2025-12-05 02:24:47

Fintech company SoFi Technologies has drawn market attention with its latest move—they plan to raise $1.5 billion through a public offering.

The offering price is set between $27.50 and $28.50 per share, representing up to a 7.1% discount compared to the previous trading day's closing price of $29.60. The company stated that the funds will mainly be used to optimize its capital structure and prepare ammunition for the expansion of new business segments.

Following the news, the stock price dropped 5.8% in after-hours trading, falling to $27.89. However, from a longer-term perspective, SoFi has been striving in recent years to shed its image as merely a lending business. Cryptocurrency-related services are one of the areas they are betting on, and third-quarter revenue has already reached a record high of $950 million.

The current question is whether the market will buy into this new share issuance plan. After all, a discounted offering is hardly good news for existing shareholders.

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BearMarketGardener

· 22h ago

Issuing at a discount and still betting on crypto, I really can't figure out this logic. --- More fundraising, more discount issuance—are all current FinTech companies this good at stirring things up... --- 950 million in revenue is impressive, but is it really worth it with this much dilution? --- Wait, are they really counting on cryptocurrency to save the day? That's hilarious. --- Shareholders are going to be bleeding this time. Not only is there a discount, but they also have to wait for returns from new business. That's quite a gamble.

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MoonMathMagic

· 12-05 02:52

Sofi is out to fleece investors again, issuing at a discount is just insane. A 7% discount? This deal is a total loss. I’m bullish on crypto, but a 30% discount sell-off is really brutal. Shareholders’ blood pressure is going to spike again—guess that’s the price of fundraising. Calling it “optimizing capital structure,” but really, they’re just short on cash, aren’t they? The crypto sector is holding up, but I just can’t accept this kind of fundraising approach.

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DegenDreamer

· 12-05 02:49

Sofi is issuing more shares again... trying to fleece the retail investors with a 7% discount. --- The crypto segment is a highlight, but this financing method is really disappointing. --- $1.5 billion... sounds like a lot, but existing shareholders are getting diluted again. I just want to know how they're going to spend this money. --- A 5.8% drop after hours shows institutions aren't really buying it either. --- Wait, their crypto revenue is rising. Is this share issuance an all-in bet? --- Issuing at a discount is a signal they're targeting retail shareholders—am I wrong? --- "Capital structure optimization"... same old excuse, just means they're short on cash. --- Sofi's future depends on whether their crypto segment can break out. Just relying on lending isn't exciting.

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shadowy_supercoder

· 12-05 02:48

Another discounted issuance, existing shareholders are going to be diluted again... SoFi wants to make a comeback with crypto? I seriously doubt it. Wait, $950 million in record revenue? I need to verify that data before I believe it. A 7% discount—are they testing the psychological limits of retail investors? Talking about optimizing capital structure, but it just means they’re short on cash. Just say it directly. Will the crypto division end up being another trap... I usually avoid stocks issued at a discount. SoFi’s bet on crypto is either going to be a huge win or a total disaster. Shareholders are going to be exhausted, facing dilution one after another.

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BlockchainDecoder

· 12-05 02:44

According to research, the signaling mechanism of this discounted issuance is worth in-depth analysis—the 7.1% discount rate is actually at a medium level in the history of financing, but the key issue lies in the market’s differing expectations regarding its capital allocation efficiency. From a technical perspective, SoFi’s cryptocurrency business expansion is indeed a growth engine, but can the single-quarter revenue growth of 950 million be sustained? This requires comparison with peer user retention rate data. It is worth noting that the after-hours drop of 5.8% exactly reflects existing shareholders’ rational pricing of the dilution effect—this is not panic, but rather a real-world demonstration of the efficient market hypothesis.

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BearMarketBard

· 12-05 02:35

Sofi's move is just diluting shareholders. If they want to issue shares at a discount, whoever wants to buy can buy, but I’m definitely not optimistic about it.

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WinterWarmthCat

· 12-05 02:33

Another discounted financing—existing shareholders are getting diluted again... Is SoFi really short on cash or are they just making a big bet on crypto? --- They're putting in $1.5 billion; whether the crypto segment can really take off is still up in the air, but shareholders are definitely taking a hit today. --- To put it bluntly, they're betting on a crypto comeback to turn things around, but this approach is really unfriendly to retail investors. --- A 5.8% drop after hours seems like a normal reaction—anyone would be upset by a discounted offering. --- Crypto revenue is growing nicely, but can they really use that to support the valuation? Feels a bit too optimistic. --- Wait, they have to offer a discount to attract buyers—doesn't that show the market isn't that optimistic about SoFi either? --- Raising funds to "optimize the capital structure"... translation: pay down debt? That makes me a bit uneasy. --- Existing shareholders get diluted, new shareholders are buying at a discount—who's really winning or losing here... --- If crypto really becomes the next growth engine, that's a different story—but first, they have to endure the pain from this round of financing.

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