Yeah_老虎社区_美港股上老虎

2021-10-14

Yeah

SoFi stock rose 3.6% in premarket trading<blockquote>SoFi 股价在盘前交易中上涨 3.6%</blockquote>

免责声明：上述内容仅代表发帖人个人观点，不构成本平台的任何投资建议。

精彩评论

我们需要你的真知灼见来填补这片空白

发表看法

{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":825387429,"tweetId":"825387429","gmtCreate":1634202009174,"gmtModify":1634202009266,"author":{"id":3584155609562580,"idStr":"3584155609562580","authorId":3584155609562580,"authorIdStr":"3584155609562580","name":"Edmund9491","avatar":"https://static.tigerbbs.com/eb3f449910b74be67654faf93b4bfb16","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":11,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[],"fanSize":12,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"title":"","extraTitle":"","html":"<html><head></head><body>Yeah</body></html>","htmlText":"<html><head></head><body>Yeah</body></html>","text":"Yeah","highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":1,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/825387429","repostId":1139633978,"repostType":4,"repost":{"id":"1139633978","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":1634201918,"share":"https://www.laohunote.com/m/news/1139633978?lang=zh_CN&edition=full","pubTime":"2021-10-14 16:58","market":"us","language":"en","title":"SoFi stock rose 3.6% in premarket trading<blockquote>SoFi 股价在盘前交易中上涨 3.6%</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1139633978","media":"Tiger Newspress","summary":"SoFi stock rose 3.6% in premarket trading as Morgan Stanley initiated coverage of SoFi with an Overw","content":"SoFi stock rose 3.6% in premarket trading&nbsp;as&nbsp;Morgan Stanley&nbsp;initiated coverage of SoFi with an Overweight (i.e. Buy) rating and $25 price target.<blockquote>SoFi 股票在盘前交易中上涨 3.6%，摩根士丹利开始对 SoFi 给予跑赢大盘（即买入）评级和 25 美元目标价。</blockquote> <img src=\"https://static.tigerbbs.com/07a5b9f3453324b84a0e3eff89ec6199\" tg-width=\"848\" tg-height=\"620\" width=\"100%\" height=\"auto\"><blockquote></blockquote> The hardest part of consumer finance, according to Morgan Stanley’s&nbsp;Betsy Graseck, is lending. Outlining the bullish case for SoFi Technologies (SOFI), the company being a specialist in this specific segment is a major differentiator.<blockquote>摩根士丹利的贝琪-格拉塞克（Betsy Graseck）认为，消费金融最难的部分是放贷。概述 SoFi Technologies 的看涨理由（索菲），该公司是这一特定领域的专家是一个主要优势。</blockquote> “SoFi is unique,” says Graseck. “It is a challenger consumer finance company that is leading with lending; specifically refinancing a high yield student loan into a lower rate.”<blockquote>“格拉塞克说：”索菲是独一无二的。“这是一家具有挑战性的消费金融公司，在贷款方面处于领先地位；特别是将高收益学生贷款以较低的利率再融资”。</blockquote> Lending is particularly difficult as it requires understanding of credit and demands a high level of customer service. But helping to solve a consumer’s cash flow issue and leaving them with more cash on tap, rewards with “higher customer loyalty.” This lending first model “generates customer leads for SoFi’s other services,” of which there are plenty.<blockquote>贷款尤其困难，因为它需要了解信用并要求高水平的客户服务。但是，帮助解决消费者的现金流问题，让他们有更多的现金，就能获得 “更高的客户忠诚度”。这种贷款优先模式 “为 SoFi 的其他服务创造客户线索”，而 SoFi 的其他服务有很多。</blockquote> Graseck uses the case of a post grad professional – HENRY – a “High Earner, Not Rich Yet customer,” who represents SOFI’s current core customer but is on “everyone’s target customer list.”<blockquote>格拉塞克以研究生专业人士亨利为例，亨利是一位 “高收入者，还不富有的客户”，他代表了 SOFI 目前的核心客户，但却在 “每个人的目标客户名单”上。</blockquote> Getting HENRY a “higher cash flow post a student loan refi,” has impacted his life. Now HENRY is “receptive to cross-buy opportunities into SoFi’s growing Financial Services product set, particularly brokerage, card, and mortgage.”