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2021-06-30

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Sofi has received the most attention for two consecutive days on the WSB forum<blockquote>Sofi连续两天在WSB论坛上最受关注</blockquote>

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{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":153294627,"tweetId":"153294627","gmtCreate":1625026016869,"gmtModify":1633945683355,"author":{"id":3570848066306882,"idStr":"3570848066306882","authorId":3570848066306882,"authorIdStr":"3570848066306882","name":"itstanyan","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":12,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":6,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"extraTitle":"","html":"<html><head></head><body>Tell me your opinion about this news...</body></html>","htmlText":"<html><head></head><body>Tell me your opinion about this news...</body></html>","text":"Tell me your opinion about this news...","highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":3,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/153294627","repostId":1118790185,"repostType":4,"repost":{"id":"1118790185","kind":"news","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1625023368,"share":"https://www.laohu8.com/m/news/1118790185?lang=zh_CN&edition=full","pubTime":"2021-06-30 11:22","market":"us","language":"en","title":"Sofi has received the most attention for two consecutive days on the WSB forum<blockquote>Sofi连续两天在WSB论坛上最受关注</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1118790185","media":"Tiger Newspress","summary":"Online personal finance company SoFi Technologies has received most attention for two consecutive da","content":"Online personal finance company SoFi Technologies&nbsp;has received most attention for two consecutive days on the&nbsp;WallStreetBets forum.<blockquote>在线个人金融公司SoFi Technologies连续两天在WallStreetBets论坛上受到最多关注。</blockquote> SoFi Technologies has emerged as the most-discussed stock on the forum with 619 mentions&nbsp;on&nbsp;Monday, data from Quiver Quantitative showed.<blockquote>Quiver Quantitative的数据显示，SoFi Technologies已成为论坛上讨论最多的股票，周一被提及619次。</blockquote> SoFi Technologies continued to be the most-discussed stock on the forum with 1,088 mentions&nbsp;on&nbsp;Tuesday, data from Quiver Quantitative showed.<blockquote>Quiver Quantitative的数据显示，SoFi Technologies仍然是论坛上讨论最多的股票，周二被提及1,088次。</blockquote> SoFi Technologies-a consumer- and business-facing financial technology (fintech) disruptor -- is one of those rare examples. Here's why it's a great investment today.<blockquote>SoFi技术——面向消费者和企业的金融科技（fintech）颠覆者——就是这些罕见的例子之一。这就是为什么它在今天是一项伟大的投资。</blockquote> 1. SoFi's business-to-consumer offering<blockquote>1.SoFi的企业对消费者产品</blockquote> SoFi (short for Social Finance) is attempting to be the first complete one-stop shop for all things digital banking through its app. On the SoFi platform, consumers can \"borrow, save, spend, invest, and protect\" all in one place.&nbsp;With half of consumers using more than one bank and 80% of those consumers doing so because of inadequate service, it's clear to see how this could be a lucrative endeavor if done correctly.<blockquote>SoFi（Social Finance的缩写）正试图通过其应用程序成为第一个完整的数字银行一站式商店。在SoFi平台上，消费者可以在一个地方“借贷、储蓄、消费、投资和保护”。一半的消费者使用一家以上的银行，80%的消费者这样做是因为服务不足，很明显，如果做得正确，这将是一项有利可图的努力。</blockquote> This convenience can be valuable: Cross-selling greatly enhances unit economics for SoFi. For example, SoFi's money product yields a 34% profit margin, which skyrockets to 80% when combined with a personal loan product. The company spends zero incremental dollars on selling a second or third product to a user, yet enjoys an enhanced consumer lifetime value (LTV).<blockquote>这种便利可能很有价值：交叉销售极大地提高了SoFi的单位经济效益。