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Iamallama

Iamallama

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2021-05-18

Big oof

抱歉，原内容已删除

2021-04-29

$Social Capital Hedosophia Holdings Corp VI(IPOF)$Chamath what are you doing...

2021-03-27

Buy the dip

Tesla Deliveries Are Coming. They Matter More Than Ever. Here’s What to Expect.<blockquote>特斯拉交付即将到来。它们比以往任何时候都重要。这是可以期待的。</blockquote>

2021-05-28

$Social Capital Hedosophia Holdings Corp. V(IPOE)$Go above please

2021-05-27

$Social Capital Hedosophia Holdings Corp. V(IPOE)$Go up please merger soon

2021-03-31

$AMD(AMD)$buy more?

2021-06-30

Anyone getting in on this?

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>

2021-05-21

$Nokia Oyj(NOK)$Finally?

2021-06-12

$AMD(AMD)$Finally some green

2021-06-02

$Nokia Oyj(NOK)$Finally lol

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okay","listText":"Ooo okay","text":"Ooo okay","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/883098787","repostId":"2166122043","repostType":4,"isVote":1,"tweetType":1,"viewCount":2355,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":880472488,"gmtCreate":1631077102044,"gmtModify":1631884929629,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/TSM\">$Taiwan Semiconductor Manufacturing(TSM)$</a>wow green","listText":"<a href=\"https://laohu8.com/S/TSM\">$Taiwan Semiconductor Manufacturing(TSM)$</a>wow green","text":"$Taiwan Semiconductor Manufacturing(TSM)$wow 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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":1631070960,"share":"https://www.laohu8.com/m/news/1198049367?lang=zh_CN&edition=full","pubTime":"2021-09-08 11:16","market":"fut","language":"en","title":"El Salvador Becomes First Country to Adopt Bitcoin as National Currency<blockquote>萨尔瓦多成为第一个采用比特币作为本国货币的国家</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1198049367","media":"Tiger Newspress","summary":"Seven countries in the world use the US dollar as their sovereign currency, and one of them is El Sa","content":"<p>Seven countries in the world use the US dollar as their sovereign currency, and one of them is El Salvador. This country with a population of just over 6.4 million today became the first country in the world to eat crabs. Not only declared Bitcoin as the national&nbsp;currency, but also took a series of measures to ensure that Bitcoin began to be used in the&nbsp;country:</p><p><blockquote>世界上有7个国家使用美元作为主权货币，萨尔瓦多就是其中之一。这个今天只有640多万人口的国家，成为世界上第一个吃螃蟹的国家。不仅宣布比特币为国家货币，还采取了一系列措施确保比特币开始在国内使用：</blockquote></p><p> 1. Release Bitcoin App in El Salvador. The app, called Chivo, is recharged with $30 in its wallet to encourage Salvadoran people to use it.</p><p><blockquote>1.在萨发布比特币App。这款名为Chivo的应用程序在钱包中充值30美元，以鼓励萨尔瓦多人使用它。</blockquote></p><p> 2. As a sovereign country, it bought 400 bitcoins, and today, 150 bitcoins were added because of the flash collapse of bitcoin prices. These bitcoins are worth more than $20 million.</p><p><blockquote>2、作为一个主权国家，买了400个比特币，今天因为比特币价格闪崩又加了150个比特币。这些比特币价值超过2000万美元。</blockquote></p><p> 3. More than 200 ATM machines have been deployed, and a series of application scenarios have been started in people's lives, including local McDonald's and Pizza Hut consumption.</p><p><blockquote>3、部署了200多台ATM机，在百姓生活中启动了包括本地麦当劳、必胜客消费在内的一系列应用场景。</blockquote></p><p> There are many inspirations from this incident.</p><p><blockquote>这件事有很多启示。</blockquote></p><p> <b>1. Countries that use the US dollar as their sovereign currency do have the impulse to use Bitcoin, but more precisely, they have the impulse to get rid of the US dollar.</b>Seven countries in the world use the US dollar as legal tender, namely El Salvador, Panama, Ecuador, Zimbabwe, East Timor and so on. Because these sovereign states do not have the power to print money, they can only rely on foreign reserves to meet government expenditure. According to the data of El Salvador's foreign reserves (below), the foreign reserves have almost halved since COVID-19, which is problematic. On the one hand, the United States will print more and more dollars, and the purchasing power of dollars will decline (inflation); On the other hand, El Salvador did not get extra dollars. This leaves countries like El Salvador in a very difficult economic situation under the flood of dollars. In fact, El Salvador doesn't have to launch Bitcoin, but mainly wants to get rid of the dollar. Hint: The internationalization of RMB should focus on these countries that use the US dollar as their sovereign currency but suffer from it.</p><p><blockquote><b>1、以美元为主权货币的国家确实有使用比特币的冲动，但更准确地说，是有摆脱美元的冲动。</b>世界上有7个国家使用美元作为法定货币，分别是萨尔瓦多、巴拿马、厄瓜多尔、津巴布韦、东帝汶等。因为这些主权国家没有印钞的权力，只能依靠外储来满足政府开支。根据萨尔瓦多外储数据（下图），新冠疫情以来外储几乎减半，这是有问题的。一方面，美国会印越来越多的美元，美元购买力下降（通货膨胀）；另一方面，萨尔瓦多没有得到额外的美元。这使得像萨尔瓦多这样的国家在美元洪流下处于非常困难的经济状况。其实，萨尔瓦多并不一定要推出比特币，主要是想摆脱美元。提示：人民币国际化的重点应该放在这些以美元为主权货币却深受其害的国家身上。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/0f8b827ccde8b38d2f4957addc2076aa\" tg-width=\"326\" tg-height=\"160\" referrerpolicy=\"no-referrer\"></p><p><blockquote></blockquote></p><p> <b>2. Who is behind the development and support of Bitcoin App and ATM in El Salvador?</b>El Salvador is a poor country, but this time it launched an app to send $30 and more than 200 ATM machines. I don't think El Salvador's private technology companies have the ability to make a national wallet App and more than 200 ATM machines, while the government is even less capable. According to the Wall Street Journal, Salvadoran App downloads, which are not in Apple App Store or Google App Store, first appeared in Huawei App Store.</p><p><blockquote><b>2.比特币App和ATM在萨尔瓦多的开发和支持背后是谁？</b>萨尔瓦多是一个贫穷的国家，但这次它推出了一个应用程序，发送30美元和200多台ATM机。我认为萨尔瓦多的私营科技公司没有能力做出一个全国性的钱包App和200多台ATM机，而政府更没有能力。据《华尔街日报》报道，不在苹果应用商店或谷歌应用商店的萨尔瓦多应用下载，首先出现在华为应用商店。</blockquote></p><p> <b>3. Will Bitcoin further show its versatility because of El Salvador? On the contrary, this incident has exposed the shortcomings of Bitcoin.