Hello everyone,

I have looked at the stocks in my portfolio with my new but still incomplete knowledge of fundamental analysis and am of the opinion that some stocks are heavily overvalued.

Perhaps they will fall back to their fundamental value soon or at some point?

Yes, actually this is bound to happen in the long term.

So I'm wondering whether I should sell now and invest the capital in fundamentally favorable stocks or in my ETFs?

I also find it interesting that some stocks were already overvalued when I bought them and some only became overvalued later.

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In my opinion, some of the stocks in my portfolio are overvalued:

(not exhaustive)

Palantir $PLTR (-3,92 %)

Ferrari $RACE (-1,68 %)

Rheinmetall $RHM (-1,31 %)

Agree Realty $ADC (-2,73 %)

visas $V (-3,42 %)

Hermes $RMS (-3,23 %)

Microsoft $MSFT (-1,22 %)

Nu 😅 $NU (-3,87 %)

Asml $ASML (-1,01 %)

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On the other hand, I think they are favorably valued at the moment:

(some are not really cheap, but maybe worth buying)

Amazon $AMZN (-6,18 %)

Abc $GOOGL (-2,67 %)

Sofi $SOFI (-7,53 %)

Lockheed Martin $LMT (-0,66 %)

Berkshire $BRK.B (-3,05 %)

Caterpillar $CAT (-6,06 %)

Occidental Petroleum $OXY (-5,18 %)

Rio Tinto $RIO (-5,15 %)

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I think I probably wouldn't regret it if I just sold everything and put it in the $HMWO (-2,87 %) and put it in the But I enjoy individual shares and the risk is limited. Still, I would like to know how you read valuations and translate them into action decisions and what you think about my specific situation and would possibly act.

I am 18 years old and started investing last October.

I have a part-time job with an income of €350 a month.

I need this for my savings plan on

$NOVO B (-4 %)
$NKE (-5,64 %)
$SOFI (-7,53 %)
$CSNDX (-2,62 %)
$QBTS (-3,18 %) and $1211 (-12,72 %)

I follow the dividend strategy, but I also have a few non-dividend stocks in it because I think they have potential with an investment horizon of at least 10 years.

How would you rate my portfolio?

What is your opinion on Avance Gas?

Best regards and thank you very much for your feedback - it is very important to me!

$SOFI (-7,53 %)

SoFi is demonstrating its expansion by strategically growing its lending platform business and diversifying its revenue streams for sustainable growth.

SoFi Technologies' financial results highlight revenue growth and a significant transition to achieving sustainable profitability.

SoFi expands its premium membership program, demonstrating its commitment to enriching the financial lives of its growing member community.

While the stock has been volatile, it appears to have bottomed out and is slowly beginning to recover.

SoFi Technologies recently signed a major agreement to expand its lending platform business, securing a commitment of up to $5 billion from funds managed by Blue Owl Capital.NYSE: OWL, a leading asset management firm with over $250 billion in assets under management. This two-year agreement, the largest of its kind for SoFi, underscores its strategic focus on diversifying revenue sources and emphasizes fee-based revenue over capital-intensive loans.

Post-purchase!

Buy Sofi now despite the overvaluation and significantly lower buy-in? They have a good profit margin and have only been profitable since 24, hence my question.

$SOFI (-7,53 %)

$SOFI (-7,53 %)

SoFi Technologies will expand its lending platform business through a new agreement with Blue Owl Capital worth up to USD 5 billion.

The agreement is the largest of its kind that SoFi has concluded to date. It is more than double the size of the deal the US fintech company previously closed with Fortress Investment Group in October.

Blue Owl will use its funds under management, which currently amount to over 250 billion US dollars, to finance private loans made through SoFi's lending platform business.

This company acts as an intermediary for consumer loans and matches pre-qualified borrowers with lending partners. SoFi lent 2.1 billion US dollars last year and also lends on behalf of third parties.

The two-year deal with Blue Owl aims to "help more members invest their money properly while diversifying into less capital-intensive and more fee-based revenue streams," according to SoFi CEO Anthony Noto .

Instead of holding loans on its own books, the fintech company earns its money through fees and services rather than interest income.

The lending business is one of SoFi's three core business areas alongside financial services and technology. The company previously operated a crypto division, but ceased operations in December 2023.

https://www.fintechfutures.com/2025/03/sofi-lands-5bn-agreement-with-blue-owl-capital-to-fund-loan-platform-business/