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SOFI: Much More Than A Meme Stock

TheStreet2021-07-01

Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy. The most discussed stock on ...

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api
·2021-07-05
Totally agree. It will do well in the long term.
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Syin23
·2021-07-03
$SoFi Technologies Inc.(SOFI)$still got big space to growth.. Time will proof. [你懂的]
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- ChawKW:
  👍
  2021-07-03
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Nebhol
·2021-07-02
What is the short interest on SOFI?
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Kevinchai
·2021-07-02
$SOFI is a promising company with high upside potential..
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- lsn_9812:
  Indeed
  2021-07-02
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shanglah
·2021-07-01
Nice
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- neojw1505:
  okok
  2021-07-01
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yani
·2021-07-01
Like and comment
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- thugwin:
  same
  2021-07-01
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Showcase
·2021-07-01
Nice
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- Yappie830:
  Can buY?
  2021-07-01
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Coconutlee88
·2021-07-01
Coins
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But in this case, there may be better fundamentals behind the frenzy.\nThe most discussed stock on ...\n\n<a href=\"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock\">网页链接</a>\n\n</div>\n","source":null,"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: Much More Than A Meme Stock</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: 11px; color: #7E829C; margin: 0;line-height: 11px;}\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: Much More Than A Meme Stock\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-07-01 15:07 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock>TheStreet</a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\nFintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.\nThe most discussed stock on ...\n\n<a href=\"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"SOFI","symbol_name":"SoFi Technologies Inc.","start_time":0,"source_url":"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock","article_id":"1126836216","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=1126836216","pubTimestamp":1625123225,"columns":[],"sourceInfo":null,"weMediaInfo":null,"summary":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. ","collect":0,"end_time":0,"defaultTopTitle":"thestreet.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"translate_title":"Sofi：不仅仅是迷因股票","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"SOFI":0.9},"content_text":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.\nThe most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.\nSince January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. 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At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.\nFintech matures\nAn alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.\nThe big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.\nSoFi shines\nSoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.\nFigure 2: SoFi Members chart.\nIn the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.\nThe icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.\nFigure 3: SoFi adjusted EBITDA.\nWall Street Meme's Take\nApparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.\nAs a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.","kind":"news","is_publish_news":false,"is_publish_highlight":true,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[{"id":154386931,"gmtCreate":1625479848223,"gmtModify":1631889063841,"author":{"id":"3571629990769703","authorId":"3571629990769703","name":"api","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":6,"crmLevelSwitch":0,"wearingBadges":[],"authorIdStr":"3571629990769703","idStr":"3571629990769703"},"htmlText":"Totally agree. It will do well in the long term.&nbsp;","listText":"Totally agree. It will do well in the long term.&nbsp;","text":"Totally agree. It will do well in the long term.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/154386931","repostId":1126836216,"repostType":2,"repost":{"id":"1126836216","kind":"news","pubTimestamp":1625123225,"share":"https://www.laohu8.com/m/news/1126836216?lang=zh_CN&edition=full","pubTime":"2021-07-01 15:07","market":"us","language":"en","title":"SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1126836216","media":"TheStreet","summary":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. ","content":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</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: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nTheStreet2021-07-01 15:07\n\n</h4>\n</header>\n<article>\nFintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock\">TheStreet</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1126836216","content_text":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.