저자: Kyle · 외국인
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SoFi 주가 변동성은 거시 환경보다 수익성(EPS 확장)이 핵심이며, 2025년 전체연도 흑자 전환이 임박했다고 주장. 회원수는 2019년 100만명에서 2025년 1400만명으로 성장 전망, 2026년 EPS 0.80달러 가이던스를 근거로 기술 하이브리드 멀티플 재평가 가능성 제시. Amazon 2003년 사례를 들어 장기 강세 논리를 전개하고, 목표가 45~75달러를 언급. 단기 금리 인하 횟수 논쟁은 무의미하다고 주장.
다듬은 글
what's going on guys it's Kyle welcome to the stock goat YouTube channel in today's video we are going to be covering the Sofi stock volatility is starting to rise inside of the market and people are so worried about the macro environment tell me this right now would you invest your entire life savings on whether or not the FED is going to cut rates one time next year or two times next year or zero times next year you probably wouldn't invest your life savings off of a small call like that so stop trying to time the market and worry about what you cannot control what you can control is looking for companies that are going to dominate 2025 in any macro environment well good news for you guys that company will be Sofi if you listen to the CEO and you listen to the management these guys said that they have wind at their back heading into 2025 we've already got a couple rate Cuts in the back half of 2024 those rate cuts are going to take a while to work its way you know through the economy I'm telling you right now guys Sofi is going to be growing faster than 2024 last year inside of 2025 guys I think we are going to see over 30% growth in 2025 guys this is going to be an incredible year and I'm telling you right now A lot of people are just you know looking at charts and stuff like that looking at volumes you need to be looking at profitability that is the key metric that is going to get this stock moving okay we just hit four quarters in a row of profitability that was an amazing Milestone but because of the timing that they had their first quarter of profitability we have another Milestone we are about to hit in the next 16 days guys and that is full year profitability Sofi has never hit this metric inside of the company's existence we are about to hit the First full year of profitability guys this is going to be an amazing metric you're going to see institutional ownership continue to Skyrocket and if you just look at some of the greatest investors of all time like Peter Lynch these guys know how stocks go up and stocks go up through EPS expansion and profitability and that is what Sofi is now entering after gaining massive scale guys there is a possibility that Sofi is going to take members from 1 million in 2019 to 14 million in 2025 growing members by 14x in as little as you know 6 years guys this is incredible how fast this company has gained scale and now they are about to drop all of that to the bottom line and if you follow the Peter Lynch metrics of just seeing EPS expansion just like he saw in a company back in the day cocacola guys I'm telling you right now waiting till you see what type of levels that the Sofi stock could hit over the next couple of years we're not talking 20 years out we're not talking 10 years out we're not talking five years out guys in as little as three years you're going to see a rapid multiple expansion in the Sofi stock because analyst on Wall Street do not believe the EPS that s has put out for their 2026 guidance which I personally believe that they will also beat that number so while analysts are behind all you have to do is believe in the management believe in the company and you are going to see this stock have a rapid expansion extremely quickly so a lot of you guys see me throwing out these price targets of $45 Management's Max bonus compensation Anthony notto will achieve $300 million and also the $75 level which you will see if Galileo technices you know start to land top 10 Legacy Bank whales okay you see me throwing out these price targets but I want you guys to see that these price targets can actually happen if sui just fulfills what they said that they were going to fulfill guys which is that 80 cents EPS in 2026 and also becoming the AWS of fintech following the exact Amazon blueprint of having a retail business and also a software business guys we are going after that banking as a service on top of being a fully Chartered Bank guys we are going to get that Tech hybrid multiple which is going to get this stock movement so guys we are getting closer and closer to these earnings you continue to see macro shaking up the markets guys I'm telling you right now the smoke is going to clear I hope you guys aren't timing the market to a te because you're going to miss it when the big institutional whales decide to start pumping the markets once again guys I'm telling you right now we got a great video for you be sure to smash the like button drop a comment don't forget to subscribe to the channel we're going to be keeping you updated daily let's get into the video all right guys since we are inside of 2025 I'm going to give you guys a 2025 metric that I'm watching take a look at this I believe the market is still far behind on sofi's true dominance look at this guys 2019 members 1 million I believe in 2025 we're going to hit 14 million members do you see what Anthony notto is building behind the scenes the market is not catching on because the market is only watching profitability right now but with the scale that Sofi has we are about to enter the profitability EPS expansion which is going to cause this stock to explode beyond your imagination in 2025 and specifically 2026 these are the years that we were entering