Guys, Palantir stock reported earnings

$146 per share in the aftermarket and

boy oh boy do I have a huge update for

you on SoFi, on Robinhood. Palantir at

146, man, this is going to be an awesome

video. Let's start off with SoFi. SoFi

reported earnings and I consider it very

good. EPS came around 12 cents versus 11

cents that was expected and adjusted net

revenue was 1.2 billion dollars up 40%

year-over-year. Net income

million. That was a whole record and

adjusted EBITDA was up 44%

year-over-year. Now, they raised their

2026 revenue outlook to $4.75 billion to

potentially $4.85 billion. They did not,

however, raise EPS guidance, which

really disappointed investors. Investors

want to see higher profit forecast, not

just higher revenue. So, I totally agree

with that. I understand investors, but

if you look at the stock price, we're

trading for $18 per share right now. The

stock has had a significant bump from

the low $15 level that we saw at the end

of July. And honestly, we have made

money hand over fist on SoFi despite it

going sideways and not really having the

craziest performance or being a high

momentum stock, we have done extremely

well by just selling options. Selling

options has been an extremely good

strategy on SoFi because it's been going

sideways and I don't mind some slow

growth in the short term if the end of

the tunnel is still really good. CEO

Anthony Noto said that SoFi is not

seeing meaningful deterioration in

credit quality or member behavior.

Delinquencies and underwriting trends

remained within expectations. So, the

consumer remains healthy. Personal loans

are still in high demand. Management

emphasized that they continue to see

strong borrowing demand while

maintaining their underwriting

standards, which drove to record $14.8

billion Now,

Now, consider their loan business

statistically exceptional, guys. Average

loan balance was about 25 to 26,000

dollars, and the average annual income

of someone borrowing or taking on a loan

was around 160,000 dollars. So, when

Anthony Noto said that they're

maintaining underwriting standards

despite strong demand, he meant they are

not lowering their credit standards to

generate more loans. They continue to

lend primarily to high-income borrowers,

high-FICO borrowers, and borrowers with

low expected default rates. I'm more

concerned with protecting money in my

community than hitting home runs and

looking like a Leopold Ashburner who

later pisses his pants and loses over 30

billion dollars. I'm proud to say that

I'm the best coach who's been on YouTube

for going on 7 years now, who puts my

students' portfolios' volatility first.

It's a very important metric that I

track. So, I'm glad to see SoFi in a

stable place within their business. Now,

the stock going sideways does not

concern me. I'm still bullish on SoFi

long-term, and I think this is going to

be a 25-dollar plus stock in the first

half of 2027. Now, looking over into

their record deposits, they had reached

45.5 billion dollars, up significantly

year-over-year. Deposits now fund about

93% of SoFi's funding needs, reducing

reliance on more expensive warehouse

financing, and supporting strong net

interest margins. So, if you think about

it, that says a lot about their brand.

Customers trust them. And I don't care

about the short-term stock performance

when the business is trusted and

growing. Student loans are accelerating.

Now, student loan origination reached a

record 2.7 billion dollars, up 170%

year-over-year, and that is showing that

there is a restart of the student loan

market continuing to benefit SoFi. Now,

guys, that's pretty crazy to me, but

really good for SoFi. I mean, option

trading with me, in my opinion, is

better than a whole entire university

degree, which doesn't even get you a job

nowadays. But young people are taking on

huge debt. It's still really surprising

that this is a growing business for

SoFi. But hey, that's a good thing for

the business and I actually think that

that trend may continue to happen. So,

that's one of the other reasons why I

think that SoFi is going to make a lot

more money is because all of the loans

that they're originating is a very high

profit margin business. It's a very

long-term thing because by the nature of

a loan, you're paying it back over many

many years, right? And then over that

time period that you're paying back, you

obviously have a relationship with, you

know, the brand that you're doing

business with. So, anyway, subscribe if

you want more updates on SoFi. Let's

keep it moving. Let's go into the next

stock, which is Robinhood. Now,

Robinhood is trading for $9 per share

and again, this is a very kind of

similar situation to what I have going

on with SoFi. I don't mind Robinhood

being pretty range-bound because I'm

selling options. I'm an option seller.

My primary goal in what I do in my

coaching is I sell options and I'm

looking to collect the monthly premiums.

If I can collect monthly premiums and I

make that as stable as possible, even if

a stock goes sideways, you know, the

income in my portfolio is still giving

me enough freedom and still building my

overall net worth, which is, you know,

the most important thing. It's cash flow

and building net worth. So, Robinhood

has been very conducive for that in my

community. Over the last 1 month, the

stock is down, you know, a lot, but over

the last 6 months, stock hasn't really

done anything. So, if you imagine, you

know, me, my community, what we've been

doing is just selling monthly options.

