$SOFI (+0,3%)

On January 3, 2024, an investment bank called Keefe, Bruyette and Woods (KBW) downgraded the rating $SOFI (+0,3%) to "sell" with a one-year price target of USD 6.50.

This triggered the second worst day in the history of the share, which plummeted by 14%.

Funnily enough, they played the same game again this year 2025 , downgrading $SOFI (+0,3%) downgraded again right after the turn of the year, which again led to double-digit share price losses.

Keefe, Bruyette & Woods downgraded the share $SOFI (+0,3%) from "Market Perform" to "Underperform" and lowers price target from 8 to 7 US dollars

Somewhat implausible if you look at the analysis.

As fast as it went down, it is now going up again, more analysts since January 3rd with much higher price targets and better valuations.

Barclays analyst Terry Ma raises $SOFI (+0,3%) price target from 9 to 16 dollars

Just a few days after Deutsche Bank raised its SoFi price target from 11 to 14 dollars.

Timothy Switzer, analyst at Keefe, Bruyette & Woods, upgraded from "sell" to "hold".

$SOFI (+0,3%)

The institutional share is 49.9 % before the results of the fourth quarter

Results will be published on 27.01.2025

Short ratio still at 12.73% 🚀

$SOFI (+0,3%)
@BamBamInvest

Investing.com - Keefe, Bruyette & Woods (KBW) has downgraded its rating on SoFi Technologies Inc (NASDAQ: SOFI ), saying the fintech company's long-term earnings outlook appears challenging and does not justify current valuations.

KBW downgraded SoFi from "Market Perform" to "Underperform" but raised the price target for the company slightly from $7 to $8.

The brokerage noted that SoFi shares are up 57% in 2024 and have gained 100% since September due to investor optimism towards fintech companies as well as lower interest rates in the coming years.

However, KBW also noted that the stock's valuation is stretched even if the company can achieve its "ambitious" long-term goals. This left some pessimistic scenarios in play.

KBW pointed out that SoFi's 2026 earnings forecast - of $0.55 to $0.80 per share - would require "significant" revenue growth and a marked improvement in margins, which the brokerage said would be difficult to achieve.

Even if SoFi's most ambitious targets were met, the valuation appeared "stretched" and the risk/reward ratio was largely skewed to the downside.

"Even if we assume SOFI can generate ROTCE in excess of 20% (which is unlikely to be achieved until 2028 at the earliest), we forecast downside risk to shareholders of 46% from current levels in our base case scenario assuming a 10x earnings multiple," KBW analysts said in a note.

SoFi shares surged in late 2024 as investors bet that a Donald Trump presidency would bring less restrictive regulations to the fintech sector.

SoFi is a direct bank that offers personal financial services while providing technology services to other financial institutions.

https://www.investing.com/news/stock-market-news/sofi-tech-kbw-downgrades-to-underperform-on-doubts-over-longterm-outlook-3793472

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- BERNSTEIN raises the price target for MOLLER-MAERSK from DKK 9650 to DKK 9700. Underperform. $AMKBY (+1,28%)

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-JPM Securities downgrading $GOOGL (+0,15%)

-JPM Securities downgrading $UBER (+0,01%)

- BERENBERG lowers the price target for EVONIK from EUR 20 to EUR 18. Hold. $EVK (+0%)

- BERNSTEIN lowers the target price for DHL GROUP from EUR 42.50 to EUR 41. Outperform. $DHL (+0%)

- JEFFERIES lowers the target price for LINDE from USD 550 to USD 522. Buy. $LIN (+0,12%)

- $SOFI (+0,3%) Keefe, Bruyette & Woods Downgrades to Underperform PT to $7 from $8

-UBS starting the year again with some negative data for $AAPL (+0,21%) naming China an issues

How should I start? My portfolio has increased by almost 3.75 times, even though I've been struggling with a few problems since June and can hardly save any more.

My BAföG has not yet been approved, which is why I have to be financially cautious and hope that I can make ends meet with my remaining funds.

The year has been exciting - I can't guarantee you whether the figures here are accurate, and to be honest I don't think they are, because so far they've almost always been wrong. Nevertheless, it gives you a good insight into my portfolio.

And my goals for 2025? Honestly, I have no idea! I'll have to see how my studies and my life as a whole are going before I can set any concrete goals, but I'll have some fun: Here are my top and flop 5 that I still hold.

$SOFI (+0,3%)
$BTC (-1,49%)
$FWONA
$D05 (+1,83%)
$FTNT (+0,01%)

$AIXA (+0%)
$EVT (-0,36%)
$AFX (+0%)
$MRNA (+0,84%)
$CELH

I wish you all a happy new year!

year!

In addition to my World ETF core, I would like to invest in the following shares (partly via a savings plan) in the coming year.

How do you rate these shares?

Which of them would you also take or do you already have in your portfolio?

$CRWD (-0,14%) - Crowdstrike

$CRM (+0,1%) - Salesforce

$AVGO (+0,06%) - Broadcom

$ACN (+0,79%) - Accenture

$SOFI (+0,3%) - SoFi

$MELI (+0,09%) - Mercadolibre

$TSLA (-0,51%) - Tesla

$AXON (+0,13%) - Axon

$NU (+0,32%) - Nu Holdings (possibly)

BREAKING NEWS: $SOFI (+0,3%) - 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 (+0,3%) has led to a lack of income during Corona.

Who $SOFI (+0,3%) do not yet know, please take a look:

https://getqu.in/M3ToeR/

🎅🎄🌲🚀

$JPM (+0,06%) , $MS (+0,11%) , $BAC (+0,22%) , $C (+0,01%) , $WFC (-0,01%)

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 (+1,61%) ?🥹

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 (-0,22%) / $MC (-0,05%) 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 (-0,14%) or $MSFT (+0,09%) 📈

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 (+0,3%) 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.