SoFi Technologies (SOFI)

Muddy Waters Research · 2026-03

arc beats above · slides in the middle · loops below · scroll → 2 LOOPS

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Narrative range 5 total

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Expose Contradiction 2 slides 100% 2/2 slides 100% 2/2 slides · 16 hits

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50% 1/2 slides 100% 2/2 slides 100% 2/2 slides Appendix Data 2 slides 100% 2/2 slides 100% 2/2 slides · 13 hits

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100% 2/2 slides 100% 2/2 slides Executive Summary 1 slides 100% 1/1 slides 100% 1/1 slides · 10 hits

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Slide inventory

every slide · same image gating as the playbook

The arch illustration serves as a visual metaphor for the structural integrity of the company's financial reporting.expose_contradiction

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Includes a satirical image mocking the $38 target price.expose_contradiction

Open slide detailBeat · Expose ContradictionLoop · Pattern Hunter

This is a research note page from a short-seller report.expose_contradiction

Open slide detailBeat · Expose ContradictionLoop · Pattern Hunter

The slide provides primary source evidence (a UCC-1 filing) to support the author's interpretation of a financial transaction involving SoFi Funding PL VI LLC.analyze_data

Open slide detailBeat · Appendix DataLoop · Iceberg

The slide interprets legal terminology ('Assignee Secured Party' vs 'Debtor') to argue that SoFi Bank's interest in the asset was not fully extinguished.cite_precedent

Open slide detailBeat · Appendix DataLoop · Iceberg

Includes two screenshots of 10-K Exhibit 21 lists of subsidiaries to highlight the presence/absence of SoFi Funding.expose_contradiction

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The slide argues that the transaction was a borrowing, not a sale, and implies potential accounting fraud or misrepresentation by management.summarize

Open slide detailBeat · Executive Summary

other

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