ARK Reddit Mentions | ChartExchange

Been digging into SoFi Technologies (SOFI) and wanted to lay out both sides before earnings on July 29. Curious what others think.
Bull case:
Q1 2026 revenue hit $1.10B, net income up 134%, record loan originations of $12.18B — all beat estimates
18 straight quarters hitting the "Rule of 40"
CEO Anthony Noto has been buying shares on the open market; ARK has been adding too
Expanding beyond lending: small business loans, an AI trading tool (Composer), new ETF (SFYI)
Down \~32% YTD, trading closer to 52-week low ($14.92) than high ($32.73) despite the growth — some see that as a gap worth buying
Consensus price targets ($21–$22.56) imply real upside from \~$18
Bear case:
Consensus rating is just "Hold," not "Buy"
March 2026 Muddy Waters report alleged accounting misstatements and undisclosed charge-off rates — still an overhang
Profitability and financial strength scores are weak (GuruFocus: 2/10 and 4/10 respectively), cash flow still deeply negative
GuruFocus fair value estimate (\~$16) and Simply Wall St. intrinsic value (\~$13.84) both sit below current price
Keefe Bruyette has an Underperform rating, $16 target
Bull case breaks if charge-offs cross 3.5% or the Muddy Waters allegations gain regulatory traction
Not a recommendation either way — just trying to get a clearer picture before earnings. What's everyone's read?

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