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anthony noto

T2 · manager / operator

Chief executive of SoFi since 2018; previously COO at Twitter and investment banker at Goldman Sachs.

2 calls·1 name·100% bull·last heard 2 months ago·Bloomberg Tech
track record

no scored calls yet — needs a stated position or a categorical verdict, with a matured window vs SPY

top calls

highest conviction · one per company
1sthigh conviction
$SOFISoFi Technologiesposition

SoFi CEO raises revenue outlook but holds earnings flat to fund AI-driven growth

19th consecutive quarter of 40% revenue growth with 30% EBITDA margins; AI cutting engineering squad size from 7 to 4 while maintaining output, plus fraud detection and customer service automation, but earnings held back to sustain long-term revenue growth.

Bloomberg Tech2026-07episode →

most discussed · click a bar to filter

  • $SOFI

recurring themes

  • Enterprise AI Adoption2
2 total
$SOFI
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SoFi Technologies
HIGHanthony noto·Bloomberg Tech·2 months ago·SK Hynix Slips Ahead of Big Tech Results | Bloomberg Tech 7/29/2026· position
SoFi CEO raises revenue outlook but holds earnings flat to fund AI-driven growth
19th consecutive quarter of 40% revenue growth with 30% EBITDA margins; AI cutting engineering squad size from 7 to 4 while maintaining output, plus fraud detection and customer service automation, but earnings held back to sustain long-term revenue growth.
"YOU ARE RIGHT, THE QUARTER WAS INCREDIBLY STRONG, OUR 19TH CONSECUTIVE QUARTER, 40% REVENUE GROWTH, $1.2 BILLION, OVER A BILLION DOLLARS OF CASH REVENUE. EBITDA MARGIN WAS 30%, RE…"
16:26
$SOFI
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SoFi Technologies
HIGHanthony noto·Bloomberg Tech·2 months ago·SK Hynix Slips Ahead of Big Tech Results | Bloomberg Tech 7/29/2026· position
SoFi CEO: 40% revenue growth, raising revenue guidance but holding earnings flat to fund AI-driven growth
AI delivering massive productivity gains in engineering (4-person squads matching 7-person output), fraud detection, customer service; SoFi Coach chatbot leverages unique cross-product data moat; keeping earnings guidance flat to invest in long-term revenue growth despite rate hike uncertainty.
"TODAY, A SQUAD CAN CONSIST OF FOUR PEOPLE THAT CAN PRODUCE THE SAME AMOUNT OF CODE AS SEVEN PEOPLE. THAT IS A HUGE PRODUCTIVITY SAVINGS. ... WE HAVE DATA CROSS CHECKING AND SAVING…"
15:40
8
Enterprise AI Adoptiontailwind
SoFi demonstrates AI productivity gains in engineering, fraud, and customer-facing chatbot
AI coding assistants compress engineering squads from 7 to 4 people; automation of fraud investigations and dispute resolution; proprietary cross-product data enables SoFi Coach financial chatbot; real-world ROI visible in fintech operations.
8
Enterprise AI Adoptiontailwind
SoFi cuts engineering squads 43% via AI coding; Beringea sees SaaS rebuild cost collapse
SoFi's AI reduces squad size from 7 to 4 for same code output; fraud investigation and customer service automated; Beringea portfolio company rebuilt SaaS product with AI at dramatically lower cost. Adoption speed determines moat sustainability.