$SoFi Tech(SOFI.US) SoFi carries well-scrutinized native flaws, yet in H2 2025 the stock briefly surged to a $42bn market cap, implying a 12M fwd EV/EBITDA north of 30x, ahead of many high-growth fintech peers. Even after two follow-on offerings and meaningful dilution that drove a sharp pullback, today’s ~$23bn market cap still trades at a premium vs. traditional financials. The private student loan market is expected to grow, fueled by policy shifts, while personal loans are targeted by high-demand debt consolidation. Yet, the stock may not have bottomed out based on technicals. I started buying the dips when it corrected from $30, thinking that a short term bounce can lead to some profit. However, the hype train has left, leaving me stranded with dca-ing my cost down. @Bridge Buzz SG