</b>Today, El Salvador announced the use of Bitcoin, which not only did not push up the price of Bitcoin, but caused the price of Bitcoin to collapse by 17%. Whether the good news is exhausted or some people run away with good news, it shows once again that Bitcoin is too speculative. But that's not the point.</p><p><blockquote><b>3.比特币是否会因为萨尔瓦多而进一步展现多才多艺？相反，这一事件暴露了比特币的短板。</b>今天，萨尔瓦多宣布使用比特币，不仅没有推高比特币价格，反而让比特币价格暴跌17%。不管是利好出尽，还是有人拿着利好跑路，都再次说明比特币投机心理太强。但这不是重点。</blockquote></p><p> The key factor is the Bitcoin App in El Salvador. Bitcoin, as the virtual currency with the largest imagination space, is used beyond national boundaries. In fact, the core of Bitcoin launched by El Salvador is App under the control of the national government. In other words, if you want to use Bitcoin in El Salvador, you have to download this app (Chivo). Spending in El Salvador through this wallet App is no different from buying breakfast in China through WeChat wallet. Of course, you have to say that one bottom is Bitcoin and the other bottom is RMB, which is different. But for users, there is no difference. If Bitcoin can't be used beyond App (beyond national boundaries), its status as digital cash still can't be confirmed.</p><p><blockquote>关键因素是萨尔瓦多的比特币应用程序。比特币作为想象空间最大的虚拟货币，其使用超越国界。事实上，萨推出的比特币核心是国家政府掌控下的App。换句话说，如果你想在萨尔瓦多使用比特币，你必须下载这个应用程序（Chivo）。通过这款钱包App在萨尔瓦多消费，和在国内通过微信钱包买早餐没什么区别。当然，你要说一个底是比特币，一个底是人民币，这是不一样的。但对于用户来说，并没有什么区别。如果比特币不能超越App（超越国界）使用，其作为数字现金的地位仍然无法确认。</blockquote></p><p> In a word, bitcoin is more like gold than currency.</p><p><blockquote>一言以蔽之，比特币更像黄金而非货币。</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>El Salvador Becomes First Country to Adopt Bitcoin as National Currency<blockquote>萨尔瓦多成为第一个采用比特币作为本国货币的国家</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\">\nEl Salvador Becomes First Country to Adopt Bitcoin as National Currency<blockquote>萨尔瓦多成为第一个采用比特币作为本国货币的国家</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\">2021-09-08 11:16</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>Seven countries in the world use the US dollar as their sovereign currency, and one of them is El Salvador. This country with a population of just over 6.4 million today became the first country in the world to eat crabs. Not only declared Bitcoin as the national&nbsp;currency, but also took a series of measures to ensure that Bitcoin began to be used in the&nbsp;country:</p><p><blockquote>世界上有7个国家使用美元作为主权货币，萨尔瓦多就是其中之一。这个今天只有640多万人口的国家，成为世界上第一个吃螃蟹的国家。不仅宣布比特币为国家货币，还采取了一系列措施确保比特币开始在国内使用：</blockquote></p><p> 1. Release Bitcoin App in El Salvador. The app, called Chivo, is recharged with $30 in its wallet to encourage Salvadoran people to use it.</p><p><blockquote>1.在萨发布比特币App。这款名为Chivo的应用程序在钱包中充值30美元，以鼓励萨尔瓦多人使用它。</blockquote></p><p> 2. As a sovereign country, it bought 400 bitcoins, and today, 150 bitcoins were added because of the flash collapse of bitcoin prices. These bitcoins are worth more than $20 million.</p><p><blockquote>2、作为一个主权国家，买了400个比特币，今天因为比特币价格闪崩又加了150个比特币。这些比特币价值超过2000万美元。</blockquote></p><p> 3. More than 200 ATM machines have been deployed, and a series of application scenarios have been started in people's lives, including local McDonald's and Pizza Hut consumption.</p><p><blockquote>3、部署了200多台ATM机，在百姓生活中启动了包括本地麦当劳、必胜客消费在内的一系列应用场景。</blockquote></p><p> There are many inspirations from this incident.</p><p><blockquote>这件事有很多启示。</blockquote></p><p> <b>1. Countries that use the US dollar as their sovereign currency do have the impulse to use Bitcoin, but more precisely, they have the impulse to get rid of the US dollar.</b>Seven countries in the world use the US dollar as legal tender, namely El Salvador, Panama, Ecuador, Zimbabwe, East Timor and so on. Because these sovereign states do not have the power to print money, they can only rely on foreign reserves to meet government expenditure. According to the data of El Salvador's foreign reserves (below), the foreign reserves have almost halved since COVID-19, which is problematic. On the one hand, the United States will print more and more dollars, and the purchasing power of dollars will decline (inflation); On the other hand, El Salvador did not get extra dollars. This leaves countries like El Salvador in a very difficult economic situation under the flood of dollars. In fact, El Salvador doesn't have to launch Bitcoin, but mainly wants to get rid of the dollar. Hint: The internationalization of RMB should focus on these countries that use the US dollar as their sovereign currency but suffer from it.</p><p><blockquote><b>1、以美元为主权货币的国家确实有使用比特币的冲动，但更准确地说，是有摆脱美元的冲动。</b>世界上有7个国家使用美元作为法定货币，分别是萨尔瓦多、巴拿马、厄瓜多尔、津巴布韦、东帝汶等。因为这些主权国家没有印钞的权力，只能依靠外储来满足政府开支。根据萨尔瓦多外储数据（下图），新冠疫情以来外储几乎减半，这是有问题的。一方面，美国会印越来越多的美元，美元购买力下降（通货膨胀）；另一方面，萨尔瓦多没有得到额外的美元。这使得像萨尔瓦多这样的国家在美元洪流下处于非常困难的经济状况。其实，萨尔瓦多并不一定要推出比特币，主要是想摆脱美元。提示：人民币国际化的重点应该放在这些以美元为主权货币却深受其害的国家身上。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/0f8b827ccde8b38d2f4957addc2076aa\" tg-width=\"326\" tg-height=\"160\" referrerpolicy=\"no-referrer\"></p><p><blockquote></blockquote></p><p> <b>2. Who is behind the development and support of Bitcoin App and ATM in El Salvador?</b>El Salvador is a poor country, but this time it launched an app to send $30 and more than 200 ATM machines. I don't think El Salvador's private technology companies have the ability to make a national wallet App and more than 200 ATM machines, while the government is even less capable. According to the Wall Street Journal, Salvadoran App downloads, which are not in Apple App Store or Google App Store, first appeared in Huawei App Store.</p><p><blockquote><b>2.比特币App和ATM在萨尔瓦多的开发和支持背后是谁？</b>萨尔瓦多是一个贫穷的国家，但这次它推出了一个应用程序，发送30美元和200多台ATM机。我认为萨尔瓦多的私营科技公司没有能力做出一个全国性的钱包App和200多台ATM机，而政府更没有能力。据《华尔街日报》报道，不在苹果应用商店或谷歌应用商店的萨尔瓦多应用下载，首先出现在华为应用商店。</blockquote></p><p> <b>3. Will Bitcoin further show its versatility because of El Salvador? On the contrary, this incident has exposed the shortcomings of Bitcoin.</b>Today, El Salvador announced the use of Bitcoin, which not only did not push up the price of Bitcoin, but caused the price of Bitcoin to collapse by 17%. Whether the good news is exhausted or some people run away with good news, it shows once again that Bitcoin is too speculative. But that's not the point.</p><p><blockquote><b>3.