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29e8bc52
29e8bc52
·
2022-01-12
👍
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29e8bc52
29e8bc52
·
2021-11-10
[微笑]
LightInTheBox Clocks 7.3% Revenue Growth In Q2, Beats Consensus<blockquote>LightInTheBox第二季度收入增长7.3%,超出市场预期</blockquote>
LightInTheBox Clocks 7.3% Revenue Growth In Q2, Beats Consensus<blockquote>LightInTheBox第二季度收入增长7.3%,超出市场预期</blockquote>
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29e8bc52
29e8bc52
·
2021-10-20
[惊讶]
@rayhky:
$Camber Energy(CEI)$I buy you 3.18 you give me 1.38.
$Camber Energy(CEI)$I buy you 3.18 you give me 1.38.
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29e8bc52
29e8bc52
·
2021-10-06
[惊讶]
Apple Pay Fees Vex Credit-Card Issuers<blockquote>苹果支付费用激怒了信用卡发卡机构</blockquote>
Banks are nudging Visa to change the way it processes some Apple Pay transactions, according to peop
Apple Pay Fees Vex Credit-Card Issuers<blockquote>苹果支付费用激怒了信用卡发卡机构</blockquote>
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29e8bc52
29e8bc52
·
2021-10-06
[惊讶]
Tesla Ordered to Pay More Than $130 Million in Damages to Black Former Worker<blockquote>特斯拉被勒令向黑人前工人支付超过1.3亿美元的赔偿金</blockquote>
The company subjected the employee to a racially hostile work environment, jury finds An attorney fo
Tesla Ordered to Pay More Than $130 Million in Damages to Black Former Worker<blockquote>特斯拉被勒令向黑人前工人支付超过1.3亿美元的赔偿金</blockquote>
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29e8bc52
29e8bc52
·
2021-09-30
[微笑]
非常抱歉,此主贴已删除
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29e8bc52
29e8bc52
·
2021-09-15
Good
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29e8bc52
29e8bc52
·
2021-09-07
Oh.. Interesting.
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29e8bc52
29e8bc52
·
2021-09-07
Yeah
SoFi Technologies: 4 Trades To Get In On Fintech's Growth<blockquote>SoFi Technologies:参与金融科技增长的4项交易</blockquote>
SoFi Technologies has recently issued mixed Q2 metrics, which put pressure on the shares The fintech
SoFi Technologies: 4 Trades To Get In On Fintech's Growth<blockquote>SoFi Technologies:参与金融科技增长的4项交易</blockquote>
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29e8bc52
29e8bc52
·
2021-09-07
Huat
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","listText":"[微笑] ","text":"[微笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/847628373","repostId":"2165427353","repostType":2,"repost":{"id":"2165427353","kind":"highlight","weMediaInfo":{"introduction":"Stock Market Quotes, Business News, Financial News, Trading Ideas, and Stock Research by Professionals","home_visible":0,"media_name":"Benzinga","id":"1052270027","head_image":"https://static.tigerbbs.com/d08bf7808052c0ca9deb4e944cae32aa"},"pubTimestamp":1631011337,"share":"https://www.laohu8.com/m/news/2165427353?lang=zh_CN&edition=full","pubTime":"2021-09-07 18:42","market":"hk","language":"en","title":"LightInTheBox Clocks 7.3% Revenue Growth In Q2, Beats Consensus<blockquote>LightInTheBox第二季度收入增长7.3%,超出市场预期</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=2165427353","media":"Benzinga","summary":"\n","content":"<p><html><body><ul> <li>E-commerce platform <strong>LightInTheBox Holding Co Ltd</strong> (NYSE:LITB) reported second-quarter FY21 revenue growth of 7.3% year-on-year to $122.2 million, beating the analyst consensus of $78.5 million.</li> <li>Revenues generated from product sales were $119.3 million, compared with $107.2 million in Q2 of 2020. Revenues from service and others were $2.9 million, compared with $6.7 million in Q2 of 2020.</li> <li>The gross margin expanded 330 bps to 46.8%.