SoFi and Robinhood investors, beware

right now. We're at a very crucial

inflection point. These two stocks are

very volatile, and I need to analyze

both of them for you in this video. I've

recently covered both, but I have an

update and more information that you

need to know because there are some

mistakes that investors are making. So,

today I'm going to discuss SoFi stock,

the business, the valuation, and where I

see it headed next, as well as Robinhood

stock after they have already had

earnings and the stock has increased.

Does it have any more room to increase?

So, we'll be doing a deep dive because

these stocks aren't perfect. They also

have some things that you should be

aware of. Now, many investors are going

to miss the post-earnings opportunity on

both of these stocks, but I do believe

that one of them has a bit more upside

to go. So, let's start off with SoFi.

SoFi right now is sitting at $18 per

share. The market cap is at $23 billion,

and the P/E ratio is under 40. Just look

at the chart right now. This stock was

trading for over $30 per share, and

since it has been trading at $30 per

share in late last year, now the stock

has been going nowhere and going

sideways at $18 per share. Now, look,

there's a huge mismatch between the

business and what's happening with the

stock. SoFi is not like most fintech

companies. They don't just run banking

infrastructure. SoFi actually owns it.

SoFi is different from many fintechs

because it has a national bank charter

through SoFi Bank. That means it can

take deposits and originates or fund

many loans within its own banking

operation instead of relying entirely on

a partner bank to provide those core

banking functions. For example, a

fintech without its own banking often

works something like a customer then

goes to a fintech app, then a partner

bank, and that is a lot of fees, guys.

What makes SoFi really different is they

can do all of this themselves without

having to pay third parties. That

matters because SoFi can capture more of

the economics, can have greater control

over deposits and lending and rely less

on third parties for core banking

functions. It's difficult to disrupt

SoFi because SoFi is the disruptor.

Guys, it is literally the company doing

the disrupting. When I used to work at

Goldman Sachs, it was literally like

working, I don't know, like in the 1980s

even though I was working there in like

2015 or 2016 time. But it was so old and

outdated. SoFi is disrupting dinosaur

banks like Bank of America, Goldman

Sachs, and all these other names out

there. SoFi's acquiring customers like

crazy and I am very interested in the

stock at these levels despite the stock

not doing much. I think we're going to

see something very similar to what had

happened with Palantir. Please watch a

few weeks ago a few weeks ago, guys.

Please watch it if you have to. I said

that Palantir is a steal at $109 per

share. The comments were saying, "Bicep

over tricep? Yeah, right, Henry. Glutes

over quads? I'm losing money on

Palantir." And then other comments were

like, "Henry, you lost your mojo. You

don't know what you're talking about."

Etcetera, etcetera. When I said that

Palantir was an absolute steal and

goldmine at $109 per share. And we know

what happened with Palantir. Yes, it was

difficult, but I made my community

life-changing gains off of Palantir. I'm

not a financial advisor and I can't

predict the future, but I am confident

in SoFi stock in a very similar way that

I was confident in Palantir. And waiting

ended up paying off very handsomely. So,

look, with SoFi at $18.12

right now, anything under $20 I deem to

be a good value because I believe this

stock is between $25 to $27 stock in 6

months. Maybe that'll happen sooner,

maybe it'll happen later. But in 2027,

mark my words, I believe that SoFi is

between $25 to $27 in value. That's what

the business is worth based off of my

own modeling, the cash flows, and my

valuation of the business. Now, one last

thing about SoFi, and then I will move

on into Robinhood. I need to mention

customer lifetime value. Just like I was

talking about Palantir, how it's a steal

at 109. I believe in Palantir's

business. I think they're going to beat

earnings. All of that ended up

happening. You can see my videos. All of

them are transparently here on YouTube,

right? I want to mention something that

people are missing. Investors are not

understanding about SoFi. This is one of

the biggest mistakes that investors are

making because they don't understand

this. Therefore, they're not investing

in SoFi when the stock is actually

cheap. So, what is lifetime value or

LTV? This is the most important piece of

the SoFi story. I think this is

completely undervalued. We're already

seeing evidence of this because roughly

40% of new products have recently been

opened by existing SoFi members. SoFi

calls this its financial services

productivity loop, acquiring a member,

give them a good experience, introduce

them to additional products, and make

that relationship more valuable over

time. That's one reason that I think you

have to look at SoFi as a long-term

ecosystem. One more time, you have to

look at SoFi as a long-term ecosystem,

rather than simply a lending company.

The ultimate goal is to become the

primary financial relationship for

millions of people. If SoFi can acquire

someone when they're young, and keep

that person for decades, that

relationship could become significantly

more valuable as the customer's income,

assets, borrowing needs, and financial

activity grow. That's the long-term

opportunity. More members, more products

per member, lower acquisition costs per

additional product, and potentially much

higher lifetime value from each

customer. All right. Now, they are

spending money on ads as well, which is

very important as an investor, or if

you're considering to buy SoFi at these

levels, you should understand because

think about it like an option trade.

What matters isn't just what you pay up

front, it's the return that you generate

on that capital in the future, okay?

