis and explanations of what they are doing lol Compare https://x.com/i/status/2017463762480198052 As we enter [----] @SoFi's mission and vision for the future are attracting more interest than ever before. Thats why we are excited to share our first Investor Relations Spotlight: providing more context on our recent capital raises. Well share these from time to time and look https://x.com/i/status/2017463762480198052 As we enter [----] @SoFi's mission and vision for the future are attracting more interest than ever before. Thats why" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019928387738009952) 2026-02-07T00:17Z [----] followers, 10.3K engagements "@Mike5starLife @anthonynoto @realDonaldTrump @amitisinvesting Ok I thought maybe I was getting dementia or my typos AI was posting without me 😆" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019931438473441362) 2026-02-07T00:29Z [----] followers, [---] engagements "$sofi Some people ask if I could explain Noto's discussion at the end of Tannor and Tevis podcast about valuation. Here's a more detailed explanation on the the theme in case you missed it at the time. It's long but educational $sofi @anthonynoto BANK OF AMERICA'S OWN VALUATION LEADING TO A DOWNGRADE SUGGESTS THAT SOFI'S TARGET STOCK PRICES SHOULD BE [----] - $13.52 TO $18.99 [----]. $31.89 TO $44.73 [----]. $50.25 to $70.56 This will be another longer post regarding valuation. I'll critique the B of $sofi @anthonynoto BANK OF AMERICA'S OWN VALUATION LEADING TO A DOWNGRADE SUGGESTS THAT SOFI'S" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019947571310141583) 2026-02-07T01:33Z [----] followers, 17.2K engagements "$sofi WHAT DID NOTO MEAN BY SOFI+ NEEDS A HOOK I've got this question a few times. It's discussed at 31:20 on the podcast. He's talking about what I call the "Primary Value Motivator" the part of a package deal that's the primary motivator to sign up and pay every month because it's used so often that the value makes it an essential purchase. For Costco it's the annual fee that gets you access to the Primary Motivator-- lower prices. But then they add travel tires tickets etc. Custoners accept the annual fee and never even think about not paying it. In Noto's example he uses Amazon prime. The" [X Link](https://x.com/Tim_Sweeney_TAR/status/2019993335306621434) 2026-02-07T04:35Z [----] followers, [----] engagements "Thee are all good benefits and Chase and American Express for example have numerous cards where one or more of these benefits are the hook or identity of the card. Sofi imo. Can't go into the market offering like [--] different cards. They have to choose a card identity to market the main benefit and then they can add other benefits within the subscription. American Express Black - concierge and travel Robinhood Gold - 3% cash back Sofi has to choose it's hook/ identity to appeal to a range of young people starting out and young professionals first. but it must also appeal to guys like me. They" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020205676665167999) 2026-02-07T18:39Z [----] followers, [--] engagements "@WinnerInvestor @insiderinvests I guess if you have shares and you margin lots if you're do underwater and will get assigned just sell your other shares" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020346591346094085) 2026-02-08T03:58Z [----] followers, [--] engagements "$sofi Margin in a Downturn This is difficult subject because most retail investors should not use margin. AGAIN SHOULD NOT USE MARGIN. I am not your investment advisor and this is not investment advice. BUT I WILL SHOW YOU HOW PLANNING COULD SAVE YOU MONEY AND WHY NO MARGIN IS BETTER. When you have margin and you don't have a financial advisor or a plan you are asking for problems. The first problem is you could easily get liquidated in a short downturn and not only lose your ability to profit from your stock positions but you could lose permanently a large portion of your portfolio. The" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020397806901752251) 2026-02-08T07:22Z [----] followers, [---] engagements "$sofi Margin in a Downturn This is difficult subject because most retail investors should not use margin. AGAIN SHOULD NOT USE MARGIN. I am not your investment advisor and this is not investment advice. BUT I WILL SHOW YOU HOW PLANNING COULD SAVE YOU MONEY AND WHY NO MARGIN IS BETTER. When you have margin and you don't have a financial advisor or a plan you are asking for problems. The first problem is you could easily get liquidated in a short downturn and not only lose your ability to profit from your stock positions but you could lose permanently a large portion of your portfolio. The" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020401165721325680) 2026-02-08T07:35Z [----] followers, [----] engagements "@B82143748 @Kross_Roads @iseelightnow @Futurenvesting @FunOfInvesting @DataDInvesting I think they did" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020586705590665233) 2026-02-08T19:53Z [----] followers, [--] engagements "@aveer30 @Mr_Derivatives @anthonynoto @DataDInvesting Try getting a gold card" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020714586526409100) 2026-02-09T04:21Z [----] followers, [--] engagements "@aveer30 @Mr_Derivatives @anthonynoto @DataDInvesting I'm going to do a gage at comparing hood and my ideas" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020714821491315041) 2026-02-09T04:22Z [----] followers, [--] engagements "@aveer30 @Mr_Derivatives @anthonynoto @DataDInvesting Fake ad lol" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020715860932129159) 2026-02-09T04:26Z [----] followers, [--] engagements "@aveer30 @Mr_Derivatives @anthonynoto @DataDInvesting Yes but there's [--] to [--] million people on wait list. and I'll bet they only give then to kettle who trade heavily or who have tons of assets The hooks are both loss leaders" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020719352639811650) 2026-02-09T04:40Z [----] followers, [--] engagements "@aveer30 @Mr_Derivatives @anthonynoto @DataDInvesting I do use that as an example though In my post" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020719352816054488) 2026-02-09T04:40Z [----] followers, [--] engagements "Pay tuition with s summer job but a house by house at [--] Wait shit that didn't happen for $100 Alex No shoes cheaper that $150. no phone chair than $1000 $100000 student debt for an unmarketable degree The are called choices not necessities Work [--] years in a job before you complain https://twitter.com/i/web/status/2020764365327323430 https://twitter.com/i/web/status/2020764365327323430" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020764365327323430) 2026-02-09T07:39Z [----] followers, [----] engagements "@WinnerInvestor @VadimKotlarov @Frugalbuck Yes if it gets big enough.hmmmn" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021029366071996593) 2026-02-10T01:12Z [----] followers, [---] engagements "$sofi SOFI'S TROJAN HORSE HINT [---] SEE HINT [---] FIRST In summary there are very few ways we can cheaply refinance the $38 trillion deficit. If you require all stablecoins to be invested in mostly short term treasuries you can get maybe $4 trillion of stablecoin market cap by say [----]. With a $38 trillion deficit that's not much. But there's $30 + trillion of short term treasuries worldwide. What if stablecoins expanded into foreign countries. Could that happen El Salvador uses bitcoin right. Central and South America have gratitude the most volatile currencies and they do substation business" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021038368457621561) 2026-02-10T01:47Z [----] followers, [---] engagements "SURE DOESN'T LOOK JUST LIKE PAYMENTS TO RELATIVES SUMMARY Note embed stablecoins into the Latin American banks In [----] SoFi leverages its U.S. national bank charter to deploySoFiUSDas a regulated settlement layer for Latin American businesses. By using this stablecoin companies in volatile regions can bypass high-inflation local currencies and hold "digital dollars" protecting their profit margins from devaluation and providing a stable asset for international trade. Through its subsidiariesGalileo and Technisys SoFi embeds this infrastructure directly into regional banks to create a" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021038929294787040) 2026-02-10T01:50Z [----] followers, [---] engagements "@Frugalbuck Don't get ahead of me. but not "totally" correct but hmmmn" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020948593805492234) 2026-02-09T19:51Z [----] followers, [---] engagements "@Frugalbuck @WinnerInvestor @VadimKotlarov Have patience" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021039176414806523) 2026-02-10T01:51Z [----] followers, [--] engagements "@WinnerInvestor @Frugalbuck See it's getting more interesting right" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021051794881904802) 2026-02-10T02:41Z [----] followers, [--] engagements "$sofi @anthonynoto BANK OF AMERICA'S OWN VALUATION LEADING TO A DOWNGRADE SUGGESTS