Timothy Sweeney @Tim_Sweeney_TAR Twitter profile | Pikagi

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Timothy Sweeney

@Tim_Sweeney_TAR

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Joined November 2022

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 days

$sofi JUST FOR FUN!!! WHAT DO YOU WANT IN A CREDIT CARD? A hypothetical survey, not affiliated with Sofi. THESE ARE NOT SOFI PRODUCT OFFERINGS. Which of these hypothetical Sofi credit cards would you want to help you get your money right? (4%, 0%, 14% or 8% max interest rates

Sofi 4Life Card

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Sofi Zero Card

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Sofi Platinum Card

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Sofi Titan-IUM Card

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

6 months

@RabbiWolpe They need to stop this oppressor/oppressed agenda... the idea that someone from a particular race is an oppressor because 50, 100, or 400 years ago someone from their race did something is relying on victimhood instead of merit to advance in society. How about just work harder?

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

25 days

$sofi #sofi @StockMarketNerd @DataDInvesting @FunOfInvesting @Futurenvesting @Kross_Roads @Micro2Macr0 OK, WHAT THE HECK IS SOFI DOING IN 2024? (SOFI FOR DUMMIES) Warning -this is a long post but I think informative (feel free to share or repost it). [Not all the

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

$SOFI Almost all this bear thesis about accounting and fair value accounting is noise. FV accounting is intended for assets that are typically sold. If you hold those assets, they don't require amortization of premiums immediately but over the term of the loan. But holding

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

18 days

$sofi Working on the rewards and terms of potential sofi credit offerings.. more details as I develop it but here's my general ideas "SOFI 4 Life" Gold card Which would have almost no defaults and is tied to a savings vault with no interest but can have effective interest rates

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

12 days

$sofi Why Sofi’s next focus should be a credit card? In your journey to GET YOUR MONEY RIGHT, what do you need. You need to save money by refinancing those high student loans? YES CHECK! You need to save money by taking out a personal loan to pay off your high interest rate

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

$sofi The common misconception that some analysts have with sofi is a misunderstanding of its business. They concentrate on what accounting rules are being used (and often don't really know those rules that well). They compare sofis business with other banks, and yes, it is a

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

$sofi there are 33 million small businesses in the US that have an average bank balance of $12,000... if sofi could get 2% of those accounts, that would be $80 billion of deposits

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

$sofi Someone following up on the post I wrote about Sofi that Noto reposted asked me why Sofi would slow down their lending if they weren't capital constrained. I partially responded in another post that I thought that 92-95% decline in lending projected for the year was

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

5 months

@BillAckman @ByKLong Wouldn't it be funny if someone stole the passages from his wife and put it on wikipedia

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

14 days

@EverythingSOFI @amitisinvesting @ramahluwalia Well since he's now dropped is discount rate argument, the capital constraint argument, the fair value argument and focuses only on defaults and bank valuation metrics.. there's really nothing to talk about

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

16 days

$sofi I've been working on modeling the terms and benefits of my credit card ideas for Sofi. LOW INTEREST CARDS Sofi 4 Life - Gold Card 4% interest rate 1% rewards Lower credit limits No defaults Effective Comparable Sofi return 19% Net return 14.5% Sofi Plus -Net Zero

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

14 days

@anthonynoto @EverythingSOFI @amitisinvesting @ramahluwalia I don't think he's talking to you Ram

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@lawofruby He's not going to testify!!

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@FunOfInvesting @SoFi I'm hoping they decided to replace the $300 rewards fur setting to an account with 35 shares of sofi stock locked in a vault for 3 years.... at 4 million new members, they could not roughly 14% of the float and give it as marketing expense to new members...

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

24 days

@FunOfInvesting Yes I will. Look forward to discussing sofi, my post and questions.