SoFi might be spending money today to

acquire someone who opens up a savings

account, but also that's the beginning

of a relationship. Over time, that same

customer might use SoFi for, you know,

investing or credit cards or personal

loans, student loans, mortgage. Oh my

goodness, a mortgage is such a long-term

commitment that SoFi literally prints

money hand over fist. Like literally,

they are making so much money on their

customers. And that is what's called

customer lifetime value or LTV. That's

what I'm talking about. If SoFi can

spend $100 to acquire a customer and

eventually generate, I don't know, 500,

1,200, $2,000 for that customer, then

you have a very powerful and profitable

business. That's why I'm watching

customer growth, but I'm also watching

how effectively SoFi turns those

customers into long-term relationships.

That's the part of the business that I

believe is very undervalued. And this is

why I'm trading SoFi actually on a

weekly and monthly basis in my Discord

community. If you're not in my Discord

community, you are missing out because

SoFi going sideways is actually a

fantastic opportunity for investors.

Now, enough about my community and

myself, let's move on into Robinhood.

Here is Robinhood stock sitting at $95

per share essentially. This is a

beautiful stock. I really like what has

happened to Robinhood because over the

last 1 month, the stock has actually

come down after a big pump, okay? Over

the last 6 months, you can see the stock

was actually very, very low at $70 per

share. I was telling my community,

"Guys, we got to buy this." And we did

buy it. We have 95 covered calls to be

transparent, okay? I have 95 covered

calls, which is actually very, very good

at the moment. Now, Robinhood went above

my covered call. I didn't do anything. I

didn't close. Just I held. I held on,

iron fists, held on, right? Now, after

Robinhood has soared, right, in price,

they did have earnings and we're going

to go over that. We're going to go over

earnings. Let's actually do that real

fast. We'll go back to the technicals

and where I see it headed. Robinhood

posted the best quarter ever as

prediction markets and Robinhood chain

take off, okay? Here I highlighted

Robinhood quarterly revenue of $1.31

billion. That's in- That's insane. I

remember being an analyst here on Wall

Street when Robinhood was only public,

okay? And they were making way less. I

don't remember what the numbers were,

but numbers were like super tiny

compared to this. It's actually crazy

for me to see a billion dollars in a

quarter because the same thing happened

with SoFi. It was under a billion. Now,

these fintech companies, they're scaling

so fast. That's why I want you to pay

attention. I'm trying to put some green

dough in your pocket, okay? I'm telling

you because these companies are scaling

their businesses. It doesn't matter if

the stock isn't following step-by-step

linearly, okay? Growth does not happen

linearly in anywhere in life, okay?

Everything has some variance, some

volatility. And that's a good thing.

That's where opportunity actually sits,

okay? It actually sits there, all right?

I'm about to I'm about to go nuts here

because I'm telling you the opportunity

you guys are sleeping on, I'm telling

you, it's something else here. So, this

company is scaling 32% year-over-year,

beating Wall Street estimates of $1.26

billion, okay? That's not a massive

beat, but it's a nice beat. It's a

really nice beat. But, what's even nicer

is the company's net income came in at

$573 million or $0.62 per share, okay?

Versus $386 million and $0.42 per share

a year ago. You can do the math, okay?

The revenue is growing at 32%, but look

at the earnings. The earnings went up

50% for Robinhood as a company. That is

what can happen to the earnings because

earnings can expand much faster than

revenue can expand. And when earnings

goes up this much, going back to

Robinhood here, this P/E ratio of 41 is

going to contract so fast that I think a

a of investors won't even be ready for

this. Because with earnings going up by

50%, that means that P/E ratio is going

to get crushed. It's going to come down

quickly, and that's going to make this

potentially a very cheap business to be

invested in. And that's potentially

going to make this a very cheap business

from a valuation standpoint. Okay? So,

going back again here, we hit all-time

highs in trading volumes across

equities, options, and prediction

markets. CEO Vlad Tenev said on X,

"Transaction-based revenue rose 44% to

700 $76 million." And guys, I want to

pull up here the presentation that they

had. This was in July 29th. Took me a

kind of a little bit over a week here to

really kind of sit in and do evaluation

model. And I'm about to give you the

price, and I think you're going to be

very shocked where I think Robinhood can

be trading at. Okay? So, Q2 2026

business results highlight. You can see

funded customers. Man, this is This is a

This is doesn't look crazy, but this is

what compound growth looks like. This is

a compounding growth. Okay? It's It's

growing very quickly with Robinhood Gold

subscribers. This is what I'm most

bullish on on the business. Robinhood

Gold subscribers, this is what I love to

see because once a customer is in with

Robinhood Gold, which is like what, five

bucks a month? That's nothing, right?

