BREAKING NEWS: $SOFI (+1,24 %) - The Biden administration has withdrawn its plan to forgive student loan debt for some 38 million Americans.

This should finally put it off the table.

To put it in perspective, although the Supreme Court had already ruled it unconstitutional, borrowers were once again to be exempt from paying interest on regular payments, receive US$10,000 debt forgiveness and not have to repay the loan at all below certain income limits. This new plan/attempt has now been dropped, resulting in $SOFI (+1,24 %) has led to a lack of income during Corona.

Who $SOFI (+1,24 %) do not yet know, please take a look:

https://getqu.in/M3ToeR/

🎅🎄🌲🚀

$JPM (+1,21 %) , $MS (+1,17 %) , $BAC (+1,1 %) , $C (+0,59 %) , $WFC (+1,26 %)

The stock market year 2024 is slowly coming to an end my dear investors!

I hope you were able to get the last-minute Christmas presents 👀 such as $NOVO B (-17,74 %) ?🥹

Time to review the year. Normally it's not my strong point to write such texts, but I still wanted to say a few words ✍️📖

I thought the stock market year 2024 was very full of ups and downs geprägt🌦️ especially the European companies like $ASML (-1,59 %) / $MC (-0,25 %) did very well at the beginning of the year, but the returns were lost again over the course of the year and we are now back to the beginning of the year 📈+/-📉 0.

Of course, not "all" shares have performed as erratically as the above-mentioned shares. Some shares simply continue to perform consistently well like $BLK (+0,12 %) or $MSFT (-1,05 %) 📈

That's why I find "stock market life" so exciting, thrilling and interesting, because not everything always goes equally well or badly. Otherwise everything would be too "monotonous", wouldn't it? 🫣

I don't want to go into individual titles now, otherwise this article won't be finished in 2 years' time 😂

Nevertheless, I think / hope that most of you were able to take the dips in some stocks well👏

My expectations for 2025 ?

Everyone is talking about a crash/correction📉 for next year etc... but I personally don't know people 🤷🏼‍♂️ I'll take it as it comes. Of course I hope to see a dip in some stocks again 👀 or get a second chance to get in or build up my position further. But we will see 🫣

I would like to highlight 3 GQ users who have added a lot of value, at least for me🎊

@Tenbagger2024 I think through you, you really see what many and at the same time unknown companies with massive potential exist in the world! You live up to your name 🫶

@Michael-official For me, there's no way around you for all company news/earnings! You are so quick with the quarterly figures, news 📰 and much more! that's crazy🤯 🗞️

@BamBamInvest of presentations from companies, you are really amazing!

So much information about a company like $SOFI (+1,24 %) you have to spend a lot of time 📖collecting information via various websites & so "short and informative" zusammenzufassen✍️ for the community here you first have to create 🙏🏽

You can expand your knowledge of the stock market considerably. "You never stop learning" 🤓 I think you have become a little inspiration on this platform for many investors here, including me🤙 Thank you for the inputbecause that's not a given.

I really enjoy reading your posts because it's just so interesting and informative at the same time!

I don't read that many posts and don't comment much on this platform. I'm more of a "silent observer" 🤫

Nevertheless, I would like to thank you for your day-to-day work, news, contributions etc. that you put together for us!

THANK YOU THANK YOU THANK YOU 🙏🏽♥️

At the end

I would like to wish all GQ users a Merry Christmas. Enjoy this wonderful time together. Reflect, think about the things that you have and that are really important to you in life. It's often the little things that matter, the things that you quickly forget in the rush of everyday life. Thinking about what you have, appreciating it and preserving it is what Christmas is all about.

Set priorities; fill your life with golf balls before you fill it with sand.

Happy New Year 2025! 🎇🎆

Above all, stay healthy!

🥂🍾Cheers to you! May your fortune continue to grow in 2025! 💥

Now a few questions for the group

How did you personally find the stock market year 2024?

What do you think the year 2025 will be like ?

Do you have any wishes, goals or ideas for next year?

Otherwise, have a nice evening!

Thanks for reading

See you 🫶

yours Aktienhauptmeister✌️

@BamBamInvest

Growth stock, hope to have more luck with the entry than with NU Holding.

@BamBamInvest

tried in vain $NU (-0,2 %) and $SOFI (+1,24 %) to support it.

🤣

Part of the profits realized...

Profits taken and invested in $NU (-0,2 %) reallocated

$SOFI (+1,24 %) - Insider purchase!

Eric Schuppenhauer, Executive Vice President and Group Business Unit Leader of Borrow, has bought 30,600 SoFi shares worth 500,000 US dollars. He is mainly responsible for the company's lending business.

He struck yesterday at $16.34. 🚀

The expense management company Mesh Payments chooses $SOFI (+1,24 %) as its sponsor bank.

Mesh Payments has selected Sofi Bank as its sponsor bank and continues to work with Galileo Financial Tecnologies , a subsidiary of SoFi Technologies, as its long-standing payment processor.

This partnership integrates Mesh Payments' spending and card infrastructure with SoFi Bank's financial framework and Galileo's customizable API-based payment processing platform, the companies announced in a press release Thursday (Dec. 12).

