Bros, $Tesla(TSLA.US) is still falling so much today! Seems like it's over. $NVIDIA(NVDA.US) that's all. $Apple Inc.(AAPL.US) stabilized at 55, going strong tonight!

🚀📈 $SoFi Tech(SOFI.US) = $35+ is not an emotional judgment, but the result of model simulation.

I have always believed that $SoFi Tech(SOFI.US) is severely undervalued by the market, not because the data isn't good enough, but because too many people are still viewing it through the old framework of a "bank."

First, let's look at a few facts that have already occurred and are still expanding.

As of now, $SoFi Tech(SOFI.US)'s member count has reached 13.6 million, with approximately 1 million new members added steadily each quarter.
This is not a one-time bonus, but a well-oiled customer acquisition flywheel.

On the core business side, loan origination volume grew 57% year-over-year.
In the current interest rate environment, this growth rate itself indicates:
$SoFi Tech(SOFI.US) is attracting not marginal users, but people with real financial needs and credit potential.

At the same time, the company is entering the retail cryptocurrency space and has clearly expressed long-term interest in the SofiUSD stablecoin.
This step is not chasing a trend, but completing a key piece of the puzzle—a closed loop of accounts, payments, assets, and liquidity.

But what the market truly overlooks is this last point.

$SoFi Tech(SOFI.US) has disclosed multiple times:
Over $100 billion in loan applications are rejected by the traditional system annually.
About 25% of these belong to the "near prime" population—
not bad customers, just "not perfect enough."

This is precisely $SoFi Tech(SOFI.US)'s main battlefield.

If $SoFi Tech(SOFI.US) can, through its Loan Platform Business,
introduce $25 billion in funds from credit investors,
what does that mean, calculated at a 4% take-rate?

👉 Annualized revenue in the billions of dollars.

And this is a light-asset, platform-based, replicable revenue source,
not reliant on leverage or cyclical bets.

Putting this line into the model, many "seemingly optimistic" forecasts actually start to look conservative.

This is also why I say that $SoFi Tech(SOFI.US)'s breakout is likely not "gradual quarter-by-quarter improvement,"
but at a certain point, directly lifting analyst expectations as a whole.

While the market is still fixated on short-term profit timing,
the real variables have been quietly accumulating in member growth, credit platformization, and financial infrastructure restructuring.

📬 I will continue to share my judgment path for platform-type financial companies like $SoFi Tech(SOFI.US), and how I assess their pricing misalignments before key inflection points.
If you are also looking for long-term opportunities that could span multiple cycles, feel free to subscribe.

$SoFi Tech(SOFI.US)
#Fintech
#DigitalBanking
#Lending
#Crypto
#Stablecoin