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2021-12-31

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Why Shares of Upstart, SoFi, and MoneyLion All Rose Today<blockquote>为什么Upstart、SoFi和MoneyLion的股价今天都上涨</blockquote>

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Shares of the artificial intelligence personal loan company Upstart(NASDAQ:UPST) rose nearly 5% today, while shares of the digital financial services company SoFi(NASDAQ:SOFI)and fintech MoneyLion(NYSE:ML)both rose more than 10%.<blockquote>许多金融科技股的股价在2021年倒数第二个交易日反弹走高，这似乎与一份好于预期的初请失业金报告有关。人工智能个人贷款公司的股票暴发户（纳斯达克：UPST）今天上涨近5%，而这家数字金融服务公司的股价索菲（纳斯达克：SOFI）和金融科技MoneyLion(NYSE：ML)均涨超10%。</blockquote>So what<blockquote>那又怎样</blockquote>Weekly jobless claims for the week ending Dec. 25 totaled 198,000, beating the 205,000 forecast, which is near the lowest level in 50 years.<blockquote>截至12月25日当周，每周申请失业救济人数总计198,000人，超过预期的205,000人，接近50年来的最低水平。</blockquote>Gus Faucher, chief economist at PNC, wrote in a research note:<blockquote>Gus Faucher，首席经济学家PNC，在一份研究报告中写道：</blockquote>Initial claims are extremely low, and continued claims are low and steadily declining. Demand for labor is very strong and workers are in short supply, so businesses are not laying off employees. Those workers who do find themselves unemployed can quickly find new jobs.On the one hand, the news is somewhat positive because it shows that businesses still seem to be operating like normal and not laying off workers or shutting down after the discovery of the extremely contagious omicron COVID-19 variant. Still, that doesn&#39;t mean there won&#39;t be any impact from omicron in the near term.<blockquote>初请人数极低，续请人数较低且稳步下降。劳动力需求非常旺盛，工人供不应求，所以企业并没有裁员。那些发现自己失业的工人可以很快找到新的工作。一方面，这一消息有些积极，因为它表明，在发现传染性极强的奥密克戎新冠肺炎变种后，企业似乎仍在正常运营，没有裁员或关闭。不过，这并不意味着短期内奥密克戎不会产生任何影响。</blockquote>&#34; ... rising coronavirus cases due to the omicron could put the labor force recovery on hold, at least over the next couple of months,&#34; Faucher added.<blockquote>福彻补充说：“……奥密克戎导致的冠状病毒病例增加可能会使劳动力复苏暂停，至少在未来几个月内是这样。”</blockquote>The jobless claims report seemed to provide a good excuse for investors to buy back into popular fintech stocks that have really been hammered over the past few months.<blockquote>初请失业金报告似乎为投资者回购过去几个月确实遭受重创的热门金融科技股提供了一个很好的借口。</blockquote>Investors first began to turn bearish on fintech stocks once the Federal Reserve indicated that it would speed up the tapering of its bond purchases, and potentially look to raise the federal funds rate multiple times in 2022 due to high inflation. For fintech companies specifically, higher interest rates can increase funding costs and default rates, and slow demand if inflation is bad enough. The flip side is that higher interest rates typically allow lenders to originate loans with higher interest rates as well.<blockquote>在美联储表示将加快缩减购债规模后，投资者首先开始看跌金融科技股，并可能因高通胀而在2022年多次上调联邦基金利率。特别是对于金融科技公司来说，更高的利率可能会增加融资成本和违约率，如果通胀足够糟糕，还会减缓需求。另一方面，较高的利率通常也允许贷方以较高的利率发放贷款。</blockquote>Then omicron hit and investors feared how the variant or future similar variants might impact economic growth in 2022. Goldman Sachs recently cut its projection for gross domestic product slightly in each of the first three quarters of 2022.<blockquote>然后奥密克戎来袭，投资者担心该变体或未来类似的变体可能会如何影响2022年的经济增长。高盛最近小幅下调了对2022年前三个季度国内生产总值的预测。</blockquote>Now what<blockquote>现在怎么办</blockquote>Valuations in the fintech sector had certainly run hot for most of this year, with Upstart in October trading at close to 40 times 2022 revenue. Even after the sell-off, Upstart currently trades around 66 times the current average earnings estimate for 2022. Valuations like this don&#39;t leave a lot of room for error, so I think a sell-off for some of these highly valued fintech stocks was certainly warranted.<blockquote>今年大部分时间里，金融科技行业的估值确实很高，Upstart 10月份的交易价格接近2022年收入的40倍。即使在抛售之后，Upstart目前的市盈率仍约为当前2022年平均盈利预期的66倍。这样的估值不会留下太大的误差空间，因此我认为抛售其中一些高估值的金融科技股票当然是有道理的。</blockquote>Valuations now look a little better, but given that market conditions could be difficult next year, especially with the strong potential for rate hikes, I would much rather own fintech stocks that have more reasonable valuations and that are potentially undervalued.<blockquote>估值现在看起来好一点，但考虑到明年的市场状况可能会很困难，特别是加息的可能性很大，我更愿意持有估值更合理且可能被低估的金融科技股票。</blockquote>Based on its projections, MoneyLion looks more reasonably valued right now. But seeing as the company went public through a special purpose acquisition company (SPAC), and SPACs have seen a good deal of skepticism in recent months, investors are likely going to wait to see that actual results are in line with projections before potentially buying in.<blockquote>根据其预测，MoneyLion目前的估值看起来更合理。