7 Comments

Again very informative and clearly made article, even if you are not a SOFI investor it helps you understand how you can look at companies. Keep it up! You will be not forgotten. :)

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Great article Chris! This was a very informative read. I agree with your points completely. I have learned a lot from reading your articles and I look forward to the second half when it comes

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Excellent writeup, Chris! thanks for sharing! :)

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Thank you so much for your SoFi articles which are always well written and helpful. Your ability to cut through the ‘SoFi noise’ and explain what really matters is very much appreciated.

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Great rundown and explanation of how you are assessing valuation of a unique fintech growth company like this.

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Thank you again. I wish I had some idea how to read financial statements. I spent half an hour searching through the FY2023 annual statement just for the basic TTM cash flow in the neighborhood of $341M. I couldn't find it anywhere, and couldn't find the last year's $283M either. Would you mind explaining where to find these numbers? Thank you.

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Yeah...SoFi's cash flow is not in the financial statements. However, I do go through my methodology and how I calculate it for SoFi in the post below:

https://www.datadinvesting.com/p/sofis-negative-free-cash-flow-and

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