比特币是否会因为萨尔瓦多而进一步展现多才多艺？相反，这一事件暴露了比特币的短板。</b>今天，萨尔瓦多宣布使用比特币，不仅没有推高比特币价格，反而让比特币价格暴跌17%。不管是利好出尽，还是有人拿着利好跑路，都再次说明比特币投机心理太强。但这不是重点。</blockquote></p><p> The key factor is the Bitcoin App in El Salvador. Bitcoin, as the virtual currency with the largest imagination space, is used beyond national boundaries. In fact, the core of Bitcoin launched by El Salvador is App under the control of the national government. In other words, if you want to use Bitcoin in El Salvador, you have to download this app (Chivo). Spending in El Salvador through this wallet App is no different from buying breakfast in China through WeChat wallet. Of course, you have to say that one bottom is Bitcoin and the other bottom is RMB, which is different. But for users, there is no difference. If Bitcoin can't be used beyond App (beyond national boundaries), its status as digital cash still can't be confirmed.</p><p><blockquote>关键因素是萨尔瓦多的比特币应用程序。比特币作为想象空间最大的虚拟货币，其使用超越国界。事实上，萨推出的比特币核心是国家政府掌控下的App。换句话说，如果你想在萨尔瓦多使用比特币，你必须下载这个应用程序（Chivo）。通过这款钱包App在萨尔瓦多消费，和在国内通过微信钱包买早餐没什么区别。当然，你要说一个底是比特币，一个底是人民币，这是不一样的。但对于用户来说，并没有什么区别。如果比特币不能超越App（超越国界）使用，其作为数字现金的地位仍然无法确认。</blockquote></p><p> In a word, bitcoin is more like gold than currency.</p><p><blockquote>一言以蔽之，比特币更像黄金而非货币。</blockquote></p><p></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"GBTC":"比特币ETF-Grayscale","COIN":"Coinbase Global, Inc."},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1198049367","content_text":"Seven countries in the world use the US dollar as their sovereign currency, and one of them is El Salvador. This country with a population of just over 6.4 million today became the first country in the world to eat crabs. Not only declared Bitcoin as the national currency, but also took a series of measures to ensure that Bitcoin began to be used in the country:\n1. Release Bitcoin App in El Salvador. The app, called Chivo, is recharged with $30 in its wallet to encourage Salvadoran people to use it.\n2. As a sovereign country, it bought 400 bitcoins, and today, 150 bitcoins were added because of the flash collapse of bitcoin prices. These bitcoins are worth more than $20 million.\n3. More than 200 ATM machines have been deployed, and a series of application scenarios have been started in people's lives, including local McDonald's and Pizza Hut consumption.\nThere are many inspirations from this incident.\n1. Countries that use the US dollar as their sovereign currency do have the impulse to use Bitcoin, but more precisely, they have the impulse to get rid of the US dollar.Seven countries in the world use the US dollar as legal tender, namely El Salvador, Panama, Ecuador, Zimbabwe, East Timor and so on. Because these sovereign states do not have the power to print money, they can only rely on foreign reserves to meet government expenditure. According to the data of El Salvador's foreign reserves (below), the foreign reserves have almost halved since COVID-19, which is problematic. On the one hand, the United States will print more and more dollars, and the purchasing power of dollars will decline (inflation); On the other hand, El Salvador did not get extra dollars. This leaves countries like El Salvador in a very difficult economic situation under the flood of dollars. In fact, El Salvador doesn't have to launch Bitcoin, but mainly wants to get rid of the dollar. Hint: The internationalization of RMB should focus on these countries that use the US dollar as their sovereign currency but suffer from it.\n\n2. Who is behind the development and support of Bitcoin App and ATM in El Salvador?El Salvador is a poor country, but this time it launched an app to send $30 and more than 200 ATM machines. I don't think El Salvador's private technology companies have the ability to make a national wallet App and more than 200 ATM machines, while the government is even less capable. According to the Wall Street Journal, Salvadoran App downloads, which are not in Apple App Store or Google App Store, first appeared in Huawei App Store.\n3. Will Bitcoin further show its versatility because of El Salvador? On the contrary, this incident has exposed the shortcomings of Bitcoin.Today, El Salvador announced the use of Bitcoin, which not only did not push up the price of Bitcoin, but caused the price of Bitcoin to collapse by 17%. Whether the good news is exhausted or some people run away with good news, it shows once again that Bitcoin is too speculative. But that's not the point.\nThe key factor is the Bitcoin App in El Salvador. Bitcoin, as the virtual currency with the largest imagination space, is used beyond national boundaries. In fact, the core of Bitcoin launched by El Salvador is App under the control of the national government. In other words, if you want to use Bitcoin in El Salvador, you have to download this app (Chivo). Spending in El Salvador through this wallet App is no different from buying breakfast in China through WeChat wallet. Of course, you have to say that one bottom is Bitcoin and the other bottom is RMB, which is different. But for users, there is no difference. If Bitcoin can't be used beyond App (beyond national boundaries), its status as digital cash still can't be confirmed.\nIn a word, bitcoin is more like gold than currency.","news_type":1,"symbols_score_info":{"COIN":0.9,"GBTC":0.9}},"isVote":1,"tweetType":1,"viewCount":2211,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":816109804,"gmtCreate":1630473222008,"gmtModify":1631884930069,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/TSM\">$Taiwan Semiconductor Manufacturing(TSM)$</a>chips are slow","listText":"<a href=\"https://laohu8.com/S/TSM\">$Taiwan Semiconductor Manufacturing(TSM)$</a>chips are slow","text":"$Taiwan Semiconductor Manufacturing(TSM)$chips are slow","images":[{"img":"https://static.tigerbbs.com/b77ceb7a5c5b80660462087cacfa3c9c","width":"720","height":"1280"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/816109804","isVote":1,"tweetType":1,"viewCount":2447,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":833077205,"gmtCreate":1629193466907,"gmtModify":1631883921410,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/PLTR\">$Palantir Technologies Inc.