Future Investing
SoFi Stock Selling Off Before Earnings... | Tech Frenzy
10/18/2025, 1:41:59 AM
Economic Summary
- Institutional flows are increasing into Ethereum (ETH) exposures and staking, suggesting growing ETF and custody demand that could push ETH prices higher and deepen on‑chain activity.
- Cheap, instant settlement via stablecoins and crypto rails will materially reduce remittance costs and could accelerate global cross-border payments (a trillion-dollar industry), benefitting incumbents that adopt or integrate those rails.
- The host argues the market’s long-run trajectory is upward (S&P as an 'escalator'); temporary shocks/recessions are described as blips, reinforcing a buy-quality, long-term investment stance for companies like AMZN, GOOGL, NVDA, AAPL.
- SoFi (SOFI) user metrics cited (roughly 1.2M downloads and ~5–5.3M monthly actives from a third-party dataset) imply meaningful engagement growth that could drive revenue expansion from cards, loans, and payments.
- Fintech competition: established payments players (e.g., Stripe) are likely to remain strong competitors to crypto-native entrants, but firms that successfully combine crypto rails with product distribution (Coinbase, SoFi) could capture sizable market share.
Bullish
- Buy high-quality, cash-generative tech names (Amazon, Google, NVIDIA, Apple) as long-term defensive growth.
- SoFi has strong user metrics and a runway for revenue growth via cards, loans, and payments.
- Ethereum is seeing institutional flows and ETF/staking demand, supporting higher ETH prices.
- Coinbase and other crypto infrastructure firms can become dominant crypto cloud/service providers.
- Stripe and established payment processors can successfully compete with crypto-native rails.
Bearish
- Grok (X/Elon Musk) produces poor generative outputs and is unreliable for content creation.
- Chime shares are down ~60% from IPO, indicating heavy downside and overselling risk.
- Retail panic and lower retail engagement could depress trading volumes on platforms like Robinhood and SoFi.
- Smaller fintechs and speculative names may not survive broader market volatility and credit stress.
Bullish tickers
SOFINVDAAMZNGOOGLAAPLETHCOINAMDDLO
Bearish tickers
GROKCHIMEBMNR
SOFI
2 price targets
3240
Bullish
Large monthly active user base, accelerating cards and loan products could drive revenue and member growth.
Bearish
Shares have recently been volatile and could be hurt by broader fintech selling or worsening consumer credit.
NVDA
1 price targets
70
Bullish
Dominant AI hardware moat; outsized long-term upside if AI chip demand continues.
Bearish
Bear scenarios have suggested deep pullbacks, but those were framed as transitory in the video.
AMZN
1 price targets
100
Bullish
Viewed as safe, long-term capital allocation with strong secular growth and durable businesses.
Bearish
Macro selloffs could push AMZN materially lower in the short term.
GOOGL
Bullish
Strong AI/product moat (Gemini/TPUs); strategic advantage in cloud and AI infrastructure.
Bearish
Subject to advertising cyclicality and competition in AI products.
AAPL
Bullish
Large balance sheet and ecosystem make it resilient through downturns.
Bearish
Exposed to consumer cyclical pressures if disposable income tightens.
ETH
4 price targets
4700500060007000
Bullish
Growing institutional ETF and staking flows plus enterprise activity underpin higher price potential.
Bearish
Speculative asset with deep drawdown history and short-term volatility.
COIN
Bullish
Could become a major crypto infrastructure/provider (crypto 'AWS') for business payments and custody.
Bearish
Regulatory and crypto market volatility could pressure exchange volumes and revenues.
AMD
Bullish
Larger upside potential than incumbents if AMD captures GPU share in AI datacenters.
Bearish
AMD’s upside depends on winning the AI/GPU market; failure would limit returns.
DLO
Bullish
Strong management and product roadmap make DLocal an interesting fintech growth name.
Bearish
Emerging-market and execution risks could limit upside.
CHIME
Bullish
Business is largely fee-based with potential margin expansion and deposit/product growth.
Bearish
Stock is down ~60% from IPO and could have further downside or execution risk concerns.
BMNR
Bullish
Speculative, small position exposure only; host holds a 1% allocation as a starter.
Bearish
Mentioned as beaten down with pessimism; small allocation recommended due to risk.
GROK
Bullish
N/A
Bearish
Generative outputs described as low quality and unreliable, undermining product trust.
People mentioned
Elon MuskAnthony NotoSam AltmanTannerAmitJeff BezosMark ZuckerbergMarc BenioffLarry EllisonSteve JobsJamie DimonJack MaTrevor MiltonRoss AlbrechtSam Bankman-FriedCathie WoodJerome PowellVitalik ButerinAnderson SilvaJon JonesConor McGregorJensen HuangVlad Tenev