例如，SoFi的货币产品利润率为34%，与个人贷款产品相结合时，利润率飙升至80%。该公司向用户销售第二种或第三种产品的增量为零，但却享受到了增强的消费者终身价值(LTV)。</blockquote> Thanks partially to the pandemic, demand for these services is quickly on the rise -- digital banking penetration rose from 54% to 62%, with the vast majority of those consumers unwilling to go back. There is clearly a long pathway of growth for this company to pursue, and so far, it's delivering. In the company's first public quarterly report, it posted 110% membership growth to reach 2.28 million. What's even more encouraging about this is that the rate of growth has actually accelerated for seven consecutive quarters. This points to real durability to expansion.<blockquote>部分由于疫情，对这些服务的需求正在迅速上升——数字银行的渗透率从54%上升到62%，其中绝大多数消费者不愿意回去。显然，这家公司还有很长的成长之路要走，到目前为止，它正在实现这一目标。在该公司的第一份公开季度报告中，其会员数量增长了110%，达到228万。更令人鼓舞的是，增长速度实际上已经连续七个季度加快。这表明了扩张的真正持久性。</blockquote> SoFi's financial products specifically saw product growth soar by 273% year over year to eclipse the company's more mature lending segment in size.&nbsp;Total consumer-facing product sales more than doubled as well.<blockquote>SoFi的金融产品同比增长273%，规模超过了该公司更成熟的贷款部门。面向消费者的产品总销售额也增加了一倍多。</blockquote> To deepen the appeal, SoFi recently debuted social investing products as well as a service allowing retail investors to access companies pre-IPO. There are undoubtedly more product innovations in the works for SoFi's consumers.<blockquote>为了加深吸引力，SoFi最近推出了社交投资产品以及允许散户投资者在IPO前访问公司的服务。毫无疑问，SoFi的消费者正在进行更多的产品创新。</blockquote> 2. Galileo, SoFi's business-to-business offering<blockquote>2.Galileo，SoFi的企业对企业产品</blockquote> SoFi is not just finding business-to-consumer success, but business-to-business as well. SoFi's Galileo offers fintech companies application programming interfaces (APIs) for core digital banking functionality. Galileo was originally just a partner for SoFi's consumer-facing products, but the technology was so effective that SoFi decided to buy it outright. That says a lot. Galileo enables companies to build out payment, card, and digital banking products, and this segment is also finding meaningful success.<blockquote>SoFi不仅在企业对消费者的成功，在企业对企业的成功也是如此。SoFi的Galileo为金融科技公司提供核心数字银行功能的应用编程接口(API)。Galileo最初只是SoFi面向消费者产品的合作伙伴，但该技术非常有效，SoFi决定直接收购它。这说明了很多。伽利略使公司能够构建支付、卡和数字银行产品，这一领域也取得了有意义的成功。</blockquote> Last quarter, total Galileo members skyrocketed 130% year over year to reach 70 million. This growth rate compares to 75% in the year-ago period, showing there is real, positive momentum here as well.<blockquote>上个季度，伽利略会员总数同比猛增130%，达到7000万。与去年同期的75%相比，这一增长率表明这里也存在真正的积极势头。</blockquote> Impressively, Galileo serves fintech titans such as Chime and Robinhood. While it's nice to see fabulous consumer-based success, this business-facing segment ensures SoFi succeeds when fintech as a whole succeeds, not just when its own app does. With fintech somewhat crowded but also poised for continued growth, that's a strong position to be in.<blockquote>令人印象深刻的是，Galileo为Chime和Robinhood等金融科技巨头提供服务。虽然很高兴看到基于消费者的巨大成功，但这个面向业务的细分市场确保SoFi在金融科技整体成功时取得成功，而不仅仅是在其自己的应用程序成功时。由于金融科技有些拥挤，但也准备持续增长，这是一个强大的地位。</blockquote> Importantly, management plans to operate Galileo entirely independently from SoFi, to ensure Galileo can be seen as a pure partner to these companies rather than a partial adversary. Recently, SoFi hired Derek White -- a former Google cloud executive -- to run Galileo with this in mind.<blockquote>重要的是，管理层计划完全独立于SoFi运营Galileo，以确保Galileo可以被视为这些公司的纯粹合作伙伴，而不是部分对手。最近，SoFi聘请了前谷歌云高管德里克·怀特（Derek White）来运营伽利略。</blockquote> To get an idea of the appetite for Galileo's services, in a recent interview SoFi CEO Anthony Noto gave Piper Sandler, he said Galileo's biggest challenge was saying no to opportunity. Clearly, there is a lot of demand here for the combined entity to enjoy.<blockquote>为了了解人们对伽利略服务的兴趣，SoFi首席执行官Anthony Noto在最近接受Piper Sandler采访时表示，伽利略最大的挑战是对机会说不。