Take your beer goggles off right now and

I don't want you making this crucial

mistake on SoFi and Robin Hood. SoFi

right now is like a dead fish. It's

going sideways. But Anthony Nodto is

signaling something very different to

the market and I trust my shares of SoFi

in Anthony's hands. Check out the stock

right now. It's trading for $18.78.

But did you know that Anthony Notto on

June 16 bought 13,888

shares on the open market at an average

price of $186,

investing roughly a4 million, including

all of his purchases this year, he has

bought approximately 130,000 shares in

2026 at an average cost of 1729,

spending nearly $2.5 million of his own

capital. He now owns roughly 12 million

shares of SoFi, making him one of the

biggest and largest shareholders of the

entire company. Now, Anthony isn't just

talking about SoFi. He keeps buying his

own company. This is why when I look at

the stock trading for $18.78

and a market cap of $24 billion, I

believe, folks that we're looking here

at over $30 billion company that's going

to be sitting there in the next 6 to 12

months because when the stock rips, it

rips hard. And that's the mistake that I

don't be making specifically on SoFi and

it's also a mistake that I don't should

be making on Robin Hood. Now, Anthony

Nota has repeatedly said that he

believes AI and blockchain are the next

two technology super cycles. And when we

look at the past earnings quarter, SoFi

has reported a record quarter. The next

earnings date that they have is the end

of July. Now, for Q1 2026, adjusted net

revenue reached $1.1 billion, up 41%

year-over-year. Net income climbed to

167 million. Adjust EBIDA hit a record

of 340 million. and management

reaffirmed that fullear guidance of

roughly 4.655 billion in revenue with

about 825 million in adjusted net

income. Now guys, my belief, okay,

Henry's opinion, I'm not a financial

adviser or anything like that. I'm not

registered for anything, but my opinion

is SoFi is a $25 plus stock in 6 to 12

months. And the simple reason for that

is not only that they keep beating

earnings and they keep growing, it's

simply that they're likely to continue

to do so. and that is eventually going

to make their stock very cheap. Sofi has

a very powerful financial matrix. Once

you're in their financial matrix, it's

like child support and if you don't pay,

you are going to jail. Their growth

strategy revolves around the member

flywheel. So, they start off with one

product that's like a student loan. Then

they offer personalized cross sales. So,

credit cards, investing, and you know,

home loans. That is exactly what

increases their LTV or lifetime value of

their customers at no extra acquisition

cost. So, you see what's going on is

that SoFi is able to acquire customers

for very cheap with an entry product and

then they're building a relationship and

selling high-V value products from

there. So, upselling is built into the

UX via smart nudges, reminders, and

pre-approved offers. SoFi isn't just

another bank stock. It's building the

operating system for modern money while

already cranking out billions in revenue

and rapidly rising profits. So, that's

the main reason why I like SoFi. But

also, I talked about marketing before.