THAT SOFI'S TARGET STOCK PRICES SHOULD BE [----] - $13.52 TO $18.99 [----]. $31.89 TO $44.73 [----]. $50.25 to $70.56 This will be another longer post regarding valuation. I'll critique the B of A valuation in another post for internal consistency and methodology. This post will be a test of their valuation taking into growth based on B of A's own projections for Sofi. Let's summarize a little background information. Background Information On TBV Back on November 1st I posted the information below discussing in" [X Link](https://x.com/Tim_Sweeney_TAR/status/1866346823700332863) 2024-12-10T04:58Z [----] followers, 85.4K engagements "$sofi News on sp [---] Yes S&P Dow Jones Indices announced today (November [--] 2025) that SanDisk Corporation (NASDAQ: SNDK) will join the S&P [---] index replacing The Interpublic Group of Companies Inc. (NYSE: IPG). The change is effective prior to the opening of trading on Friday November [--] [----]. https://twitter.com/i/web/status/1993087953850319215 https://twitter.com/i/web/status/1993087953850319215" [X Link](https://x.com/Tim_Sweeney_TAR/status/1993087953850319215) 2025-11-24T22:42Z [----] followers, 40.3K engagements "$sofi EPS CLASS Just a little reminder about eps guidance Sofi's guidance has continued to be $.55 to $.80 eps for [----]. However that was before about 17% dilution in shares from the [--] capital raises. If you had the same dollar earnings range accounting for the dilution the range would be about $.47 to $.68 eps. I think they will probably hit about $.74+ in [----]. It's hard to nail down to a precise range for me because of so many catalysts so much investment and estimating how soon those investments pay off. But the increase in expenses in [----] for all the product development and new hiring" [X Link](https://x.com/Tim_Sweeney_TAR/status/2016768082304520467) 2026-01-29T06:59Z [----] followers, 18K engagements "$sofi WTF IS HAPPENING WITH THE THE MARKET AND SOFI About a week ago I said the market would be nasty for at least [--] weeks. It's actually a bit worse then I thought it would be This relates to uncertainty about Trump nominating Warsh which makes it uncertain if he will want QT and what happens to interest rates. But this is also about leverage in crypto and gold and overnight AI trade. The blow up of that leverage causes not only the selling of those names but also anything connected with leverage. All those 2x to 5x leveraged etfs are forced to sell a portion of all their stock holdings." [X Link](https://x.com/Tim_Sweeney_TAR/status/2019549922056638873) 2026-02-05T23:13Z [----] followers, 21.4K engagements "$sofi SOFI'S TROJAN HORSE (Fresh Horses We Ride) HINT #2 In early [----] Janet Yellen could have refinanced the federal debt with [--] year bonds at a low of 1.6%. By not locking in the 1.6% rate on $20 trillion the government has essentially committed to an extra $420 billion in annual spending that provides no services builds no infrastructure and provides no defenseit's just the cost of higher interest. So --Locked-in 30-Year Bond (1.6%) --Current Rolling/New Debt (3.7% Avg) --Annual Interest Expense$320 Billion vs $740 Billion --Annual Cash Flow Lossof $420 Billion --25-Year Total" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020998437576245720) 2026-02-09T23:09Z [----] followers, 17.7K engagements "@Frugalbuck Have you looked closely at Sofi's recent hiring Check out posts by @VadimKotlarov" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021006321852743683) 2026-02-09T23:40Z [----] followers, [---] engagements "$sofi Not backed technically. The GENIUS Act requires that stablecoin issuers back their assets 1:1 with high-quality liquid assets which include US dollars deposits and short-term US Treasury obligations. The legislation mandates that these reserves be segregated from operating funds and verified monthly to ensure stability. Key details regarding the [----] GENIUS Act: Reserve Requirements: 100% backing is required using cash U.S. Treasury bills or other approved liquid assets. But. Noto has explicitly stated that its stablecoin SoFiUSD would be and is backed by cash reserves held directly in" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021025595900240091) 2026-02-10T00:57Z [----] followers, [---] engagements "@aveer30 @RobinhoodApp @vladtenev @anthonynoto @DataDInvesting Since October [--] [----] until today. Sofi down 17% Hood down 43%. That's pretty good velocity" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021397965085212914) 2026-02-11T01:36Z [----] followers, [---] engagements "$sofi MY PROFILE A few people have asked me to post my career background. I will pin this post because I don't want to lose my blue check mark. University of Illinois - BS Accounting -Highest Honors Elijah Watt Sells Award - top [--] out of [-----] ON THE May [----] CPA EXAM University of Michigan - Accounting Instructor - Highest Student Rated Teacher at the University [--] years University of Michigan Law School - Cum Laude Pillsbury Winthrop (Major Law Firm) - Corporate and Tax Partner Deloitte (Major Accounting Firm)- Senior Partner - Office of the Chairmen Clients Wealth Management Firm -" [X Link](https://x.com/Tim_Sweeney_TAR/status/1885194842906689689) 2025-01-31T05:14Z [----] followers, 81K engagements "$sofi One of the fresh horses that Sofi can ride to success. Maybe I'll have more on this later lol" [X Link](https://x.com/Tim_Sweeney_TAR/status/2020574317428482228) 2026-02-08T19:03Z [----] followers, 17.2K engagements "$sofi HINT [---] VADIM GIVING AWAY MY FUTURE HINTS $sofi SOFI'S TROJAN HORSE (Fresh Horses We Ride) HINT #2 In early [----] Janet Yellen could have refinanced the federal debt with [--] year bonds at a low of 1.6%. By not locking in the 1.6% rate on $20 trillion the government has essentially committed to an extra $420 billion $sofi SOFI'S TROJAN HORSE (Fresh Horses We Ride) HINT #2 In early [----] Janet Yellen could have refinanced the federal debt with [--] year bonds at a low of 1.6%. By not locking in the 1.6% rate on $20 trillion the government has essentially committed to an extra $420 billion" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021026088340844735) 2026-02-10T00:59Z [----] followers, 10.3K engagements "$sofi SOFI'S TROJAN HORSE HINT [---] SEE HINT [---] FIRST In summary there are very few ways we can cheaply refinance the $38 trillion deficit. If you require all stablecoins to be invested in mostly short term treasuries you can get maybe $4 trillion of stablecoin market cap by say [----]. With a $38 trillion deficit that's not much. But there's $30 + trillion of short term treasuries worldwide. What if stablecoins expanded into foreign countries. Could that happen El Salvador uses bitcoin right. Central and South America have some of the most volatile currencies and they do substantial business" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021048233620013462) 2026-02-10T02:27Z [----] followers, 21.4K engagements "SURE DOESN'T LOOK JUST LIKE PAYMENTS TO RELATIVES SUMMARY Note embed stablecoins into the Latin American banks In [----] SoFi leverages its U.S. national bank charter to deploySoFiUSDas a regulated settlement layer for Latin American businesses. By using this stablecoin companies in volatile regions can bypass high-inflation local currencies and hold "digital dollars" protecting their profit margins from devaluation and providing a stable asset for international trade. Through its subsidiariesGalileo and Technisys SoFi embeds this infrastructure directly into regional banks to create a" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021048551569301667) 2026-02-10T02:28Z [----] followers, [----] engagements "$sofi SOFI'S TROJAN HORSE HINT [---] SO WHERE ARE WE NOW ---The Government needs to find a way to reduce the interest costs of the deficit and maintain the US dominance as the leading currency. ---Janet Yellen missed an opportunity to save $6 trillion in interest by not refinancing the deficit with longer term treasury bonds in [----]. ---One means of managing the deficit is for the stablecoin system to be developed on a national or worldwide basis. Because the Genius Act requires issuers of stablecoins to hold $1 in short term safe investments for every $1 of stable coins issued the vast" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021429642998186005) 2026-02-11T03:42Z [----] followers, 14K engagements "@WinnerInvestor It's supposed up me lower but longer term won't matter imo We may get a bit of a run into sp [---] day" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021717610707267811) 2026-02-11T22:46Z [----] followers, [--] engagements "@WinnerInvestor @BrianKonczyk All those are crypto related and have been falling for several months" [X Link](https://x.com/Tim_Sweeney_TAR/status/2021752197776912797) 2026-02-12T01:04Z [----] followers, [--] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@Tim_Sweeney_TAR Timothy SweeneyTimothy Sweeney posts on X about $sofi, if you, stablecoins, debt the most. They currently have [-----] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.