You're thinking, "Well, five bucks, who

cares? That's not a lot of money." And

it's also a lot of money when all 4.8 4

million users are serious now because

they're paying money. And when when

money comes into the equation, you know

people are serious. Okay? They have a

different psychology. When something's

free in life, okay? That's why I don't

do free coaching. I used to do free

coaching, by the way. People don't take

it seriously. Okay? When someone pays

for something, they're committed. Same

thing with Robinhood. Doesn't matter if

it's $5. They are locking their

customers in to a long-term

relationship, and they got the same

playbook as SoFi. I don't know if they

got the same, you know, hires from the

same MBA schools. What are they hiring

from Chicago

their MBAs must be doing the same

business plan because it's [snorts]

acquire customers, make sure the

customers are happy, make sure those

customers are spending more money with

the business. So look, total platform

assets growing as well, although there

was a little bit of shakiness from Q3

2025 to to Q4. Net deposits also in a

very nice place. You can see record for

all these figures. Financial results

highlights, you can see total revenues

1.3 billion.

Uh that's amazing, man. That's amazing.

And by the way, the market's doing

great, but it's not soaring as fast as

it was soaring in this time period. And

they're still making more money, right?

So they're just making crazy amount of

money. Now they have a lot of product

velocity, which remains robust through

the first half of 2026. I'm looking

forward to a lot of their stuff. And I

think, okay, when it comes to the

biggest mistake that investors are

making on Robinhood, it's really missing

Robinhood international expansion.

Robinhood is expanding throughout

Europe, and as they continue to expand,

more people are going to want to sign up

internationally, which is going to make

Robinhood a ton of money. Biggest

opportunity is obviously like

internationally. You can see that with

Netflix as well. When Netflix was early

on in in their growth stages, and when

they went international, that's what

bolstered the stock up a lot, okay? And

I see that happening for Robinhood as

well, because as they go into

international markets, that's only going

to increase their overall valuation.

Their market cap sitting at 85 billion

dollars. Guys, my prediction, what I

think is reasonable for Robinhood.

Again, I'm not a financial advisor, I

can't predict the future. I'm just the

guy here that has a degree in finance,

economics, analytics, and worked at

three different uh funds, okay? One of

them was Goldman Sachs. That was not a

fund. I was in kind of the wealth

management department. But then two

funds after that. And my opinion, based

off my own valuation, is I think we're

going to sit at 142 billion dollars.

That's the specific number that I came

across when I was doing my valuation

model, and I put in all the cash flows,

and I projected the future, and I

projected the next five years. I

discounted all that cash flow. I

believe, based off the growth that we're

seeing, Robinhood is a 142 billion

dollar market cap, okay? That's where I

see Robinhood at. You can see funded

customers increased 1.9 million

year-over-year to record 28.4 million in

Q2. Total platform assets increased 32%

year-over-year to 369 billion in Q2 due

to continued net deposits. And as we

continue here, I'm going to just scroll

this for one more minute. I'm just going

to show you more of the things that I'm

super interested when it comes to

Robinhood. And that is of course the

retirement. Okay, so retirement accounts

is super important because that's

obviously where the big money is.

Whenever someone's in retirement or

close to retirement, they have obviously

a higher net worth they have a higher

propensity to spend money. Okay, so

Robinhood is going to do very well with

that segment of their audience. Now

Robinhood gold subscribers grew to a

record 4.8 million. Again, this is this

is the part of the business I am most

bullish on where I see the highest

opportunity because you guys know

software companies have a really huge

valuation, right? They have very high PE

ratios. Why would a software company

have a higher PE ratio than, you know,

like a McDonald's or something like

that? Well, the reason is because a

software company that has low churn,

meaning very few customers are leaving,

has a very predictable revenue. Okay,

it's all about predictability and less

uncertainty for investors. Investors

hate uncertainty. So when it comes to

Robinhood as a business, okay, the most

important part of their business,

honestly, is their recurring cash flow.

When you have recurring cash flow as a

business, that makes investors very,

very happy because investors understand

this is a safer cash flow for the

business and likely this is not going to

be wiped out as easily as something like

transaction-based revenue. Okay,

transaction-based revenue requires

transactions. So if the market crashes

or the market pulls down and investors

are no longer excited or investors turn

to other forms of, you know, investing

and they don't use Robinhood as much,

transaction-based revenues obviously

going to go down. I don't really see

that happening because investors don't

really have anywhere else to go besides

Robinhood, which is really disruptive as

well. Robinhood as a business is very

disruptive like SoFi, which is why I

continue to make videos on these stocks

and why I'm so bullish on SoFi and

Robinhood still. Anyways, as you can see

here, last slide that I really want to

show you is they continue to grow and

diversify their business, which I think

is going to further contribute to them

having a higher and justified P/E ratio,

which isn't even that high, around 40s.

And as they are growing so fast, that

P/E ratio is going to come down, which I

believe is going to force Robinhood

stock to go up. If you want more deep

analysis on Robinhood and SoFi stock, as

well as option strategies, you can

schedule a free call right now to learn

how I am using options to profit off of

both SoFi and Robinhood. Even if SoFi

goes sideways, I'm using the wheel

strategy. If you want a free game plan

on how to use options to do that for

yourself, go ahead and check out the

description right now. We will give you

for free a full game plan, and then you

can decide from there if you want to

implement it yourself or if you'd like

some help implementing it.