The key for $SOFI will be what the market is willing to pay for growth from SOFI. At the current price, the market is saying... its good but we could get a better risk to reward from somewhere else... I think the tangible book value growth is currently underappreciated and the estimates are conservative. I feel like they would beat them by double digits in the coming years AND if we get rate cuts, the multiples will expand naturally AND the refinance revenue will boost push the multiples even higher. My conservative estimate for EOY 2028 is ~$25/share.
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