(PLTR)$</a>buy or sell?","listText":"<a href=\"https://laohu8.com/S/PLTR\">$Palantir Technologies Inc.(PLTR)$</a>buy or sell?","text":"$Palantir 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VI(IPOF)$</a>fome movement please?","text":"$Social Capital Hedosophia Holdings Corp VI(IPOF)$fome movement please?","images":[{"img":"https://static.tigerbbs.com/071fb7f6c5881e6e10af4a4d8165bcaa","width":"720","height":"1280"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/892244857","isVote":1,"tweetType":1,"viewCount":3409,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":890872854,"gmtCreate":1628097128878,"gmtModify":1631885283239,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/TSM\">$Taiwan Semiconductor Manufacturing(TSM)$</a>sideways for the longest time","listText":"<a href=\"https://laohu8.com/S/TSM\">$Taiwan Semiconductor Manufacturing(TSM)$</a>sideways for the longest time","text":"$Taiwan Semiconductor Manufacturing(TSM)$sideways for the longest 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href=\"https://laohu8.com/S/IPOF\">$Social Capital Hedosophia Holdings Corp VI(IPOF)$</a>buy more? Lower the average?","listText":"<a href=\"https://laohu8.com/S/IPOF\">$Social Capital Hedosophia Holdings Corp VI(IPOF)$</a>buy more? Lower the average?","text":"$Social Capital Hedosophia Holdings Corp VI(IPOF)$buy more? Lower the average?","images":[{"img":"https://static.tigerbbs.com/39df0e0fda11e9df4edb87547e97c1c0","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/147982181","isVote":1,"tweetType":1,"viewCount":2786,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":145481543,"gmtCreate":1626237547982,"gmtModify":1631891813453,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"For now ahah","listText":"For now ahah","text":"For now ahah","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/145481543","repostId":"1166729175","repostType":4,"isVote":1,"tweetType":1,"viewCount":504,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":152075282,"gmtCreate":1625247453046,"gmtModify":1631888610807,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/IPOF\">$Social Capital Hedosophia Holdings Corp VI(IPOF)$</a>Can the company to be merged with be announced soon?&nbsp;","listText":"<a href=\"https://laohu8.com/S/IPOF\">$Social Capital Hedosophia Holdings Corp VI(IPOF)$</a>Can the company to be merged with be announced soon?&nbsp;","text":"$Social Capital Hedosophia Holdings Corp VI(IPOF)$Can the company to be merged with be announced soon?","images":[{"img":"https://static.tigerbbs.com/15c96d84d8c823fa5e7075c635721b01","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/152075282","isVote":1,"tweetType":1,"viewCount":494,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":158568564,"gmtCreate":1625156801058,"gmtModify":1631891813461,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/TSM\">$Taiwan Semiconductor Manufacturing(TSM)$</a>When are you make some movements dear tsm?&nbsp;","listText":"<a href=\"https://laohu8.com/S/TSM\">$Taiwan Semiconductor Manufacturing(TSM)$</a>When are you make some movements dear tsm?&nbsp;","text":"$Taiwan Semiconductor Manufacturing(TSM)$When are you make some movements dear tsm?","images":[{"img":"https://static.tigerbbs.com/ae32f0a5f7e5df13591186c924c79113","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/158568564","isVote":1,"tweetType":1,"viewCount":706,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":153250905,"gmtCreate":1625029066207,"gmtModify":1631891813475,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"Anyone getting in on this?&nbsp;","listText":"Anyone getting in on this?&nbsp;","text":"Anyone getting in on this?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/153250905","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":"<p>Online personal finance company SoFi Technologies&nbsp;has received most attention for two consecutive days on the&nbsp;WallStreetBets forum.</p><p><blockquote>在线个人金融公司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。这就是为什么它在今天是一项伟大的投资。</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（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></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></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></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>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></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></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></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></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，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></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></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对机会说不。显然，这里对合并后的实体有很大的需求。</blockquote></p><p> <b>3. SoFi is thriving</b></p><p><blockquote><b>3.SoFi欣欣向荣</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></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，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></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——考虑到股东所取得的成功，这并不疯狂。</blockquote></p><p> <b>SoFi is a winner</b></p><p><blockquote><b>SoFi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>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></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\">\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>在线个人金融公司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。这就是为什么它在今天是一项伟大的投资。</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（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></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></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></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>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></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></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></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></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，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></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></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对机会说不。