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- AntzWongAntzWong
  ·2021-06-30
  👍👍
  Sofi has received the most attention for two consecutive days on the WSB forum<blockquote>Sofi连续两天在WSB论坛上受到最多关注</blockquote>
  Online personal finance company SoFi Technologies has received most attention for two consecutive da
  Sofi has received the most attention for two consecutive days on the WSB forum<blockquote>Sofi连续两天在WSB论坛上受到最多关注</blockquote>
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- AntzWongAntzWong
  ·2021-06-29
  $Tiger Brokers(TIGR)$ $29 go go go
  1,680 评论
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- AntzWongAntzWong
  ·2021-06-17
  $EHang Holdings Ltd(EH)$ go go go...
  2,213 评论
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- AntzWongAntzWong
  ·2021-06-16
  $Tiger Brokers(TIGR)$ upz or down today?
  1,792 评论
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- AntzWongAntzWong
  ·2021-06-15
  $Tiger Brokers(TIGR)$ going -10% soon
  1,631 评论
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- AntzWongAntzWong
  ·2021-06-15
  $Tiger Brokers(TIGR)$ Hope it go up again soon.drop alot.
  1,723 评论
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- AntzWongAntzWong
  ·2021-06-15
  Gg
  非常抱歉，此主贴已删除
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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论坛上受到最多关注</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":"<p>Online personal finance company SoFi Technologies&nbsp;has received most attention for two consecutive days on the&nbsp;WallStreetBets forum.</p><p><blockquote>在线个人理财公司 SoFi Technologies 连续两天在 WallStreetBets 论坛上受到最多关注。</blockquote></p><p> SoFi Technologies has emerged as the most-discussed stock on the forum with 619 mentions&nbsp;on&nbsp;Monday, data from Quiver Quantitative showed.</p><p><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></p><p> 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.</p><p><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></p><p> <b>SoFi Technologies</b>-a consumer- and business-facing financial technology (fintech) disruptor -- is one of those rare examples. Here's why it's a great investment today.</p><p><blockquote><b>SoFi技术</b>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。这就是为什么它是当今一项伟大的投资。</blockquote></p><p> <b>1. SoFi's business-to-consumer offering</b></p><p><blockquote><b>1. SoFi 的企业对消费者产品</b></blockquote></p><p> 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.</p><p><blockquote>SoFi（社交金融的缩写）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”。一半的消费者使用不止一家银行，其中80%的消费者这样做是因为服务不足，很明显，如果操作得当，这将是一项有利可图的努力。</blockquote></p><p> 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).</p><p><blockquote>这种便利可能是有价值的：交叉销售极大地增强了SoFi的单位经济性。例如，SoFi 的货币产品利润率为 34%，与个人贷款产品相结合后，利润率飙升至 80%。该公司在向用户销售第二个或第三个产品上花费零增量美元，但享受增强的消费者终身价值（LTV）。</blockquote></p><p> 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.</p><p><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发展道路要追求，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，它公布了110%的会员增长，达到228万。更令人鼓舞的是，增长率实际上已经连续七个季度加速。这指向了扩展的真正耐久性。</blockquote></p><p> 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.</p><p><blockquote>特别是SoFi的金融产品，产品增长同比飙升273%，在规模上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长了一倍多。</blockquote></p><p> 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.</p><p><blockquote>为了加深吸引力，SoFi 最近推出了社交投资产品以及一项允许散户投资者在 IPO 前访问公司的服务。对于SoFi的消费者来说，无疑还有更多的产品创新正在进行中。</blockquote></p><p> <b>2. Galileo, SoFi's business-to-business offering</b></p><p><blockquote><b>2. Galileo，SoFi 的企业对企业产品</b></blockquote></p><p> 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.