Latest / Felix Nikolas Prehn's Podcast / Felix Prehn - BUY SOFI NOW & Don’t STOP BUYING + Stock Market News 15 September 2025

Transcript

Felix Prehn - BUY SOFI NOW & Don’t STOP BUYING + Stock Market News 15 September 2025 · Felix Nikolas Prehn's Podcast

• 0:00
  Speaker 1: What if I told you that there is a stock that could triple your money when interest rates start dropping very, very shortly?
• 0:06
  Speaker 1: Well, most people are missing this chance because they're only looking at the wrong stocks.
• 0:10
  Speaker 1: That was Winston, back there.
• 0:12
  Speaker 1: He came up with the idea for this investment, and if you're wondering who I am, my name is Felix Preen.
• 0:18
  Speaker 1: I used to work at an investment bank and now I've taught over 20,000 students how to invest inside our Goat Academy.
• 0:23
  Speaker 1: And today we're talking about SoFi ticker symbol, sofi and why this could be your best investment for 2025.
• 0:32
  Speaker 1: Before I walk you through the specific reasons why I am suddenly bullish again on SoFi, let me show you one little insight here from Trade Vision.
• 0:40
  Speaker 1: Yes, there's a stock chart here, but we've got something here that we call Dark Pool, which is institutional trades, and you can type so far in here, as I have done, and you see for the day literally live whether the market is bullish, bearish or something in between.
• 0:55
  Speaker 1: So for Friday, we were slightly bullish.
• 0:58
  Speaker 1: Let me change it to Thursday last week.
• 1:01
  Speaker 1: Well, we were very bullish.
• 1:02
  Speaker 1: Institutions, that is right.
• 1:04
  Speaker 1: On Wednesday, institutions were bullish.
• 1:06
  Speaker 1: Still, on Tuesday, they were slightly bearish.
• 1:10
  Speaker 1: On Monday, they were very bullish.
• 1:13
  Speaker 1: So you've got like a whole week, with only one day where they were slightly bearish, but overall the whole week.
• 1:19
  Speaker 1: Last week, institutions were piling in on this, setting up their positions where everybody else was asleep, so you might ask why.
• 1:27
  Speaker 1: If you think you're going to get some value out of this video, well, wait for what I've got in store for you.
• 1:30
  Speaker 1: I'm going to run a live one hour plus training where I will teach you not just when we buy, but, most importantly, when we sell, because that's where people really screw up.
• 1:42
  Speaker 1: It's actually not that they're buying the wrong thing most of the time, it's just that they miss the sweet spot of when to take profits.
• 1:48
  Speaker 1: I'm going to teach you that.
• 1:49
  Speaker 1: I call it the Wall Street Protocol.
• 1:51
  Speaker 1: It's the rules that I learned from my mentors who've done this 20, 30, 40, 50 years at one of some of Wall Street's finest banks, and it's a completely free.
• 2:00
  Speaker 1: It's just what we do because it's super fun and it's our mission to empower more people.
• 2:04
  Speaker 1: So you're going to join me for that.
• 2:05
  Speaker 1: You're going to show up for yourself Tuesday evening, 9 pm Eastern time.
• 2:15
  Speaker 1: That's New York time, 9 pm Eastern time, and it might be earlier for you if you're on the West Coast or if you're in Europe, it's the middle of the night for you.
• 2:19
  Speaker 1: I get that.
• 2:19
  Speaker 1: Maybe you want to learn, maybe you don't want to learn, it's entirely up to you.
• 2:21
  Speaker 1: But I'll be there for you, I'll teach you.
• 2:23
  Speaker 1: You're going to walk away with a huge amount of value.
• 2:25
  Speaker 1: Felix Frenzelbox's training link is down below.
• 2:27
  Speaker 1: But let's get back to SoFi.
• 2:28
  Speaker 1: Well, sofi isn't like an old bank, it's a modern financial company that actually works on your phone.