显然，这里对合并后的实体有很大的需求。</blockquote> 3. SoFi is thriving<blockquote>3.SoFi欣欣向荣</blockquote> When combining SoFi's two primary business segments, revenue and profitability continue to be remarkable. Last quarter, sales rose 151% year over year to $216 million and beat the guidance SoFi offered in its investor presentation by a hefty 12.2%.&nbsp;The organization reiterated its 2021 guidance despite not having $12 million in previously anticipated revenues to recognize from its purchase of Apex clearing.<blockquote>当SoFi的两个主要业务部门合并时，收入和盈利能力仍然显着。上个季度，销售额同比增长151%，达到2.16亿美元，比SoFi在其投资者演示中提供的指导高出12.2%。该组织重申了2021年的指导，尽管此前预期的1200万美元收入没有从其收购中确认Apex清算。</blockquote> Impressively, itsEBITDAmargin turned positive, improving from -48% to 2% year over year. This 2% figure also exceeded the high end of the company's previous guidance; SoFi is thriving, and doing so profitably.<blockquote>令人印象深刻的是，itsEBITDAmargin转为正值，同比从-48%提高到2%。这2%的数字也超过了公司此前指引的高端；SoFi正在蓬勃发展，并从中获利。</blockquote> The company trades for 18.3 times 2021 sales and 67 times 2021 contribution profit based on its most recent guidance --&nbsp;not crazy, based on the success shareholders have enjoyed.<blockquote>根据其最新指引，该公司的交易价格是2021年销售额的18.3倍，2021年贡献利润的67倍——考虑到股东所取得的成功，这并不疯狂。</blockquote> SoFi is a winner<blockquote>SoFi是赢家</blockquote> There are plenty of examples of low-quality companies that went public via SPAC, butSoFiis not one of them. The company is clicking on all cylinders with no slowdown in sight. I own SoFi and think investors of all kinds should consider taking a position as well.<blockquote>通过SPAC上市的低质量公司的例子有很多，但SOFI不是其中之一。该公司正在全力以赴，看不到放缓的迹象。我拥有SoFi，并认为各类投资者也应该考虑建仓。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Sofi has received the most attention for two consecutive days on the WSB forum<blockquote>Sofi连续两天在WSB论坛上最受关注</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSofi has received the most attention for two consecutive days on the WSB forum<blockquote>Sofi连续两天在WSB论坛上最受关注</blockquote>\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\nTiger Newspress \n2021-06-30 11:22\n</div>\n</a>\n</h4>\n</header>\n<article>\nOnline personal finance company SoFi Technologies&nbsp;has received most attention for two consecutive days on the&nbsp;WallStreetBets forum.<blockquote>在线个人金融公司SoFi Technologies连续两天在WallStreetBets论坛上受到最多关注。</blockquote> SoFi Technologies has emerged as the most-discussed stock on the forum with 619 mentions&nbsp;on&nbsp;Monday, data from Quiver Quantitative showed.<blockquote>Quiver Quantitative的数据显示，SoFi Technologies已成为论坛上讨论最多的股票，周一被提及619次。</blockquote> SoFi Technologies continued to be the most-discussed stock on the forum with 1,088 mentions&nbsp;on&nbsp;Tuesday, data from Quiver Quantitative showed.<blockquote>Quiver Quantitative的数据显示，SoFi Technologies仍然是论坛上讨论最多的股票，周二被提及1,088次。</blockquote> SoFi Technologies-a consumer- and business-facing financial technology (fintech) disruptor -- is one of those rare examples. Here's why it's a great investment today.<blockquote>SoFi技术——面向消费者和企业的金融科技（fintech）颠覆者——就是这些罕见的例子之一。这就是为什么它在今天是一项伟大的投资。</blockquote> 1. SoFi's business-to-consumer offering<blockquote>1.SoFi的企业对消费者产品</blockquote> SoFi (short for Social Finance) is attempting to be the first complete one-stop shop for all things digital banking through its app. On the SoFi platform, consumers can \"borrow, save, spend, invest, and protect\" all in one place.&nbsp;With half of consumers using more than one bank and 80% of those consumers doing so because of inadequate service, it's clear to see how this could be a lucrative endeavor if done correctly.<blockquote>SoFi（Social Finance的缩写）正试图通过其应用程序成为第一个完整的数字银行一站式商店。在SoFi平台上，消费者可以在一个地方“借贷、储蓄、消费、投资和保护”。一半的消费者使用一家以上的银行，80%的消费者这样做是因为服务不足，很明显，如果做得正确，这将是一项有利可图的努力。