但鉴于该公司是通过特殊目的收购公司（SPAC）上市的，而且SPAC近几个月来受到了很多质疑，投资者可能会等到实际结果与预测一致后再买入。</blockquote></body></html><blockquote></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>Why Shares of Upstart, SoFi, and MoneyLion All Rose Today<blockquote>为什么Upstart、SoFi和MoneyLion的股价今天都上涨</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\">\nWhy Shares of Upstart, SoFi, and MoneyLion All Rose Today<blockquote>为什么Upstart、SoFi和MoneyLion的股价今天都上涨</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nMotley Fool2021-12-31 11:15\n\n</h4>\n</header>\n<article>\n<html><head></head><body>What happened<blockquote><html><head></head><body>发生了什么</body></html></blockquote>Shares of many fintech stocks bounced higher on the second-to-last day of trading in 2021, which seemed to be related to a jobless claims report that was better than expected. Shares of the artificial intelligence personal loan company Upstart(NASDAQ:UPST) rose nearly 5% today, while shares of the digital financial services company SoFi(NASDAQ:SOFI)and fintech MoneyLion(NYSE:ML)both rose more than 10%.<blockquote>许多金融科技股的股价在2021年倒数第二个交易日反弹走高，这似乎与一份好于预期的初请失业金报告有关。人工智能个人贷款公司的股票暴发户（纳斯达克：UPST）今天上涨近5%，而这家数字金融服务公司的股价索菲（纳斯达克：SOFI）和金融科技MoneyLion(NYSE：ML)均涨超10%。</blockquote>So what<blockquote>那又怎样</blockquote>Weekly jobless claims for the week ending Dec. 25 totaled 198,000, beating the 205,000 forecast, which is near the lowest level in 50 years.<blockquote>截至12月25日当周，每周申请失业救济人数总计198,000人，超过预期的205,000人，接近50年来的最低水平。</blockquote>Gus Faucher, chief economist at PNC, wrote in a research note:<blockquote>Gus Faucher，首席经济学家PNC，在一份研究报告中写道：</blockquote>Initial claims are extremely low, and continued claims are low and steadily declining. Demand for labor is very strong and workers are in short supply, so businesses are not laying off employees. Those workers who do find themselves unemployed can quickly find new jobs.On the one hand, the news is somewhat positive because it shows that businesses still seem to be operating like normal and not laying off workers or shutting down after the discovery of the extremely contagious omicron COVID-19 variant. Still, that doesn&#39;t mean there won&#39;t be any impact from omicron in the near term.<blockquote>初请人数极低，续请人数较低且稳步下降。劳动力需求非常旺盛，工人供不应求，所以企业并没有裁员。那些发现自己失业的工人可以很快找到新的工作。一方面，这一消息有些积极，因为它表明，在发现传染性极强的奥密克戎新冠肺炎变种后，企业似乎仍在正常运营，没有裁员或关闭。不过，这并不意味着短期内奥密克戎不会产生任何影响。</blockquote>&#34; ... rising coronavirus cases due to the omicron could put the labor force recovery on hold, at least over the next couple of months,&#34; Faucher added.<blockquote>福彻补充说：“……奥密克戎导致的冠状病毒病例增加可能会使劳动力复苏暂停，至少在未来几个月内是这样。”</blockquote>The jobless claims report seemed to provide a good excuse for investors to buy back into popular fintech stocks that have really been hammered over the past few months.<blockquote>初请失业金报告似乎为投资者回购过去几个月确实遭受重创的热门金融科技股提供了一个很好的借口。</blockquote>Investors first began to turn bearish on fintech stocks once the Federal Reserve indicated that it would speed up the tapering of its bond purchases, and potentially look to raise the federal funds rate multiple times in 2022 due to high inflation. For fintech companies specifically, higher interest rates can increase funding costs and default rates, and slow demand if inflation is bad enough. The flip side is that higher interest rates typically allow lenders to originate loans with higher interest rates as well.<blockquote>在美联储表示将加快缩减购债规模后，投资者首先开始看跌金融科技股，并可能因高通胀而在2022年多次上调联邦基金利率。特别是对于金融科技公司来说，更高的利率可能会增加融资成本和违约率，如果通胀足够糟糕，还会减缓需求。另一方面，较高的利率通常也允许贷方以较高的利率发放贷款。</blockquote>Then omicron hit and investors feared how the variant or future similar variants might impact economic growth in 2022. Goldman Sachs recently cut its projection for gross domestic product slightly in each of the first three quarters of 2022.<blockquote>然后奥密克戎来袭，投资者担心该变体或未来类似的变体可能会如何影响2022年的经济增长。高盛最近小幅下调了对2022年前三个季度国内生产总值的预测。</blockquote>Now what<blockquote>现在怎么办</blockquote>Valuations in the fintech sector had certainly run hot for most of this year, with Upstart in October trading at close to 40 times 2022 revenue. Even after the sell-off, Upstart currently trades around 66 times the current average earnings estimate for 2022. Valuations like this don&#39;t leave a lot of room for error, so I think a sell-off for some of these highly valued fintech stocks was certainly warranted.<blockquote>今年大部分时间里，金融科技行业的估值确实很高，Upstart 10月份的交易价格接近2022年收入的40倍。即使在抛售之后，Upstart目前的市盈率仍约为当前2022年平均盈利预期的66倍。这样的估值不会留下太大的误差空间，因此我认为抛售其中一些高估值的金融科技股票当然是有道理的。</blockquote>Valuations now look a little better, but given that market conditions could be difficult next year, especially with the strong potential for rate hikes, I would much rather own fintech stocks that have more reasonable valuations and that are potentially undervalued.