That's what I talk about in all my

videos. If you've been subscribed, you

know that. So, for the past 6 months,

I've been selling premium and because

the implied volatility on Robinhood is

high, it's done really well. Now,

Robinhood also had earnings and they had

record 4.8 million users on Robinhood

Gold. That was their subscribers for

Robinhood Gold. That gets me really mega

excited because Robinhood as a business,

the way that they can lock in a

customer, similar to what SoFi does and

locks in their customers, is by getting

them to subscribe to something, even if

it's a cheap monthly thing like a gold

subscription. That's still more

predictable income for Robinhood as a

business. Now, option trading revenue

was up 29% year over year to $342

million,

which is great. Okay, they're making a

lot of money from options. Whenever, you

know, you're trading options and there's

a, you know, not that much liquidity and

there's a big bid-ask spread and that's

really wide, they're making money on

you. They're making money whether you

think it's free or not. I'm telling you,

Robinhood makes money, a lot of it. So,

you guys are overtrading, big mistake.

You should be learning from me and

trading less, being a little bit more

boring, but, you know, really being

balanced. So, it's about balance, right?

You don't want to give all your money

away in fees to Robinhood, even though

you think it's free, it's not. Okay.

Anyways, equity trading revenue was up

95%, so that was amazing. That was a

whole different ballpark there at $129

million, which is less money than option

trading, but growing, you know, growing

like what, three times, over three times

more than option trading. So, equity

trading did really well for Robinhood.

Now, gold subscribers pay every month,

so that makes the revenue much more

predictable than trading commissions

that they're making on, you know,

equities or the options. So, that's what

I like about the gold subscription. And

that's why I care so much about the gold

subscription, as well, because if you

look at Robinhood at $90 per share, and

I look at the one-year return here, you

know, it was as high as $144 per share,

$150 per share. I really do see a path

going back to $150 per share for

Robinhood. I don't think that's out of

the question. I think it's a great

business that's growing very fast. The

P/E ratio is right around 40, which

isn't cheap, but also given the growth

that they're experiencing. Look, the

reason why Palantir is up so much is

because of growth, right? A lot of you

guys have commented on my channel. I'm

going to skip to Palantir. We'll get to

the whole detailed list on Palantir in a

second. But, you guys have commented on

my videos saying, "Hey, the P/E ratio is

super high." And I was recommending

Palantir at $110 per share. I went super

heavy into even more aggressive,

dangerous strategies like buying call

options on Palantir. I ran a whole

challenge, which I'm going to run, by

the way, again soon, because we were

extremely successful at it. People were

calling me crazy. They were saying,

"Henry, the PE ratio is really high.

Like, do you not know what you're

doing?" They were calling me dumb. And I

asked myself, like, I can either get let

these comments get under my skin, or I

can just be honest with what I think.

That PE ratio, although sort of matters,

doesn't really matter at the end of the

day when it's a fast-growing business.

And I tried to explain that many times.

You guys see the proof is in the

pudding. The PE ratio is only a piece of

the pie. It's a piece of the story. It's

It's only one detail, okay? In and of

itself, it's not an indication that

something is overvalued or undervalued,

okay? Palantir clearly doing amazing um

with the higher PE ratio. And when I

look at a 40 PE ratio on Robinhood, I'm

in the same camp. I don't think this is

an issue. 40 PE ratio, which is almost

double of the S&P 500 in terms of the

valuation being expensive. Well, that's

fine, because the growth that Robinhood

is likely to experience in 2027 is going

to be huge from international expansion.

And the market cap at $81 billion,

I honestly think that this company

deserves to be a $100 billion

uh company. And that's not even asking

for anything crazy, cuz it's already

been there. I think the path there is

really through the gold subscriptions.

And then all obviously, them expanding

overseas. Now, whenever they get a gold

subscription, it's really just a higher

value customer overall. Nearly every

major new product launches to gold

first, and then the gold, you know, from

there it's gold credit card, banking,

and higher cash yield as other products

that, you know, someone may, you know,

subscribe into. So, management is

essentially building an Amazon Prime

style, kind of an Amazon Prime

membership in a way. So, once someone

subscribes, they're much more likely to

stay in the ecosystem for years. And to

me, this is like the same playbook every

single MBA seems to be teaching this

type of thing, or every business

graduate that ends up working for these

big companies ends up having the same

playbook. And guys, it's because it

works, okay? Getting someone into an

ecosystem, building a relationship,

building trust, that's that's the way to

do it. I mean, that's what I personally

do within my own coaching program. I

build a relationship, help students

scale, I help them get consistent, and

then we build together. That's my goal.

My goal is to give good experience,

okay? That's the same thing with

basically every single business. If

you're not building a relationship that

is prospering for both, you're doing

something wrong, all right? Now, in

terms of their other businesses, they

actually have 13 businesses generating

over $100 million annually.

So, that's that's amazing for Robinhood,

and over $3 billion in deposits. So,

this is kind of becoming like a bank,

and Robinhood wants to own the entire

wallet of their, you know, other

customers. So, they have about $17

billion in annualized purchase volumes

as well on their Robinhood credit card.