They have a very low CAC or customer

acquisition. SoFi uses referral rewards,

sponsorships, partnerships, SEO heavy

content marketing and all of this leads

to lower CAC than traditional banks

especially for digital native users. So

SoFi's assets have grown faster

literally than JP Morgan, Bank of

America over the last 5 years. And this

is only really the beginning. More

millennials are going to SoFi. SoFi is

acquiring way more customers because

they have stronger marketing and they

are building better business because

they have a higher profit margin and

they're able to cross-ell and upsell

current customers. So they do have some

competition and they're actually

competing with Robin Hood which is the

second stock we're going to be talking

about in this video. But basically

SoFi's sales and monetization strategy

is second to none, especially in the

banking industry where everything is

super old. When I used to work at

Goldman Sachs, it literally felt like,

you know, I was there in 2016, but it

literally felt like I was working at a

company that was in the early 2000s. So,

keep in mind, SoFi has a really strong

upselling engine. A student loan user

gets nudged into something like opening

a checking account. Then they're

preapproved and they have personal

loans. Then they have more spending with

SoFi and they adopt more product. Maybe

they become investing customers. SoFi is

incredibly datadriven and that is the

most important thing that I look for in

businesses. Part of my degree was in

finance and business analytics. Business

analytics is important because companies

that make datadriven decisions make more

money. So whenever they are using AI or

data analytics, that means a company is

going to be improving in making smarter

decisions in the future as well. With

end-to-end data like checking, credit

card loans, investing, SoFi can predict

financial needs, time offers precisely,

and automate re-engagement such as email

marketing. So they're able to generate

more money from their current customers

by squeezing out more products from

them. They also have software like

economics. So once a platform is built,

each and every single new user is

essentially not that much money for them

to maintain. It's very very low. That's

because SoFi essentially has a very high

fixed cost and not that high variable

cost. So adding more customers doesn't

really cost them that much, which really

helps them scale their business. Now

they also make a lot of money from

deposit spreads. So they earn interest

on customer cash and they pay out less

and less of that as time goes on. So

that spread is extremely high margin and

it's only growing and becoming better.

Now they also have interchange and fees.

So this is like debits, credit cards,

brokerage margin, subscription all stack

on top of the same user. Now in terms of

their cross-ell flywheel, CAC is really

just paid once, but revenue compounds

with every single new product per

member. That's why I'm so bullish on

SoFi stock. So, the incremental margin

that they make on each additional active

user is very huge, and that's going down

to their profit margin. What I see

happening with their stock doesn't make

any sense. I mean, the stock's at

$18.78.

Over the last 6 months, the stock is

down 31%. It's been going sideways for

some time, which actually is not a bad

environment for an option seller now.

The highest long-term upside is really

SoFi technology. This is the part of

SoFi that I think Wall Street still

isn't fully appreciating. Most investors

look at lending, but I think the real

long-term optionality where they're

going to be making a lot of money is the

tech side of the business. Galileo has

now been brought together under SoFi

technology solutions, creating a

platform that powers financial

institutions behind the scenes rather

than competing with them directly. So

why I think this is such an enormous

upside? Well, banks, fintech, payment

companies, and digital wallets all need

modern banking infrastructure. They need

core banking systems, APIs, payment

processing, compliance tools, and

account management. Once a company

builds its entire business on your

infrastructure, switching becomes very

expensive and disruptive, similar to how

businesses rarely leave AWS once they're

deeply integrated. Today, this segment

is still much smaller than SoFi's

lending or financial service business,

which is exactly why I find this part of

their business so interesting. If

management executes, the business can

continue expanding globally while

benefiting from software-l like

economics. Every client adds recurring

revenue. Margins improve as customers

are added to the same platform. Now,

development costs are spread across

growing customer base, making each

additional customer more profitable than

the last one. To me, this isn't just

another fintech product. It's SoFi

building the infrastructure layer that

other financial companies rely on. And

that's where I see a lot of opportunity

for long-term upside. Now, of course,

their lifetime value is something that

I've talked about on this channel. If

you're subscribed, I've discussed LTV,

which is essentially how much a customer

is worth in the long term. I'm a

business person. I studied business in

college. And whenever I analyze a

company, I'm looking at their unit

economics, and I want to make sure

they're built around multiple product

users that continue to do more business

with that company. Whether it's a

restaurant like Chipotle, I want to see

the same store sales increasing. Or

whether it's SoFi, when they acquire a

customer, I want to see those customers

being cross-sold and them doing more

business via purchasing more products

and services. So a core insight that I

see with SoFi is that they may sell a

low CAC product like a checking account.

This is so genius because getting people

in the door is the hardest part. Now,

when I look at SoFi under $20, I think

that it is a steal because if you see

the amount of cross-selling into higher

revenue products like loans, credit

cards, investing in insurance referrals

that they do, it will literally blow

your mind. They do not pay a new CAC for

those second products. So, every

subsequent product is almost literally

pure incremental profit for them.

