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![ThetaBanking Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1873199867574521856.png) Theta Capital | Time is Money [@ThetaBanking](/creator/twitter/ThetaBanking) on x XXX followers
Created: 2025-07-16 00:36:17 UTC

Morningstar’s view:

⭐ $SOFI is overvalued
⭐ Needs multi-product adoption to build sticky users
⭐ Faces intense competition from $PYPL $SQ $NU $ALLY $SYF $UPST $AFRM

Are you buying $SOFI at these levels?

Or betting on $PYPL, $NU, $UPST, or $AFRM instead?


XXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1945281298257351010/c:line.svg)

**Related Topics**
[betting](/topic/betting)
[$ally](/topic/$ally)
[$nu](/topic/$nu)
[$sq](/topic/$sq)
[$pypl](/topic/$pypl)
[$sofi](/topic/$sofi)
[money](/topic/money)
[theta](/topic/theta)

[Post Link](https://x.com/ThetaBanking/status/1945281298257351010)