\nThe most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.\nSince January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health and Virgin Galactic, both also popular on Reddit forums lately.\nToday, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.\nFigure 1: SOFI ticker sentiment on WallStreetBets forum.\nAbout SoFi\nThe San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.\nThe company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.\nFintech matures\nAn alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.\nThe big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.\nSoFi shines\nSoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.\nFigure 2: SoFi Members chart.\nIn the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.\nThe icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.\nFigure 3: SoFi adjusted EBITDA.\nWall Street Meme's Take\nApparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.\nAs a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":152379360,"gmtCreate":1625273114750,"gmtModify":1631884834878,"author":{"id":"3566638874866921","authorId":"3566638874866921","name":"Syin23","avatar":"https://static.tigerbbs.com/5fe07bbe04f288a17e760d8b275d427f","vip":1,"crmLevel":11,"crmLevelSwitch":0,"wearingBadges":[],"authorIdStr":"3566638874866921","idStr":"3566638874866921"},"htmlText":"<a href=\"https://laohu8.com/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a>still got big space to growth.. Time will proof.&nbsp;[你懂的]&nbsp;","listText":"<a href=\"https://laohu8.com/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a>still got big space to growth.. Time will proof.&nbsp;[你懂的]&nbsp;","text":"$SoFi Technologies Inc.(SOFI)$still got big space to growth.. Time will proof. [你懂的]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/152379360","repostId":1126836216,"repostType":2,"repost":{"id":"1126836216","kind":"news","pubTimestamp":1625123225,"share":"https://www.laohu8.com/m/news/1126836216?lang=zh_CN&edition=full","pubTime":"2021-07-01 15:07","market":"us","language":"en","title":"SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1126836216","media":"TheStreet","summary":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. ","content":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</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: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nTheStreet2021-07-01 15:07\n\n</h4>\n</header>\n<article>\nFintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock\">TheStreet</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1126836216","content_text":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.\nThe most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.\nSince January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health and Virgin Galactic, both also popular on Reddit forums lately.\nToday, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.\nFigure 1: SOFI ticker sentiment on WallStreetBets forum.\nAbout SoFi\nThe San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.\nThe company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.\nFintech matures\nAn alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.\nThe big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.\nSoFi shines\nSoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.\nFigure 2: SoFi Members chart.\nIn the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.\nThe icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.\nFigure 3: SoFi adjusted EBITDA.\nWall Street Meme's Take\nApparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.\nAs a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":5110609,"gmtCreate":1625286918970,"gmtModify":1635238243761,"authorId":3577752520804349,"author":{"id":3577752520804349,"idStr":"3577752520804349","authorId":3577752520804349,"name":"ChawKW","avatar":"https://static.tigerbbs.com/8ade0e4b15b15ce9d93b72d9bb81f36c","vip":1,"crmLevel":11,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[]},"repliedAuthorId":0,"objectId":152379360,"type":1,"supId":0,"prevId":0,"content":"👍","text":"👍","html":"👍"}],"langContent":"CN"},{"id":156317080,"gmtCreate":1625195207741,"gmtModify":1633942653523,"author":{"id":"3567411499210880","authorId":"3567411499210880","name":"Nebhol","avatar":"https://static.tigerbbs.com/b0bfc2a45b91e41a283614268857b3a5","vip":1,"crmLevel":11,"crmLevelSwitch":0,"wearingBadges":[],"authorIdStr":"3567411499210880","idStr":"3567411499210880"},"htmlText":"What is the short interest on SOFI?&nbsp;","listText":"What is the short interest on SOFI?&nbsp;","text":"What is the short interest on SOFI?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/156317080","repostId":1126836216,"repostType":2,"repost":{"id":"1126836216","kind":"news","pubTimestamp":1625123225,"share":"https://www.laohu8.com/m/news/1126836216?lang=zh_CN&edition=full","pubTime":"2021-07-01 15:07","market":"us","language":"en","title":"SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1126836216","media":"TheStreet","summary":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. ","content":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</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: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nTheStreet2021-07-01 15:07\n\n</h4>\n</header>\n<article>\nFintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock\">TheStreet</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1126836216","content_text":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.