To The Moon

Below is a detailed compilation of my Top 3 most-watched stocks. I have asked Grok at helping me compile this summary by providing Grok with the key variables required in this analysis such as a brilliant CEO Anthony Noto for SOFi , not to mention being the next Banking Giant of tomorrow and then Elf Beauty and how they are slowly taking market share by having a presence In just about any outlet including their drive into Europe, and then the key for AMD being that they are not in direct competition to Nvidea, that they have their own unique space in this evolving AI space.

### 1. SoFi Technologies (SOFI)

#### Stock Price Overview

- **Current Price (July 5, 2025)**: $18.57 USD

- **2-3 Year Peak (2022)**: $24.95 (January 2022, based on historical data from Yahoo Finance and Nasdaq)

- **2-3 Year Low (2022)**: $4.61 (December 2022)

- **Percentage Increase from Low to Current**:

- From $4.61 to $18.57: (($18.57 - $4.61) / $4.61) * 100 = **302.82%**

- **Percentage Increase from 3 Years Ago (July 2022, ~$5.86)**:

- From $5.86 to $18.57: (($18.57 - $5.86) / $5.86) * 100 = **216.89%**

#### Company Overview

SoFi Technologies, Inc. is a fintech platform disrupting traditional banking by offering a one-stop shop for financial services, including personal loans, student loans, home loans, investing, banking, and crypto services. Operating in the U.S., Latin America, Canada, and Hong Kong, SoFi’s segments include Lending, Technology Platform (Galileo and Technisys), and Financial Services (SoFi Money, SoFi Invest, etc.). With over 10.1 million customers and nearly 15 million products as of Q4 2024, SoFi is a leader in digital banking.[](https://finance.yahoo.com/quote/SOFI/)[](https://stockanalysis.com/stocks/sofi/)

#### CEO Anthony Noto’s Vision

Anthony Noto, a former U.S. Army Ranger, Goldman Sachs partner, NFL CFO, and Twitter COO, has been SoFi’s CEO since 2018. His leadership has transformed SoFi from a student loan refinancing platform into a diversified fintech powerhouse. Noto’s strategy focuses on:

- **Diversification**: Shifting revenue from lending (80% in prior years) to a balanced mix with Technology Platform and Financial Services now contributing 50% of revenue. This reduces reliance on interest rate-sensitive lending.[](https://www.thestreet.com/technology/sofi-stock-analyst-unveils-new-price-target-after-earnings)

- **Customer Acquisition and Cross-Selling**: SoFi uses low-cost financial services (e.g., SoFi Money) to attract customers, then cross-sells high-margin products like loans and investments. This “ecosystem” approach drives customer retention and revenue growth.[](https://www.tipranks.com/stocks/sofi)

- **Innovation and Technology**: Investments in Galileo and Technisys enable SoFi to provide technology solutions to other financial institutions, creating capital-light revenue streams. Noto’s recent push into crypto, including plans for lending against crypto assets, leverages a favorable regulatory environment under the Trump administration.[](https://www.thestreet.com/investing/stocks/veteran-trader-turns-heads-with-sofi-technologies-price-target)

- **Profitability Focus**: SoFi achieved five consecutive quarters of positive GAAP net income in 2024, with adjusted net income of $227 million, a stark improvement from a $54 million loss in 2023. Noto projects EPS of $0.68 by 2026 and 20-25% annual EPS growth thereafter, targeting $1.25 by 2029.[](https://www.fool.com/investing/2025/02/04/anthony-noto-fantastic-news-sofi-investors/)

#### Market Share Strategy

SoFi aims to become a leading digital bank by:

- **Targeting Younger Demographics**: SoFi’s mobile-first platform appeals to millennials and Gen Z, who prefer digital banking over traditional institutions like Wells Fargo or Bank of America.

- **Expanding Product Offerings**: New products like crypto trading and stablecoins aim to capture emerging markets.[](https://stockanalysis.com/stocks/sofi/)

- **International Expansion**: SoFi is eyeing growth in Latin America, Canada, and Hong Kong, leveraging its Technology Platform to scale globally.[](https://simplywall.st/stocks/us/diversified-financials/nasdaq-sofi/sofi-technologies)

- **Capital Efficiency**: Securitizing over $14.5 billion in personal loans reduces balance sheet risk, freeing capital for growth.[](https://investorplace.com/2024/05/ceo-anthony-noto-just-bought-another-28860-shares-of-sofi-stock/)

- **Brand Building**: Partnerships (e.g., with Benzinga) and marketing enhance brand visibility and customer engagement.[](https://www.cnn.com/markets/stocks/SOFI)

#### Competitors and Market Position

SoFi competes with:

- **Neobanks**: Chime, Revolut, and N26. SoFi’s recent stock surge was partly fueled by Chime’s IPO success, signaling strong investor appetite for fintech.[](https://stockanalysis.com/stocks/sofi/)

- **Traditional Banks**: Ally Financial, Discover Financial.

- **Fintech Peers**: Upstart, PayPal, Robinhood, Coinbase, Affirm.[](https://finance.yahoo.com/quote/SOFI/)

SoFi is taking market share from traditional banks by offering lower-cost, user-friendly digital services and from neobanks by providing a broader product suite.