Social category influence finance 55% stocks 44% countries 4% currencies 2% cryptocurrencies 2% exchanges 2% automotive brands 1% technology brands 1% agencies 1%
Social topic influence $sofi #23, if you 9%, stablecoins #61, debt #1120, crypto 6%, products 5%, money 5%, gold 5%, future 5%, matter 4%
Top accounts mentioned or mentioned by @winnerinvestor @anthonynoto @lets_make_it_2 @frugalbuck @bryanaat @aveer30 @flobert77324715 @datadinvesting @vadimkotlarov @b82143748 @stockmeetups @letsmakeit2 @mrderivatives @cs108108 @johnberchick @mike5starlife @elgoibarj @martonhorvath @krossroads @aitechandinvest
Top assets mentioned RAI Finance (SOFI) SPDR S&P [---] ETF Trust (SPY) BITMINE IMMERSION TECH (BMNR) Bank of America (BAC) Citigroup Inc (C) SoFi Technologies, Inc. Common Stock (SOFI) 2131KOBUSHIDE (21) Ethereum (ETH) Costco Wholesale Corporation (COST) Interpublic Group of Companies Inc (IPG)
Top posts by engagements in the last [--] hours
"$sofi SOFI'S TROJAN HORSE (Fresh Horses We Ride) I'll be giving hints HINT #1 China restricting entities buying US Currency What Bessant knows what would happen if the us dollar was not the fiat currency +9 If the US dollar lost its status as the primary global fiat/reserve currency it could trigger severe economic consequences including high inflation surging interest rates and reduced U.S. purchasing power . The cost of imports would rise reducing American living standards while the U.S. government would face significantly higher costs to service its national debt. $sofi One of the fresh"
X Link 2026-02-09T19:02Z [----] followers, 19.9K engagements
"@WinnerInvestor I think it's related to u uncertainty from the fed and typical sofi after earnings"
X Link 2026-02-11T22:41Z [----] followers, [---] engagements
"$sofi Another long post for educational purposes you might want to repost. WHY MOST ANALYSTS USING TBV TO VALUE SOFI ARE WRONG Many analysts have revised earnings estimates for Sofi much higher but have not raised their target price for the stock and claim its overvalued. They say it should only be valued as a bank. Here's why they are wrong. First they are valuing it as a bank only and thus ignoring not only the tech side but the platform lending the referral programs and other modern aspects and differences of Sofi's online banking system and not having branches not having legacy commercial"
X Link 2024-11-01T15:55Z [----] followers, 86.2K engagements
"@WallStreetApes Nobody has ever been able to afford a house at [--] years old or had any significant savings for that matter. And if your rent is that high you are living beyond your means. Get a roommate or two get a cheaper car etc etc"
X Link 2025-06-21T11:25Z [----] followers, 17K engagements
"$bmnr I just want to repost this and update my thoughts. So I think this was a good play. I thought $62 was too high because there's about 1-2 dozen wallets that own about 56% of all etherium and for them to convert some of those profits they needed a surge of buyers. Tom Lee created that for them. That potential selling and the tariffs dropped the price into the 50s and it was trending lower. Based on my analysis I thought it would trend down to about $45. Which it did. What did I do I bought shares at roughly about $53.50 and sold calls at $6 which would either get me a return of over 12%"
X Link 2025-11-01T08:37Z [----] followers, 61.3K engagements
"$sofi We had a [--] year lead on the idea for lower credit card interest. Now B of A and Citi looking into it only for people above [---] credit scores and only for c a year The bank who figures out how to offer this ecosystem will win most Bank of America Citigroup Weigh New Credit Cards With 10% Rate https://www.bloomberg.com/news/articles/2026-01-22/bank-of-america-citigroup-weigh-new-credit-cards-with-10-rate https://www.bloomberg.com/news/articles/2026-01-22/bank-of-america-citigroup-weigh-new-credit-cards-with-10-rate"
X Link 2026-01-22T17:27Z [----] followers, [----] engagements
"@HannahDCox You do realize that these people paid way more into the system than they will ever receive back"
X Link 2026-01-25T00:40Z [----] followers, [----] engagements
"So you hit the problems Kids today use credit cards too much Healthcare is fraudulently too high Colleges charge to much tuition And daycare is ridiculous But I dont know any boomer who got more help from their parents than the boomers children Example Baby Boomers inherited a significantly smaller amountoften less than $50000 median in earlier smaller-scale transferscompared to the "Great Wealth Transfer" where their children (Millennials/Gen Z) are projected to inherit an average of roughly $320000 to $335000 https://twitter.com/i/web/status/2015953015208022205"
X Link 2026-01-27T01:00Z [----] followers, [----] engagements
"$sofi $25.48 is a good long term price for this week"
X Link 2026-01-27T22:13Z [----] followers, 15.3K engagements
"@Noway27383792 @elgoibarj No they haven't. it's a volume weighted average and if they get March sp [---] inclusion both the volume and price will go up during the [--] days after that announcement on march 13"
X Link 2026-01-28T08:13Z [----] followers, [---] engagements
"@Degenerate__JJ I did a post about how dilution and additional expenses would hold back earnings per share but it's still fairly likely that [----] overall total earnings will be 2x the earnings of 2025"
X Link 2026-01-29T21:05Z [----] followers, [---] engagements
"$sofi Thinking about the 4th quarter. With the sp [---] inclusion opportunity in March I think the 4th quarter earnings and guidance are pivotal for sp [---] inclusion in March. As I stated a few months back. The sp [---] inclusion committee likely wants to see an additional full year of growth in members revenue and profit. They want that also to be sustainable. This advocates for trying to get the Chime cancelation fee of $33 million into the 4th quarter and not rolling over or postponing any significant revenue in the final weeks into [----]. But getting to my target of $ .40 should be sufficient"
X Link 2026-01-30T05:35Z [----] followers, 43.5K engagements
"$sofi Great earnings. Looks like they did up guidance to $.60. They also got out of all warehouse debt. They had [--] cents adjusted eps. but it looks like it was over [--] cents before adjustments. Over [--] billion quarterly revenue and over [--] million members. Looks to me like the odds of March sp [---] inclusion just got way better Macro is not cooperating. the PPI was higher but a lot of that relates to retail commercial rents rising in December. However most retail leases operate on 5-to-10-year cycles. This means the 10.1% increase reported in today'sPPIis largely driven by "legacy leases""
X Link 2026-01-30T15:17Z [----] followers, 28.9K engagements
"@CS108108 45s probably not. not enough time 35s depend on sp [---] inclusion and macro"
X Link 2026-01-30T15:43Z [----] followers, [---] engagements
"$sofi @anthonynoto CONGRATULATIONS to the Sofi team for another great quarter. In my opinion this was probably their best quarter. Student loans and mortgages are accelerating. The loan platform business has increasing demand. They are up and running with IPOs level [--] options crypto and better margin rates. They have stablecoins and crypto payment rails just starting. Credit cards and possibly a premium offering could be just around the corner. They are working on big business banking and small business banking offerings and other investment products. Many of these products like stablecoins"
X Link 2026-01-30T21:22Z [----] followers, 19.5K engagements