<blockquote>亨利的 “学生贷款再融资后获得更高的现金流 ”影响了他的生活。现在，亨利 “乐于在 SoFi 不断增长的金融服务产品系列中获得交叉购买机会，尤其是经纪、信用卡和抵押贷款”。</blockquote> This is not just fiction, the data backs up the story. SoFi’s customers have been “ramping their cross buy,” and now make up 24% of SoFi’s total products.<blockquote>这不仅仅是虚构的，数据支持了这个故事。SoFi 的客户一直在 “增加交叉购买”，目前已占 SoFi 产品总量的 24%。</blockquote> And after more than doubling the customer base over the past year from 1.2 million to 2.6 million, over the next two years, Graseck expects it to double again and reach 5.3 million. As the customer set doubles and SoFi “expands its product offerings,” the analyst believes Financial Services revenue growth will increase at a ~150% CAGR (compound annual growth rate) over the next 2 years.<blockquote>在过去一年客户群从 120 万增加到 260 万之后，Graseck 预计未来两年将再次翻一番，达到 530 万。随着客户群的翻倍和 SoFi “扩大其产品范围”，这位分析师认为，未来两年金融服务收入增长将以约 150% 的 CAGR（复合年增长率）增长。</blockquote> Adding to the bull case, the next 6 months could see two meaningful catalysts drive “faster revenue growth and positive revisions to management guidance.”<blockquote>除了牛市之外，未来 6 个月可能会有两个有意义的催化剂推动 “更快的收入增长和对管理指导的积极修订”。</blockquote> First off, a surge in student loan volumes – a 70% increase, according to Graseck – should follow the expiration of the government’s student loan deferment program.<blockquote>首先，政府的学生贷款延期计划到期后，学生贷款额将激增--根据格拉塞克的说法，学生贷款额将增加 70%。</blockquote> Secondly, there’s the prospective approval of SoFi’s bank charter. “This alone could boost total revenues by ~10% in its first full year given benefits to NIM (net interest margin),” the analyst noted.<blockquote>其次，SoFi 的银行章程有望获得批准。“分析师指出：”考虑到净息差（NIM）的好处，仅此一项就能在第一个全年将总收入提高约 10%。</blockquote> Accordingly, Graseck initiated coverage of SoFi with an Overweight (i.e. Buy) rating and $25 price target. Investors could be pocketing gains of ~33%, should Graseck’s forecast hit the mark over the next 12 months.<blockquote>因此，Graseck 开始对 SoFi 进行跑赢大盘（即买入）评级，目标价为 25 美元。如果格拉塞克的预测在未来 12 个月内达到这一目标，投资者可能会获得约 33% 的收益。</blockquote> The rest of the Street is almost just as effusive, projecting 12-month returns of ~31%, given the average price target clocks in at $24.58. Barring 1 Hold, all 5 other recent reviews are to Buy, culminating in the stock’s Strong Buy consensus rating.<blockquote>华尔街的其他地方几乎同样热情洋溢，鉴于平均目标价为 24.58 美元，预计 12 个月回报率约为 31%。除了 1 条持有外，最近的其他 5 条评论都是买入，最终该股获得了强烈买入的共识评级。</blockquote> <img src=\"https://static.tigerbbs.com/f6c91925bf747fb093b6ec6942bde326\" tg-width=\"1207\" tg-height=\"613\" referrerpolicy=\"no-referrer\"><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>SoFi stock rose 3.6% in premarket trading<blockquote>SoFi 股价在盘前交易中上涨 3.6%</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 stock rose 3.6% in premarket trading<blockquote>SoFi 股价在盘前交易中上涨 3.6%</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 \n2021-10-14 16:58\n</div>\n</a>\n</h4>\n</header>\n<article>\nSoFi stock rose 3.6% in premarket trading&nbsp;as&nbsp;Morgan Stanley&nbsp;initiated coverage of SoFi with an Overweight (i.e. Buy) rating and $25 price target.<blockquote>SoFi 股票在盘前交易中上涨 3.6%，摩根士丹利开始对 SoFi 给予跑赢大盘（即买入）评级和 25 美元目标价。</blockquote> <img src=\"https://static.tigerbbs.com/07a5b9f3453324b84a0e3eff89ec6199\" tg-width=\"848\" tg-height=\"620\" width=\"100%\" height=\"auto\"><blockquote></blockquote> The hardest part of consumer finance, according to Morgan Stanley’s&nbsp;Betsy Graseck, is lending. Outlining the bullish case for SoFi Technologies (SOFI), the company being a specialist in this specific segment is a major differentiator.