The video provides an analysis of SOFI stock. The presenter mentions that the stock is up 85% year-to-date at a current price of $28.44. He downgrades SOFI from a buy to hold/market perform due to his calculation of its intrinsic value at $18.77 indicating that the current price is overvalued with rising risks. The speaker discusses the revenue growth from 0.4 billion in 2019 to 3 billion TTM, representing a CAGR of 42%. The presenter also discusses the risks on Sofi having a big load percentage into personal loan market and the bad effects of this could take over Sofi. Although in the long term the speaker likes Sofi and has excellent prospects, because of the increase on Macroeconomic risks and that the shares are too high he changes the rating to market perform.