</blockquote> This convenience can be valuable: Cross-selling greatly enhances unit economics for SoFi. For example, SoFi's money product yields a 34% profit margin, which skyrockets to 80% when combined with a personal loan product. The company spends zero incremental dollars on selling a second or third product to a user, yet enjoys an enhanced consumer lifetime value (LTV).<blockquote>这种便利可能很有价值：交叉销售极大地提高了SoFi的单位经济效益。例如，SoFi的货币产品利润率为34%，与个人贷款产品相结合时，利润率飙升至80%。该公司向用户销售第二种或第三种产品的增量为零，但却享受到了增强的消费者终身价值(LTV)。</blockquote> Thanks partially to the pandemic, demand for these services is quickly on the rise -- digital banking penetration rose from 54% to 62%, with the vast majority of those consumers unwilling to go back. There is clearly a long pathway of growth for this company to pursue, and so far, it's delivering. In the company's first public quarterly report, it posted 110% membership growth to reach 2.28 million. What's even more encouraging about this is that the rate of growth has actually accelerated for seven consecutive quarters. This points to real durability to expansion.<blockquote>部分由于疫情，对这些服务的需求正在迅速上升——数字银行的渗透率从54%上升到62%，其中绝大多数消费者不愿意回去。显然，这家公司还有很长的成长之路要走，到目前为止，它正在实现这一目标。在该公司的第一份公开季度报告中，其会员数量增长了110%，达到228万。更令人鼓舞的是，增长速度实际上已经连续七个季度加快。这表明了扩张的真正持久性。</blockquote> SoFi's financial products specifically saw product growth soar by 273% year over year to eclipse the company's more mature lending segment in size.&nbsp;Total consumer-facing product sales more than doubled as well.<blockquote>SoFi的金融产品同比增长273%，规模超过了该公司更成熟的贷款部门。面向消费者的产品总销售额也增加了一倍多。</blockquote> To deepen the appeal, SoFi recently debuted social investing products as well as a service allowing retail investors to access companies pre-IPO. There are undoubtedly more product innovations in the works for SoFi's consumers.<blockquote>为了加深吸引力，SoFi最近推出了社交投资产品以及允许散户投资者在IPO前访问公司的服务。毫无疑问，SoFi的消费者正在进行更多的产品创新。</blockquote> 2. Galileo, SoFi's business-to-business offering<blockquote>2.Galileo，SoFi的企业对企业产品</blockquote> SoFi is not just finding business-to-consumer success, but business-to-business as well. SoFi's Galileo offers fintech companies application programming interfaces (APIs) for core digital banking functionality. Galileo was originally just a partner for SoFi's consumer-facing products, but the technology was so effective that SoFi decided to buy it outright. That says a lot. Galileo enables companies to build out payment, card, and digital banking products, and this segment is also finding meaningful success.<blockquote>SoFi不仅在企业对消费者的成功，在企业对企业的成功也是如此。SoFi的Galileo为金融科技公司提供核心数字银行功能的应用编程接口(API)。Galileo最初只是SoFi面向消费者产品的合作伙伴，但该技术非常有效，SoFi决定直接收购它。这说明了很多。伽利略使公司能够构建支付、卡和数字银行产品，这一领域也取得了有意义的成功。</blockquote> Last quarter, total Galileo members skyrocketed 130% year over year to reach 70 million. This growth rate compares to 75% in the year-ago period, showing there is real, positive momentum here as well.<blockquote>上个季度，伽利略会员总数同比猛增130%，达到7000万。与去年同期的75%相比，这一增长率表明这里也存在真正的积极势头。</blockquote> Impressively, Galileo serves fintech titans such as Chime and Robinhood. While it's nice to see fabulous consumer-based success, this business-facing segment ensures SoFi succeeds when fintech as a whole succeeds, not just when its own app does. With fintech somewhat crowded but also poised for continued growth, that's a strong position to be in.<blockquote>令人印象深刻的是，Galileo为Chime和Robinhood等金融科技巨头提供服务。虽然很高兴看到基于消费者的巨大成功，但这个面向业务的细分市场确保SoFi在金融科技整体成功时取得成功，而不仅仅是在其自己的应用程序成功时。由于金融科技有些拥挤，但也准备持续增长，这是一个强大的地位。</blockquote> Importantly, management plans to operate Galileo entirely independently from SoFi, to ensure Galileo can be seen as a pure partner to these companies rather than a partial adversary. Recently, SoFi hired Derek White -- a former Google cloud executive -- to run Galileo with this in mind.