"$sofi IS UNCERTAINTY ABOUT THE CAPITAL RAISES WEIGHING ON SHARE PRICE One of the uncertainties that is weighing on Sofis stock price is possibly the uncertainty around the use of the two capital raises. People expected from Sofi's statements at the time that the first capital raise was to get out of more expensive debt funding and the lack of detail around the reasons for the second capital raise (so soon after the first raise) increased speculation that it was related to a prospective acquisition. They did get out of all their more expensive warehouse debt but Noto indicated in the earnings"
X Link 2026-01-31T05:03Z [----] followers, 18.9K engagements
"The banks research departments are separate from the underwriting departments. And if you are developing products rapidly you need capital for developing and marketing those products and you don't want to borrow for all those costs. and you would model out what the return would likely be for those products and would only do it if it was accretive to shareholder value. He meant opportunistic because they had opportunities where they could use the capital to increase shareholder value not opportunistic because you will get capital and the stock price will go down You don't measure dilution by"
X Link 2026-01-31T09:41Z [----] followers, [---] engagements
"It only negatively effects the value of the business if their investments in growth (ie how they use the money) doesn't provide very a greater return on a percentage basis than the dilution in the number of shares. Dilution in the number of shares simply is not the correct metric and doesn't matter. You need to obtain additional capital to grow your business and you can't just rely on organic growth to provide the necessary funding for growth. You miss opportunities. You also don't want to rely on debt especially with a financial institution. I understand the argument that some investors may"
X Link 2026-01-31T20:00Z [----] followers, [---] engagements
"$sofi My thoughts Even on a traditional book value metric. it woud be valued at about [---] x tbv which would be about [-----]. That's based on it's growth adjusted tbv without tech. He has to be even more conservative with guidance because of all the expenses this year related to investments. [--] cents now is after share dilution of 17% so in comparison with last year's guide of $.55 to $.80 for [----]. that should be about $.73. And that's after accounting for what I expect is additional marketing development and r&d expenses of about [--] cents a share. So they would have gone way over that"
X Link 2026-02-01T02:41Z [----] followers, [----] engagements
"$sofi Don't underestimate that the capital raise jacked up Sofi's TBV which more aligns its tbv multiple with the average of the sp [---] companies. Not a requirement but certainly something the committee will look at"
X Link 2026-02-01T19:23Z [----] followers, 38.7K engagements
"$sofi MORE ON POSSIBLE INCLUSION HOW MANY SOFI SHARES NEED TO BE PURCHASED ON SP [---] INCLUSION PER GROK SoFi Technologies (SOFI) were added to the S&P [---] passive index funds and ETFs tracking the index would need to buy shares to reflect its weighting in the benchmark. Here's a step-by-step explanation of how to estimate the number of shares purchased based on current data as of early February 2026: [--]. Determine SOFI's float-adjusted market cap: This is the value used for index weighting. SOFI has approximately [----] billion float shares (publicly available shares excluding locked-up or"
X Link 2026-02-01T19:56Z [----] followers, 27.8K engagements
"This has got to be the most uninformed post on accounting I've ever seen. There's a reason accounting rules highlight one time benefits and exclude them for comparison purposes. The real enlightment did be that the eps this year grew so much (after paying tax) compared to earlier periods where the eps was without tax because of prior tax carryover offsets. https://twitter.com/i/web/status/2018118670665547779 https://twitter.com/i/web/status/2018118670665547779"
X Link 2026-02-02T00:26Z [----] followers, [----] engagements
"It would be a valid point if A. They will hold the cash without investing it in new products B. They aren't making any additional eps from using that cash as capital ratio for more loans C. They aren't making any return on the cash enough to offset the share dilution D. That cash capital raise didn't give them a significant jump in tangible book value which then puts them under the average tbv for companies in the Sp500 helping them with possible Sp [---] inclusion E. the cash didn't show then to pay off ask remaining warehouse debt which not only increases eps going forward but also protects"
X Link 2026-02-03T00:20Z [----] followers, 11.1K engagements
"I only focus on their guides that have always improved upon and they are guiding 38% to 42% annual growth in EPS Their guide for [----] was originally 25-26 cents and they hit [--] cents. So take what you think they will actually make and apply the 40% average eps growth to see what eps will be in [----]. Here's my guess based on my model 2026.$.74 2027.$1.04 2028.$1.45 Projected [----] guide [----] x [---] (dropping to 30% growth) = $1.89 Multiply that by a PE multiple consistent for that growth (about 50) and you can project an eoy price [----] of roughly $94.50 That's 330% growth in less than [--] years"
X Link 2026-02-03T00:44Z [----] followers, 17.4K engagements
"$sofi My response to why holding cash is not necessarily dilutive. see below @bryanaat @Flobert77324715 @anthonynoto It would be a valid point if A. They will hold the cash without investing it in new products B. They aren't making any additional eps from using that cash as capital ratio for more loans C. They aren't making any return on the cash enough to offset the share dilution D. That cash @bryanaat @Flobert77324715 @anthonynoto It would be a valid point if A. They will hold the cash without investing it in new products B. They aren't making any additional eps from using that cash as"
X Link 2026-02-03T01:02Z [----] followers, [----] engagements
"$sofi Here's another response on Sofi's guide and a little wealth management example to consider. Only my opinion Not investment or wealth management advice. Here's a thought. if you keep chasing 100% returns in a short time you will make a lot of mistakes. It's like taking a cake out of the oven every [--] minutesand looking at it. just let it bake @bryanaat @Flobert77324715 @anthonynoto I only focus on their guides that have always improved upon and they are guiding 38% to 42% annual growth in EPS Their guide for [----] was originally 25-26 cents and they hit [--] cents. So take what you think"
X Link 2026-02-03T01:07Z [----] followers, 15.1K engagements
"@elgoibarj Read this again https://x.com/i/status/2018479779494977644 @bryanaat @Flobert77324715 @anthonynoto It would be a valid point if A. They will hold the cash without investing it in new products B. They aren't making any additional eps from using that cash as capital ratio for more loans C. They aren't making any return on the cash enough to offset the share dilution D. That cash https://x.com/i/status/2018479779494977644 @bryanaat @Flobert77324715 @anthonynoto It would be a valid point if A. They will hold the cash without investing it in new products B. They aren't making any"
X Link 2026-02-03T01:09Z [----] followers, [---] engagements