</p><p><blockquote>SoFi不仅在寻找企业对消费者的成功，也在寻找企业对企业的成功。SoFi 的 Galileo 为金融科技公司提供核心数字银行功能的应用程序编程接口 (API)。伽利略原本只是SoFi面向消费者的产品的合作伙伴，但这项技术如此有效，以至于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></p><p> 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.</p><p><blockquote>上季度，伽利略会员总数同比飙升130%，达到7000万。这一增长率与去年同期的 75% 相比，表明这里也有真正的积极势头。</blockquote></p><p> 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.</p><p><blockquote>令人印象深刻的是，伽利略为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取得成功。由于金融科技有些拥挤，但也有望持续增长，这是一个有利的位置。</blockquote></p><p> 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.</p><p><blockquote>重要的是，管理层计划完全独立于SoFi运营伽利略，以确保伽利略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，考虑到了这一点。</blockquote></p><p> 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.</p><p><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拒绝机会。显然，这里有很多需求让合并后的实体享受。</blockquote></p><p> <b>3. SoFi is thriving</b></p><p><blockquote><b>3. SoFi正在蓬勃发展</b></blockquote></p><p> 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.</p><p><blockquote>当将 SoFi 的两个主要业务部门结合起来时，收入和盈利能力仍然令人瞩目。上一季度，销售额同比增长151%，达到2.16亿美元，比SoFi在投资者演示中提供的指导高出12.2%。该组织重申了其2021年的指导，尽管之前预计从收购Apex clearing中获得1200万美元的收入。</blockquote></p><p> 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.</p><p><blockquote>令人印象深刻的是，其BITDA利润率转正，同比从-48%提高到2%。这个2%的数字也超过了公司此前指引的高端；SoFi 正在蓬勃发展，而且盈利颇丰。</blockquote></p><p></p><p> 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.</p><p><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——并不疯狂，基于股东所享受的成功。</blockquote></p><p> <b>SoFi is a winner</b></p><p><blockquote><b>索菲是赢家</b></blockquote></p><p> 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.</p><p><blockquote>有很多低质量公司通过 SPAC 上市的例子，但 SPAC 不是其中之一。该公司正在点击所有气缸，看不到减速的迹象。我拥有 SoFi，我认为各类投资者也应该考虑建仓。</blockquote></p><p></p>","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论坛上受到最多关注</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论坛上受到最多关注</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\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time smaller\">2021-06-30 11:22</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>Online personal finance company SoFi Technologies&nbsp;has received most attention for two consecutive days on the&nbsp;WallStreetBets forum.</p><p><blockquote>在线个人理财公司 SoFi Technologies 连续两天在 WallStreetBets 论坛上受到最多关注。</blockquote></p><p> SoFi Technologies has emerged as the most-discussed stock on the forum with 619 mentions&nbsp;on&nbsp;Monday, data from Quiver Quantitative showed.</p><p><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></p><p> 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.</p><p><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></p><p> <b>SoFi Technologies</b>-a consumer- and business-facing financial technology (fintech) disruptor -- is one of those rare examples. Here's why it's a great investment today.</p><p><blockquote><b>SoFi技术</b>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。这就是为什么它是当今一项伟大的投资。</blockquote></p><p> <b>1. SoFi's business-to-consumer offering</b></p><p><blockquote><b>1. SoFi 的企业对消费者产品</b></blockquote></p><p> 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.</p><p><blockquote>SoFi（社交金融的缩写）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”。一半的消费者使用不止一家银行，其中80%的消费者这样做是因为服务不足，很明显，如果操作得当，这将是一项有利可图的努力。</blockquote></p><p> 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).</p><p><blockquote>这种便利可能是有价值的：交叉销售极大地增强了SoFi的单位经济性。例如，SoFi 的货币产品利润率为 34%，与个人贷款产品相结合后，利润率飙升至 80%。该公司在向用户销售第二个或第三个产品上花费零增量美元，但享受增强的消费者终身价值（LTV）。</blockquote></p><p> 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.