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@DataDInvesting Almost all this bear thesis about accounting and fair value accounting is just noise. FV accounting is intended for assets that are typically sold. If you hold those assets, they don't require amortization of premiums immediately but over the term of the loan. But holding

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

$sofi $hood If you're intrigued by the hood gold card, please go read the fine print... to keep those bonuses your money is tied up for years and if you miss a minimum payment they take back the rewards. The rewards seem great but guess who also has great rewards - CASINOS

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

14 days

@ramahluwalia @EverythingSOFI @amitisinvesting Go check your own texts from last year... you were wrong about the discount rate, you were wrong about sofi couldn't do anything to boost their capital ratios, and I think you argued that buying back convertible debt wouldn't result in increased capital ratio, you definitely

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

6 months

$sofi over the next few days, I'm going to be contacting some investment bankers I know to determine the value of the 1.1 billion of convertible debt on sofi's books... it is about 3 years remaining before it's due with a conversion price of about $22...

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

$Sofi SOFI TECH AND CUSTOMER INFORMATION ADVANTAGE One of the benefits Sofi has as a bank is its access to customer data. When making loans or credit card decisions, Sofi often has the direct deposit data of its customers. Sofi, therefore, generally knows its customers' cash

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

3 months

$sofi Alter reason to retire the preferred not discussed. You save $40+ million in interest. That interest reduced fully diluted eps because that preferred is debt for accounting purposes but for tax purposes it's stock and you get no interest deduction - see IRS Regulation 385

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

$sofi if you use the money gained by share dilution to increase eps by amounts greater than otherwise would be, that's good dilution. If you issued a million shares for a business with huge eps... you have share dilution but it could make current shareholders value way higher

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

6 months

$sofi thanks for the downgrade Compass Point and Wedbush

Tweet media one

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

5 months

@fopminui @dom_lucre Be careful with deer.... they are smart and mean

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

25 days

@StockMarketNerd @DataDInvesting @FunOfInvesting @Futurenvesting @Kross_Roads @Micro2Macr0 The post had an error... it should have stated that if they bought back all the convertible notes, they would have over 300 million in gain that would add 8x or 2.4 billion in loan capacity Sorry

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

5 months

@eorden I can't imagine a New York lawyer not also being a member of the federal courts in the NY federal district...

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

20 days

Very good summary of my interview with Sofi Weekly, the meat and bones 30 minute version If you want the full 90 minute version... Or

Tweet card media

Expert Debunks SoFi Misinformation (Ep. 83)

0:00 Intro0:24 Tim's Background & Life Insights1:41 SoFi's Lending Segment Decline & Loan Sales4:46 SoFi's underwriting & coupon rates5:48 Lending Segment, R...

www.youtube.com

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

$sofi $ hood I own hood and sofi. But I hope @anthonynoto does not blindly follow this credit card lead.... Americans are very crafty at taking advantage of weak credit underwriting and default. For ex. 2008 mortgages. hood is doing a soft fico score check allowing 690.. RISK

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

@amitisinvesting People need to remember that sofi growth in financial services still has the best 2 drivers, NO FEES AND HIGHER INTEREST,there are no good options for small business accounts who get charged huge fees and no interest.if sofi is first to offer small business accounts. Game changer

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@siyul Most of the financial percentages are not that significant to me... you can look at absolute growth in dollars, members and dollars per member. Then look at cash flows. Percentages of totals by segment will show you how relative growth is doing coupled with percentage increases

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

23 days

@DataDInvesting I actually added some clarifications and corrected some typos.. thanks Chris

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

23 days

@hoomansv You should have said much more knowledgeable

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

17 days

$sofi Here's a marketing suggestion to look into. Sofi has NFL NBA & WNBA TGL but I'm at the LA Costa Resort for the Women's NCAA golf championship Totally impressed with the diversity, skill and poise of these athletes NCAA golf championship golf is really growing in

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

19 days

@DataDInvesting How about the universities lower their ridiculous tuition and fees to pay college professors who really aren't interested in teaching

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@Futurenvesting He literally has no real experience. He's stuck in the 90s banking. He's an adjunct professor teaching economics at Mercy college. Hasn't worked in any financial capacity for more than a decade. Obviously didn't know anything about the current world of banking since he admittedly

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

14 days

@anthonynoto @EverythingSOFI @amitisinvesting @ramahluwalia Ty @anthonynoto

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

$sofi With sofi's recent transactions, people argued its dilution - sofi issued shares to retire some of its older convertible debt. Yes,there's some share dilution, no book value dilution ( in fact accretion). dilution is good or bad depending on how you spend the money gained

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

6 months

@mysteriouskat They need to stop this oppressor/oppressed agenda... the idea that someone from a particular race is an oppressor because 50, 100, or 400 years ago someone from their race did something is relying on victimhood instead of merit to advance in society. How about just work harder?