• 2:34
  Speaker 1: And there are three big things that could push SoFi's stock up bigly.
• 2:40
  Speaker 1: The first bigly thing is actually already starting to happen.
• 2:44
  Speaker 1: It is rate cuts.
• 2:45
  Speaker 1: Now, why do rate cuts benefit a company like SoFi particularly?
• 2:50
  Speaker 1: So a rate cut is what most people think.
• 2:54
  Speaker 1: Well, most people think it helps all banks the same way.
• 2:55
  Speaker 1: But guess what SoFi is special?
• 2:59
  Speaker 1: Sofi's original business was helping people get cheaper student loans.
• 3:04
  Speaker 1: That was the whole business.
• 3:06
  Speaker 1: Right now, government student loans.
• 3:09
  Speaker 1: Here is Albert who is in charge of all the FinTech around here.
• 3:13
  Speaker 1: He tells me so government student loans, I'm told, cost something like 6% to 9%.
• 3:21
  Speaker 1: Correct me if I'm wrong or not in the chat down below, but SoFi offers student loans from 3 point something percent up, which depends a bit on who you are so much, much cheaper I think 4.3% is the average right now, which is still much, much cheaper than the government.
• 3:40
  Speaker 1: So what happens when the Federal Reserve starts to cut rate?
• 3:42
  Speaker 1: Well, sofi's costs go down, so their rates go down even further, but they still have that competitive advantage against the government.
• 3:52
  Speaker 1: And therefore, if you're sitting in that 6% to 9% loan box and SoFi is now offering 3% loans or it's starting to offer 2% loans, well, what are you going to do?
• 4:03
  Speaker 1: You're going to call SoFi and say can I please refinance because I'd like to invest the difference.
• 4:08
  Speaker 1: That would be the smart thing to do.
• 4:09
  Speaker 1: Now you're thinking this is some small, highly risky fintech company.
• 4:14
  Speaker 1: Well, they used to make about a billion dollars in loans per quarter.
• 4:21
  Speaker 1: This is a pretty big beast.
• 4:24
  Speaker 1: So imagine what happens when getting cheaper loans becomes even more attractive.
• 4:28
  Speaker 1: Well, sofi gets a lot of their money from these guys originally.
• 4:33
  Speaker 1: Right Now, there's a problem here that most banks have that SoFi doesn't.
• 4:37
  Speaker 1: So this is your old dinosaur bank, right, which is, you know, some sort of building like that.
• 4:47
  Speaker 1: You get the idea it's an old bank.
• 4:49
  Speaker 1: And then you've got SoFi, which basically lives on your mobile phone, which is apparently a 1983, nokia.
• 4:58
  Speaker 1: And what's the advantage?
• 5:00
  Speaker 1: Well, what happens when rates go down for old banks?
• 5:04
  Speaker 1: Well, sofi.
• 5:05
  Speaker 1: Where do they get their money from?
• 5:07
  Speaker 1: The source of their money for SoFi is savings accounts.
• 5:11
  Speaker 1: So they have very cheap capital from your savings account Because a bank, by the way, when you put something in your bank account, thinks that money is now theirs because they've invested, Whereas all banks typically don't have that many deposits.
• 5:24
  Speaker 1: So they have to borrow and therefore they're essentially borrowing cheaper, they're lending cheaper.
• 5:31
  Speaker 1: The business is kind of the same thing.
• 5:32
  Speaker 1: Sofi has a lower cost for capital and their recent results reflect it 44% higher profit than a year ago.
• 5:45
  Speaker 1: It's extraordinary.
• 5:46
  Speaker 1: Sorry, not profit, this is revenue, because profit wait for this number.
• 5:52
  Speaker 1: 459% higher profit they added 850,000 new customers in the last quarter.
• 6:04
  Speaker 1: They now have 11.7 million million customers, going up 34% a year year.
• 6:12
  Speaker 1: And for those, all the important deposits, they have 30 billion in deposits.
