$NBIS Up 30% — And Why I Just Bought 700 Shares of $SOFI

The trade I made on $NBIS back in early May has started to show strong results. The stock is already up over 30% since my purchase, and I want to give credit to anyone who followed me on that move. It’s always rewarding to see research-backed conviction pay off.

But I am not cashing in just yet. I continue to hold $NBIS as an infrastructure bet on the future of AI. I believe the company is well-positioned in a rapidly expanding space, and I plan to stay invested for at least the next 12 months or possibly longer depending on how the landscape evolves.

A New Addition: $SOFI

Outside of that, I haven’t made too many moves lately but mostly because I was away on vacation. However, I did take a position earlier this week: 700 shares of $SOFI at $13.50/share.

Unfortunately, I may have mistimed this move by a day, as it looks like the markets will pull back in response to renewed tariff threats from President Trump, this time targeting the European Union with a proposed 50% tariff (rolls eyes). This kind of geopolitical headline risk tends to spook the markets short term, but it also creates attractive entry points for investors who can look beyond the noise.

Right now, $SOFI is trading in the $12–13 range, and I see it as a compelling opportunity.

Why I’m Bullish on SoFi

SoFi (Social Finance) is not your traditional bank. It’s a digital-first, asset-light financial platform built for scale. Here’s what stood out to me:

• End-to-end financial services: loans, mortgages, credit cards, and investing all in one app.

• Lead monetization model: instead of turning customers away, SoFi sells leads to partners and collects fees, minimizing credit risk while still profiting from user demand.

• Asset-light strategy: the digital model allows SoFi to scale rapidly without the cost burden of a physical branch network.

• Explosive member growth: from 3.4 million in 2021 to 10.9 million in 2025, representing a 52% CAGR.

• Ambitious long-term goal: aiming for 50 million members by 2035, which would position it in the same tier as major U.S. banks.

Let’s put it in perspective:

Bank	Market Cap
JPMorgan Chase (JPM)	$700B
Bank of America (BAC)	$313B
Wells Fargo (WFC)	$238B
SoFi	$15B

The upside potential here is massive especially when you factor in their relatively small market cap today.

Leadership Matters

Leadership is another reason I’m confident in SoFi’s vision. We all know I love growing companies with charasmatic leaders, (like Karp at PLTR) and SoFi's  CEO, Tony Noto (what a name!) brings deep experience, having served as:

• Managing Director at Goldman Sachs

• CFO of the NFL

• COO of Twitter

This is a team that understands both finance and tech, and that’s a rare but powerful combination in the fintech world.

The Risk: Profitability Still in Progress

To be clear, SoFi isn’t without challenges:

• Revenue is strong, but they’re still in investment mode, spending heavily on growth.

• Net income remains low, but that’s not unusual for a company aggressively scaling in a competitive space.

That said, if they continue to execute and hit their goal of 50 million members, I believe $SOFI has 10x potential over the next decade.

Final Thoughts

Right now, I’m not rushing into many new positions. But $SOFI felt like the right opportunity at the right time, especially with the market giving us a temporary discount due to macro headlines.

As always, I’ll keep you updated as new opportunities emerge.