</li> <li>The net income rose 11.6% Y/Y to $9.5 million.</li> <li>Net income per ADS was flat at $0.08.</li> <li>LightInTheBox held $58.2 million in cash and equivalents.</li> <li><strong>Price Action:</strong> LITB shares traded higher by 3.03% at $1.36 in the premarket session on the last check Tuesday.</li> </ul> </body></html></p><p><blockquote><html><body><ul><li>电子商务平台<strong>LightInTheBox控股有限公司</strong>(纽约证券交易所股票代码:LITB)报告称,2021财年第二季度收入同比增长7.3%,达到1.222亿美元,超过分析师预期的7850万美元。</li><li>产品销售收入为1.193亿美元,而2020年第二季度为1.072亿美元。服务和其他收入为290万美元,而2020年第二季度为670万美元。</li><li>毛利率扩大330个基点至46.8%。</li><li>净利润同比增长11.6%至950万美元。</li><li>每股ADS净利润持平于0.08美元。</li><li>LightInTheBox持有5820万美元现金及等价物。</li><li><strong>价格走势:</strong>周二最后一次盘前交易中,LITB股价上涨3.03%,至1.36美元。</li></ul></body></html></blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>LightInTheBox Clocks 7.3% Revenue Growth In Q2, Beats Consensus<blockquote>LightInTheBox第二季度收入增长7.3%,超出市场预期</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\">\nLightInTheBox Clocks 7.3% Revenue Growth In Q2, Beats Consensus<blockquote>LightInTheBox第二季度收入增长7.3%,超出市场预期</blockquote>\n</h2>\n<h4 class=\"meta\">\n<div class=\"head\" \">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/d08bf7808052c0ca9deb4e944cae32aa);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Benzinga </p>\n<p class=\"h-time smaller\">2021-09-07 18:42</p>\n</div>\n</div>\n</h4>\n</header>\n<article>\n<p><html><body><ul> <li>E-commerce platform <strong>LightInTheBox Holding Co Ltd</strong> (NYSE:LITB) reported second-quarter FY21 revenue growth of 7.3% year-on-year to $122.2 million, beating the analyst consensus of $78.5 million.</li> <li>Revenues generated from product sales were $119.3 million, compared with $107.2 million in Q2 of 2020. Revenues from service and others were $2.9 million, compared with $6.7 million in Q2 of 2020.</li> <li>The gross margin expanded 330 bps to 46.8%.</li> <li>The net income rose 11.6% Y/Y to $9.5 million.</li> <li>Net income per ADS was flat at $0.08.</li> <li>LightInTheBox held $58.2 million in cash and equivalents.</li> <li><strong>Price Action:</strong> LITB shares traded higher by 3.03% at $1.36 in the premarket session on the last check Tuesday.</li> </ul> </body></html></p><p><blockquote><html><body><ul><li>电子商务平台<strong>LightInTheBox控股有限公司</strong>(纽约证券交易所股票代码:LITB)报告称,2021财年第二季度收入同比增长7.3%,达到1.222亿美元,超过分析师预期的7850万美元。</li><li>产品销售收入为1.193亿美元,而2020年第二季度为1.072亿美元。服务和其他收入为290万美元,而2020年第二季度为670万美元。</li><li>毛利率扩大330个基点至46.8%。</li><li>净利润同比增长11.6%至950万美元。</li><li>每股ADS净利润持平于0.08美元。</li><li>LightInTheBox持有5820万美元现金及等价物。</li><li><strong>价格走势:</strong>周二最后一次盘前交易中,LITB股价上涨3.03%,至1.36美元。</li></ul></body></html></blockquote></p><p></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"LITB":"兰亭集势"},"source_url":"https://www.benzinga.com/news/earnings/21/09/22821622/lightinthebox-clocks-7-3-revenue-growth-in-q2-beats-consensus","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2165427353","content_text":"E-commerce platform LightInTheBox Holding Co Ltd (NYSE:LITB) reported second-quarter FY21 revenue growth of 7.3% year-on-year to $122.2 million, beating the analyst consensus of $78.5 million.\nRevenues generated from product sales were $119.3 million, compared with $107.2 million in Q2 of 2020. Revenues from service and others were $2.9 million, compared with $6.7 million in Q2 of 2020.\nThe gross margin expanded 330 bps to 46.8%.\nThe net income rose 11.6% Y/Y to $9.5 million.\nNet income per ADS was flat at $0.08.\nLightInTheBox held $58.2 million in cash and equivalents.