00:00 Introduction to Non Consensus Investing
00:28 Welcoming Giuliano and SoFi Discussion
01:28 Giuliano's Background and CompassPoint
04:52 Deep Dive into SoFi's Business Model
13:08 Valuation and Accounting of Personal Loans
17:57 Fair Value Accounting and Market Comparisons
39:16 Credit Performance and Default Rates
43:43 Impact of Management Assumptions on Earnings
47:44 Earnings and Revenue Quality Analysis
49:18 Tech Business Potential and Challenges
51:14 NBA Sponsorship and Marketing Strategy
54:33 Mortgage Servicing Rights Explained
54:51 Mr. Cooper Group: A Deep Dive
01:04:23 SoFi's Loan Quality and Growth Strategy
01:23:57 Life as an Analyst: Insights and Challenges
01:30:16 Conclusion and Final Thoughts
Connect with Us Online:
Watch the video on Youtube: https://www.youtube.com/@Lumida_Wealth
🌐 Website: https://www.lumidawealth.com
🐦 Twitter Follow us on https://twitter.com/LumidaWealth
🎵 TikTok: https://www.tiktok.com/@lumidawealth
📸 Instagram: https://www.instagram.com/lumidawealth
📘 Facebook: https://www.facebook.com/lumidawealth