Meaning CAC is effectively diluted

across multiple revenue streams. I think

that's still not fully represented in

the stock and this company is going to

look much more attractive for Wall

Street and retail investors in the

following quarters. I'm literally

looking for 6 to 12 months for the stock

to be between 25 and $30 per share. I'm

very excited to continue to be a

shareholder. And if you're selling out

of SoFi, I think you're making a really

huge mistake. Now, let's go into the

second stock, which is Robin Hood. Robin

Hood, guys, a lot of people have made a

crucial mistake. I would say even more

mistake than SoFi because they got out

of Robin Hood exactly when the stock

started tanking right earlier this year

in February. In March, this stock was in

the $70 range and analysts were cutting

their price targets from, you know, 102

to 91. Another price target cut here

from 135 to 110, 102 to to 90, 95 to 85.

There's a whole lot of panic in the

market. But the truth is, Robin Hood has

been a stronger business as time has

gone on. Here's how Robin Hood really

makes money in 2026. The biggest

misconception is that Robin Hood simply

makes money every time someone buys a

stock. And that's literally only a small

fraction of the story because number one

is transaction revenue. Yeah, they still

have a really strong growth engine. And

that is one of their primary businesses,

which is transactionbased revenue

remains Robin Hood's largest business.

During Q4 2025 last year, transaction

revenue reached $776 million,

representing roughly 61% of total

revenue. That was the biggest

contributor. But now what I think is

going to happen is Robin Hood is going

to have so much more diversified income

streams. Now their main revenue driver

is option trading, crypto trading,

equity trading, and when markets become

more active, Robin Hood typically

benefits from higher trading volumes

across all three platforms. So, you see,

I like having Robin Hood in the

portfolio because if the market becomes

more volatile, Robin Hood is literally

making money off of other investors

emotions and them trading more. But

here's what I think investors are often

overlooking. And most likely, this is

the mistake that you are personally

making yourself. Robin Hood isn't

standing still. Management has expanding

the platform well beyond traditional

stock trading. Over the past few months,

they have rolled out products like Robin

Hood chain, tokenized US stocks for

international investors, expanded

perpetual futures across Europe,

continued growing Robin Hood Gold, and

broaden their crypto offering

internationally. The goal is very

simple. Give customers more reasons to

stay active inside of Robin Hood's

ecosystem instead of using multiple

financial apps. So, they want to take

your entire wallet and they want to own

it. And that is why I no longer view

Robin Hood as just a brokerage. It's

evolving into a broader financial

platform and every new product creates

another opportunity to increase revenue

from the same customer over time. So the

main driver is transactional revenue

which is essentially pay for order flow.

Every time you are trading guys, you are

making Robin Hood richer. One of Robin

Hood's biggest revenue streams is pay

for order flow. Instead of really

charging you a commission, which a lot

of people would be against, they went a

really unique route in their marketing.

They said that we are free. Okay. But

instead of charging you a commission

every time you place a trade, Robin Hood

routes many stock and option orders to

market makers who pay the company for

executing those trades. I used to work

at a market making firm in New York

City. This was over a decade ago and I

saw the amount of transaction volume

that they had. Okay. So, basically what

they're doing, these market makers on

Wall Street, they're making like a penny

or two pennies or three pennies per

trade, right? per contract or per, you

know, share. However, when you multiply

that by thousands and thousands of

contracts and thousands and thousands of

shares, well, those pennies start to add

up to hundreds of dollars. And when you

execute multiples of those trades in a

day, well, very quickly, a market maker

could make $3,000,

$20,000 and up depending on the volume

that they are basically providing for

the market because they're providing

either liquidity or they're buying

orderflow data and taking advantage of

the bid and ask spread. So, that is one

way that Robin Hood is also advertising

commissionfree investing. While really

guys, nothing is really free in life,

right? There's no one that is actually

doing things for free. There's always

like a secret motive. Okay, good or bad.