\nPrice Action: LITB shares traded higher by 3.03% at $1.36 in the premarket session on the last check Tuesday.","news_type":1,"symbols_score_info":{"LITB":1}},"isVote":1,"tweetType":1,"viewCount":3849,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":859816401,"gmtCreate":1634686731020,"gmtModify":1634686731236,"author":{"id":"4087554746740450","authorId":"4087554746740450","name":"29e8bc52","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4087554746740450","idStr":"4087554746740450"},"themes":[],"title":"","htmlText":"[惊讶] ","listText":"[惊讶] ","text":"[惊讶]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/859816401","repostId":"827138009","repostType":1,"repost":{"id":827138009,"gmtCreate":1634431616794,"gmtModify":1634431819749,"author":{"id":"3579667199980202","authorId":"3579667199980202","name":"rayhky","avatar":"https://static.tigerbbs.com/d1f6b9f52c6107c86caad286e97f3943","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3579667199980202","idStr":"3579667199980202"},"themes":[],"title":"","htmlText":"<a href=\"https://laohu8.com/S/CEI\">$Camber Energy(CEI)$</a>I buy you 3.18 you give me 1.38. ","listText":"<a href=\"https://laohu8.com/S/CEI\">$Camber Energy(CEI)$</a>I buy you 3.18 you give me 1.38. ","text":"$Camber Energy(CEI)$I buy you 3.18 you give me 1.38.","images":[{"img":"https://static.tigerbbs.com/4207c5b1171fab092b128c5491504581","width":"1080","height":"1920"}],"top":1,"highlighted":2,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/827138009","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":2498,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":829343540,"gmtCreate":1633476981870,"gmtModify":1633476982076,"author":{"id":"4087554746740450","authorId":"4087554746740450","name":"29e8bc52","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4087554746740450","idStr":"4087554746740450"},"themes":[],"title":"","htmlText":"[惊讶] ","listText":"[惊讶] ","text":"[惊讶]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/829343540","repostId":"1124090793","repostType":4,"repost":{"id":"1124090793","kind":"news","pubTimestamp":1633476226,"share":"https://www.laohu8.com/m/news/1124090793?lang=zh_CN&edition=full","pubTime":"2021-10-06 07:23","market":"us","language":"en","title":"Apple Pay Fees Vex Credit-Card Issuers<blockquote>苹果支付费用激怒了信用卡发卡机构</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1124090793","media":"The Wall Street Journal","summary":"Banks are nudging Visa to change the way it processes some Apple Pay transactions, according to peop","content":"<p>Banks are nudging Visa to change the way it processes some Apple Pay transactions, according to people familiar with the matter</p><p><blockquote>据知情人士透露,银行正在推动Visa改变其处理部分苹果支付交易的方式</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/5b201168cb7830b0f88d3337a07cc5bf\" tg-width=\"1290\" tg-height=\"859\" width=\"100%\" height=\"auto\"><span>Under a plan by Visa, the fees that card issuers pay to Apple when their cardholders use Apple Pay wouldn’t apply on automatic recurring payments such as gym memberships and streaming services.</span></p><p><blockquote><p class=\"t-img-caption\"><span>根据Visa的一项计划,发卡机构在持卡人使用苹果支付时向苹果支付的费用不适用于健身房会员资格和流媒体服务等自动定期付款。</span></p></blockquote></p><p> Banks rushed to work with the Apple Pay mobile wallet when it debuted in 2014. They have some regrets.</p><p><blockquote>2014年苹果支付移动钱包首次亮相时,银行纷纷与之合作。他们有些遗憾。