显然，这里对合并后的实体有很大的需求。</blockquote></p><p> <b>3. SoFi is thriving</b></p><p><blockquote><b>3.SoFi欣欣向荣</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></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，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></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——考虑到股东所取得的成功，这并不疯狂。</blockquote></p><p> <b>SoFi is a winner</b></p><p><blockquote><b>SoFi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>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></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 $12 million in previously anticipated revenues to recognize from its purchase of Apex clearing.\nImpressively, itsEBITDAmargin turned positive, improving from -48% to 2% year over year. This 2% figure also exceeded the high end of the company's previous guidance; SoFi is thriving, and doing so profitably.\nThe company trades for 18.3 times 2021 sales and 67 times 2021 contribution profit based on its most recent guidance -- not crazy, based on the success shareholders have enjoyed.\nSoFi is a winner\nThere are plenty of examples of low-quality companies that went public via SPAC, butSoFiis not one of them. The company is clicking on all cylinders with no slowdown in sight. I own SoFi and think investors of all kinds should consider taking a position as 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climb","images":[{"img":"https://static.tigerbbs.com/a006a590aec7dea3a79526e0ca0f1151","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/160922807","isVote":1,"tweetType":1,"viewCount":460,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0}],"hots":[{"id":195433647,"gmtCreate":1621306327189,"gmtModify":1634192583592,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"Big oof","listText":"Big oof","text":"Big 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Holdings Corp VI(IPOF)$Chamath what are you doing...","images":[{"img":"https://static.tigerbbs.com/16ea575484eb37ee9b4a4e8a31dc3cfc","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":4,"repostSize":0,"link":"https://laohu8.com/post/100406139","isVote":1,"tweetType":1,"viewCount":969,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3546924284403801","authorId":"3546924284403801","name":"股霸王花","avatar":"https://static.tigerbbs.com/00007ceb6fc402a3ab4f3e8790359ebb","crmLevel":1,"crmLevelSwitch":0,"authorIdStr":"3546924284403801","idStr":"3546924284403801"},"content":"to the moon or to the hell😂","text":"to the moon or to the hell😂","html":"to the moon or to the hell😂"}],"imageCount":1,"langContent":"EN","totalScore":0},{"id":356791436,"gmtCreate":1616812638325,"gmtModify":1634523869011,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"Buy the dip","listText":"Buy the dip","text":"Buy the dip","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/356791436","repostId":"1111192234","repostType":4,"repost":{"id":"1111192234","kind":"news","pubTimestamp":1616772179,"share":"https://www.laohu8.com/m/news/1111192234?lang=zh_CN&edition=full","pubTime":"2021-03-26 23:22","market":"us","language":"en","title":"Tesla Deliveries Are Coming. They Matter More Than Ever. Here’s What to Expect.<blockquote>特斯拉交付即将到来。它们比以往任何时候都重要。这是可以期待的。</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1111192234","media":"Barrons","summary":"The first quarter ends in just a few days. That means more delivery data from auto makers is due. For investors, the figures will be higher stakes than usual. The reason is simple: The global automotive microchip shortage is roiling the entire car business.Numbers will matter even more for richly valued, high-growth companies such as Tesla. Tesla investors want growth, and the chip situation is squeezing growth. Both General Motors and Ford Motor have taken unexpected plant downtime recently and","content":"<p>The first quarter ends in just a few days. That means more delivery data from auto makers is due. For investors, the figures will be higher stakes than usual. The reason is simple: The global automotive microchip shortage is roiling the entire car business.</p><p><blockquote>第一季度再过几天就结束了。这意味着汽车制造商的更多交付数据即将发布。对于投资者来说，这些数字将比平时更重要。原因很简单：全球汽车微芯片短缺正在扰乱整个汽车行业。</blockquote></p><p> Numbers will matter even more for richly valued, high-growth companies such as&nbsp;Tesla(ticker: TSLA). Tesla investors want growth, and the chip situation is squeezing growth. Both&nbsp;General Motors(GM) and&nbsp;Ford Motor(F) have taken unexpected plant downtime recently and have called the chip issue a billion-dollar profit headwind for 2021. That’s not what investors want to hear.</p><p><blockquote>对于特斯拉（股票代码：TSLA）等估值高、高增长的公司来说，数字将更加重要。特斯拉投资者想要增长，而芯片形势正在挤压增长。通用汽车(GM)和福特汽车(F)最近都意外停工，并称芯片问题是2021年10亿美元利润的阻力。这不是投资者想听到的。</blockquote></p><p> Everyone is aware of the issue. Still, when first-quarter data is released, investors have to decide whether or not to give Tesla, or any other fast-growing EV maker, a pass if results are weaker than expected.</p><p><blockquote>每个人都意识到了这个问题。尽管如此，当第一季度数据公布时，如果业绩弱于预期，投资者必须决定是否给特斯拉或任何其他快速增长的电动汽车制造商一个通行证。</blockquote></p><p> So far the market isn’t feeling charitable. But the sample size is only one stock.</p><p><blockquote>到目前为止，市场并不仁慈。但样本量只有一只股票。</blockquote></p><p> NIO&nbsp;shares (NIO) are down more than 6% in Friday trading after the EV maker&nbsp;reduced guidance&nbsp;for first-quarter deliveries from about 20,250 cars to about 19,500. NIO management cited the chip shortage and is shutting a manufacturing plant for five days starting March 29.</p><p><blockquote>电动汽车制造商蔚来（蔚来）将第一季度交付量指引从约20,250辆下调至约19,500辆，该公司股价在周五交易中下跌超过6%。蔚来管理层以芯片短缺为由，将从3月29日开始关闭一家制造工厂五天。</blockquote></p><p> For Tesla, Wall Street is looking for about 162,000 vehicles delivered in March. That’s down from a peak estimate of about 183,000 vehicles. Analysts seem to be reducing numbers, possibly because of the shortage.</p><p><blockquote>对于特斯拉，华尔街正在寻找3月份交付的约16.2万辆汽车。这低于峰值估计的约183,000辆。分析师似乎正在减少数量，可能是因为短缺。