"Sp [---] isn't considered tech fintech crypto or growth People invested in sp [---] generally aren't the she people in good silver crypto or growthfur that matter. Right now it's the leverage in gold since Crypto etc that is forcing investors not only to liquidate those buildings but then they sell some of the other stocks they own. Which has a lot of overlap with sofi I said last week the next two weeks would be nasty"
X Link 2026-02-03T01:14Z [----] followers, [---] engagements
"@WinnerInvestor @bryanaat @Flobert77324715 @anthonynoto Also people are fearful so they shift to sp [---] funds"
X Link 2026-02-03T01:14Z [----] followers, [--] engagements
"@Lets_Make_It_2 @bryanaat @Flobert77324715 @anthonynoto Lol you don't remember when we were at 7"
X Link 2026-02-03T01:15Z [----] followers, [---] engagements
"@sarubactam @WinnerInvestor @bryanaat @Flobert77324715 @anthonynoto I did a post on it.I dont believe in technical analysis but so many People do that it actually is relevant in the short term That being said if macro calms down its not going to 18"
X Link 2026-02-03T01:19Z [----] followers, [--] engagements
"@WinnerInvestor @bryanaat @Flobert77324715 @anthonynoto Now we're a tech/crypto company Warsh isn't going to do anything except lower rates a bit until after midterms He will be working on deficit reduction with Bessant This is just wall street doing what wall street and algos do. profit on fear"
X Link 2026-02-03T01:22Z [----] followers, [---] engagements
"@Lets_Make_It_2 @bryanaat @Flobert77324715 @anthonynoto Doesn't it have to on March 6th since it's my birthday"
X Link 2026-02-03T01:27Z [----] followers, [---] engagements
"@martonhorvath @Kenmegan44 @bryanaat @Flobert77324715 @anthonynoto It's part of diversification and you sold manage the premiums or you can invest in others. and you don't have any tax until expiration"
X Link 2026-02-03T07:19Z [----] followers, [---] engagements
"@B82143748 @anthonynoto @Kross_Roads Not likely"
X Link 2026-02-03T14:12Z [----] followers, [----] engagements
"$PayPal $sofi I sold PayPal last summer at $74 for [--] reasons First they were reorganizing and I knew that would take at least [--] to [--] months to effect a turn around. Second. They're biggest business is a legacy payment business that makes money on payments and with stablecoin competition in the future iIt would be difficult for them to adopt or change to stablecoins without cannibalism of their own business. Not unlike big banks competing with Sofi on giving interest on deposits That is a problem that is difficult and takes a long time to overcome. Now they have made another management l"
X Link 2026-02-03T16:28Z [----] followers, 10.3K engagements
"$sofi FURTHER ON SOFI PRICE ACTION It's going to trend down if the entire market trends down. and there's this Last month. "I'm holding for [--] years" This month after the best earnings ever and set up for the future JAN [----] [----] high Omg its crashing JAN [----] [-----] high Omg its crashing JAN [----] [-----] Omg its crashing Everything's getting better [----] took to August to come back [----] took to July 1st to come [----] make your bets But [----] may have sp500 inclusion as a catalyst Wall Street didn't like 1st quarter guides which have to be conservative because a bunch of costs get incurred in 1st"
X Link 2026-02-03T19:36Z [----] followers, 16.3K engagements
"@mrtnt52 The real issue for me is if it drops further I usually only buy stock but it might be the right move at some point to sell a chunk and roll it over into leaps.I just haven't looked at the premiums closelyand kind of don't want to track it"
X Link 2026-02-03T19:43Z [----] followers, [---] engagements
"$sofi They're looking at the wrong metric. They need to also look at the profit projection of 38%-42% growth per year You've heard the saying you can't make money without spending money and your shouldn't have a lot of debt. Well that's what Sofi is doing About having more flow to the bottom line. last year they guided [--] cents and hit [--] cents (even after proportional dilution) You might attribute that to sandbagging but I attribute that to them working their ass off during the year to exceed expectations. I think they have earned some shareholder trust (Which i think I say every year)"
X Link 2026-02-03T20:35Z [----] followers, [---] engagements
"$sofi MY WEEKLY BUY"
X Link 2026-02-03T21:21Z [----] followers, 10.6K engagements
"@Lets_Make_It_2 If you look at the company's assets products and income where it was at $7 a share and look at it not at $21 so would conclude with over $4 billion in cash and no debt that is not a better buy But you may be just fine owning what you own and waiting. that's perfectly fine"
X Link 2026-02-03T22:04Z [----] followers, [---] engagements
"@Lets_Make_It_2 At 74% you're probably good just to hold"
X Link 2026-02-03T23:09Z [----] followers, [--] engagements
"It will come back strong later this year but period still chasing gold and silver up and the sales by whales and I think a desire by China and others who don't want crypto and stablecoins to be the new US currency world order. They will lose that battle But if i was in the battle I'd just hold. so that's what Im doing Just my opinion https://twitter.com/i/web/status/2018852756543680592 https://twitter.com/i/web/status/2018852756543680592"
X Link 2026-02-04T01:03Z [----] followers, [--] engagements
"@art__oganesyan Not selling calls now maybe at [--] or higher. then I'll do a more complicated call strategy"
X Link 2026-02-04T03:18Z [----] followers, [---] engagements
"@kylewhitegoat We bull way too expensive . would be over $5.5 billion and not 100% consistent with brand Etoro not geographically matched so not runing on the same treadmill at the same time Now if webull was $1.5 billion.hmmmn"
X Link 2026-02-04T03:45Z [----] followers, [----] engagements
"@AITechAndInvest @art__oganesyan Yes I think 45s are very low probability"
X Link 2026-02-04T04:21Z [----] followers, [---] engagements
"Yes you are wrong. They will be spending so much on r&d and other expenses that can now be accelerated for tax purposes and also can be eligible for r&d tax credits. Banks and financial institutions can claim R&D tax credits for developing or improving software such as mobile banking apps cybersecurity enhancements automated processes and bespoke in-house systems. That also applies to machinery and software that get 100% bonus depreciation. I would guess that their overall tax rate for the year and it's just a random gues will probsbly be closer to 7-10 percent. This process relies on Sofi"
X Link 2026-02-05T00:14Z [----] followers, [--] engagements
"Oh. well they do set the overall effective state tax rate they expect at the beginning of year. but while mid teens is good I'm sure that estimate may be about 4%-5% high. Why Because they likely will spend more on those tax preferred categories Then need with the Asians fur state tax Utah [---] % Tennessee 6.5% California 8.84%. lots of planning opportunities moving expenses to Utah etc https://twitter.com/i/web/status/2019212740267835502 https://twitter.com/i/web/status/2019212740267835502"
X Link 2026-02-05T00:53Z [----] followers, [--] engagements
"$sofi That all depends on what happens with the stock price and the overall market between now and march 6th. I said in a previous post before this recent drop that it would kind of drift between [--] to [--] probably until next earnings. So whatever the price is towards the end of this month it should have a bit of a run before that inclusion decision. It's looking pretty good for inclusion but if it runs up a lot and doesn't get in you'll probably lose that run up and a bit more because of the disappointment. If it doesnt run up to that decision it may fall a bit but still could drift into"