The combination of these capabilities will enable Mesh Payments to streamline enterprise spend management, reduce inefficiencies and deliver innovative solutions to its customers faster, according to the press release.

"They are the ideal partners to support our mission to provide companies with an efficient, forward-thinking approach to business travel and expense management," said Mesh Payments CEO Oded Zehavi in the press release.

Under the partnership, SoFi Bank's sponsorship program, built on Galileo's technology platform, will enable faster product development and Galileo's regulatory expertise will ensure that the solutions meet compliance standards, the press release said.

Companies using these solutions will gain real-time data, automation and a centralized view of their spend, which will benefit their operational efficiency, the press release said.

"With SoFi and Galileo under one roof, we are enabling partners like Mesh Payments to leverage Galileo's advanced cloud-based banking core. This allows them to bring new products to market faster, scale seamlessly and stay ahead of their customers' ever-changing needs," said Paul Meyer, President of SoFi Bank, in the press release.

In another separate and recently announced collaboration, Mesh Payments announced on December 2 that it had partnered with MRI Software to provide a unified expense management solution to companies in the real estate industry.

This collaboration will integrate Mesh's global corporate travel and expense management platform with MRI Software's real estate management platform, providing access to a unified global expense management solution.

In February, Mesh Payments announced the integration of its global card and expense management solution with Netsuite Oneworld , an enterprise resource planning solution for managing multiple subsidiaries.

This integration improves global spend management by streamlining intercompany transfers and synchronizing transactions between multiple companies. It eliminates the hassle of multi-company accounting and intercompany transfers while enabling seamless recording of transactions between companies and regions, the company said in a press release at the time.

Source: pymnts.com

I can't get enough of SoFi 🤣🤣🤣

@BamBamInvest

$SOFI (+1,24 %)

$TMDX (+1,52 %) - Company presentation part 2

Why $TMDX (+1,52 %) could be an opportunity - reasons and concerns

Positive:

• $TMDX (+1,52 %) Is a demand-driven business. Selling products that people need usually means that the products sell themselves. In any economic climate, there are people waiting for organs.

• The business model of $TMDX (+1,52 %) is very robust. When an organization buys an organ, it keeps the console. When it uses the organ, it immediately buys a new organ to replenish the console. If an organization wants to use the NOP service for transport only, the contracts usually provide for OCS to be used in some way, whether to house/monitor the organ during transport or to purchase OCS outright to house the organ once the organization receives it.

• The entire transplant industry is massively underutilized

• Why $TMDX (+1,52 %) wins in transplants:

$TMDX (+1,52 %) Could easily become a monopoly (especially NOP) or expand their lead. You start in a niche, dominate it and keep expanding.

• $TMDX (+1,52 %) the NOP logistics command center:

• Unique competitive advantage:

Concerns:

• $TMDX Has only recently become profitable and is inconsistent. You only reached profitability a year ago.

Net income:

Q4 2023: 4 million $

Q1 2024: 12.2 million $

Q2 2024: 12.2 million dollars

Q3 2024: 4.2 million USD

• In the last four quarters, costs have risen faster than revenue. This is something you don't want to see in a company that has recently become profitable.

• $TMDX (+1,52 %) Has about $330m in cash, but still has about $178m in net debt

• $TMDX (+1,52 %) would be a candidate for loss absorption. The share price has fallen sharply for half a year. For people who are still holding the share with a book loss, a sale now would be a good opportunity to offset this with profits from this year.

• The sentiment at $TMDX is at a multi-year low. Having just posted their first QoQ decline (although still up 64% y/y), the aesthetics of their rising sales, which has led to a 900% return on share price in 4.5 years, is ruined. If $TMDX (+1,52 %) delivers another disappointing quarter, it could leave a nasty taste in Wall Street's mouth in the long run, regardless of how well the business might be doing - much like $PYPL (-0,38 %) and $SOFI (+1,24 %)

• $TMDX has a very asset-heavy business model. They own a fleet of aircraft, they own hubs that store OCS consoles and maintain aircraft, they own vehicles for ground transportation. All these assets are not cheap to maintain. This is a very complex logistics network that needs to be utilized/utilized, as opposed to e.g. $SHOP (+0,9 %) , $PLTR (+6,35 %) and Co, whose entire business is based on software.

• The whole business depends on the generosity of others. Without donors, there is no business. It is not the case that $TMDX (+1,52 %) can ramp up/scale organ production to higher numbers. I could see NOP and renting out this fleet in the future, for medical purposes only, could be a great way to expand the monopoly on transplants.

• has a very niche business. There are only a limited number of people looking for a new organ. This will lead to some restrictions on business growth unless they expand at some point.

Bottom line:

I think $TMDX (+1,52 %) could be a good buy now. The current weakness in the numbers is fundamentally not due to weakness in the business, but it is being sold off heavily as if it is. Down 50% because the transplant industry as a whole is down ? Because more was spent this quarter on expanding the business for 2025 ? Because the QoQ increase could not be sustained due to aircraft maintenance ?

I will consider getting in, what stops me at the moment is that you can't control the supply, but if you continue to develop the technology and others also use your services, the growth should be able to be sustained.