1 08:00 1004 I t 1 100 I E 1 E Rich Fury Introduction SoFi (NASDAQ:SOFI) just reported what turned out to be one of, if not, the best quarter in the history of the company, beating analyst estimates in Revenue, EPS, and guidance. This is despite a challenging macro environment with low consumer sentiment, high interest rates, and high inflation. And despite the triple beat on earnings — which the company has delivered multiple times over the course of its time as a publicly traded company — SoFi only traded ...

公司财务展望相关 - 高盛分析师Michael Ng重申对Sofi Technologies Inc SOFI的中性评级目标价为7.50美元公司将全年净收入预期上调至1.75亿 - 1.85亿美元（之前为1.65亿 - 1.75亿美元）[1] - Ng提高了2024、2025和2026财年的营收预估平均5%以反映公司对个人贷款和金融服务的最新展望[7] - Ng预计2024财年营收25.2亿美元（之前25.0亿美元）每股收益0.11美元（之前0.08美元）2025财年营收30.2亿美元（之前28.7亿美元）每股收益0.25美元（之前0.12美元）2026财年营收38.1亿美元（之前34.9亿美元）每股收益0.56美元（之前0.35美元）[8] 公司业务运营相关 - 分析师称随着公司将资本结构优化为使用低成本存款作为资金来源并改善金融服务板块内信用卡和投资产品的单位经济效益2024年全年调整后的EBITDA利润率应持续上升至25%[2] - 金融服务增长主要由于SoFi Money内更高的存款和支出水平带来的盈利改善SoFi Invest内更显著的资产管理规模（AUM）以及信用卡支出的增加公司季度末存款总计230亿美元（2024财年第一季度为216亿美元）Ng指出存款持续增长以减少对仓库融资的依赖[3] - 第二季度3.39亿美元的贷款收入超过高盛预估的2.84亿美元以及共识的3.00亿美元这是由约10亿美元的个人贷款发放额（42亿美元对比高盛预估和共识的32亿美元）所推动公司在保持严格的承销标准的同时推动了贷款发放增长[4] - 公司第二季度90天个人贷款拖欠率降至64个基点（第一季度为72个基点）鉴于公司个人贷款年化净冲销率为3.84%（较第一季度的3.45%上升）在本季度6900万美元的逾期贷款资产出售使其表现较好（经调整后约为5.4%）贷款表现仍将是关注焦点[5] - 尽管对消费者健康的担忧增加但个人贷款发放量42亿美元远高于高盛和Visible Alpha共识的32亿美元公司客户群倾向于优质客户另外公司将2024年技术平台板块增长预期下调至中高百分比（之前为同比20%增长）因为大型交易的启动比预期要长特别是在拉丁美洲[6] - 公司金融服务板块增长和存款增长的前景提高以及公司连续第三个季度实现GAAP净收入为正等其他前景令人鼓舞[7] 公司股价相关 - 截至周三的最新检查SOFI股价上涨4.04%至7.725美元[8]

Let's draw some lines and have a good time! SoFi Technologies (NASDAQ:SOFI) just posted a highly positive second-quarter 2024 financial report. This could allow the buyers to take control of the stock's price action. With just a few chart lines, a quick SOFI technical analysis will surely convince you that SoFi stock is on its way to $10 or even higher. Just to recap, SoFi Technologies' Q2-2024 adjusted net revenue of around $597 million beat Wall Street's consensus estimate of $565 million. Furthermore, So ...

文章核心观点 - SoFi是一家在2021年通过SPAC上市的金融科技公司,但自上市以来一直表现不佳,2024年下跌24%,过去一年下跌36% [1][2] - SoFi的定位是成为千禧一代的金融超市,提供批发服务给其他银行,以及银行和经纪服务给年轻消费者,但最终并未实现预期 [2] - SoFi的问题在于它是一家银行,2022年初收购了Golden Pacific Bank,但银行业务一直未能盈利 [3][4] 公司概况 - SoFi从2012年开始,专注于为年轻、信用风险较高的客户提供服务,如学生贷款再融资,但受到了拜登时代贷款暂停的影响 [4] - 尽管SoFi的客户数量不断增加,但盈利能力一直较弱,直到2022年第四季度才实现首次公司层面的盈利,最近一个季度的每股收益仅为1美分 [5] - 分析师们曾经看好SoFi的股票交易、加密货币和技术服务等业务,但现在大多已经放弃了这只股票 [6][7] 业务表现 - SoFi的存款业务表现良好,为直接存款且每月存入5000美元的客户提供4.6%的存款利率,这部分业务是盈利的 [9] - SoFi的技术平台业务也表现不错,第二季度收入9500万美元,三分之一为利润,为其他银行和经纪商提供第三方服务 [10] - 但SoFi的经纪业务SoFi Invest表现较弱,收入仅增长1%,占总收入的20%,被Robinhood等竞争对手超越 [11][12] 未来展望 - SoFi正在努力将SoFi Invest定位为面向年轻投资者的智能投顾服务,提供一些优惠措施吸引客户 [12] - 整体来看,SoFi正在通过各项业务的协同发展实现收入和利润的增长,其面向千禧一代的定位也已经初步确立 [13] - 未来5年内,SoFi的股价有望达到15美元左右,但不会出现大幅飙升 [16]