\nThe most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.\nSince January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health and Virgin Galactic, both also popular on Reddit forums lately.\nToday, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.\nFigure 1: SOFI ticker sentiment on WallStreetBets forum.\nAbout SoFi\nThe San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.\nThe company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.\nFintech matures\nAn alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.\nThe big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.\nSoFi shines\nSoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.\nFigure 2: SoFi Members chart.\nIn the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.\nThe icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.\nFigure 3: SoFi adjusted EBITDA.\nWall Street Meme's Take\nApparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.\nAs a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":158710117,"gmtCreate":1625181754439,"gmtModify":1633942901922,"author":{"id":"3571456023547256","authorId":"3571456023547256","name":"Kevinchai","avatar":"https://static.tigerbbs.com/16746d99581b93215feab649ccd02d8d","vip":1,"crmLevel":12,"crmLevelSwitch":0,"wearingBadges":[],"authorIdStr":"3571456023547256","idStr":"3571456023547256"},"htmlText":"$SOFI is a promising company with high upside potential..","listText":"$SOFI is a promising company with high upside potential..","text":"$SOFI is a promising company with high upside potential..","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/158710117","repostId":1126836216,"repostType":2,"repost":{"id":"1126836216","kind":"news","pubTimestamp":1625123225,"share":"https://www.laohu8.com/m/news/1126836216?lang=zh_CN&edition=full","pubTime":"2021-07-01 15:07","market":"us","language":"en","title":"SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1126836216","media":"TheStreet","summary":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. ","content":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</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: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nTheStreet2021-07-01 15:07\n\n</h4>\n</header>\n<article>\nFintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock\">TheStreet</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1126836216","content_text":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.\nThe most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.\nSince January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health and Virgin Galactic, both also popular on Reddit forums lately.\nToday, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.\nFigure 1: SOFI ticker sentiment on WallStreetBets forum.\nAbout SoFi\nThe San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.\nThe company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.\nFintech matures\nAn alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.\nThe big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.\nSoFi shines\nSoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.\nFigure 2: SoFi Members chart.\nIn the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.\nThe icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.\nFigure 3: SoFi adjusted EBITDA.\nWall Street Meme's Take\nApparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.\nAs a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":5098765,"gmtCreate":1625194236040,"gmtModify":1635239161622,"authorId":3585117333172534,"author":{"id":3585117333172534,"idStr":"3585117333172534","authorId":3585117333172534,"name":"lsn_9812","avatar":"https://static.tigerbbs.com/c7410d59f0fd140fa5ced8f35a7f9749","vip":1,"crmLevel":12,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[]},"repliedAuthorId":0,"objectId":158710117,"type":1,"supId":0,"prevId":0,"content":"Indeed","text":"Indeed","html":"Indeed"}],"langContent":"EN"},{"id":158129889,"gmtCreate":1625138230641,"gmtModify":1631890521045,"author":{"id":"4087548637870070","authorId":"4087548637870070","name":"shanglah","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":11,"crmLevelSwitch":0,"wearingBadges":[],"authorIdStr":"4087548637870070","idStr":"4087548637870070"},"htmlText":"Nice","listText":"Nice","text":"Nice","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/158129889","repostId":1126836216,"repostType":4,"repost":{"id":"1126836216","kind":"news","pubTimestamp":1625123225,"share":"https://www.laohu8.com/m/news/1126836216?lang=zh_CN&edition=full","pubTime":"2021-07-01 15:07","market":"us","language":"en","title":"SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1126836216","media":"TheStreet","summary":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. ","content":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</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: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nTheStreet2021-07-01 15:07\n\n</h4>\n</header>\n<article>\nFintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock\">TheStreet</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1126836216","content_text":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.