X Link 2026-02-05T03:45Z [----] followers, [---] engagements
"$sofi Here's my initiation of Insider @insiderinvests Holy Shit Sofi is going into prediction markets. https://x.com/i/status/2019254900346220715 @LizThomasStrat @fundstrat Two lines that stood out from our live recording of The Important Part with @LizThomasStrat Tom Lee (@fundstrat) & Michael Lewis: 🔮 Prediction markets are really useful actually the closest thing to a crystal ball. 🌍 Its very important for investors to have a broad https://x.com/i/status/2019254900346220715 @LizThomasStrat @fundstrat Two lines that stood out from our live recording of The Important Part with"
X Link 2026-02-05T05:37Z [----] followers, 31K engagements
"@GovPressOffice @CAgovernor I would love to audit the project"
X Link 2026-02-05T05:52Z [----] followers, [---] engagements
"@fabio_bassini @CS108108 Which part"
X Link 2026-02-05T07:46Z [----] followers, [--] engagements
"In the first part has been in the news and I know some hedge fund guys and I think there was an article today. The hedge funds had made $24 billion shorting recently period. The last sentence was based on my research of what ethereum whales were selling and combining that with the hedge funds that are jumping on also. A combination of that research and my opinion https://twitter.com/i/web/status/2019320322185470021 https://twitter.com/i/web/status/2019320322185470021"
X Link 2026-02-05T08:00Z [----] followers, [--] engagements
"It may be. it's a lot of institutional selling and hedge fund shorting though. This is why I said last week it could get nasty. The rampant speculation in gold silver hit crypto hard and then AI also had a lot of speculation that it wouldn't be successful for a longer time then they simultaneously say it will be so successful it soon that software companies are at risk because it can do some basic legal research and contract review. Was a perfect set up for airing the biggest leveraged plays and it's hitting the entire market. I was up all night with my son who is sick so I'll sit out and"
X Link 2026-02-05T15:28Z [----] followers, [--] engagements
"@KTinTaiwan @anthonynoto @B82143748 @Kross_Roads That decision isn't until the last day of February's market cap"
X Link 2026-02-05T15:46Z [----] followers, [--] engagements
"@johnberchick [--] by next January . i don't see that as a problem lol"
X Link 2026-02-05T15:52Z [----] followers, [--] engagements
"It's actually a bit more complicated. the committee looks at alot of data in making their decision such as the [--] month average market cap they also look at the last day of the month before inclusion decisions but the qualification of the market cap also must be made. S&P 500:The "evaluation date" for determining if a company meets all eligibility criteria (including market cap) is typically theopen of trading two business days priorto the announcement date. Announcements usually happen on thesecond Fridayof the rebalance month making the determination date roughlytwo weeks beforethe effective"
X Link 2026-02-05T15:59Z [----] followers, [--] engagements
"Think long term. But if you have any hiccups in lpb sales. you have capital ratio to hold those loans and weather the storm. People without a background in restructuring or capital markets or any experience managing a large public company should think before they talk. Noto and his team had like 1000x the experience and we have guys who have very little experience or maybe ran a flower shop giving advice because they want to get rich quicker https://twitter.com/i/web/status/2019484997154111558 https://twitter.com/i/web/status/2019484997154111558"
X Link 2026-02-05T18:55Z [----] followers, [---] engagements
"@FirstSquawk @grok what started it"
X Link 2026-02-05T20:06Z [----] followers, [----] engagements
"No wife and no kids.a lot easier lol I never use margin on the way down. to net it's s comparison between the cost of margin and premiums for options. Margin is tricky for most people even on the way up because they over use margin. meaning they can't pay the margin instead currently and few months of sideways you end up with a ton of margin and risk. Margin is generally cheaper than options but options don't compound. So if prefer not to use more than 10-15% margin and pay the interest each month and part of the principal. DON'T USE IT LIKE A CREDIT CARD"
X Link 2026-02-05T23:51Z [----] followers, [---] engagements
"@JoeyTphilly That's my opinion too"
X Link 2026-02-06T01:27Z [----] followers, [---] engagements
"@Lets_Make_It_2 I'm sure they will comment on it soon"
X Link 2026-02-06T01:43Z [----] followers, [---] engagements
"$sofi Good find by @johnberchick --'the first investor relations report to shareholders on the use of the capital proceeds. FYI @Tim_Sweeney_TAR $sofi https://t.co/iLernDghLX FYI @Tim_Sweeney_TAR $sofi https://t.co/iLernDghLX"
X Link 2026-02-06T12:07Z [----] followers, 15.6K engagements
"$sofi Great idea. Now I may be put out of business with my analysis and explanations of what they are doing lol Compare https://x.com/i/status/2017463762480198052 As we enter [----] @SoFi's mission and vision for the future are attracting more interest than ever before. Thats why we are excited to share our first Investor Relations Spotlight: providing more context on our recent capital raises. Well share these from time to time and look https://x.com/i/status/2017463762480198052 As we enter [----] @SoFi's mission and vision for the future are attracting more interest than ever before. Thats why"
X Link 2026-02-07T00:17Z [----] followers, 10.3K engagements
"@Mike5starLife @anthonynoto @realDonaldTrump @amitisinvesting Ok I thought maybe I was getting dementia or my typos AI was posting without me 😆"
X Link 2026-02-07T00:29Z [----] followers, [---] engagements
"$sofi Some people ask if I could explain Noto's discussion at the end of Tannor and Tevis podcast about valuation. Here's a more detailed explanation on the the theme in case you missed it at the time. It's long but educational $sofi @anthonynoto BANK OF AMERICA'S OWN VALUATION LEADING TO A DOWNGRADE SUGGESTS THAT SOFI'S TARGET STOCK PRICES SHOULD BE [----] - $13.52 TO $18.99 [----]. $31.89 TO $44.73 [----]. $50.25 to $70.56 This will be another longer post regarding valuation. I'll critique the B of $sofi @anthonynoto BANK OF AMERICA'S OWN VALUATION LEADING TO A DOWNGRADE SUGGESTS THAT SOFI'S"
X Link 2026-02-07T01:33Z [----] followers, 17.2K engagements
"$sofi WHAT DID NOTO MEAN BY SOFI+ NEEDS A HOOK I've got this question a few times. It's discussed at 31:20 on the podcast. He's talking about what I call the "Primary Value Motivator" the part of a package deal that's the primary motivator to sign up and pay every month because it's used so often that the value makes it an essential purchase. For Costco it's the annual fee that gets you access to the Primary Motivator-- lower prices. But then they add travel tires tickets etc. Custoners accept the annual fee and never even think about not paying it. In Noto's example he uses Amazon prime. The"
X Link 2026-02-07T04:35Z [----] followers, [----] engagements
"Thee are all good benefits and Chase and American Express for example have numerous cards where one or more of these benefits are the hook or identity of the card. Sofi imo. Can't go into the market offering like [--] different cards. They have to choose a card identity to market the main benefit and then they can add other benefits within the subscription. American Express Black - concierge and travel Robinhood Gold - 3% cash back Sofi has to choose it's hook/ identity to appeal to a range of young people starting out and young professionals first. but it must also appeal to guys like me. They"