<blockquote>摩根士丹利的贝琪-格拉塞克（Betsy Graseck）认为，消费金融最难的部分是放贷。概述 SoFi Technologies 的看涨理由（索菲），该公司是这一特定领域的专家是一个主要优势。</blockquote> “SoFi is unique,” says Graseck. “It is a challenger consumer finance company that is leading with lending; specifically refinancing a high yield student loan into a lower rate.”<blockquote>“格拉塞克说：”索菲是独一无二的。“这是一家具有挑战性的消费金融公司，在贷款方面处于领先地位；特别是将高收益学生贷款以较低的利率再融资”。</blockquote> Lending is particularly difficult as it requires understanding of credit and demands a high level of customer service. But helping to solve a consumer’s cash flow issue and leaving them with more cash on tap, rewards with “higher customer loyalty.” This lending first model “generates customer leads for SoFi’s other services,” of which there are plenty.<blockquote>贷款尤其困难，因为它需要了解信用并要求高水平的客户服务。但是，帮助解决消费者的现金流问题，让他们有更多的现金，就能获得 “更高的客户忠诚度”。这种贷款优先模式 “为 SoFi 的其他服务创造客户线索”，而 SoFi 的其他服务有很多。</blockquote> Graseck uses the case of a post grad professional – HENRY – a “High Earner, Not Rich Yet customer,” who represents SOFI’s current core customer but is on “everyone’s target customer list.”<blockquote>格拉塞克以研究生专业人士亨利为例，亨利是一位 “高收入者，还不富有的客户”，他代表了 SOFI 目前的核心客户，但却在 “每个人的目标客户名单”上。</blockquote> Getting HENRY a “higher cash flow post a student loan refi,” has impacted his life. Now HENRY is “receptive to cross-buy opportunities into SoFi’s growing Financial Services product set, particularly brokerage, card, and mortgage.”<blockquote>亨利的 “学生贷款再融资后获得更高的现金流 ”影响了他的生活。现在，亨利 “乐于在 SoFi 不断增长的金融服务产品系列中获得交叉购买机会，尤其是经纪、信用卡和抵押贷款”。</blockquote> This is not just fiction, the data backs up the story. SoFi’s customers have been “ramping their cross buy,” and now make up 24% of SoFi’s total products.<blockquote>这不仅仅是虚构的，数据支持了这个故事。SoFi 的客户一直在 “增加交叉购买”，目前已占 SoFi 产品总量的 24%。</blockquote> And after more than doubling the customer base over the past year from 1.2 million to 2.6 million, over the next two years, Graseck expects it to double again and reach 5.3 million. As the customer set doubles and SoFi “expands its product offerings,” the analyst believes Financial Services revenue growth will increase at a ~150% CAGR (compound annual growth rate) over the next 2 years.<blockquote>在过去一年客户群从 120 万增加到 260 万之后，Graseck 预计未来两年将再次翻一番，达到 530 万。随着客户群的翻倍和 SoFi “扩大其产品范围”，这位分析师认为，未来两年金融服务收入增长将以约 150% 的 CAGR（复合年增长率）增长。</blockquote> Adding to the bull case, the next 6 months could see two meaningful catalysts drive “faster revenue growth and positive revisions to management guidance.”<blockquote>除了牛市之外，未来 6 个月可能会有两个有意义的催化剂推动 “更快的收入增长和对管理指导的积极修订”。</blockquote> First off, a surge in student loan volumes – a 70% increase, according to Graseck – should follow the expiration of the government’s student loan deferment program.<blockquote>首先，政府的学生贷款延期计划到期后，学生贷款额将激增--根据格拉塞克的说法，学生贷款额将增加 70%。</blockquote> Secondly, there’s the prospective approval of SoFi’s bank charter. “This alone could boost total revenues by ~10% in its first full year given benefits to NIM (net interest margin),” the analyst noted.<blockquote>其次，SoFi 的银行章程有望获得批准。“分析师指出：”考虑到净息差（NIM）的好处，仅此一项就能在第一个全年将总收入提高约 10%。</blockquote> Accordingly, Graseck initiated coverage of SoFi with an Overweight (i.e. Buy) rating and $25 price target. Investors could be pocketing gains of ~33%, should Graseck’s forecast hit the mark over the next 12 months.<blockquote>因此，Graseck 开始对 SoFi 进行跑赢大盘（即买入）评级，目标价为 25 美元。如果格拉塞克的预测在未来 12 个月内达到这一目标，投资者可能会获得约 33% 的收益。</blockquote> The rest of the Street is almost just as effusive, projecting 12-month returns of ~31%, given the average price target clocks in at $24.58. Barring 1 Hold, all 5 other recent reviews are to Buy, culminating in the stock’s Strong Buy consensus rating.