</blockquote></p><p> When Apple Pay launched, the tech giant got big banks including JPMorgan Chase & Co.,Capital One Financial Corp. and Bank of America Corp. to agree to pay fees that would allow their cardholders to pay by iPhone. But some banks have grown unhappy with the costs, especially after Apple Inc. introduced its own new credit card in 2019, according to people familiar with the matter.</p><p><blockquote>当苹果Pay推出时,这家科技巨头让摩根大通(JPMorgan Chase&Co.)、第一资本金融公司(Capital One Financial Corp.)和美银(Bank of America Corp.)等大银行同意支付费用,允许持卡人通过iPhone支付。但据知情人士透露,一些银行对这些成本越来越不满,尤其是在苹果公司于2019年推出自己的新信用卡之后。</blockquote></p><p> Some banks are pushing back, nudging card network Visa Inc. to change the way it processes certain Apple Pay transactions, according to some of the people. The change would trim the fees that banks pay to Apple.</p><p><blockquote>据一些知情人士透露,一些银行正在反击,促使卡网络Visa Inc.改变其处理某些苹果支付交易的方式。这一变化将削减银行向苹果支付的费用。</blockquote></p><p> Visa plans to implement the change next year, according to people familiar with the matter and a document viewed by The Wall Street Journal. Apple executives have told Visa executives they oppose the change, the people said. The two companies are in discussions and it is possible the planned change won’t kick in.</p><p><blockquote>据知情人士和《华尔街日报》看到的一份文件称,Visa计划明年实施这一变化。知情人士称,苹果高管已告诉Visa高管,他们反对这一变化。两家公司正在讨论,计划中的改变可能不会生效。</blockquote></p><p> Currently, banks pay Apple a fee when their cardholders use Apple Pay. Under the planned new process, the fees wouldn’t apply on automatic recurring payments such as gym memberships and streaming services.</p><p><blockquote>目前,当持卡人使用苹果支付时,银行会向苹果支付费用。根据计划中的新流程,这些费用将不适用于健身房会员资格和流媒体服务等自动经常性付款。</blockquote></p><p> The dispute reflects a long-running tension between the giants of tech and finance. Companies such as Apple and Amazon.com Inc. have been expanding in consumer payments for years. The banks have often rushed into deals with them,afraid of being left behind. But the deals don’t always work out:Alphabet Inc.’s Google, for instance, is abandoning plans to pitch bank accounts to users.</p><p><blockquote>这场争端反映了科技和金融巨头之间长期存在的紧张关系。苹果和Amazon.com Inc.等公司多年来一直在扩大消费者支付业务。银行经常急于与他们达成交易,害怕被抛在后面。但这些交易并不总是成功:例如,Alphabet公司旗下的谷歌正在放弃向用户推销银行账户的计划。</blockquote></p><p> Apple said in a statement that “our banking partners are an important part of Apple Pay’s growth.”</p><p><blockquote>苹果在一份声明中表示,“我们的银行合作伙伴是苹果支付增长的重要组成部分。”</blockquote></p><p> “Our bank partners continue to see the benefits of providing Apple Pay and invest in new ways to implement and promote Apple Pay to their customers for secure and private in-store and online purchases,” the company said.</p><p><blockquote>该公司表示:“我们的银行合作伙伴继续看到提供苹果支付的好处,并投资于新方法,向客户实施和推广苹果支付,以实现安全、私密的店内和在线购买。”</blockquote></p><p> Major networks including Visa and Mastercard Inc. are the effective gateways between banks and Apple Pay, because they help banks’ cards get loaded onto the mobile wallet. The change would apply to Visa-branded cards, though other networks could follow suit.</p><p><blockquote>包括Visa和MasterCard Inc.在内的主要网络是银行和苹果支付之间的有效网关,因为它们可以帮助银行卡加载到移动钱包中。这一变化将适用于Visa品牌的卡,但其他网络也可能效仿。</blockquote></p><p> Mobile wallets are smartphone apps on which people can load their debit- or credit-card credentials and use their phone, rather than the tangible card, to make payments. The transactions are charged to the shopper’s card.</p><p><blockquote>移动钱包是智能手机应用程序,人们可以在上面加载借记卡或信用卡凭证,并使用手机而不是有形的卡进行支付。交易从购物者的卡中扣除。</blockquote></p><p> When Apple introduced Apple Pay in 2014, the iPhone had already clobbered music players, cameras and GPS systems. Banks and card networks worried it also would displace card payments.</p><p><blockquote>当苹果在2014年推出苹果支付时,iPhone已经击败了音乐播放器、相机和GPS系统。银行和信用卡网络担心它也会取代信用卡支付。