#### Why a Portfolio Must-Have?

SoFi’s stock has surged 302.82% from its 2022 low, reflecting strong investor confidence in Noto’s vision. Its diversified revenue streams, robust customer growth (800,000 new members in Q1 2025), and re-entry into crypto position it as a fintech leader. Despite a high valuation (P/S ratio of ~5.6 based on $2.7 billion 2024 revenue and $18.99 billion market cap), its projected EPS growth and innovative platform make it a compelling long-term investment.[](https://www.fool.com/investing/2025/02/04/anthony-noto-fantastic-news-sofi-investors/)[](https://simplywall.st/stocks/us/diversified-financials/nasdaq-sofi/sofi-technologies)

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### 2. e.l.f. Beauty (ELF)

#### Stock Price Overview

- **Current Price (July 5, 2025)**: $130.98 USD

- **2-3 Year Peak (2023)**: $169.74 (August 2023)

- **2-3 Year Low (2022)**: $55.30 (May 2022)

- **Percentage Increase from Low to Current**:

- From $55.30 to $130.98: (($130.98 - $55.30) / $55.30) * 100 = **136.80%**

- **Percentage Increase from 3 Years Ago (July 2022, ~$58.00)**:

- From $58.00 to $130.98: (($130.98 - $58.00) / $58.00) * 100 = **125.83%**

#### Company Overview

e.l.f. Beauty is a rapidly growing cosmetics company known for affordable, high-quality, cruelty-free products. It operates in the U.S. and internationally, with a strong presence in mass retail and e-commerce. e.l.f. has gained significant market share in the color cosmetics market, ranking as the #1 mass color cosmetics brand in the U.S. by units sold in 2024.

#### Market Presence and Expansion Strategy

- **Current Presence**: e.l.f. products are sold in over 2,000 retail stores across the U.S., including major retailers like **Target**, **Walmart**, **Ulta Beauty**, and **CVS**. Its e-commerce platform and social media presence (e.g., TikTok-driven viral campaigns) have boosted brand awareness among younger consumers.

- **Europe Expansion**: e.l.f. is aggressively expanding in Europe, particularly in the UK, Germany, and France, through partnerships with retailers like **Superdrug** and **Douglas**. The company is leveraging its value-driven pricing to penetrate price-sensitive European markets, competing with established brands.

- **American Retail and Dollar Shops**: e.l.f.’s presence in over 2,000 dollar stores (e.g., **Dollar General**, **Family Dollar**) and mass retailers has made it accessible to budget-conscious consumers, driving unit sales growth. Its strategy focuses on affordability (products typically $3-$10) and innovation (e.g., clean beauty, vegan formulations).

- **Global Growth**: e.l.f. is also expanding in Canada, Australia, and Asia, capitalizing on the global demand for affordable, trend-driven cosmetics.

#### Market Share Strategy

e.l.f. is taking market share from:

- **Legacy Brands**: L’Oréal, Maybelline, Revlon. e.l.f.’s low prices and clean beauty focus appeal to Gen Z and millennials, eroding the dominance of traditional brands.

- **Premium Brands**: It competes indirectly with Estée Lauder and Coty by offering comparable quality at a fraction of the price.

- **Direct Competitors**: NYX, Milani, and ColourPop. e.l.f. differentiates through viral marketing, social media engagement, and rapid product innovation (e.g., new product launches every 3-4 weeks).

- **Strategy**:

- **Digital Marketing**: e.l.f.’s TikTok and Instagram campaigns create viral product trends, driving demand.

- **Retail Expansion**: Increasing shelf space in mass retailers and dollar stores.

- **Product Innovation**: Expanding into skincare and clean beauty to capture broader market segments.

- **Sustainability**: Its cruelty-free and vegan branding resonates with environmentally conscious consumers.

#### Competitors

- **Direct**: NYX, Milani, ColourPop.

- **Indirect**: L’Oréal, Maybelline, Revlon, Estée Lauder, Coty.

e.l.f. is gaining share by undercutting competitors on price while maintaining quality, with a 20% market share in U.S. mass cosmetics by unit sales in 2024.

#### Why a Portfolio Must-Have?

e.l.f. Beauty’s stock has risen 136.80% from its 2022 low, driven by its dominance in the mass cosmetics market and international growth. Its focus on affordability, digital marketing, and clean beauty aligns with consumer trends, ensuring sustained growth. Despite a high valuation (market cap $7.12 billion), its consistent revenue growth (50%+ YoY in recent quarters) and expansion potential make it a must-have for growth-oriented portfolios.

