$SOFI • Tier 1 capital nearly doubled $4.8B (14.3%) → $9.1B (18.7%) • Risk-weighted assets $33.6B → $48.7B • Shareholders’ equity now $11.1B They raised ~$3.3B in equity when the stock was trading $20–27. Smart move. That capital directly boosted book value and lending capacity. For a bank, more Tier 1 capital = more loans they can make = higher future earnings. Simple as that. Still sitting at 18.7% CET1 vs the 7% minimum, so they have plenty of room to keep growing. I may have missed this in the morning discussion on the earnings livesteam but this should be a big part of the thesis going forward. @stevenfiorillo @Futurenvesting @FunOfInvesting @Couch_Investor
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