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

3 months

$sofi just so everyone knows that this reduction sofi did isn't a transaction that could not have been anticipated or out of the ordinary.. here's my post from last November someone reminded me

Tweet media one

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@ramahluwalia Yes, that's the textbook way of discounting cash flows. Very similar to what I taught students at the University of Michigan 40 years ago. And, I've seen that hundreds of times attached to valuation reports as a starting point from valuation experts in court. So, it

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@ramahluwalia First, every trader and investor takes advantage of that trend, even sofi bulls. That won't change until larger profitability. That's not the genius move you describe. The discount that they adopted is consistent with 1.2 billion of sales. Since discount rates measure risk and

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

1 month

$sofi sofi earnings beat across the board, but their lower 2nd qtr guide and Noto not ruling out a capital raise hurts price.KEY-sofi hit 2c a share eps while running off 100 million or 10c a share of fair values in loan book against that eps. Without that run off - 12c more eps

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

13 days

@ramahluwalia Well, you mispelled my name so that's a non starter. Also, before you throw out remarks that are not true, you may want to consult counsel.

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

6 months

$sofi Thanks Again for the Downgrade Compass Point and Wedbush

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

3 months

$sofi. So there's been a lot of news about sofi's capital structuring activities and she accurate and inaccurate explanations. This is a very complex set of transactions likely interrelated. Very few people here could explain them in detail. Continued...

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@VeracityStocks Not at all, they just don't know the fair value accounting methods... and more importantly, they ignore it when it's explained to them... they are being disingenuous at best. When they said no way out of being captain constrained, do you think they didn't know sofi could simply

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@giulianoab $sofi Your analysis is complicated by the accounting rules for debt v equity and preferred shares with guaranteed payments being a hybrid instrument and the rules about extraordinary items and the difference between eps and fully filled eps..... if you don't

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

24 days

@ramahluwalia @StockMarketNerd @DataDInvesting @FunOfInvesting @Futurenvesting @Kross_Roads @Micro2Macr0 That's a fair comment. As a bank, it is all about capital, defaults and spreads. Its always easy to determine capital from the financials, but spreads and more likely defaults are not that transparent in any bank. There are however legitimate ways to manage those defaults and

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

$sofi..contin Warren Buffet is famous for buying good businesses, especially when others fear short-term economic trends. But having consulted for some of his companies, I'll tell you -- HE BUYS GREAT MANAGEMENT.

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

$sofi there lots of number crunching in analyst reports... comparing sofi to lending club or market default rates. This is the problem with people who never have managed any business. Under their theories, 2 restaurants next to each other should have the same net income.

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

5 months

@AliAlmousawi86 @JustLuai @jacksonhinklle Sounds like what you're doing

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

I really wish the republican and democratic parties would concentrate on fixing problems rather than gaming the system so they can win and be in charge. It's pretty much a bunch of high school student council kids We could do better by just having a national referendum on issues

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

@DataDInvesting This thesis he has might make sense in a rising rate environment and a slow down in lending generally. Sofi foresaw these fair value issues and that's why they decided to increase underwriting standards that would slow loan growth but also increase fair values of new loans

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

3 months

$sofi But remember, investment bankers, attorneys, and accountants love these transactions because they can add value to companies. However, there's an over emphasis on the transactions and calculating of there's 2% or 4% dilution. At the end of the day, its about management

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

$sofi $hood Hood just put up the marketing ploy of a century. Our card has no annual fee.. well, except for the $5 a month fee, but it's a monthly fee so it's not an annual fee

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

1 month

@MattJFreedom @DrEliDavid Say it. By either side?

