Sofi on the rise soon-To The Moon - Tiger Brokers Online Investing Community - To The Moon

24
3
Favorite

Sofi on the rise soon

Pinkspider
2025-10-13

This is one of the most impressive margin graphs I've ever seen. $SoFi's Financial Services contribution margin (Revenue less directly attributable expenses) went from -177% in Q2 2022 to +52% last quarter.

FS is mostly fixed costs, and as they've scaled revenue, their expenses have been mostly flat. That leads to massive margin improvements. Crypto, better credit card unit economics, and continued growth of the Loan Platform Business should continue to help margins expand even further from here.

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

24

Report

Comment（3）

Top
Latest

Valerie Archibald
·2025-10-14
Retail investors have driven the stock market and margin debt, to all time highs. Margin debt has reached a all time high of 1.1 Trillion. This is high and may lead to massive gains for lenders. At some point it may be a issue. Long SOFI.

Reply
Like
Report
Enid Bertha
·2025-10-14
30 this week let's go!!!

Reply
Like
Report
GregoryRichardson
·2025-10-14
Exciting growth ahead
Reply
Like
Report

Most Discussed

{"i18n":{"language":"en_US"},"data":{"magic":2,"id":488844911542336,"tweetId":"488844911542336","gmtCreate":1760370177115,"gmtModify":1760408876452,"author":{"id":3563842318594455,"idStr":"3563842318594455","authorId":3563842318594455,"authorIdStr":"3563842318594455","name":"Pinkspider","avatar":"https://community-static.tradeup.com/news/e0565d03e7bb12de8354f73b564d08be","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"hat":"https://static.tigerbbs.com/b0a2963eb37c60c5d6d4a8dbcd266952","crmLevel":8,"crmLevelSwitch":1,"currentWearingBadge":{"badgeId":"972123088c9646f7b6091ae0662215be-3","templateUuid":"972123088c9646f7b6091ae0662215be","name":"Legendary Trader","description":"Total number of securities or futures transactions reached 300","bigImgUrl":"https://static.tigerbbs.com/656db16598a0b8f21429e10d6c1cb033","smallImgUrl":"https://static.tigerbbs.com/03f10910d4dd9234f9b5702a3342193a","grayImgUrl":"https://static.tigerbbs.com/0c767e35268feb729d50d3fa9a386c5a","redirectLinkEnabled":0,"hasAllocated":1,"isWearing":1,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2023.10.19","exceedPercentage":"93.69%","individualDisplayEnabled":0},"individualDisplayBadges":[],"wearingBadges":[{"badgeId":"972123088c9646f7b6091ae0662215be-3","name":"Legendary Trader","description":"Total number of securities or futures transactions reached 300","smallImgUrl":"https://static.tigerbbs.com/03f10910d4dd9234f9b5702a3342193a","bigImgUrl":"https://static.tigerbbs.com/656db16598a0b8f21429e10d6c1cb033","isScarce":0,"effectEnabled":0,"redirectLinkEnabled":0,"redirectLinkValidityFrom":0,"redirectLinkValidityTo":9223372036854776000}],"fanSize":1014,"starInvestorFlag":false},"themes":[],"images":[{"img":"https://community-static.tradeup.com/news/e56ad2a3d9157c0fb14d59338936aba7","width":"1116","height":"650"}],"coverImages":[{"img":"https://community-static.tradeup.com/news/e56ad2a3d9157c0fb14d59338936aba7","width":"1116","height":"650"}],"title":"Sofi on the rise soon","html":"<html><head></head><body><p>This is one of the most impressive margin graphs I've ever seen. $SoFi's Financial Services contribution margin (Revenue less directly attributable expenses) went from -177% in Q2 2022 to +52% last quarter.</p>\n<p>FS is mostly fixed costs, and as they've scaled revenue, their expenses have been mostly flat. That leads to massive margin improvements. Crypto, better credit card unit economics, and continued growth of the Loan Platform Business should continue to help margins expand even further from here.</p>\n<p class=\"t-img-caption\"><img src=\"https://community-static.tradeup.com/news/e56ad2a3d9157c0fb14d59338936aba7\" tg-width=\"1116\" tg-height=\"650\"><span></span></p></body></html>","htmlText":"<html><head></head><body><p>This is one of the most impressive margin graphs I've ever seen. $SoFi's Financial Services contribution margin (Revenue less directly attributable expenses) went from -177% in Q2 2022 to +52% last quarter.