1. SoFi Technologies is a comprehensive financial platform with growing revenue and gross margins but remains unprofitable with a high P/E ratio. 2. CEO Anthony Noto has crafted a strong narrative that appeals to Millennials, who are set to inherit significant wealth and prefer digital financial solutions. 3. Major risks include a high P/E ratio, negative RoE and FCF, and competition from larger financial institutions adapting to Millennial needs.