SOFI's 97% Growth Is Real — So Why Is Everyone Sleeping On It?

Let's talk about the most confusing stock on the internet right now: $SOFI. Seeking Alpha's YouTube channel broke it down this week — 97.96% EBIT forward growth versus a sector average of 12.32%, and an EPS long-term CAGR of 38.44% compared to the sector's 11.75%. That's genuinely elite growth. The catch? Valuation is a dumpster fire (PEG ratio of 81x vs. sector's 1.02x) and cash from operations is negative $3.74 billion. Reddit's r/WallStreetBets crowd loves the growth story. Wall Street analysts are a collective shrug — 24 of them rate it a Hold. The vibes are chaotic.

Meanwhile, $V just quietly posted $11.2 billion in revenue, a 17% year-over-year jump — its fastest top-line growth in four years — and authorized a fresh $20 billion buyback. Cross-border volume up 12%. Payments volume up 9%. No drama, no negative cash flow, just a boring machine that prints money. X finance accounts barely mentioned it because apparently people only tweet about things that could blow up.

And then there's $HOOD, which missed on both revenue ($1.07B vs. $1.18B expected) and EPS, with crypto revenue cratering 47% year-over-year. The one bright spot? Prediction markets up 320% YoY — because of course the only thing growing at Robinhood right now is people betting on stuff. SOFI wants to be a bank, Visa already is the financial system, and Robinhood is basically a casino that occasionally does stock trading.