The video discusses SoFi stock's recent performance, noting it's trading near its 52-week high and is up over 80% since 2025. The analyst had the stock rated as a buy until it reached an 85% year-to-date increase, then downgraded it to a hold. Now, investors are asking if they should buy the stock before earnings. The company is scheduled to announce quarterly results on Tuesday, October 28. The analyst says that in the most recent quarter, on July 29, adjusted net revenue growth was 44% year-over-year, the highest level in over two years, driven by high new members. Management aims to innovate faster to better serve members and increase financial guidance for 2025. A major growth driver is increased third-party lending. The analyst believes lenders are excited to invest in SoFi's personal loans due to interest rates exceeding 10%, which is better than 10-year government bonds at 4%. Additionally, new members have been added with 850000 new members this quarter, up 34%. The analyst indicates consumers are less interested in visiting local banks. The analyst advises to wait until after the earnings come out, the stock looks overvalued based on a DCF model with an intrinsic value of $19.13.