</blockquote></p><p> Tesla delivered about 181,000 vehicles in the&nbsp;fourth quarter. For the full year 2021, analysts are looking for almost 800,000 vehicle deliveries, up about 60% year over year.</p><p><blockquote>特斯拉第四季度交付了约18.1万辆汽车。分析师预计2021年全年汽车交付量将接近80万辆，同比增长约60%。</blockquote></p><p> RBC analyst&nbsp;Joe Spak&nbsp;is forecasting 170,000 first-quarter deliveries, up more than 90% year over year. He also forecasts Tesla will make 96,000 cars in California and 74,000 cars in China during the quarter. “Consensus [estimate] looks mostly reasonable,” wrote Spak in a Thursday report. “We do look for updates to see how the semi shortage is impacting&nbsp;Tesla—as it has the rest of the industry.” He sees some additional downside risk to estimates, especially for second-quarter numbers, because of chips.</p><p><blockquote>RBC分析师Joe Spak预测第一季度交付量为17万辆，同比增长90%以上。他还预测，本季度特斯拉将在加州生产96,000辆汽车，在中国生产74,000辆汽车。斯帕克在周四的一份报告中写道：“共识[估计]看起来基本合理。”“我们确实在寻找最新消息，以了解semi短缺如何影响特斯拉——就像它对行业其他部门一样。”他认为，由于芯片的原因，预期存在一些额外的下行风险，尤其是第二季度的数据。</blockquote></p><p> Spak rates Tesla stock Hold and has a $725 price target for shares.</p><p><blockquote>Spak将特斯拉股票评级为持有，目标价为725美元。</blockquote></p><p> In the case of Tesla stock, the chip shortage has taken a back seat to rising interest rates. Rising rateshit growth stocksin two main ways. For starters, it makes growth more expensive to finance. NIO isn’t profitable yet. High-growth companies generate most of their cash flow far in the future. That cash flow is worth a little less, relatively speaking, when investors can earn higher interest rates on their cash today.</p><p><blockquote>就特斯拉股票而言，芯片短缺已经让位于利率上升。利率上升主要以两种方式影响成长型股票。首先，这使得增长的融资成本更高。蔚来尚未盈利。高增长公司的大部分现金流是在遥远的未来产生的。相对而言，当投资者今天可以用现金赚取更高的利率时，现金流的价值就会低一些。</blockquote></p><p> Tesla stock is down roughly 10% year to date after rising more than 740% in 2020. Shares are down 0.9% in early Friday trading, at $634.40. The&nbsp;S&amp;P 500is up about 0.7%.</p><p><blockquote>特斯拉股价在2020年上涨超过740%后，今年迄今已下跌约10%。周五早盘交易中，股价下跌0.9%，至634.40美元。标准普尔500指数上涨约0.7%。</blockquote></p><p></p>","source":"lsy1601382232898","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>Tesla Deliveries Are Coming. They Matter More Than Ever. Here’s What to Expect.<blockquote>特斯拉交付即将到来。它们比以往任何时候都重要。这是可以期待的。</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\">\nTesla Deliveries Are Coming. They Matter More Than Ever. Here’s What to Expect.<blockquote>特斯拉交付即将到来。它们比以往任何时候都重要。这是可以期待的。</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Barrons</strong><span class=\"h-time small\">2021-03-26 23:22</span>\n</p>\n</h4>\n</header>\n<article>\n<p>The first quarter ends in just a few days. That means more delivery data from auto makers is due. For investors, the figures will be higher stakes than usual. The reason is simple: The global automotive microchip shortage is roiling the entire car business.</p><p><blockquote>第一季度再过几天就结束了。这意味着汽车制造商的更多交付数据即将发布。对于投资者来说，这些数字将比平时更重要。原因很简单：全球汽车微芯片短缺正在扰乱整个汽车行业。</blockquote></p><p> Numbers will matter even more for richly valued, high-growth companies such as&nbsp;Tesla(ticker: TSLA). Tesla investors want growth, and the chip situation is squeezing growth. Both&nbsp;General Motors(GM) and&nbsp;Ford Motor(F) have taken unexpected plant downtime recently and have called the chip issue a billion-dollar profit headwind for 2021. That’s not what investors want to hear.</p><p><blockquote>对于特斯拉（股票代码：TSLA）等估值高、高增长的公司来说，数字将更加重要。特斯拉投资者想要增长，而芯片形势正在挤压增长。通用汽车(GM)和福特汽车(F)最近都意外停工，并称芯片问题是2021年10亿美元利润的阻力。这不是投资者想听到的。</blockquote></p><p> Everyone is aware of the issue. Still, when first-quarter data is released, investors have to decide whether or not to give Tesla, or any other fast-growing EV maker, a pass if results are weaker than expected.</p><p><blockquote>每个人都意识到了这个问题。尽管如此，当第一季度数据公布时，如果业绩弱于预期，投资者必须决定是否给特斯拉或任何其他快速增长的电动汽车制造商一个通行证。</blockquote></p><p> So far the market isn’t feeling charitable. But the sample size is only one stock.</p><p><blockquote>到目前为止，市场并不仁慈。但样本量只有一只股票。</blockquote></p><p> NIO&nbsp;shares (NIO) are down more than 6% in Friday trading after the EV maker&nbsp;reduced guidance&nbsp;for first-quarter deliveries from about 20,250 cars to about 19,500. NIO management cited the chip shortage and is shutting a manufacturing plant for five days starting March 29.</p><p><blockquote>电动汽车制造商蔚来（蔚来）将第一季度交付量指引从约20,250辆下调至约19,500辆，该公司股价在周五交易中下跌超过6%。蔚来管理层以芯片短缺为由，将从3月29日开始关闭一家制造工厂五天。</blockquote></p><p> For Tesla, Wall Street is looking for about 162,000 vehicles delivered in March. That’s down from a peak estimate of about 183,000 vehicles. Analysts seem to be reducing numbers, possibly because of the shortage.</p><p><blockquote>对于特斯拉，华尔街正在寻找3月份交付的约16.2万辆汽车。这低于峰值估计的约183,000辆。分析师似乎正在减少数量，可能是因为短缺。</blockquote></p><p> Tesla delivered about 181,000 vehicles in the&nbsp;fourth quarter. For the full year 2021, analysts are looking for almost 800,000 vehicle deliveries, up about 60% year over year.</p><p><blockquote>特斯拉第四季度交付了约18.1万辆汽车。分析师预计2021年全年汽车交付量将接近80万辆，同比增长约60%。</blockquote></p><p> RBC analyst&nbsp;Joe Spak&nbsp;is forecasting 170,000 first-quarter deliveries, up more than 90% year over year. He also forecasts Tesla will make 96,000 cars in California and 74,000 cars in China during the quarter. “Consensus [estimate] looks mostly reasonable,” wrote Spak in a Thursday report. “We do look for updates to see how the semi shortage is impacting&nbsp;Tesla—as it has the rest of the industry.” He sees some additional downside risk to estimates, especially for second-quarter numbers, because of chips.</p><p><blockquote>RBC分析师Joe Spak预测第一季度交付量为17万辆，同比增长90%以上。他还预测，本季度特斯拉将在加州生产96,000辆汽车，在中国生产74,000辆汽车。斯帕克在周四的一份报告中写道：“共识[估计]看起来基本合理。”“我们确实在寻找最新消息，以了解semi短缺如何影响特斯拉——就像它对行业其他部门一样。”他认为，由于芯片的原因，预期存在一些额外的下行风险，尤其是第二季度的数据。</blockquote></p><p> Spak rates Tesla stock Hold and has a $725 price target for shares.</p><p><blockquote>Spak将特斯拉股票评级为持有，目标价为725美元。</blockquote></p><p> In the case of Tesla stock, the chip shortage has taken a back seat to rising interest rates. Rising rateshit growth stocksin two main ways. For starters, it makes growth more expensive to finance. NIO isn’t profitable yet. High-growth companies generate most of their cash flow far in the future. That cash flow is worth a little less, relatively speaking, when investors can earn higher interest rates on their cash today.