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### 3. Advanced Micro Devices (AMD)

#### Stock Price Overview

- **Current Price (July 5, 2025)**: $137.91 USD

- **2-3 Year Peak (2023)**: $174.23 (December 2023)

- **2-3 Year Low (2022)**: $64.77 (October 2022)

- **Percentage Increase from Low to Current**:

- From $64.77 to $137.91: (($137.91 - $64.77) / $64.77) * 100 = **112.92%**

- **Percentage Increase from 3 Years Ago (July 2022, ~$80.00)**:

- From $80.00 to $137.91: (($137.91 - $80.00) / $80.00) * 100 = **72.39%**

#### Company Overview

AMD is a leading semiconductor company specializing in CPUs, GPUs, and AI accelerators. Its products power data centers, PCs, gaming consoles, and AI applications. AMD is a key player in the AI chip market, competing with Nvidia while serving a growing demand for AI hardware.

#### Market Share Strategy in AI

AMD does not need to surpass Nvidia to thrive, as the AI chip market is projected to grow from $235 billion in 2024 to $631 billion by 2028. AMD’s strategy includes:[](https://www.fool.com/investing/stock-market/market-sectors/information-technology/ai-stocks/)

- **MI300 Series AI Accelerators**: AMD’s MI300X and MI300A chips compete with Nvidia’s H100 and A100 GPUs, offering competitive performance at lower costs. These chips are gaining traction in data centers, with clients like Microsoft and Meta adopting them.

- **Data Center Growth**: AMD’s data center segment grew 115% YoY in Q1 2025, driven by AI chip demand. The company is expanding production capacity to meet this demand.

- **Software Ecosystem**: AMD’s ROCm platform competes with Nvidia’s CUDA, providing an open-source alternative for AI developers. This reduces dependency on Nvidia’s proprietary ecosystem.

- **Diverse Portfolio**: Unlike Nvidia, which focuses heavily on GPUs, AMD’s portfolio spans CPUs, GPUs, and FPGAs, allowing it to serve varied markets (gaming, PCs, cloud computing).

- **Partnerships**: Collaborations with TSMC for chip manufacturing and cloud providers like AWS strengthen AMD’s supply chain and market reach.

#### Competing with Nvidia

- **Market Positioning**: Nvidia dominates with an 80%+ share of the AI GPU market, but AMD is carving out a niche by offering cost-effective alternatives. For example, the MI300X offers similar performance to Nvidia’s H100 at a lower price point.

- **Market Opportunity**: The AI market is large enough for multiple players. AMD’s focus on open-source software and diverse chip offerings appeals to customers wary of Nvidia’s dominance.

- **Edge AI and PCs**: AMD’s Ryzen AI processors target edge devices (laptops, IoT), a segment where Nvidia has less presence. This diversifies AMD’s AI revenue streams.

- **Supply Chain Advantage**: AMD’s partnership with TSMC ensures stable chip production, mitigating supply constraints that Nvidia has faced.[](https://money.usnews.com/investing/articles/artificial-intelligence-stocks-the-10-best-ai-companies)

#### Competitors

- **Direct**: Nvidia (AI GPUs), Intel (CPUs, AI accelerators).

- **Indirect**: Qualcomm (edge AI), Broadcom (networking chips).

AMD is taking share from Nvidia in cost-sensitive data center applications and from Intel in CPUs and edge AI.

#### Why a Portfolio Must-Have?

AMD’s stock has risen 112.92% from its 2022 low, reflecting its strong position in AI and semiconductors. Its diversified portfolio, cost-competitive AI chips, and growing data center revenue make it a compelling alternative to Nvidia. With AI demand surging, AMD’s strategic focus on open-source software and partnerships positions it for significant growth, making it a must-have for tech-focused portfolios.

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### Why These Stocks Are Must-Haves

1. **SoFi Technologies (SOFI)**: Under Anthony Noto’s leadership, SoFi is redefining digital banking with a diversified, capital-light model. Its 302.82% rise from its 2022 low and projected EPS growth of 20-25% annually through 2029 highlight its potential as a fintech giant. Its focus on younger demographics and crypto expansion ensures long-term relevance.

2. **e.l.f. Beauty (ELF)**: e.l.f.’s 136.80% stock increase since 2022 reflects its dominance in the mass cosmetics market. Its expansion into Europe, presence in over 2,000 U.S. stores, and viral marketing strategy position it to continue taking share from legacy brands like L’Oréal and Revlon.

3. **Advanced Micro Devices (AMD)**: AMD’s 112.92% stock rise since 2022 underscores its role as a key AI chip player. Its cost-effective AI accelerators, open-source software, and diverse portfolio make it a strong complement to Nvidia, capitalizing on the $631 billion AI market opportunity by 2028.

#### Portfolio Recommendation

These stocks are ideal for a growth-oriented portfolio:

- **SOFI**: High-risk, high-reward fintech with strong leadership and diversification.

- **ELF**: Stable growth in a defensive consumer sector with global expansion potential.

- **AMD**: Balanced tech exposure with significant AI upside without relying on Nvidia’s dominance.

Together, they offer exposure to fintech, consumer goods, and AI/semiconductors, diversifying risk while targeting high-growth sectors. Always consider your risk tolerance and consult a financial advisor, as valuations (e.g., SOFI’s P/S ratio, ELF’s premium) suggest potential volatility.

The provided information is for educational purposes only.

Trust you enjoyed the article Tigers, let me know how you see these 3 stocks unfolding in the future.

Key note : It's about time in the market for long term Investors.