BlackJack3D/E+ via Getty ImagesSoFi (NASDAQ:SOFI) presented another strong earnings card for its second fiscal quarter on Tuesday that reflected the second-highest amount of net account additions in the Fintech’s history. SoFi acquired 643k new members in Q2’24 which led to the highest amount of quarterly revenues ever reported. The Fintech also raised its guidance for FY 2024 EBITDA and revenues a second time this year, which in part is due to a strong product growth, especially in the financial servic ...

文章核心观点 - 公司股价在过去三年中下跌了一半,今年以来下跌超过25%,而标普500指数却上涨近15% [1][2] - 分析师最初看好公司的原因包括:公司提供一站式金融服务、计划收购银行获得国家银行牌照、预计收入和会员增长迅速 [4][5][6][7] - 分析师最终决定卖出公司股票的原因包括:公司增长没有达到预期、贷款违约率上升 [11][12] 公司概况 - 公司提供一站式金融服务,包括贷款、保险、股票交易等 [5] - 公司计划收购银行获得国家银行牌照,以降低贷款成本、提供更多产品和服务 [6] - 公司过去三年会员和收入增长迅速,但增长速度正在放缓 [10][11] - 公司最近两个季度实现盈利 [10] 行业动态 - 公司被CNBC评为全球顶尖金融科技公司之一 [8] - 公司不断推出新产品和服务,保持创新 [8] - 公司收购银行获得国家银行牌照 [9]

The financial services business is growing at an 80% clip.SoFi (SOFI 1.23%) reported another strong quarter in Q2 2024, and this time, it was financial services that drove the company forward. In this video, Travis Hoium goes through the numbers and shows why this is just the beginning of the company's growth.*Stock prices used were end-of-day prices of July 30, 2024. The video was published on July 30, 2024. ...

文章核心观点 - SoFi Technologies Inc.（NASDAQ:SOFI）在过去18个月内一直保持"买入/强烈买入"评级，平均价格为8.1美元 [2] - SoFi在Q2 2024财报中表现出色，超出了市场预期，包括营收、调整后EBITDA和GAAP每股收益等指标 [12] - SoFi的业务呈现多元化发展趋势，贷款业务占比下降，技术平台和金融服务业务占比上升 [40][60] - SoFi预计2024年全年营收和利润将继续保持强劲增长 [54][55][57][59] 分组1 - SoFi的贷款业务在Q2 2024保持健康增长，但净息差和非利息收入有所下降 [15][17][20][21] - SoFi的贷款规模快速增长得益于存款基础的同步扩张，但市场对其存款基础和信贷风险有所担忧 [21] - 尽管宏观环境不确定,但SoFi的贷款质量仍保持良好,不良贷款率预计不会超过8% [22][27][28] 分组2 - SoFi的技术平台业务收入增长较慢,但贡献利润大幅提升,体现了良好的盈利能力 [32][33][34][36] - SoFi的金融服务业务增长迅速,收入和利润均实现大幅增长,成为公司新的增长引擎 [40][41][42][43][44][45] - 整体来看,SoFi正在实现业务多元化和利润结构优化,未来发展前景看好 [47][48][60][61][66][67]

ALFSnaiper Investment Thesis I typically steer clear of crowded trades, and for a long time, I avoided SoFi Technologies, Inc. (NASDAQ:SOFI) ("Sofi"). The company became publicly traded in 2021 through a high-profile SPAC deal sponsored by none other than the SPAC king Chamath Palihapitiya at the height of market exuberance. Back then, Sofi embodied everything I avoid in a stock: crowded, overpriced, with no clear path to profitability. Today, the landscape has shifted. The ticker has plummeted 72% from its ...

SoFi Technologies’ leadership wants the company to become the “Amazon Web Services” (AWS) of FinTech.What that means is a lot of investment into technology and digital product innovation.The company’s latest quarterly earnings results released Tuesday (July 30) revealed good progress on that front, and showed that a lot can change in a year.SoFi’s net income for the period stood at $50 million, a figure that starkly contrasts the net loss of $95 million reported in the same quarter of the previous year.The ...