</p><p><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发展道路要追求，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，它公布了110%的会员增长，达到228万。更令人鼓舞的是，增长率实际上已经连续七个季度加速。这指向了扩展的真正耐久性。</blockquote></p><p> 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.</p><p><blockquote>特别是SoFi的金融产品，产品增长同比飙升273%，在规模上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长了一倍多。</blockquote></p><p> 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.</p><p><blockquote>为了加深吸引力，SoFi 最近推出了社交投资产品以及一项允许散户投资者在 IPO 前访问公司的服务。对于SoFi的消费者来说，无疑还有更多的产品创新正在进行中。</blockquote></p><p> <b>2. Galileo, SoFi's business-to-business offering</b></p><p><blockquote><b>2. Galileo，SoFi 的企业对企业产品</b></blockquote></p><p> 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.</p><p><blockquote>SoFi不仅在寻找企业对消费者的成功，也在寻找企业对企业的成功。SoFi 的 Galileo 为金融科技公司提供核心数字银行功能的应用程序编程接口 (API)。伽利略原本只是SoFi面向消费者的产品的合作伙伴，但这项技术如此有效，以至于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></p><p> 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.</p><p><blockquote>上季度，伽利略会员总数同比飙升130%，达到7000万。这一增长率与去年同期的 75% 相比，表明这里也有真正的积极势头。</blockquote></p><p> 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.</p><p><blockquote>令人印象深刻的是，伽利略为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取得成功。由于金融科技有些拥挤，但也有望持续增长，这是一个有利的位置。</blockquote></p><p> 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.</p><p><blockquote>重要的是，管理层计划完全独立于SoFi运营伽利略，以确保伽利略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，考虑到了这一点。</blockquote></p><p> 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.</p><p><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拒绝机会。显然，这里有很多需求让合并后的实体享受。</blockquote></p><p> <b>3. SoFi is thriving</b></p><p><blockquote><b>3. SoFi正在蓬勃发展</b></blockquote></p><p> 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.</p><p><blockquote>当将 SoFi 的两个主要业务部门结合起来时，收入和盈利能力仍然令人瞩目。上一季度，销售额同比增长151%，达到2.16亿美元，比SoFi在投资者演示中提供的指导高出12.2%。该组织重申了其2021年的指导，尽管之前预计从收购Apex clearing中获得1200万美元的收入。</blockquote></p><p> 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.</p><p><blockquote>令人印象深刻的是，其BITDA利润率转正，同比从-48%提高到2%。这个2%的数字也超过了公司此前指引的高端；SoFi 正在蓬勃发展，而且盈利颇丰。</blockquote></p><p></p><p> 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.</p><p><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——并不疯狂，基于股东所享受的成功。</blockquote></p><p> <b>SoFi is a winner</b></p><p><blockquote><b>索菲是赢家</b></blockquote></p><p> 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.</p><p><blockquote>有很多低质量公司通过 SPAC 上市的例子，但 SPAC 不是其中之一。该公司正在点击所有气缸，看不到减速的迹象。我拥有 SoFi，我认为各类投资者也应该考虑建仓。</blockquote></p><p></p>\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 $12 million in previously anticipated revenues to recognize from its purchase of Apex clearing.\nImpressively, itsEBITDAmargin turned positive, improving from -48% to 2% year over year. This 2% figure also exceeded the high end of the company's previous guidance; SoFi is thriving, and doing so profitably.\nThe company trades for 18.3 times 2021 sales and 67 times 2021 contribution profit based on its most recent guidance -- not crazy, based on the success shareholders have enjoyed.\nSoFi is a winner\nThere are plenty of examples of low-quality companies that went public via SPAC, butSoFiis not one of them. The company is clicking on all cylinders with no slowdown in sight. I own SoFi and think investors of all kinds should consider taking a position as well.