Another Interesting Podcast on SoFi

I posted some links yesterday that got taken down re: SoFi podcasts/videos for whatever reasons

Here's another interesting one that popped up in my feed today: https://open.spotify.com/episode/73PB1kfsKlBfVn92FyqX9G?si=MGK3ALJsRlm6t0CWmSibPQ

TL/DR:

• Plenty of momentum to keep attracting depositors, projecting 20% annual deposit growth over next five years

• Quantitatively showing scale in marketing + overhead costs that is driving profitability

• Explanation of fair value accounting

• Earnings projections out to 2030

• Not buying today at 4x book value, would buy at 5x - 8x projected 2030 earnings power

Is SoFi stock too expensive to buy today? Existing shareholders: are you holding? Trimming? Selling whole thing?

Curious everyone's thoughts after this monster run