</p>\n<p>FS is mostly fixed costs, and as they've scaled revenue, their expenses have been mostly flat. That leads to massive margin improvements. Crypto, better credit card unit economics, and continued growth of the Loan Platform Business should continue to help margins expand even further from here.</p>\n<p class=\"t-img-caption\"><img src=\"https://community-static.tradeup.com/news/e56ad2a3d9157c0fb14d59338936aba7\" tg-width=\"1116\" tg-height=\"650\"><span></span></p></body></html>","text":"This is one of the most impressive margin graphs I've ever seen. $SoFi's Financial Services contribution margin (Revenue less directly attributable expenses) went from -177% in Q2 2022 to +52% last quarter. FS is mostly fixed costs, and as they've scaled revenue, their expenses have been mostly flat. That leads to massive margin improvements. Crypto, better credit card unit economics, and continued growth of the Loan Platform Business should continue to help margins expand even further from here.","highlighted":1,"essential":1,"paper":2,"likeSize":24,"commentSize":3,"repostSize":1,"favoriteSize":0,"link":"https://ttm.financial/post/488844911542336","repostId":0,"isVote":1,"tweetType":1,"viewCount":815,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":true,"length":424,"optionInvolvedFlag":false,"xxTargetLangEnum":"ORIG"},"commentList":[{"id":489091068670280,"commentId":"489091068670280","gmtCreate":1760426578098,"gmtModify":1760426582879,"authorId":10000000000010988,"author":{"id":10000000000010988,"idStr":"10000000000010989","authorId":10000000000010988,"name":"Valerie Archibald","avatar":"https://static.tigerbbs.com/390bb094fc9bb64af7414f37cde534ff","vip":8,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[]},"repliedAuthorId":0,"objectId":488844911542336,"objectIdStr":"488844911542336","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"Retail investors have driven the stock market and margin debt, to all time highs. Margin debt has reached a all time high of 1.1 Trillion. This is high and may lead to massive gains for lenders.  At some point it may be a issue.  Long SOFI.\n<br><br>","text":"Retail investors have driven the stock market and margin debt, to all time highs. Margin debt has reached a all time high of 1.1 Trillion. This is high and may lead to massive gains for lenders.  At some point it may be a issue.  Long SOFI.\n<br><br>","html":"Retail investors have driven the stock market and margin debt, to all time highs. Margin debt has reached a all time high of 1.1 Trillion. This is high and may lead to massive gains for lenders.  At some point it may be a issue.  Long SOFI.\n<br><br>","likeSize":0,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0,"disclaimerType":0},{"id":489091491504904,"commentId":"489091491504904","gmtCreate":1760426521862,"gmtModify":1760426526514,"authorId":10000000000010992,"author":{"id":10000000000010992,"idStr":"10000000000010993","authorId":10000000000010992,"name":"Enid Bertha","avatar":"https://static.tigerbbs.com/a539edbf3388702a82cb1d4728704766","vip":8,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[]},"repliedAuthorId":0,"objectId":488844911542336,"objectIdStr":"488844911542336","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"30 this week let's go!!!\n<br><br>","text":"30 this week let's go!!!\n<br><br>","html":"30 this week let's go!!!\n<br><br>","likeSize":0,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0,"disclaimerType":0},{"id":489004476957128,"commentId":"489004476957128","gmtCreate":1760409251551,"gmtModify":1760430911537,"authorId":9000000000000201,"author":{"id":9000000000000201,"idStr":"9000000000000201","authorId":9000000000000201,"name":"GregoryRichardson","avatar":"https://static.tigerbbs.com/b91d0cbb63ed0ffe6dc3dc19168205d1","vip":8,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[]},"repliedAuthorId":0,"objectId":488844911542336,"objectIdStr":"488844911542336","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"Exciting growth ahead","text":"Exciting growth ahead","html":"Exciting growth ahead","likeSize":0,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0,"disclaimerType":0}],"hasMoreComment":true,"orderType":2}