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"tweetType":1,"viewCount":1678,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":159463197,"gmtCreate":1624977181419,"gmtModify":1633946264857,"author":{"id":"3586777535961440","authorId":"3586777535961440","name":"AntzWong","avatar":"https://static.tigerbbs.com/4c52c1271f336229fd5ce7ea40ecba88","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3586777535961440","authorIdStr":"3586777535961440"},"themes":[],"title":"","htmlText":"<a target=\"_blank\" href=\"https://laohu8.com/S/TIGR\">$Tiger Brokers(TIGR)$</a> $29 go go go","listText":"<a target=\"_blank\" href=\"https://laohu8.com/S/TIGR\">$Tiger Brokers(TIGR)$</a> $29 go go go","text":"$Tiger Brokers(TIGR)$ $29 go go go","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/159463197","isVote":1,"tweetType":1,"viewCount":1680,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":161707885,"gmtCreate":1623939750647,"gmtModify":1631886077885,"author":{"id":"3586777535961440","authorId":"3586777535961440","name":"AntzWong","avatar":"https://static.tigerbbs.com/4c52c1271f336229fd5ce7ea40ecba88","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3586777535961440","authorIdStr":"3586777535961440"},"themes":[],"title":"","htmlText":"<a target=\"_blank\" href=\"https://laohu8.com/S/EH\">$EHang Holdings Ltd(EH)$</a> go go go...","listText":"<a target=\"_blank\" href=\"https://laohu8.com/S/EH\">$EHang Holdings Ltd(EH)$</a> go go go...","text":"$EHang Holdings Ltd(EH)$ go go go...","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/161707885","isVote":1,"tweetType":1,"viewCount":2213,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":169793046,"gmtCreate":1623850279085,"gmtModify":1634027125362,"author":{"id":"3586777535961440","authorId":"3586777535961440","name":"AntzWong","avatar":"https://static.tigerbbs.com/4c52c1271f336229fd5ce7ea40ecba88","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3586777535961440","authorIdStr":"3586777535961440"},"themes":[],"title":"","htmlText":"<a target=\"_blank\" href=\"https://laohu8.com/S/TIGR\">$Tiger Brokers(TIGR)$</a> upz or down today?","listText":"<a target=\"_blank\" href=\"https://laohu8.com/S/TIGR\">$Tiger Brokers(TIGR)$</a> upz or down today?","text":"$Tiger Brokers(TIGR)$ upz or down today?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/169793046","isVote":1,"tweetType":1,"viewCount":1792,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":160300804,"gmtCreate":1623771058808,"gmtModify":1634028515144,"author":{"id":"3586777535961440","authorId":"3586777535961440","name":"AntzWong","avatar":"https://static.tigerbbs.com/4c52c1271f336229fd5ce7ea40ecba88","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3586777535961440","authorIdStr":"3586777535961440"},"themes":[],"title":"","htmlText":"<a target=\"_blank\" href=\"https://laohu8.com/S/TIGR\">$Tiger Brokers(TIGR)$</a> going -10% soon","listText":"<a target=\"_blank\" href=\"https://laohu8.com/S/TIGR\">$Tiger Brokers(TIGR)$</a> going -10% soon","text":"$Tiger Brokers(TIGR)$ going -10% soon","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/160300804","isVote":1,"tweetType":1,"viewCount":1631,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":160956514,"gmtCreate":1623770364438,"gmtModify":1634028534328,"author":{"id":"3586777535961440","authorId":"3586777535961440","name":"AntzWong","avatar":"https://static.tigerbbs.com/4c52c1271f336229fd5ce7ea40ecba88","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3586777535961440","authorIdStr":"3586777535961440"},"themes":[],"title":"","htmlText":"<a target=\"_blank\" href=\"https://laohu8.com/S/TIGR\">$Tiger Brokers(TIGR)$</a> Hope it go up again soon.drop alot.","listText":"<a target=\"_blank\" href=\"https://laohu8.com/S/TIGR\">$Tiger Brokers(TIGR)$</a> Hope it go up again soon.drop alot.","text":"$Tiger Brokers(TIGR)$ Hope it go up again soon.drop 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