I don't know. But that's how Robin Hood

is making a lot of money. So, options

and crypto trading is the second major

driver. And these products tend to

generate significantly more revenue per

active trader than traditional stock

investing, which is one reason Robin

Hood continues investing heavily in

expanding its derivatives and crypto

offerings around the world. because

crypto and option traders are probably

going to be more active than just equity

traders and their margin is higher on

those type of customers. So why this

matters is this part of the Robin Hood

business is highly tied to investor

activity. When markets are volatile,

cryptos rallying or option trading picks

up, transaction revenue can accelerate

very quickly. On the flip side, whenever

the market is more boring and less

trading volume, well that's when Robin

Hood is not making as much transaction

revenue. That's why Robin Hood's

earnings can be more cyclical than

companies with primarily

subscription-based revenue or recurring

models. However, Robin Hood has a

recurring revenue model as well, which

I'm going to get into. So, don't get

impatient and don't make the mistake of

selling this stock even when it is up

from $70 to $111 because I see Robin

Hood still going to $140 plus per share

in 2027. One of those big reasons is

their net interest income, Robin Hood's

profit engine. While most investors are

focusing on trading activity, one of

Robin Hood's strongest businesses today

is net interest income. This has become

a major driver of both profitable and

more consistent earnings. In the first

quarter of 2026, net interest revenue

reached $359 million, up 24%

year-over-year, accounting for roughly

34% of Robin Hood's total business.

Robin Hood generates this massive

revenue from interest earned on

customers uninvested cash. Yeah, kind of

crazy, right? All the money that you're

not using in Robin Hood, they are using.

They are taking your cash and they are

making money off of it. Now, also margin

loans provided to investors using

leverage. This is another way that they

make money. Securities lending is

another area where Robin Hood just lends

shares held in customer accounts to

institutional traders. Cash management

and other banking relating products are

also ways that Robin Hood generates

money. Now unlike transaction revenue

which can fluctuate with trading

activity, net interest income provides

Robin Hood with a much more stable and

recurring revenue stream as more

customers fund their accounts, hold

larger cash balances, and use products

like margin and Robin Hood Gold. This

segment continues to strengthen the

company's financial foundation. That's

one reason I believe Robin Hood today is

becoming much more than just a trading

app. It's really evolving into a

diversified financial platform. One area

I think investors continue to

underestimate is Robin Hood Gold. This

isn't just a premium membership anymore.

It's actually locking you in

psychologically. So, whenever you pay $5

for Robin Hood Gold, man, they got you.

They got you. Because in the first

quarter of 2026, Robin Hood Gold

subscribers grew 36% year-over-year to

over 4.3 million members, while

subscription revenue increased 32%.

That's exactly the kind of prediction

recurring revenue investors are trying

to look at. They want something

predictable. Okay? Okay, so when an

investor wants predictable income, they

want to look for a company that has a

recurring revenue stream. So for a

monthly subscription, gold members

receive benefits like higher interest on

uninvested cash, professional research

and market data, larger instant

deposits, margin investing at

competitive rates. And really think

about Robin Hood as a building. A

customer might want to join just to buy

one stock or put in a little bit of

money, but eventually they upgrade into

gold. And when they upgrade it to gold,

they keep more cash in the platform,

start maybe trading options, and they

learn from, you know, your boy Uncle

Henry here. They start investing in

crypto. They start using margin. And,

you know, maybe they even open up a

retirement account. So, that's why I

believe Robin Hood is no longer just a

commission-free brokerage. It's evolving

into a complete financial ecosystem

where every new product increases

engagement, recurring revenue, and

long-term profitability. Management

continues shipping products at an

incredible pace. platform assets reached

record $37 billion and average revenue

per user continues to climb in the

latest quarter. Now, I'm running three

option strategies on both of these

stocks. I'm putting in my own money

behind these ideas. As you guys know, I

transparently share my portfolio on this

channel, and I don't just talk about

these stocks. If you like to follow

every trade that I make on SoFi, on

Robin Hood, as well as others, and the

rest of my portfolio in real time, along

with our live market calls and

educational sessions, come join inside

of the Discord. The link is in the top

of the description and I'd love to show

you all the trades that I'm personally

making. Thanks for watching and I'll see

you in the next one.