</p><p><blockquote>就特斯拉股票而言，芯片短缺已经让位于利率上升。利率上升主要以两种方式影响成长型股票。首先，这使得增长的融资成本更高。蔚来尚未盈利。高增长公司的大部分现金流是在遥远的未来产生的。相对而言，当投资者今天可以用现金赚取更高的利率时，现金流的价值就会低一些。</blockquote></p><p> Tesla stock is down roughly 10% year to date after rising more than 740% in 2020. Shares are down 0.9% in early Friday trading, at $634.40. The&nbsp;S&amp;P 500is up about 0.7%.</p><p><blockquote>特斯拉股价在2020年上涨超过740%后，今年迄今已下跌约10%。周五早盘交易中，股价下跌0.9%，至634.40美元。标准普尔500指数上涨约0.7%。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.barrons.com/articles/tesla-deliveries-are-coming-they-matter-more-than-ever-heres-what-to-expect-51616769819?mod=hp_DAY_Theme_1_3\">Barrons</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"https://www.barrons.com/articles/tesla-deliveries-are-coming-they-matter-more-than-ever-heres-what-to-expect-51616769819?mod=hp_DAY_Theme_1_3","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1111192234","content_text":"The first quarter ends in just a few days. That means more delivery data from auto makers is due. For investors, the figures will be higher stakes than usual. The reason is simple: The global automotive microchip shortage is roiling the entire car business.\nNumbers will matter even more for richly valued, high-growth companies such as Tesla(ticker: TSLA). Tesla investors want growth, and the chip situation is squeezing growth. Both General Motors(GM) and Ford Motor(F) have taken unexpected plant downtime recently and have called the chip issue a billion-dollar profit headwind for 2021. That’s not what investors want to hear.\nEveryone is aware of the issue. Still, when first-quarter data is released, investors have to decide whether or not to give Tesla, or any other fast-growing EV maker, a pass if results are weaker than expected.\nSo far the market isn’t feeling charitable. But the sample size is only one stock.\nNIO shares (NIO) are down more than 6% in Friday trading after the EV maker reduced guidance for first-quarter deliveries from about 20,250 cars to about 19,500. NIO management cited the chip shortage and is shutting a manufacturing plant for five days starting March 29.\nFor Tesla, Wall Street is looking for about 162,000 vehicles delivered in March. That’s down from a peak estimate of about 183,000 vehicles. Analysts seem to be reducing numbers, possibly because of the shortage.\nTesla delivered about 181,000 vehicles in the fourth quarter. For the full year 2021, analysts are looking for almost 800,000 vehicle deliveries, up about 60% year over year.\nRBC analyst Joe Spak is forecasting 170,000 first-quarter deliveries, up more than 90% year over year. He also forecasts Tesla will make 96,000 cars in California and 74,000 cars in China during the quarter. “Consensus [estimate] looks mostly reasonable,” wrote Spak in a Thursday report. “We do look for updates to see how the semi shortage is impacting Tesla—as it has the rest of the industry.” He sees some additional downside risk to estimates, especially for second-quarter numbers, because of chips.\nSpak rates Tesla stock Hold and has a $725 price target for shares.\nIn the case of Tesla stock, the chip shortage has taken a back seat to rising interest rates. Rising rateshit growth stocksin two main ways. For starters, it makes growth more expensive to finance. NIO isn’t profitable yet. High-growth companies generate most of their cash flow far in the future. That cash flow is worth a little less, relatively speaking, when investors can earn higher interest rates on their cash today.\nTesla stock is down roughly 10% year to date after rising more than 740% in 2020. Shares are down 0.9% in early Friday trading, at $634.40. The S&P 500is up about 0.7%.","news_type":1,"symbols_score_info":{"TSLA":0.9}},"isVote":1,"tweetType":1,"viewCount":383,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":135449168,"gmtCreate":1622179220854,"gmtModify":1631884836222,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/IPOE\">$Social Capital Hedosophia Holdings Corp. V(IPOE)$</a>Go above please","listText":"<a href=\"https://laohu8.com/S/IPOE\">$Social Capital Hedosophia Holdings Corp. V(IPOE)$</a>Go above please","text":"$Social Capital Hedosophia Holdings Corp. V(IPOE)$Go above please","images":[{"img":"https://static.tigerbbs.com/4826794bdd6200cb1f29ec439773496d","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/135449168","isVote":1,"tweetType":1,"viewCount":405,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":132494605,"gmtCreate":1622105105507,"gmtModify":1631884836237,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/IPOE\">$Social Capital Hedosophia Holdings Corp. V(IPOE)$</a>Go up please merger soon","listText":"<a href=\"https://laohu8.com/S/IPOE\">$Social Capital Hedosophia Holdings Corp. V(IPOE)$</a>Go up please merger soon","text":"$Social Capital Hedosophia Holdings Corp. V(IPOE)$Go up please merger soon","images":[{"img":"https://static.tigerbbs.com/b3c279e7949dabef597329f20d22c1be","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":1,"repostSize":1,"link":"https://laohu8.com/post/132494605","isVote":1,"tweetType":1,"viewCount":953,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":354706807,"gmtCreate":1617199682009,"gmtModify":1634522104918,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/AMD\">$AMD(AMD)$</a>buy more?&nbsp;","listText":"<a href=\"https://laohu8.com/S/AMD\">$AMD(AMD)$</a>buy more?&nbsp;","text":"$AMD(AMD)$buy more?","images":[{"img":"https://static.tigerbbs.com/7a3d2212318b23176220ba57b8955fd0","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/354706807","isVote":1,"tweetType":1,"viewCount":453,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3569133844444307","authorId":"3569133844444307","name":"JokEyBecky","avatar":"https://static.tigerbbs.com/7d5216bd5ba318665e4aa1f56db5581f","crmLevel":1,"crmLevelSwitch":0,"authorIdStr":"3569133844444307","idStr":"3569133844444307"},"content":"no[贱笑]","text":"no[贱笑]","html":"no[贱笑]"}],"imageCount":1,"langContent":"EN","totalScore":0},{"id":153250905,"gmtCreate":1625029066207,"gmtModify":1631891813475,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"Anyone getting in on this?