<blockquote>估值现在看起来好一点，但考虑到明年的市场状况可能会很困难，特别是加息的可能性很大，我更愿意持有估值更合理且可能被低估的金融科技股票。</blockquote>Based on its projections, MoneyLion looks more reasonably valued right now. But seeing as the company went public through a special purpose acquisition company (SPAC), and SPACs have seen a good deal of skepticism in recent months, investors are likely going to wait to see that actual results are in line with projections before potentially buying in.<blockquote>根据其预测，MoneyLion目前的估值看起来更合理。但鉴于该公司是通过特殊目的收购公司（SPAC）上市的，而且SPAC近几个月来受到了很多质疑，投资者可能会等到实际结果与预测一致后再买入。</blockquote></body></html><blockquote></blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.fool.com/investing/2021/12/30/why-shares-of-upstart-sofi-and-moneylion-all-rose/\">Motley Fool</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc.","UPST":"Upstart Holdings, Inc."},"source_url":"https://www.fool.com/investing/2021/12/30/why-shares-of-upstart-sofi-and-moneylion-all-rose/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1186007521","content_text":"What happenedShares of many fintech stocks bounced higher on the second-to-last day of trading in 2021, which seemed to be related to a jobless claims report that was better than expected. Shares of the artificial intelligence personal loan company Upstart(NASDAQ:UPST) rose nearly 5% today, while shares of the digital financial services company SoFi(NASDAQ:SOFI)and fintech MoneyLion(NYSE:ML)both rose more than 10%.So whatWeekly jobless claims for the week ending Dec. 25 totaled 198,000, beating the 205,000 forecast, which is near the lowest level in 50 years.Gus Faucher, chief economist at PNC, wrote in a research note:Initial claims are extremely low, and continued claims are low and steadily declining. Demand for labor is very strong and workers are in short supply, so businesses are not laying off employees. Those workers who do find themselves unemployed can quickly find new jobs.On the one hand, the news is somewhat positive because it shows that businesses still seem to be operating like normal and not laying off workers or shutting down after the discovery of the extremely contagious omicron COVID-19 variant. Still, that doesn't mean there won't be any impact from omicron in the near term.\" ... rising coronavirus cases due to the omicron could put the labor force recovery on hold, at least over the next couple of months,\" Faucher added.The jobless claims report seemed to provide a good excuse for investors to buy back into popular fintech stocks that have really been hammered over the past few months.Investors first began to turn bearish on fintech stocks once the Federal Reserve indicated that it would speed up the tapering of its bond purchases, and potentially look to raise the federal funds rate multiple times in 2022 due to high inflation. For fintech companies specifically, higher interest rates can increase funding costs and default rates, and slow demand if inflation is bad enough. The flip side is that higher interest rates typically allow lenders to originate loans with higher interest rates as well.Then omicron hit and investors feared how the variant or future similar variants might impact economic growth in 2022. Goldman Sachs recently cut its projection for gross domestic product slightly in each of the first three quarters of 2022.Now whatValuations in the fintech sector had certainly run hot for most of this year, with Upstart in October trading at close to 40 times 2022 revenue. Even after the sell-off, Upstart currently trades around 66 times the current average earnings estimate for 2022. Valuations like this don't leave a lot of room for error, so I think a sell-off for some of these highly valued fintech stocks was certainly warranted.Valuations now look a little better, but given that market conditions could be difficult next year, especially with the strong potential for rate hikes, I would much rather own fintech stocks that have more reasonable valuations and that are potentially undervalued.Based on its projections, MoneyLion looks more reasonably valued right now. But seeing as the company went public through a special purpose acquisition company (SPAC), and SPACs have seen a good deal of skepticism in recent months, investors are likely going to wait to see that actual results are in line with projections before potentially buying in.","news_type":1,"symbols_score_info":{"ML":0.9,"UPST":0.9,"SOFI":0.9}},"isVote":1,"tweetType":1,"viewCount":3198,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":4,"xxTargetLangEnum":"ZH_CN"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/692854840"}