And I like that. That is amazing,

because now that they're doing banking,

they have credit cards, and I just think

that the stock where it was trading at

for $75 per share, a lot of people were

unsubscribing to my channel, saying that

I'm wrong. But guys, you know, if you if

you don't give up, you don't fail,

right? A lot of people they give up, and

they start getting upset, and I hate to

see it, because I'm trying to get to

500,000 subscribers. And man,

it's tough right now, guys. I want some

support if possible, but either way, I

see a lot of people just having that

negative mindset. The market's down, I'm

giving up. Guys, what happened to having

a long-term perspective? Aren't we

trying to get to a certain goal of

monthly cash flow, which is what I teach

on this channel? Or aren't you trying to

get to an end kind of retirement figure?

We don't have to do it today, right? I

mean, volatility is expected. If you

expect the market to only go up, I mean,

that's like delusional thinking. That's

not how the world works. So, when I see,

you know, where Robinhood was, where it

is right now, and I think again, $119

per share, we kind of have a really nice

opportunity here. Really really kind of

beautiful opportunity, if you ask me. A

lot of investors stepped in here, and a

lot of analysts also raised price

target. You can see here from 95 to 124,

um from 82 to 122. I mean, analysts have

raised their price targets. The stock

momentum has increased. Now, we're kind

of back down here despite really good

earnings. So, I see a really kind of

huge mismatch here with Robinhood. And,

you know, to some of my um students I've

been saying a hundred covered call, or

even actually a poor man's covered call,

which I'll talk about a little bit on on

Palantir as well, has been one of the

most attractive strategies that I have

personally kind of um done myself for

for Robinhood and for Palantir, which

coming up right now. Let's go into

Palantir stock. Um Palantir, beautiful.

I've been in the stock since IPO. Been

talking about Palantir uh since

September 2020, actually. You can go

back to some of my videos. But, look,

they um they reported good earnings, as

we can see clearly, 17%. Management's

vision is is working out. Uh Alex Karp

doing good things. Revenue was 1.94

billion dollars, up 93% year-over-year.

That is insane. And, the street had

expected 1. 81 billion dollars. EPS came

at 41 cents versus 34 cents. And, US

commercial revenue was up 149%. That is

That is bonkers, guys. That's

That's crazy. Now, also US government

revenue was up 90% year-over-year. And,

the CEO, Alex Karp, he called the

quarter otherworldly. That was his word

for it, okay? He argued that companies

increasingly want AI sovereignty,

keeping control of their own data and AI

models instead of relying entirely on

large AI labs. He also criticized

business focus on simply buying AI

tokens or APIs rather than building

durable AI capabilities. Now, Palantir

didn't just beat expectations, they also

raised full year guidance by nearly I

can't even believe it, 500 million

dollars, from roughly 7.66 billion to as

much as 8.16 billion. That's an

unusually large increase for a company

of this size and suggests that

management is seeing demand accelerate.

The most most metric wasn't really total

revenue, It was US commercial revenue,

which again, as I said, 149%

year-over-year to $764

million. This shows that AI adoption is

spreading rapidly across enterprise

customers, not just government agencies.

And that's what I've been saying every

video I have made that has included

Palantir. An organization's data is its

treasure. Okay, that's what the CEO

said. And its richness is the alpha. He

argued that a company's operational data

is its competitive advantage and it

should be protected rather than handed

over to AI model providers. So, I have a

finance, economics, and business

analytics degree. And I was mainly

focused on statistics back in university

because I saw exploding data and my

professors were saying that data was

going to have to be analyzed by someone

and, you know, this is going to be

making a major impact for businesses

making decisions. Okay, and again,

there's a confirmation from Alex Karp.

And I'm glad that I actually studied

this because it's helping me become a

better investor today. I've been

extremely spot-on on Palantir since

September 2020 when Palantir went

public. Now, the CEO, he went to Central

High School in Philadelphia where I

personally graduated as well. And that's

how I knew about this company pre-IPO.

And I am happy to be a shareholder in

Palantir right now. And what I think is

going to happen is I've said this is a

$170 to $180 stock. I think that's going

to happen in the first half of 2027.

Now, whether you have a big portfolio or

a small portfolio or you're a beginner,

I think Palantir is a great opportunity

for someone to do a poor man's covered

call strategy. This is a video that I

recently made on my channel. I'll give

you the quick summary of what a poor

man's covered call is. Similar to a

covered call, but you're using a LEAP

option instead of shares to act as a

replacement for your shares. So, I'll

have the video at the end of this video

in just a moment. But for Palantir, I am

still bullish and I think that we got

20, maybe $30 more to go in the next,

you know, 6 to 9 months here. Now, I

want to wrap up quickly with Nvidia.

Nvidia is trading for, you know, $208

per share. I like the stock and I'm

trading it weekly in my Discord

community. I believe currently it's a

great value and I have a large position

in it personally. So, I'm going to

continue to update you guys on Nvidia.

There's not a whole lot going on with

Nvidia. It's going sideways, but it has

earnings later on this month. So, if

you're subscribed, I'll give you an

update on Nvidia going into earnings

before they end up reporting. And if you

want the poor man's covered call

strategy that I just mentioned on

Palantir that I'm currently running

right now that I also have in my

community. If you want to check out the

poor man's covered call strategy, you

want to learn more about it, the one

that I just mentioned about Palantir,

then you can check out this video on the

screen right now. Thanks so much for

watching and I'll see you there.