Bourbon Capital
Stocks to Buy and Hold for the Next Decade (Part 2)

1. $SOFI - SoFi Technologies

SoFi has evolved from a single-product lender into a diversified digital financial ecosystem with bank-level economics, software-like margins, and expanding fintech infrastructure capabilities.

The company operates as a modern, mobile-first financial platform targeting younger consumers across personal banking, lending, investing, and crypto.

Product adoption continues to accelerate, with 1.6 million new products added in Q4, bringing the total to over 20 million products, up 37% YoY.

Member growth remains a key driver of long-term expansion. In Q4, SoFi added a record 1 million new members, bringing total membership to 13.7 million, up 35% YoY. This marked the first quarter in the company’s history with more than one million net additions.

SoFi has reached an important inflection point. The company has delivered positive net income since 2024, while Adjusted EBITDA reached $318 million in Q4 (+60% YoY), representing a 31% margin, exceeding management’s long-term 30% target. Full-year EBITDA reached $1.1 billion (+58% YoY) at a 29% margin, reinforcing SoFi’s transition from growth-at-all-costs to durable profitability.
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Michael Fritzell (Asian Century Stocks)
From Nicholas Smith @ CLSA. Much ado about nothing? https://t.co/l6qsU9xx30
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Clark Square Capital
RT @TheAppInvestor: This has been a good 5 days, thanks @ClarkSquareCap for the idea! https://t.co/XvEDWIGApA
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Michael Fritzell (Asian Century Stocks)
RT @InvestInJapan: JPX launched the JPX Start-Up Acceleration 100 Index focused on "high growth start-ups" that trade on TSE.

Although to be honest, not sure how useful this is..
Current constituents below with some familiar names.
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Michael Fritzell (Asian Century Stocks)
RT @paulg: Prediction: In the AI age, taste will become even more important. When anyone can make anything, the big differentiator is what you choose to make.

https://t.co/3GQUlfH58t
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Dimitry Nakhla | Babylon Capital®
$APP CAGR Potential based on 2028 EPS estimates & different multiples:

Dec 2026: $15.68 (+67% YoY)
Dec 2027: $19.93 (+27% YoY)
Dec 2028: $25.80 (+29%)

CAGR assuming 2028 EPS Est:

26x → 20.6%
25x → 19.0%
24x → 17.3%
23x → 15.6%
22x → 13.8%
21x → 12.0%
20x → 10.1% https://t.co/TPT2n7QBnh
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Jukan
I've been at Citrini for a while now, and this is the first time I'm basically writing a report all by myself… I'm seriously pouring my soul into it. It's so exhausting. https://t.co/jWwxOKlhOY
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Brady Long
RT @thisguyknowsai: I reverse-engineered the actual prompting frameworks that top AI labs use internally.

Not the fluff you see on Twitter.

The real shit that turns vague inputs into precise, structured outputs.

Spent 3 weeks reading OpenAI's model cards, Anthropic's constitutional AI papers, and leaked internal prompt libraries.

Here's what actually moves the needle:
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The Transcript
$ABNB CEO: Airbnb’s defense against disintermediation is focusing on what AI can’t replicate

"A chatbot can give you a list of homes, but it can't give you the unique ones you find on Airbnb..." https://t.co/5lwQ6BVXcD
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The Transcript
RT @TheTranscript_: Microsoft commits to building frontier in-house foundationreducing OpenAI dependence

"We have to develop our own foundation models, which are at the absolute frontier, with gigawatt-scale compute and some of the very best AI training teams in the world" - $MSFT AI chief

[FT]
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