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

6 months

@masoud_ahmed How about just breaking free from hamas

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

1 month

@StockMarketNerd @amitisinvesting Also, since they ran off over 100 million of fair values in the loan book against income or about 10 cents per share and still hit profitability of 2 cents is very meaningful

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

5 months

@Morgayze @BillAckman @NeriOxman That's just not true

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

7 months

@AndrewDudum Let's encourage hamas to surrender

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

1 month

@MattJFreedom @DrEliDavid And Hamas cares about killing as many jews as possible. Why not encourage Hamas to surrender?

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

1 month

#ColumbiaUniversityProtest Seems kind of strange that college kids believe it's violence to not use the proper pronouns for people when you have no idea what they are. But it's not violence to take over buildings, threaten people, attack people and interfere with people's lives

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@DataDInvesting Chris, dont underestimate yourself. You do a great job

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

25 days

@bmurphy69420 @StockMarketNerd @DataDInvesting @FunOfInvesting @Futurenvesting @Kross_Roads @Micro2Macr0 First, adding sofi to an index will boost its share price but it doesn't change the underlying value of a business. Regarding a market based pe ratio, that's also not exactly how you would value a business for sale.. it's a metric for market comparisons. That being said, I

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

6 months

@ArtCandee @bennyjohnson Costco

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

13 days

@DeuceCabooseSki I didn't read it yet.. they could be new loans or loans out of inventory, either way yes no fv write off.. and if it's inventory, they actually gain the fvs

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@FunOfInvesting @SoFi I keep giving my consulting ideas to sofi for free lol

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

6 months

Back of the envelope comp. would suggest a greater than 30% discount. For every 100 million of debt Sofi repurchases, it would have over $ 30 million gains. If it buys 400 million, it would have a gain of about 120 and capital ratio relief of almost 1 billion and 13c earnings

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

@DataDInvesting And alllow them to amortize other fair values lower while maintaining overall fair values and lowering average default rates... he's a bit late with this analysis, and the fed just helped sofi. This is not going to be a problem if sofi manages this as they said. Defaults are key

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

$sofi On several occasions, I suggested on here and private charts that sofi offer an expanded rewards credit card for a fee that was secured by a customer's brokerage account. I'm betting that's what $hood just did. Extra benefits are from no defaults

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

$sofi $hood If hood offers a card w To everyone without securing it, the $5 monthly fee won't help them

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

19 days

$sofi As we discussed on Sofi Weekly.. inflation at 3% with food inflation a bit higher

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

3 months

@GG__capital A bit of an exaggeration. That would be over 2 billion in shares v less than a billion... and they not only have the varied call they have the right to pay off the conversion in cash, shares or cash and shares

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

3 months

@siyul @VadimKotlarov No, the answer is it doesn't make any difference.. if you approach this like an analyst... you'll never understand business investing. If you were buying sofi as a business... and you were doing due diligence, what would you spend time on... how they calculate fair values which

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

21 days

The math is wrong from my typo... I meant to type 8 billion not 80 billion or 4 billion for every percent..20 % would have been 80 billion

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

1 month

#fed If the fed decides that they need to increase rates or even keep rates the same for the rest of the year, it will be a bigger mistake than it's inflation is transitory decision

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@BigBullCap At those same investor conferences, which I believe were in December with only a couple weeks left in the quarter, sofi stated that it would have 4th quarter profitability and substantial ongoing profitability. If that's true, that profitability would counter all the jpm

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

1 month

@DataDInvesting I think it was 2nd qtr lower guidance, alright that was similar to first qtr guidance, which even after the one time gain they beat... and his answer to the Austin Air do you intend to raise more capital where his answer wasn't great. Lawyers won't let him say no, but not great

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

14 days

@DeuceCabooseSki Well, if the argument was all the code was in the cloud in servers in Columbia, that may be relevant. That's clearly not the case. If he's saying that for some reason, banking software and Bank needs are substantially different in lat am banks, maybe that would make sense. I