<blockquote>重要的是，管理层计划完全独立于SoFi运营Galileo，以确保Galileo可以被视为这些公司的纯粹合作伙伴，而不是部分对手。最近，SoFi聘请了前谷歌云高管德里克·怀特（Derek White）来运营伽利略。</blockquote> To get an idea of the appetite for Galileo's services, in a recent interview SoFi CEO Anthony Noto gave Piper Sandler, he said Galileo's biggest challenge was saying no to opportunity. Clearly, there is a lot of demand here for the combined entity to enjoy.<blockquote>为了了解人们对伽利略服务的兴趣，SoFi首席执行官Anthony Noto在最近接受Piper Sandler采访时表示，伽利略最大的挑战是对机会说不。显然，这里对合并后的实体有很大的需求。</blockquote> 3. SoFi is thriving<blockquote>3.SoFi欣欣向荣</blockquote> When combining SoFi's two primary business segments, revenue and profitability continue to be remarkable. Last quarter, sales rose 151% year over year to $216 million and beat the guidance SoFi offered in its investor presentation by a hefty 12.2%.&nbsp;The organization reiterated its 2021 guidance despite not having $12 million in previously anticipated revenues to recognize from its purchase of Apex clearing.<blockquote>当SoFi的两个主要业务部门合并时，收入和盈利能力仍然显着。上个季度，销售额同比增长151%，达到2.16亿美元，比SoFi在其投资者演示中提供的指导高出12.2%。该组织重申了2021年的指导，尽管此前预期的1200万美元收入没有从其收购中确认Apex清算。</blockquote> Impressively, itsEBITDAmargin turned positive, improving from -48% to 2% year over year. This 2% figure also exceeded the high end of the company's previous guidance; SoFi is thriving, and doing so profitably.<blockquote>令人印象深刻的是，itsEBITDAmargin转为正值，同比从-48%提高到2%。这2%的数字也超过了公司此前指引的高端；SoFi正在蓬勃发展，并从中获利。</blockquote> The company trades for 18.3 times 2021 sales and 67 times 2021 contribution profit based on its most recent guidance --&nbsp;not crazy, based on the success shareholders have enjoyed.<blockquote>根据其最新指引，该公司的交易价格是2021年销售额的18.3倍，2021年贡献利润的67倍——考虑到股东所取得的成功，这并不疯狂。</blockquote> SoFi is a winner<blockquote>SoFi是赢家</blockquote> There are plenty of examples of low-quality companies that went public via SPAC, butSoFiis not one of them. The company is clicking on all cylinders with no slowdown in sight. I own SoFi and think investors of all kinds should consider taking a position as well.<blockquote>通过SPAC上市的低质量公司的例子有很多，但SOFI不是其中之一。该公司正在全力以赴，看不到放缓的迹象。我拥有SoFi，并认为各类投资者也应该考虑建仓。</blockquote>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1118790185","content_text":"Online personal finance company SoFi Technologies has received most attention for two consecutive days on the WallStreetBets forum.\nSoFi Technologies has emerged as the most-discussed stock on the forum with 619 mentions on Monday, data from Quiver Quantitative showed.\nSoFi Technologies continued to be the most-discussed stock on the forum with 1,088 mentions on Tuesday, data from Quiver Quantitative showed.\nSoFi Technologies-a consumer- and business-facing financial technology (fintech) disruptor -- is one of those rare examples. Here's why it's a great investment today.\n1. SoFi's business-to-consumer offering\nSoFi (short for Social Finance) is attempting to be the first complete one-stop shop for all things digital banking through its app. On the SoFi platform, consumers can \"borrow, save, spend, invest, and protect\" all in one place. With half of consumers using more than one bank and 80% of those consumers doing so because of inadequate service, it's clear to see how this could be a lucrative endeavor if done correctly.\nThis convenience can be valuable: Cross-selling greatly enhances unit economics for SoFi. For example, SoFi's money product yields a 34% profit margin, which skyrockets to 80% when combined with a personal loan product. The company spends zero incremental dollars on selling a second or third product to a user, yet enjoys an enhanced consumer lifetime value (LTV).