<blockquote>华尔街的其他地方几乎同样热情洋溢，鉴于平均目标价为 24.58 美元，预计 12 个月回报率约为 31%。除了 1 条持有外，最近的其他 5 条评论都是买入，最终该股获得了强烈买入的共识评级。</blockquote> <img src=\"https://static.tigerbbs.com/f6c91925bf747fb093b6ec6942bde326\" tg-width=\"1207\" tg-height=\"613\" referrerpolicy=\"no-referrer\"><blockquote></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":"1139633978","content_text":"SoFi stock rose 3.6% in premarket trading as Morgan Stanley initiated coverage of SoFi with an Overweight (i.e. Buy) rating and $25 price target.\n\nThe hardest part of consumer finance, according to Morgan Stanley’s Betsy Graseck, is lending. Outlining the bullish case for SoFi Technologies (SOFI), the company being a specialist in this specific segment is a major differentiator.\n“SoFi is unique,” says Graseck. “It is a challenger consumer finance company that is leading with lending; specifically refinancing a high yield student loan into a lower rate.”\nLending is particularly difficult as it requires understanding of credit and demands a high level of customer service. But helping to solve a consumer’s cash flow issue and leaving them with more cash on tap, rewards with “higher customer loyalty.” This lending first model “generates customer leads for SoFi’s other services,” of which there are plenty.\nGraseck uses the case of a post grad professional – HENRY – a “High Earner, Not Rich Yet customer,” who represents SOFI’s current core customer but is on “everyone’s target customer list.”\nGetting HENRY a “higher cash flow post a student loan refi,” has impacted his life. Now HENRY is “receptive to cross-buy opportunities into SoFi’s growing Financial Services product set, particularly brokerage, card, and mortgage.”\nThis is not just fiction, the data backs up the story. SoFi’s customers have been “ramping their cross buy,” and now make up 24% of SoFi’s total products.\nAnd after more than doubling the customer base over the past year from 1.2 million to 2.6 million, over the next two years, Graseck expects it to double again and reach 5.3 million. As the customer set doubles and SoFi “expands its product offerings,” the analyst believes Financial Services revenue growth will increase at a ~150% CAGR (compound annual growth rate) over the next 2 years.\nAdding to the bull case, the next 6 months could see two meaningful catalysts drive “faster revenue growth and positive revisions to management guidance.”\nFirst off, a surge in student loan volumes – a 70% increase, according to Graseck – should follow the expiration of the government’s student loan deferment program.\nSecondly, there’s the prospective approval of SoFi’s bank charter. “This alone could boost total revenues by ~10% in its first full year given benefits to NIM (net interest margin),” the analyst noted.\nAccordingly, Graseck initiated coverage of SoFi with an Overweight (i.e. Buy) rating and $25 price target. Investors could be pocketing gains of ~33%, should Graseck’s forecast hit the mark over the next 12 months.\nThe rest of the Street is almost just as effusive, projecting 12-month returns of ~31%, given the average price target clocks in at $24.58. Barring 1 Hold, all 5 other recent reviews are to Buy, culminating in the stock’s Strong Buy consensus rating.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"tweetType":1,"viewCount":4153,"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,"subscribersOnly":false,"subscribersOnlyAccessible":false,"xxTargetLangEnum":"ZH_CN"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/825387429"}