• 6:21
  Speaker 1: This is no longer some funky little fintech startup and they're using their lower cost structure.
• 6:28
  Speaker 1: You know, I think on SoFi saving account, I think you get 3.8% APR and then on good old bank, on average they're paying something like 0.02% or something right.
• 6:41
  Speaker 1: This is your old bank, this is SoFi, so you get the idea why people are liking SoFi no minimum balance, no monthly fees.
• 6:54
  Speaker 1: They're just taking customers from traditional banks like it's candy.
• 6:56
  Speaker 1: Why?
• 6:57
  Speaker 1: Well, think about this.
• 7:00
  Speaker 1: Sofi versus old bank again.
• 7:01
  Speaker 1: This is what a lot of this is about.
• 7:03
  Speaker 1: Sofi, old bank, zero branches, right?
• 7:11
  Speaker 1: What about old banks?
• 7:13
  Speaker 1: Thousands of branches and that means thousands and tens of thousands of employees and rent and electricity bills and computers you got to buy and maintain and insurance and a thousand headaches.
• 7:25
  Speaker 1: So therefore, sofi just focuses on kind of youngish people who want everything on their phones, the people who grew up with smartphones.
• 7:33
  Speaker 1: They expect a modern, smart service.
• 7:34
  Speaker 1: And then what do they do with all these customers?
• 7:37
  Speaker 1: They have this cycle you buy something, buy something, and then you buy again, and by buy I mean you use another service.
• 7:46
  Speaker 1: So they have a 35% cross-sale ratio.
• 7:49
  Speaker 1: So if you go in and you open a savings account, there's a 35% chance you're then going to go and take out a mortgage or you're going to get a student loan, or you're going to get a credit card or you're going to use invest services or something else.
• 7:58
  Speaker 1: So the more products you use, well A you're going to stick with the company for longer and they're going to make more money out of you.
• 8:06
  Speaker 1: To summarize this, I think there are three reasons SoFi could explode.
• 8:14
  Speaker 1: It promises One, promises religion.
• 8:18
  Speaker 1: I think is probably the place to go for that.
• 8:20
  Speaker 1: But you are never 100% sure of anything, and I want to put that disclaimer in because it's important.
• 8:26
  Speaker 1: But how you deal with disappointment because we get disappointed sometimes with good companies Management does something stupid.
• 8:35
  Speaker 1: That's really what makes the difference is how you deal with disappointment, because we get disappointed sometimes with good companies.
• 8:36
  Speaker 1: You know management does something stupid is that's really what makes you the difference is how you handle that risk map.
• 8:37
  Speaker 1: If you want to learn that, come and join the live training I'm running felixfrenzorg slash training, because that will actually teach you not just the entry point but, most importantly, when we sell.
• 8:48
  Speaker 1: When do we actually sell?
• 8:49
  Speaker 1: Sell for profit or for a small loss?
• 8:50
  Speaker 1: When do we sell?
• 8:51
  Speaker 1: That's one of the key things I want to answer for you in the live training.
• 8:54
  Speaker 1: But let me give you the three reasons first.
• 8:56
  Speaker 1: So reason number one we have 1.8 trillion student debt in the US, which is an absolute scandal, if you're asking me.
• 9:07
  Speaker 1: But these guys can refinance and most of those are government loans at the higher rates, so Fed cuts rates.
• 9:12
  Speaker 1: The differential between government rates and SOFI rates for student loans becomes even bigger, and therefore More financing.
• 9:19
  Speaker 1: Lots and lots of it, lots of it.
• 9:21
  Speaker 1: And the second reason is SoFi's customers make, on average, $136,000 a year.
• 9:30
  Speaker 1: They have good credit scores, so these guys pay back their loans.
• 9:35
  Speaker 1: They use more services, so it's very important.
• 9:38
  Speaker 1: Number three crypto is back.
• 9:41
  Speaker 1: What does that mean?