\nThe most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.\nSince January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health and Virgin Galactic, both also popular on Reddit forums lately.\nToday, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.\nFigure 1: SOFI ticker sentiment on WallStreetBets forum.\nAbout SoFi\nThe San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.\nThe company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.\nFintech matures\nAn alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.\nThe big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.\nSoFi shines\nSoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.\nFigure 2: SoFi Members chart.\nIn the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.\nThe icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.\nFigure 3: SoFi adjusted EBITDA.\nWall Street Meme's Take\nApparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.\nAs a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":5091424,"gmtCreate":1625138267761,"gmtModify":1631890521044,"authorId":3568583676035779,"author":{"id":3568583676035779,"idStr":"3568583676035779","authorId":3568583676035779,"name":"neojw1505","avatar":"https://static.tigerbbs.com/e2e0b4e23e3f6fc53dfbbf43be028e93","vip":1,"crmLevel":11,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[]},"repliedAuthorId":0,"objectId":158129889,"type":1,"supId":0,"prevId":0,"content":"okok","text":"okok","html":"okok"}],"langContent":"EN"},{"id":158921476,"gmtCreate":1625124545495,"gmtModify":1633944533690,"author":{"id":"3580375840418108","authorId":"3580375840418108","name":"yani","avatar":"https://static.tigerbbs.com/1874321b512b0390126a7a442cf8f470","vip":1,"crmLevel":11,"crmLevelSwitch":0,"wearingBadges":[],"authorIdStr":"3580375840418108","idStr":"3580375840418108"},"htmlText":"Like and comment","listText":"Like and comment","text":"Like and comment","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/158921476","repostId":1126836216,"repostType":4,"repost":{"id":"1126836216","kind":"news","pubTimestamp":1625123225,"share":"https://www.laohu8.com/m/news/1126836216?lang=zh_CN&edition=full","pubTime":"2021-07-01 15:07","market":"us","language":"en","title":"SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1126836216","media":"TheStreet","summary":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. ","content":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</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: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nTheStreet2021-07-01 15:07\n\n</h4>\n</header>\n<article>\nFintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock\">TheStreet</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1126836216","content_text":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.\nThe most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.\nSince January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health and Virgin Galactic, both also popular on Reddit forums lately.\nToday, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.\nFigure 1: SOFI ticker sentiment on WallStreetBets forum.\nAbout SoFi\nThe San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.\nThe company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.\nFintech matures\nAn alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.\nThe big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.\nSoFi shines\nSoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.\nFigure 2: SoFi Members chart.\nIn the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.\nThe icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.\nFigure 3: SoFi adjusted EBITDA.\nWall Street Meme's Take\nApparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.\nAs a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":5089796,"gmtCreate":1625125319669,"gmtModify":1635239862059,"authorId":3583208314324792,"author":{"id":3583208314324792,"idStr":"3583208314324792","authorId":3583208314324792,"name":"thugwin","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":11,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[]},"repliedAuthorId":0,"objectId":158921476,"type":1,"supId":0,"prevId":0,"content":"same","text":"same","html":"same"}],"langContent":"EN"},{"id":158966940,"gmtCreate":1625123561680,"gmtModify":1633944540249,"author":{"id":"3578739466550787","authorId":"3578739466550787","name":"Showcase","avatar":"https://static.tigerbbs.com/48864a971d3cf33ae9e4aed6b49688bc","vip":1,"crmLevel":2,"crmLevelSwitch":0,"wearingBadges":[],"authorIdStr":"3578739466550787","idStr":"3578739466550787"},"htmlText":"Nice&nbsp;","listText":"Nice&nbsp;","text":"Nice","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/158966940","repostId":1126836216,"repostType":4,"repost":{"id":"1126836216","kind":"news","pubTimestamp":1625123225,"share":"https://www.laohu8.com/m/news/1126836216?lang=zh_CN&edition=full","pubTime":"2021-07-01 15:07","market":"us","language":"en","title":"SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1126836216","media":"TheStreet","summary":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. ","content":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</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: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nTheStreet2021-07-01 15:07\n\n</h4>\n</header>\n<article>\nFintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock\">TheStreet</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1126836216","content_text":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.