Hannibal Smith and Stephen Guilfoyle have at least one thing in common.
Both love it when a plan comes together.
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Of course, John “Hannibal” Smith was a work of fiction, the leader of the “A-Team,” in the 1980s action-adventure TV series of the same name.
A brilliant tactician and a master of disguise. Hannibal was known for his cigar smoking, black gloves, disguises and catch phrase: “I love it when a plan comes together.”
Guilfoyle, on the other hand, is quite real. The veteran trader, whose career dates back to the floor of the New York Stock Exchange in the 1980s, borrowed the stogie-chomping TV icon’s signature line to describe his recent stock activity.
“Love it when a plan comes together,” he said in his recent TheStreet Pro column. “Well, let’s hope this plan doesn’t unravel as easily as it played out.”
Guilfoyle said three stocks — Palantir (PLTR) , Rocket Labs (RKLB) and SoFi (SOFI) — have been huge winners since they were trading at single-digit per-share prices.
SoFi CEO Anthony Noto says the company’s mission is to help people achieve financial independence.
Brian Ach/Getty Images for TechCrunch
SoFi CEO maintains a stake in the company
The veteran trader said that these stocks had all been under significant pressure since markets turned and growth became less highly valued.
SoFi, the San Francisco fintech, “is creeping back toward something very close to reflecting a single-digit handle in its per-share price,” Guilfoyle said.
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The company is led by Anthony Noto, a former Army linebacker who has held executive positions at Twitter and Goldman Sachs and who, Guilfoyle said, “has famously added to his personal financial stake in the firm on a regular basis while CEO.”
SoFi shares are up nearly 69% from a year ago but down 21% since January.
During the Bank of America Financial Services Conference, Noto characterized SoFi as a mission-driven digital financial services company.
“Our mission is to help people achieve financial independence to realize their ambitions,” he said. “Financial independence is getting to the point that you have enough money to do what you want.”
Noto says an underserved cohort of people in America struggle to get to that point.
“They’ve done well academically,” he said. “They’ve done well professionally. They’re making $100,000, or more in some cases, and they struggle to have the size family they want, to have the home they want, to live where they want, and to retire when they want.
“We think it’s a unique opportunity to partner with them.”
Trader: SoFi consistent in performance and growth
Guilfoyle said that during the conference, Noto said “we have more confidence than ever in our 2026 EPS guidance of $0.55 to $0.80 per share.
“And in addition to that from a return profile standpoint, we believe we can drive 20% to 30% return on equity as the business continues to scale and matures. In the near term, we’re committed to delivering a normalized 30% incremental Ebitda margin.”
Related: Veteran trader makes bold move on Palantir, Rocket Lab and SoFi
He said SoFi wanted to reinvest 70 cents of every incremental dollar on more engineers, “more product, more design, more marketing, better customer service, so we can continue to meet our members’ needs.”
Last month, SoFi finalized a loan platform business agreement, valued at as much as $5 billion, with the asset manager Blue Owl. The deal marked SoFi’s largest such agreement to date.
Blue Owl will leverage its managed funds, which currently exceed $250 billion, to finance personal loans originated through SoFi’s loan platform business.
SoFi also unveiled a multiyear partnership as the official bank and first presenting sponsor of the Country Music Association’s CMA Fest, the world’s largest and longest-running country music festival.
SoFi is scheduled to report quarterly results next month, and Guilfoyle said Wall Street expected the firm to earn 4 cents a share share on a GAAP basis on $742.2 million in revenue.
“Remember, the firm guided a little to the light side at the Q4 post-earnings conference call, so this does not surprise,” he said. “That would still be up from 3 cents for the year-ago comparison on year-over-year revenue growth of almost 28%.”
For the full year, the Wall Street consensus is EPS of 27 cents a share, up from 15 cents, on revenue growth of 22.5%.
Projected fiscal 2026 numbers are for earnings growth of 74% on revenue growth of a little more than 19%.
“This firm has been consistent in its performance and growth if not anything else,” said Guilfoyle, who reiterated his $18.50 price target. At last check the stock was up 3.1% at $12.28. The target indicates upside of 51% from there.
Related: Veteran fund manager unveils eye-popping S&P 500 forecast