X Link 2026-02-07T18:39Z [----] followers, [--] engagements
"@WinnerInvestor @insiderinvests I guess if you have shares and you margin lots if you're do underwater and will get assigned just sell your other shares"
X Link 2026-02-08T03:58Z [----] followers, [--] engagements
"$sofi Margin in a Downturn This is difficult subject because most retail investors should not use margin. AGAIN SHOULD NOT USE MARGIN. I am not your investment advisor and this is not investment advice. BUT I WILL SHOW YOU HOW PLANNING COULD SAVE YOU MONEY AND WHY NO MARGIN IS BETTER. When you have margin and you don't have a financial advisor or a plan you are asking for problems. The first problem is you could easily get liquidated in a short downturn and not only lose your ability to profit from your stock positions but you could lose permanently a large portion of your portfolio. The"
X Link 2026-02-08T07:22Z [----] followers, [---] engagements
"$sofi Margin in a Downturn This is difficult subject because most retail investors should not use margin. AGAIN SHOULD NOT USE MARGIN. I am not your investment advisor and this is not investment advice. BUT I WILL SHOW YOU HOW PLANNING COULD SAVE YOU MONEY AND WHY NO MARGIN IS BETTER. When you have margin and you don't have a financial advisor or a plan you are asking for problems. The first problem is you could easily get liquidated in a short downturn and not only lose your ability to profit from your stock positions but you could lose permanently a large portion of your portfolio. The"
X Link 2026-02-08T07:35Z [----] followers, [----] engagements
"@B82143748 @Kross_Roads @iseelightnow @Futurenvesting @FunOfInvesting @DataDInvesting I think they did"
X Link 2026-02-08T19:53Z [----] followers, [--] engagements
"@aveer30 @Mr_Derivatives @anthonynoto @DataDInvesting Try getting a gold card"
X Link 2026-02-09T04:21Z [----] followers, [--] engagements
"@aveer30 @Mr_Derivatives @anthonynoto @DataDInvesting I'm going to do a gage at comparing hood and my ideas"
X Link 2026-02-09T04:22Z [----] followers, [--] engagements
"@aveer30 @Mr_Derivatives @anthonynoto @DataDInvesting Fake ad lol"
X Link 2026-02-09T04:26Z [----] followers, [--] engagements
"@aveer30 @Mr_Derivatives @anthonynoto @DataDInvesting Yes but there's [--] to [--] million people on wait list. and I'll bet they only give then to kettle who trade heavily or who have tons of assets The hooks are both loss leaders"
X Link 2026-02-09T04:40Z [----] followers, [--] engagements
"@aveer30 @Mr_Derivatives @anthonynoto @DataDInvesting I do use that as an example though In my post"
X Link 2026-02-09T04:40Z [----] followers, [--] engagements
"Pay tuition with s summer job but a house by house at [--] Wait shit that didn't happen for $100 Alex No shoes cheaper that $150. no phone chair than $1000 $100000 student debt for an unmarketable degree The are called choices not necessities Work [--] years in a job before you complain https://twitter.com/i/web/status/2020764365327323430 https://twitter.com/i/web/status/2020764365327323430"
X Link 2026-02-09T07:39Z [----] followers, [----] engagements
"@WinnerInvestor @VadimKotlarov @Frugalbuck Yes if it gets big enough.hmmmn"
X Link 2026-02-10T01:12Z [----] followers, [---] engagements
"$sofi SOFI'S TROJAN HORSE HINT [---] SEE HINT [---] FIRST In summary there are very few ways we can cheaply refinance the $38 trillion deficit. If you require all stablecoins to be invested in mostly short term treasuries you can get maybe $4 trillion of stablecoin market cap by say [----]. With a $38 trillion deficit that's not much. But there's $30 + trillion of short term treasuries worldwide. What if stablecoins expanded into foreign countries. Could that happen El Salvador uses bitcoin right. Central and South America have gratitude the most volatile currencies and they do substation business"
X Link 2026-02-10T01:47Z [----] followers, [---] engagements
"SURE DOESN'T LOOK JUST LIKE PAYMENTS TO RELATIVES SUMMARY Note embed stablecoins into the Latin American banks In [----] SoFi leverages its U.S. national bank charter to deploySoFiUSDas a regulated settlement layer for Latin American businesses. By using this stablecoin companies in volatile regions can bypass high-inflation local currencies and hold "digital dollars" protecting their profit margins from devaluation and providing a stable asset for international trade. Through its subsidiariesGalileo and Technisys SoFi embeds this infrastructure directly into regional banks to create a"
X Link 2026-02-10T01:50Z [----] followers, [---] engagements
"@Frugalbuck Don't get ahead of me. but not "totally" correct but hmmmn"
X Link 2026-02-09T19:51Z [----] followers, [---] engagements
"@Frugalbuck @WinnerInvestor @VadimKotlarov Have patience"
X Link 2026-02-10T01:51Z [----] followers, [--] engagements
"@WinnerInvestor @Frugalbuck See it's getting more interesting right"
X Link 2026-02-10T02:41Z [----] followers, [--] engagements
"$sofi @anthonynoto BANK OF AMERICA'S OWN VALUATION LEADING TO A DOWNGRADE SUGGESTS THAT SOFI'S TARGET STOCK PRICES SHOULD BE [----] - $13.52 TO $18.99 [----]. $31.89 TO $44.73 [----]. $50.25 to $70.56 This will be another longer post regarding valuation. I'll critique the B of A valuation in another post for internal consistency and methodology. This post will be a test of their valuation taking into growth based on B of A's own projections for Sofi. Let's summarize a little background information. Background Information On TBV Back on November 1st I posted the information below discussing in"
X Link 2024-12-10T04:58Z [----] followers, 85.4K engagements
"$sofi News on sp [---] Yes S&P Dow Jones Indices announced today (November [--] 2025) that SanDisk Corporation (NASDAQ: SNDK) will join the S&P [---] index replacing The Interpublic Group of Companies Inc. (NYSE: IPG). The change is effective prior to the opening of trading on Friday November [--] [----]. https://twitter.com/i/web/status/1993087953850319215 https://twitter.com/i/web/status/1993087953850319215"
X Link 2025-11-24T22:42Z [----] followers, 40.3K engagements
"$sofi EPS CLASS Just a little reminder about eps guidance Sofi's guidance has continued to be $.55 to $.80 eps for [----]. However that was before about 17% dilution in shares from the [--] capital raises. If you had the same dollar earnings range accounting for the dilution the range would be about $.47 to $.68 eps. I think they will probably hit about $.74+ in [----]. It's hard to nail down to a precise range for me because of so many catalysts so much investment and estimating how soon those investments pay off. But the increase in expenses in [----] for all the product development and new hiring"
X Link 2026-01-29T06:59Z [----] followers, 18K engagements
"$sofi WTF IS HAPPENING WITH THE THE MARKET AND SOFI About a week ago I said the market would be nasty for at least [--] weeks. It's actually a bit worse then I thought it would be This relates to uncertainty about Trump nominating Warsh which makes it uncertain if he will want QT and what happens to interest rates. But this is also about leverage in crypto and gold and overnight AI trade. The blow up of that leverage causes not only the selling of those names but also anything connected with leverage. All those 2x to 5x leveraged etfs are forced to sell a portion of all their stock holdings."
