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SoFi Short Report Response

SoFi Short Report Response

Bradley Freeman

Mar 17, 2026 9 min read

Table of Contents

  • 1. Charge-off Ratios
  • 2. LPB-based Mis-Statement of Debt & Overstating EBITDA
  • 3. Whole Loan Sales Drying Up & Loan Accounting
  • 4. Dilution Machine
  • 5. Final Thoughts

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