&nbsp;","listText":"Anyone getting in on this?&nbsp;","text":"Anyone getting in on this?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/153250905","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":"<p>Online personal finance company SoFi Technologies&nbsp;has received most attention for two consecutive days on the&nbsp;WallStreetBets forum.</p><p><blockquote>在线个人金融公司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。这就是为什么它在今天是一项伟大的投资。</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（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></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></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></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>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></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></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></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></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，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></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></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对机会说不。显然，这里对合并后的实体有很大的需求。</blockquote></p><p> <b>3. SoFi is thriving</b></p><p><blockquote><b>3.SoFi欣欣向荣</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></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，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></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——考虑到股东所取得的成功，这并不疯狂。</blockquote></p><p> <b>SoFi is a winner</b></p><p><blockquote><b>SoFi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>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></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\">\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>在线个人金融公司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。这就是为什么它在今天是一项伟大的投资。</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（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></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></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></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>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></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></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></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></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，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></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></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对机会说不。显然，这里对合并后的实体有很大的需求。</blockquote></p><p> <b>3. SoFi is thriving</b></p><p><blockquote><b>3.SoFi欣欣向荣</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></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，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></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——考虑到股东所取得的成功，这并不疯狂。</blockquote></p><p> <b>SoFi is a winner</b></p><p><blockquote><b>SoFi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>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></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 $12 million in previously anticipated revenues to recognize from its purchase of Apex clearing.\nImpressively, itsEBITDAmargin turned positive, improving from -48% to 2% year over year. This 2% figure also exceeded the high end of the company's previous guidance; SoFi is thriving, and doing so profitably.\nThe company trades for 18.3 times 2021 sales and 67 times 2021 contribution profit based on its most recent guidance -- not crazy, based on the success shareholders have enjoyed.\nSoFi is a winner\nThere are plenty of examples of low-quality companies that went public via SPAC, butSoFiis not one of them. The company is clicking on all cylinders with no slowdown in sight. I own SoFi and think investors of all kinds should consider taking a position as well.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"tweetType":1,"viewCount":783,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":139062717,"gmtCreate":1621575693439,"gmtModify":1631887022890,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/NOK\">$Nokia Oyj(NOK)$</a>Finally?&nbsp;","listText":"<a href=\"https://laohu8.com/S/NOK\">$Nokia Oyj(NOK)$</a>Finally?&nbsp;","text":"$Nokia Oyj(NOK)$Finally?","images":[{"img":"https://static.tigerbbs.com/3775aefb374a1f9b488c57e7b5ccd40f","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/139062717","isVote":1,"tweetType":1,"viewCount":574,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":188660431,"gmtCreate":1623432976023,"gmtModify":1634033209336,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/AMD\">$AMD(AMD)$</a>Finally some green","listText":"<a href=\"https://laohu8.com/S/AMD\">$AMD(AMD)$</a>Finally some green","text":"$AMD(AMD)$Finally some green","images":[{"img":"https://static.tigerbbs.com/b32a97b5e453fb4c4b62dd98b404de52","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/188660431","isVote":1,"tweetType":1,"viewCount":485,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":113496382,"gmtCreate":1622631499146,"gmtModify":1631887021898,"author":{"id":"3568467070146669","authorId":"3568467070146669","name":"Iamallama","avatar":"https://static.tigerbbs.com/a97453a91d5df8b9104800b8debbe2ad","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568467070146669","idStr":"3568467070146669"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/NOK\">$Nokia Oyj(NOK)$</a>Finally lol","listText":"<a href=\"https://laohu8.com/S/NOK\">$Nokia Oyj(NOK)$</a>Finally lol","text":"$Nokia Oyj(NOK)$Finally lol","images":[{"img":"https://static.tigerbbs.com/6bf80e8a8a15703ec1d741b9f5e5f520","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/113496382","isVote":1,"tweetType":1,"viewCount":688,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0}],"lives":[]}