the EPS expansion stage now take a look at this guys we have heard heard Anthony notto continue to say hey we want to be the AWS of fintech we're copying the Amazon blueprint that is awesome and I believe they're going to achieve that when Galo technicist lands a top 10 banking institution Legacy banking institution and look at this guys look at this scale that Sofi was doing just like Amazon back in the day okay buying Sofi today is like buying Amazon in 2003 before Amazon 200x so if you do a 200x from where Amazon's trading at right now Amazon right here was trading at about $10 billion in 2003 and so far right here in uh 2024 it's trading at about 15 billion so these companies are very very close on top of the profitability that you're seeing right now so 2020 we lost 200 million we lost 500 million 300 million 300 million okay that's what we went through for the past four years we are about to flip to ful year profitability 190 million profit for 2024 Amazon went through the exact same phase look at this guys 700 million loss 1.4 500 million 100 million loss all the way from 1999 to 20 2002 and they flipped the profitability in 2003 plus 35 million profit okay and guess what happened the company went from 10 billion boom to 2 trillion okay 200x right here 200x from here and you can see Sofi is following the exact same blueprint on gaining scale you got to take those losses and now you have 14 million members to continue to Cross by and show monetization and you're also seeing that in Galileo technices guys they're doing RP stages for the past 2 three years and if you combine those two businesses guys you're going to get a tech hybrid multiple and I believe Sofi is going to be printing billions and billions of dollars you know 22 years out okay so a 200x would take about 20 years okay so don't think that I'm talking about a 200x coming you know anytime in the short term okay that's not going to happen but the price targets that I am throwing out I believe are going to happen guys and specifically by the end of 2026 um you're seeing those price targets I'm throwing around you know 4575 guys I believe we are going to hit those levels if we get those you know top 10 Legacy banking institutions signing to our platform we're also going to show you what you know Legacy investors such as a Peter Lynch has said on what it takes for stocks to have that multiple expansion and listen quick guys because it is going to happen really fast this is a very very short clip listen to what Peter Lynch said he's talking about a early investment he got in that is cocacola and listen to what he says about EPS expansion correlated to the stock price I'm trying to convince people there is a method there are reasons for stocks that go up uh Coca-Cola this is very m magic it's a very magic number easy to remember Coca-Cola is earning 30 times per share what they did 32 years ago the stock has gone up 30 fold you hear that right there 30 times their EPS over the last 32 years and on top of that the stock 30 fold at the same time okay so EPS expansion 30X stock 30X you get what's happening okay that's why the SOI stock hasn't had a big multiple expansion because the profitability is what analysts keep saying to keep the stock down we are about to hit that analyst right now at 4050 cents 2026 SOI is at 80 cents and this year we're putting up 13 cents so what's the difference between 13 cents and 80 cents that's what we need to figure out if sui actually hits those numbers so likely in 2024 we're going to hit 13 cents in 2026 we're going to hit 80 cents guys that is a 6X difference okay if we see a six times multiple expansion on the stock right now trading at $14 guys we are going to be hitting $84 we're going to be getting that Tech hybrid mul if we do around you know a billion dollar in profit PE ratio about 84 okay this is what we've been waiting for guys the EPS expansion stage even Legacy investors know that this is what gets stocks going 10x 20x 30X okay profitability is the key to Sofi right now and you are literally at the beginning stage right now of what they're about to do in 2025 2026 taking it from 13 cents to 80 cents listen to what Legacy investors such as Peter Lynch said guys 30 times your eps you're going to 30 times your stock over the course of 30 years we're not worried about that guys we're worried about a 6X and as little as 2 years okay so I'm telling you right now Sofi is going to have an amazing 2025 people are worried about macro this is a buying opportunity When the Smoke Clears a lot of people are going to be chasing and that's fine so understand right now A lot of people are shook up about the macro is it going to be three Ray Cuts is it going to be two rate Cuts is it going to be one rate cut is it going to be no rate Cuts okay that is shortterm volatility that will not matter once we get by you know 2025 it doesn't matter how many R Cuts happen understand profitability EPS expansion is what's going to happen in the long term and you can see where sofi's headed they've already put this guidance out prior to you know how many rate cuts are going to be happening this year if you made it to the end of the video I want to say I really do appreciate I enjoy doing this video for you once again we're going to be keeping you updated on all the breaking news with the soulight stock be sure to smash the like button drop a comment don't forget to subscribe to the channel my name is Kyle hope you have a great day
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