\nThe most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.\nSince January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health and Virgin Galactic, both also popular on Reddit forums lately.\nToday, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.\nFigure 1: SOFI ticker sentiment on WallStreetBets forum.\nAbout SoFi\nThe San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.\nThe company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.\nFintech matures\nAn alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.\nThe big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.\nSoFi shines\nSoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.\nFigure 2: SoFi Members chart.\nIn the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.\nThe icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.\nFigure 3: SoFi adjusted EBITDA.\nWall Street Meme's Take\nApparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.\nAs a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":5089903,"gmtCreate":1625126340240,"gmtModify":1635239853372,"authorId":3582890719532983,"author":{"id":3582890719532983,"idStr":"3582890719532983","authorId":3582890719532983,"name":"Yappie830","avatar":"https://static.tigerbbs.com/20b85051cf2f72ca21360c0cd39b3db1","vip":1,"crmLevel":12,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[]},"repliedAuthorId":0,"objectId":158966940,"type":1,"supId":0,"prevId":0,"content":"Can buY?","text":"Can buY?","html":"Can buY?"}],"langContent":"EN"},{"id":158963767,"gmtCreate":1625123367359,"gmtModify":1633944542403,"author":{"id":"3563353171417443","authorId":"3563353171417443","name":"Coconutlee88","avatar":"https://static.tigerbbs.com/e2df1066dc32b92b308e037aa198cc74","vip":1,"crmLevel":12,"crmLevelSwitch":0,"wearingBadges":[],"authorIdStr":"3563353171417443","idStr":"3563353171417443"},"htmlText":"Coins&nbsp;","listText":"Coins&nbsp;","text":"Coins","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/158963767","repostId":1126836216,"repostType":4,"repost":{"id":"1126836216","kind":"news","pubTimestamp":1625123225,"share":"https://www.laohu8.com/m/news/1126836216?lang=zh_CN&edition=full","pubTime":"2021-07-01 15:07","market":"us","language":"en","title":"SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1126836216","media":"TheStreet","summary":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. ","content":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SOFI: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</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: Much More Than A Meme Stock<blockquote>SOFI：不仅仅是一只模因股票</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nTheStreet2021-07-01 15:07\n\n</h4>\n</header>\n<article>\nFintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.<blockquote>最近通过SPAC上市的金融科技公司SoFi成为meme狂热的新目标。但在这种情况下，狂热背后可能有更好的基本面。</blockquote> The most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.<blockquote>6月28日星期一，Reddit上讨论最多的股票是社交金融科技公司SoFi。自周五以来，交易量飙升至日均5000万股，而IPO以来的日均交易量仅为700万股。</blockquote> Since January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health&nbsp;and Virgin Galactic, both also popular on Reddit forums lately.<blockquote>自2021年1月以来，这家金融公司通过SPAC在美国证券交易所上市，并得到了知名亿万富翁Chamath Palihapitiya的支持。这位大亨还支持Clover Health和维珍银河，这两家公司最近在Reddit论坛上也很受欢迎。</blockquote> Today, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.<blockquote>今天，华尔街模因谈论这家公司，其股票可能受益于在线论坛推动的短期势头，但强劲的业务基本面也具有长期潜力。</blockquote> <img src=\"https://static.tigerbbs.com/7438fc652409198a3937a0592a8187b4\" tg-width=\"1137\" tg-height=\"463\">Figure 1: SOFI ticker sentiment on WallStreetBets forum.<blockquote>图1：WallStreetBets论坛上的SOFI股票情绪。</blockquote> About SoFi<blockquote>关于SoFi</blockquote> The San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.<blockquote>这家总部位于旧金山的公司成立于2011年，是一家由四名学生创建的金融科技公司，最初的目标是为学生贷款机构提供更实惠的选择。后来，服务扩展到个人贷款、住房贷款和一般金融服务。除了Apex之外，SoFi还运营B2B Galileo平台，Apex是一个无需经纪费的投资平台。</blockquote> The company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.<blockquote>该公司目前拥有约1400名员工，股权价值150亿美元。它拥有70多万会员和700多万注册用户。2021年第一季度末，该公司通过SPAC上市，并于6月初在联交所首次亮相。</blockquote> Fintech matures<blockquote>金融科技成熟</blockquote> An alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.<blockquote>作为大型银行和传统投资公司的替代方案，金融科技提供实用的服务，几乎没有官僚主义，费用也很低。随着行业的成熟，它迫使大型金融机构重新思考其商业模式。第三方调查显示，到2022年，该行业预计将增长25%。</blockquote> The big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.<blockquote>当今金融科技面临的最大挑战是实现盈利。提供出色的用户体验、低廉的费用和透明的产品带来了大量的活跃用户，但利润却很低。找出如何平衡增长和利润率公式的公司可能会获得好处。</blockquote> SoFi shines<blockquote>索菲闪耀</blockquote> SoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.