Future Investing
SoFi Stock Just Got Proof the Bears Are DEAD Wrong!
10/23/2025, 8:32:21 PM
Economic Summary
- LendingClub (LC) reported a Q3 revenue surprise (+4%) and EPS growth (+23%), signaling robust consumer loan demand and improving financial metrics.
- Consumer personal loan originations at LendingClub grew 37% year-over-year and the company guided ~35–41% growth next quarter, indicating sustained demand for unsecured credit products relevant to SOFI (SOFI).
- Net interest margins are improving as deposit funding costs decline; both LC and likely SOFI could benefit from wider margins and better loan economics.
- Loan investor demand and rising loan-sale pricing point to a healthy secondary market for originated loans, supporting platforms that originate and sell loans (benefit to SOFI's loan platform business).
- Credit performance is strong now—delinquencies and charge-offs are in line or better than expectations—but LC expects charge-off ratios to normalize upward as vintages age, a cyclical risk for lenders.
Bullish
- LendingClub Q3 revenue and EPS surprised to the upside.
- LC originations rose 37% YoY with 35–41% next-quarter growth guide.
- Net interest margins improving as deposit costs decline.
- Strong loan investor demand and higher loan-sale pricing.
- SoFi ranks #1 in Payments.com digital banking app rankings.
- SOFI adding crypto transfers from Coinbase/Robinhood, driving engagement.
Bearish
- Higher marketing spend at SOFI could pressure near-term profitability.
- LendingClub uses a less restrictive credit box, implying higher borrower risk.
- Charge-off ratios are expected to revert upward as newer vintages mature.
Bullish tickers
SOFILC
Bearish tickers
SOFILC
SOFI
Bullish
Top-ranked app with rising downloads, upcoming crypto transfer features and strong loan-platform dynamics suggest continued user and revenue growth.
Bearish
Higher marketing spend and execution risk could weigh on near-term profitability despite growth.
LC
Bullish
Q3 revenue and EPS beat, originations +37% YoY, and 35–41% growth guide point to strong momentum and loan demand.
Bearish
Smaller originations and a less restrictive credit box imply higher risk and lower borrower quality versus SOFI.
COIN
Bullish
Mentioned as a source for coin transfers into SOFI, implying integration opportunities.
HOOD
Bullish
Mentioned as another wallet/source for coin transfers into SOFI.
WFC
JPM
DFS
ALLY
DAVE
CHIME
MONEYLION
ACORNS
VEROBANK
PAYMENTS.COM
Bullish
Published the digital banking app rankings that placed SOFI at #1.
People mentioned
Anthony NotoKen Megan