• 9:44
  Speaker 1: Well, the last administration put a guy in charge of the SEC who seemed to loathe crypto and he basically made it impossible for banks to hold crypto and offer it as a service, and therefore you saw non-banks like, say, robinhood, not a bank.
• 10:00
  Speaker 1: They could offer it, but SoFi had to stop, and that seemed pretty weird.
• 10:04
  Speaker 1: Now that ruling, that rule has been removed.
• 10:07
  Speaker 1: So SoFi is bringing back crypto trading, and they're not just doing basic crypto.
• 10:12
  Speaker 1: They're planning advanced services Be able to borrow money using your crypto as collateral and they're working on international money transfers using blockchain.
• 10:19
  Speaker 1: That's it.
• 10:21
  Speaker 1: That's important Now, and this is.
• 10:24
  Speaker 1: I said three reasons, but here's your fourth who's keeping score?
• 10:28
  Speaker 1: What's an extra reason between friends?
• 10:29
  Speaker 1: The big, big, big advantage is that banking license and Robinhood's going to go and get themselves a banking license too, of course, but it takes a while.
• 10:40
  Speaker 1: It means that they can do crypto perhaps more safely, and it gives them, but it allows them to do lots of things other companies can't.
• 10:51
  Speaker 1: They can offer services that require special permission.
• 10:54
  Speaker 1: They can grow their business technology platform we're expecting 10 new business clients on that part as well and it lowers the cost of capital.
• 11:02
  Speaker 1: That's one of the beautiful things of banks.
• 11:03
  Speaker 1: You just open bank accounts and you put your $1,000 into that and now they're going to invest the money.
• 11:09
  Speaker 1: They invest like 90% of that money and that's a beautiful thing for a bank.
• 11:13
  Speaker 1: Maybe not so beautiful for you, but that's what we owe in the bank, right Through the shares.
• 11:18
  Speaker 1: So we've seen big institutional investors pouring into this, and we look at the stock chart and we go, yeah, this is actually running and running and running and running.
• 11:27
  Speaker 1: You know all-time highs and all that, but the way these breakouts work is that they continue.
• 11:33
  Speaker 1: Typically, it's much, much more likely statistically that a company at all-time highs will go higher than one at all-time lows will go higher.
• 11:41
  Speaker 1: So what do we look for?
• 11:42
  Speaker 1: Well, we look for the tops here.
• 11:44
  Speaker 1: So we have a high here.
• 11:46
  Speaker 1: We have a high here.
• 11:47
  Speaker 1: We have a high here, we have a high here, there and there, basically all at the same point, right?
• 11:51
  Speaker 1: So to me, where we are right now slightly above that, so sort of call it 2650.
• 11:58
  Speaker 1: That's, for me, the buy point.
• 11:59
  Speaker 1: That doesn't mean you should run out and buy it.
• 12:00
  Speaker 1: I'm going to set up some risk management around this.
• 12:03
  Speaker 1: My position sizings are reasonable and I know exactly when to sell, and that's the important part.
• 12:09
  Speaker 1: But to me, this is one of those.
• 12:10
  Speaker 1: It's gone sideways for a little while and it seems ripe for the plucking because rates are going to come down and they're going to come down a lot and then a lot more.
• 12:21
  Speaker 1: So these, these businesses, the whole fintech sector is, I think, going to make a comeback.
• 12:26
  Speaker 1: And if you look at fintech, you can also just type fintech, etf into trade vision here, and it's always a great way to have a look at the sector and that will then tell you that fintech well, fintech in 2021 was 55% higher, right?
• 12:45
  Speaker 1: So there's a lot of room in that, and these companies have evolved a lot.
• 12:50
  Speaker 1: They're becoming a lot less risky because they're making money now, so they're no longer just some tech business.
• 12:55
  Speaker 1: They're now like a bank with profits and a tech business, so I like it.
• 13:00
  Speaker 1: That's all I got to say.
• 13:01
  Speaker 1: Really, let me know what you think of this down below and make sure you join me on Tuesday at foodex.