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

11 days

@anthonynoto @DataDInvesting My son was 10 and I traveled a lot... he was playing little league, and although I went to his games, I relied on coaches, etc. He was a fairy big kid but was hitting last. The next year, I worked with him, and he was on the all-star team. After excelling in Little League

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@FunOfInvesting In fact, you always hear on X and you tube this is not legal or financial advice. This is legal advice, don't do it

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@DataDInvesting @BankingIp @siyul @VadimKotlarov @ramahluwalia People argued 2 months ago that Sofi couldn't restructure the convertible debt and it wouldn't increase their income and capital when I brought it up. And that's exactly what they did. And they are likely to do more of it. In fact, it's pretty common to do, and many good

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

1 month

@XSecular_ @OliLondonTV @Columbia Why is this guy not attacking hamas for their genocidal goals and attacks, as well as their failure to surrender to save their citizenry from war

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

19 days

@DataDInvesting The problem is that college and university administrators and teachers want to be paid corporate level salaries for simple administration and teachers who don't teach very well. I taught college courses for 3 years... in my last year, none of my students attended the

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

HE FED The fed kept saying inflation was transitory and waited too long to increase rates. With the fed stopping support through the bank term funding program (BTFP) in March, and commercial loan issues becoming problematic, and credit card delinquencies rising, it seems like

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

1 month

Parents should cut these kids off... get a job... oh wait that's violence

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

5 months

@EndWokeness The wheel is absolutely correct except for one thing.. it's not the wheel of oppression it's actually the wheel of who works the most and pays the most taxes

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

1 month

@DataDInvesting The 2 cents is even more remarkable because they ran off over 100 million of fair values from the loan book.. that's 10 cents per share

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

@FunOfInvesting Tevis, Sofi could offer a better high end card easily by securing it effectively through a brokerage account and not only matching the 3% but charging way lower interest rates... because defaults will be close to zero on that offering.. @anthonynoto Offering lower interest wins

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

25 days

@westcort1 @StockMarketNerd @DataDInvesting @FunOfInvesting @Futurenvesting @Kross_Roads @Micro2Macr0 The length of the post has nothing to do with risk. In fact, it explains in detail why there's not risk in many areas, and it explains the real risk in detail. Why didn't they just issue stock? Because they take away a lot of the dilution with the capped calls; they have the

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

12 days

@marketswithmay Exactly

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

@FunOfInvesting That would consistent with the 2026 older convertible notes that exchanged their interest for shares, then selling short a number of those shares and now delivering the shares they received...

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

14 days

@amitisinvesting That's not exactly the way to analyze it.. they give up that say $90 to get that $90 deposit that earns them what 1-2% of that amount. I'm a shareholder but I have concerns

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

2 months

@DataDInvesting If the convertible bonds convert into 90+ million shares...50 million shorted from delta hedging is not unusual

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

6 months

$sofi This is what bank disruption looks like! Wells Fargo CEO warns of severance costs of nearly $1 billion as layoffs loom

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

1 year

@PhilGalfond @DougPolkVids Phil, lost respect for you. You spent most of the post patting yourself on the back for how nice and moral you are.. then you go all out in attack mode. Why? You could have said the same thing in 3 small paragraphs or could have done it privately. You did it for you. Bad look!

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

4 months

@RandolphDuke7 Where did you get this article, so u can go tell the guy who writes it to take an accounting class and learn the gaap better

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

3 months

@DataDInvesting Chris. If the stock was at 15 by the end of the year, you might not get any conversion. They wanted to redeem the preferred. and this is simply a way to do that and exchange debt for debt at a relatively low dilution. You're right if its done as a sole and separate transaction

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

18 days

@Infinitespaceax @anthonynoto

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@Tim_Sweeney_TAR

Timothy Sweeney

@Tim_Sweeney_TAR

1 month

@Amandasmylife @AugustLund0 @McClellanOsc Yet you have no problem with hamas and Iran clearly and consistently advocating genocide of the jews in Israel

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