\nThanks partially to the pandemic, demand for these services is quickly on the rise -- digital banking penetration rose from 54% to 62%, with the vast majority of those consumers unwilling to go back. There is clearly a long pathway of growth for this company to pursue, and so far, it's delivering. In the company's first public quarterly report, it posted 110% membership growth to reach 2.28 million. What's even more encouraging about this is that the rate of growth has actually accelerated for seven consecutive quarters. This points to real durability to expansion.\nSoFi's financial products specifically saw product growth soar by 273% year over year to eclipse the company's more mature lending segment in size. Total consumer-facing product sales more than doubled as well.\nTo deepen the appeal, SoFi recently debuted social investing products as well as a service allowing retail investors to access companies pre-IPO. There are undoubtedly more product innovations in the works for SoFi's consumers.\n2. Galileo, SoFi's business-to-business offering\nSoFi is not just finding business-to-consumer success, but business-to-business as well. SoFi's Galileo offers fintech companies application programming interfaces (APIs) for core digital banking functionality. Galileo was originally just a partner for SoFi's consumer-facing products, but the technology was so effective that SoFi decided to buy it outright. That says a lot. Galileo enables companies to build out payment, card, and digital banking products, and this segment is also finding meaningful success.\nLast quarter, total Galileo members skyrocketed 130% year over year to reach 70 million. This growth rate compares to 75% in the year-ago period, showing there is real, positive momentum here as well.\nImpressively, Galileo serves fintech titans such as Chime and Robinhood. While it's nice to see fabulous consumer-based success, this business-facing segment ensures SoFi succeeds when fintech as a whole succeeds, not just when its own app does. With fintech somewhat crowded but also poised for continued growth, that's a strong position to be in.\nImportantly, management plans to operate Galileo entirely independently from SoFi, to ensure Galileo can be seen as a pure partner to these companies rather than a partial adversary. Recently, SoFi hired Derek White -- a former Google cloud executive -- to run Galileo with this in mind.\nTo get an idea of the appetite for Galileo's services, in a recent interview SoFi CEO Anthony Noto gave Piper Sandler, he said Galileo's biggest challenge was saying no to opportunity. Clearly, there is a lot of demand here for the combined entity to enjoy.\n3. SoFi is thriving\nWhen combining SoFi's two primary business segments, revenue and profitability continue to be remarkable. Last quarter, sales rose 151% year over year to $216 million and beat the guidance SoFi offered in its investor presentation by a hefty 12.2%. The organization reiterated its 2021 guidance despite not having $12 million in previously anticipated revenues to recognize from its purchase of Apex clearing.\nImpressively, itsEBITDAmargin turned positive, improving from -48% to 2% year over year. This 2% figure also exceeded the high end of the company's previous guidance; SoFi is thriving, and doing so profitably.\nThe company trades for 18.3 times 2021 sales and 67 times 2021 contribution profit based on its most recent guidance -- not crazy, based on the success shareholders have enjoyed.\nSoFi is a winner\nThere are plenty of examples of low-quality companies that went public via SPAC, butSoFiis not one of them. The company is clicking on all cylinders with no slowdown in sight. I own SoFi and think investors of all kinds should consider taking a position as well.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"tweetType":1,"viewCount":534,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":33,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/153294627"}