<blockquote>SoFi似乎运行良好。该公司的会员数量增长令人鼓舞，上季度同比增长110%。此外，金融服务产品总量同比增长121%。在B2B领域，Galileo走在正确的轨道上，过去三个季度的账户同比增长超过100%。</blockquote> <img src=\"https://static.tigerbbs.com/9f5713144ab251712e241fc32ad2b938\" tg-width=\"891\" tg-height=\"497\">Figure 2: SoFi Members chart.<blockquote>图2：SoFi成员图表。</blockquote> In the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.<blockquote>总体而言，收入反映了出色的运营指标，过去12个月收入超过7.5亿美元，上季度同比增长151%。</blockquote> The icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.<blockquote>对于SoFi来说，锦上添花的是利润。该公司已连续三个季度实现正EBITDA，上一期同比增长7000万美元——见下图。这一结果是贷款部门成本节约和收入增加的综合结果。</blockquote> <img src=\"https://static.tigerbbs.com/2cc16c8213992ed5a1991602e22cfe81\" tg-width=\"918\" tg-height=\"495\">Figure 3: SoFi adjusted EBITDA.<blockquote>图3：SoFi调整后EBITDA。</blockquote> Wall Street Meme's Take<blockquote>华尔街模因的看法</blockquote> Apparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.<blockquote>显然，SoFi有能力继续取得良好的业绩，同时它已经找到了盈利之路。该公司取得了强劲的业绩，扩大了服务，并且仍有大量增长机会。</blockquote> As a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.<blockquote>作为模因狂热的潜在目标，该股仅凭动量就可以在短期内为股东创造价值。但更好的是，该公司一直呈现出良好的基本面，从中长期来看也可以导致股价升值。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock\">TheStreet</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://www.thestreet.com/memestocks/other-memes/sofi-much-more-than-a-meme-stock","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1126836216","content_text":"Fintech company SoFi, which recently went public via SPAC, has become the new target of meme mania. But in this case, there may be better fundamentals behind the frenzy.\nThe most discussed stock on Reddit this Monday, June 28, was that of Social Finance Technology, known as SoFi. Traded volume soared to an average of 50 million shares per day since Friday, from a previous daily average of only 7 million since the IPO.\nSince January 2021, the financial company has been listed on the US stock exchange via SPAC, supported by well-known billionaire Chamath Palihapitiya. The mogul has also supported Clover Health and Virgin Galactic, both also popular on Reddit forums lately.\nToday, Wall Street Memes talks about this company whose stock could benefit from short-term momentum driven by online forums – but that also has long-term potential from robust business fundamentals.\nFigure 1: SOFI ticker sentiment on WallStreetBets forum.\nAbout SoFi\nThe San Francisco-based company, founded in 2011, is a fintech created by four students with the initial goal of providing more affordable options for student lenders. Later, services expanded to personal loans, home loans and financial services in general. SoFi operates the B2B Galileo platform in addition to Apex, an investment platform without brokerage fees.\nThe company currently has about 1,400 employees and its equity is valued at $15 billion. It has over 700,000 members and over 7 million registered users. At the end of the first quarter of 2021, the company went public via SPAC and debuted on the stock exchange in early June.\nFintech matures\nAn alternative to large banks and traditional investment companies, fintech offers practical services with little bureaucracy and low fees. As the industry matures, it forces large financial institutions to rethink their business models. Third-party surveys show that the sector is expected to grow 25% by 2022.\nThe big challenge for fintech today is to reach profitability. Providing excellent user experience, low fees and transparent products has resulted in large numbers of active users, but low margins. Companies that figure out how to balance the growth plus margin formula will likely reap the benefits.\nSoFi shines\nSoFi appears to be well run. The company has delivered encouraging growth in members, up 110% YoY in the last quarter. Also, total financial service products increased 121% YoY. In B2B, Galileo is on the right track, posting more than 100% YoY growth in accounts in the last three quarters.\nFigure 2: SoFi Members chart.\nIn the aggregate, revenues reflect the great operating metrics, at over $750 million for the past 12 months and 151% YoY growth recorded in the last quarter.\nThe icing on the cake for SoFi are the profits. The company has posted positive EBITDA for three consecutive quarters, with the last period showing $70 million YoY growth –see chart below. The results came through a combination of cost savings in the Lending segment and increased revenue.\nFigure 3: SoFi adjusted EBITDA.\nWall Street Meme's Take\nApparently, SoFi has what it takes to continue showing good results, while it has already found the path to profitability. The company has delivered strong results, expanded its services, and still has plenty of opportunity to grow.\nAs a potential target of meme mania, the stock could see shareholder value creation in the short term from momentum alone. But better yet, the company has been presenting decent fundamentals that can lead to stock price appreciation also in the medium and long terms.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"}],"hasMoreComments":false,"newsSizeData":{"likeSize":21,"commentSize":8,"repostSize":0,"favoriteSize":2,"likeStatus":false,"favoriteStatus":false},"isCrawlerRequest":true}