X Link 2026-02-05T23:13Z [----] followers, 21.4K engagements
"$sofi SOFI'S TROJAN HORSE (Fresh Horses We Ride) HINT #2 In early [----] Janet Yellen could have refinanced the federal debt with [--] year bonds at a low of 1.6%. By not locking in the 1.6% rate on $20 trillion the government has essentially committed to an extra $420 billion in annual spending that provides no services builds no infrastructure and provides no defenseit's just the cost of higher interest. So --Locked-in 30-Year Bond (1.6%) --Current Rolling/New Debt (3.7% Avg) --Annual Interest Expense$320 Billion vs $740 Billion --Annual Cash Flow Lossof $420 Billion --25-Year Total"
X Link 2026-02-09T23:09Z [----] followers, 17.7K engagements
"@Frugalbuck Have you looked closely at Sofi's recent hiring Check out posts by @VadimKotlarov"
X Link 2026-02-09T23:40Z [----] followers, [---] engagements
"$sofi Not backed technically. The GENIUS Act requires that stablecoin issuers back their assets 1:1 with high-quality liquid assets which include US dollars deposits and short-term US Treasury obligations. The legislation mandates that these reserves be segregated from operating funds and verified monthly to ensure stability. Key details regarding the [----] GENIUS Act: Reserve Requirements: 100% backing is required using cash U.S. Treasury bills or other approved liquid assets. But. Noto has explicitly stated that its stablecoin SoFiUSD would be and is backed by cash reserves held directly in"
X Link 2026-02-10T00:57Z [----] followers, [---] engagements
"@aveer30 @RobinhoodApp @vladtenev @anthonynoto @DataDInvesting Since October [--] [----] until today. Sofi down 17% Hood down 43%. That's pretty good velocity"
X Link 2026-02-11T01:36Z [----] followers, [---] engagements
"$sofi MY PROFILE A few people have asked me to post my career background. I will pin this post because I don't want to lose my blue check mark. University of Illinois - BS Accounting -Highest Honors Elijah Watt Sells Award - top [--] out of [-----] ON THE May [----] CPA EXAM University of Michigan - Accounting Instructor - Highest Student Rated Teacher at the University [--] years University of Michigan Law School - Cum Laude Pillsbury Winthrop (Major Law Firm) - Corporate and Tax Partner Deloitte (Major Accounting Firm)- Senior Partner - Office of the Chairmen Clients Wealth Management Firm -"
X Link 2025-01-31T05:14Z [----] followers, 81K engagements
"$sofi One of the fresh horses that Sofi can ride to success. Maybe I'll have more on this later lol"
X Link 2026-02-08T19:03Z [----] followers, 17.2K engagements
"$sofi HINT [---] VADIM GIVING AWAY MY FUTURE HINTS $sofi SOFI'S TROJAN HORSE (Fresh Horses We Ride) HINT #2 In early [----] Janet Yellen could have refinanced the federal debt with [--] year bonds at a low of 1.6%. By not locking in the 1.6% rate on $20 trillion the government has essentially committed to an extra $420 billion $sofi SOFI'S TROJAN HORSE (Fresh Horses We Ride) HINT #2 In early [----] Janet Yellen could have refinanced the federal debt with [--] year bonds at a low of 1.6%. By not locking in the 1.6% rate on $20 trillion the government has essentially committed to an extra $420 billion"
X Link 2026-02-10T00:59Z [----] followers, 10.3K engagements
"$sofi SOFI'S TROJAN HORSE HINT [---] SEE HINT [---] FIRST In summary there are very few ways we can cheaply refinance the $38 trillion deficit. If you require all stablecoins to be invested in mostly short term treasuries you can get maybe $4 trillion of stablecoin market cap by say [----]. With a $38 trillion deficit that's not much. But there's $30 + trillion of short term treasuries worldwide. What if stablecoins expanded into foreign countries. Could that happen El Salvador uses bitcoin right. Central and South America have some of the most volatile currencies and they do substantial business"
X Link 2026-02-10T02:27Z [----] followers, 21.4K engagements
"SURE DOESN'T LOOK JUST LIKE PAYMENTS TO RELATIVES SUMMARY Note embed stablecoins into the Latin American banks In [----] SoFi leverages its U.S. national bank charter to deploySoFiUSDas a regulated settlement layer for Latin American businesses. By using this stablecoin companies in volatile regions can bypass high-inflation local currencies and hold "digital dollars" protecting their profit margins from devaluation and providing a stable asset for international trade. Through its subsidiariesGalileo and Technisys SoFi embeds this infrastructure directly into regional banks to create a"
X Link 2026-02-10T02:28Z [----] followers, [----] engagements
"$sofi SOFI'S TROJAN HORSE HINT [---] SO WHERE ARE WE NOW ---The Government needs to find a way to reduce the interest costs of the deficit and maintain the US dominance as the leading currency. ---Janet Yellen missed an opportunity to save $6 trillion in interest by not refinancing the deficit with longer term treasury bonds in [----]. ---One means of managing the deficit is for the stablecoin system to be developed on a national or worldwide basis. Because the Genius Act requires issuers of stablecoins to hold $1 in short term safe investments for every $1 of stable coins issued the vast"
X Link 2026-02-11T03:42Z [----] followers, 14K engagements
"@WinnerInvestor It's supposed up me lower but longer term won't matter imo We may get a bit of a run into sp [---] day"
X Link 2026-02-11T22:46Z [----] followers, [--] engagements
"@WinnerInvestor @BrianKonczyk All those are crypto related and have been falling for several months"
X Link 2026-02-12T01:04Z [----] followers, [--] engagements
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/creator/twitter::Tim_Sweeney_TAR