</blockquote></p><p> Banks agreed to pay Apple 0.15% of each purchase made by their credit cardholders. (They pay a separate fee on debit-card transactions.) Those fees account for most of the revenue that Apple makes from its digital wallet, according to people familiar with the matter.</p><p><blockquote>银行同意向苹果支付其信用卡持卡人每次购物的0.15%。(他们为借记卡交易支付单独的费用。)据知情人士透露,这些费用占苹果数字钱包收入的大部分。</blockquote></p><p> The terms had the potential to be uniquely lucrative for Apple. Banks don’t pay fees to Google for its wallet.</p><p><blockquote>这些条款有可能为苹果带来独特的利润。银行不会向谷歌支付钱包费用。</blockquote></p><p> Visa and Mastercard also agreed to give Apple an unusual concession, according to people familiar with the matter: Apple would be able to choose which issuers it would allow onto Apple Pay and which of those issuers’ cards it would accept. Visa and Mastercard generally require that entities that accept their credit cards must accept them all. Apple agreed to not develop a card network to compete against Visa and Mastercard, the people said.</p><p><blockquote>据知情人士透露,Visa和Mastercard还同意给予苹果一项不同寻常的让步:苹果将能够选择允许哪些发卡机构使用苹果支付以及接受哪些发卡机构的卡。Visa和Mastercard通常要求接受其信用卡的实体必须接受所有信用卡。知情人士称,苹果同意不开发与Visa和Mastercard竞争的信用卡网络。</blockquote></p><p> But since then, customers have been slower to adopt Apple Pay than bank and card network executives had expected. And some bank executives were angered when Apple launched its own credit card in 2019 with Goldman Sachs Group Inc.,said people familiar with the matter, since it made Apple more of a direct competitor.</p><p><blockquote>但从那时起,客户采用苹果支付的速度比银行和卡网络高管预期的要慢。知情人士称,当苹果于2019年与高盛集团(Goldman Sachs Group Inc.)推出自己的信用卡时,一些银行高管感到愤怒,因为这让苹果成为了更直接的竞争对手。</blockquote></p><p> Apple said in a statement that it partners closely “with nearly 9,000 banking partners to offer Apple Pay to customers in nearly 60 countries and regions.”</p><p><blockquote>苹果在一份声明中表示,它“与近9,000家银行合作伙伴密切合作,为近60个国家和地区的客户提供苹果支付服务”。</blockquote></p><p> Visa shared its planned technical change with at least some banks in recent months. A document reviewed by the Journal that explained the new process didn’t mention the fees but detailed a change to so-called tokens that Visa issues for mobile-wallet payments.</p><p><blockquote>近几个月来,Visa至少与一些银行分享了其计划中的技术变革。《华尔街日报》审阅的一份解释新流程的文件没有提及费用,但详细介绍了Visa为移动钱包支付发行的所谓代币的变化。</blockquote></p><p></p><p> When consumers load their credit card onto Apple Pay, Visa issues a special token that replaces the card number. That allows the card to work on Apple Pay and also helps keep the card secure in a potential data breach, among other benefits.</p><p><blockquote>当消费者将信用卡加载到苹果支付时,Visa会发行一个特殊的代币来代替卡号。这使得该卡可以在苹果支付上运行,也有助于在潜在的数据泄露中保持该卡的安全,以及其他好处。</blockquote></p><p> Visa plans to start using a different token on recurring automated payments. That effectively means that after a first payment is made on a subscription, Apple won’t get fees on the following transactions.</p><p><blockquote>Visa计划开始在定期自动支付中使用不同的代币。这实际上意味着,在订阅首次付款后,苹果将不会在以下交易中收取费用。</blockquote></p><p> Some big banks previously tried to get their Apple Pay fees lowered around 2017 but didn’t succeed, according to people familiar with the matter.</p><p><blockquote>据知情人士透露,一些大银行此前曾试图在2017年左右降低苹果薪酬,但没有成功。</blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Apple Pay Fees Vex Credit-Card Issuers<blockquote>苹果支付费用激怒了信用卡发卡机构</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\">\nApple Pay Fees Vex Credit-Card Issuers<blockquote>苹果支付费用激怒了信用卡发卡机构</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">The Wall Street Journal</strong><span class=\"h-time small\">2021-10-06 07:23</span>\n</p>\n</h4>\n</header>\n<article>\n<p>Banks are nudging Visa to change the way it processes some Apple Pay transactions, according to people familiar with the matter</p><p><blockquote>据知情人士透露,银行正在推动Visa改变其处理部分苹果支付交易的方式</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/5b201168cb7830b0f88d3337a07cc5bf\" tg-width=\"1290\" tg-height=\"859\" width=\"100%\" height=\"auto\"><span>Under a plan by Visa, the fees that card issuers pay to Apple when their cardholders use Apple Pay wouldn’t apply on automatic recurring payments such as gym memberships and streaming services.</span></p><p><blockquote><p class=\"t-img-caption\"><span>根据Visa的一项计划,发卡机构在持卡人使用苹果支付时向苹果支付的费用不适用于健身房会员资格和流媒体服务等自动定期付款。</span></p></blockquote></p><p> Banks rushed to work with the Apple Pay mobile wallet when it debuted in 2014. They have some regrets.</p><p><blockquote>2014年苹果支付移动钱包首次亮相时,银行纷纷与之合作。他们有些遗憾。</blockquote></p><p> When Apple Pay launched, the tech giant got big banks including JPMorgan Chase & Co.,Capital One Financial Corp. and Bank of America Corp. to agree to pay fees that would allow their cardholders to pay by iPhone. But some banks have grown unhappy with the costs, especially after Apple Inc. introduced its own new credit card in 2019, according to people familiar with the matter.</p><p><blockquote>当苹果Pay推出时,这家科技巨头让摩根大通(JPMorgan Chase&Co.)、第一资本金融公司(Capital One Financial Corp.)和美银(Bank of America Corp.)等大银行同意支付费用,允许持卡人通过iPhone支付。但据知情人士透露,一些银行对这些成本越来越不满,尤其是在苹果公司于2019年推出自己的新信用卡之后。</blockquote></p><p> Some banks are pushing back, nudging card network Visa Inc. to change the way it processes certain Apple Pay transactions, according to some of the people. The change would trim the fees that banks pay to Apple.</p><p><blockquote>据一些知情人士透露,一些银行正在反击,促使卡网络Visa Inc.改变其处理某些苹果支付交易的方式。这一变化将削减银行向苹果支付的费用。</blockquote></p><p> Visa plans to implement the change next year, according to people familiar with the matter and a document viewed by The Wall Street Journal. Apple executives have told Visa executives they oppose the change, the people said. The two companies are in discussions and it is possible the planned change won’t kick in.</p><p><blockquote>据知情人士和《华尔街日报》看到的一份文件称,Visa计划明年实施这一变化。知情人士称,苹果高管已告诉Visa高管,他们反对这一变化。两家公司正在讨论,计划中的改变可能不会生效。</blockquote></p><p> Currently, banks pay Apple a fee when their cardholders use Apple Pay. Under the planned new process, the fees wouldn’t apply on automatic recurring payments such as gym memberships and streaming services.</p><p><blockquote>目前,当持卡人使用苹果支付时,银行会向苹果支付费用。根据计划中的新流程,这些费用将不适用于健身房会员资格和流媒体服务等自动经常性付款。</blockquote></p><p> The dispute reflects a long-running tension between the giants of tech and finance. Companies such as Apple and Amazon.com Inc. have been expanding in consumer payments for years. The banks have often rushed into deals with them,afraid of being left behind. But the deals don’t always work out:Alphabet Inc.’s Google, for instance, is abandoning plans to pitch bank accounts to users.</p><p><blockquote>这场争端反映了科技和金融巨头之间长期存在的紧张关系。苹果和Amazon.com Inc.等公司多年来一直在扩大消费者支付业务。银行经常急于与他们达成交易,害怕被抛在后面。但这些交易并不总是成功:例如,Alphabet公司旗下的谷歌正在放弃向用户推销银行账户的计划。</blockquote></p><p> Apple said in a statement that “our banking partners are an important part of Apple Pay’s growth.”</p><p><blockquote>苹果在一份声明中表示,“我们的银行合作伙伴是苹果支付增长的重要组成部分。”</blockquote></p><p> “Our bank partners continue to see the benefits of providing Apple Pay and invest in new ways to implement and promote Apple Pay to their customers for secure and private in-store and online purchases,” the company said.</p><p><blockquote>该公司表示:“我们的银行合作伙伴继续看到提供苹果支付的好处,并投资于新方法,向客户实施和推广苹果支付,以实现安全、私密的店内和在线购买。”</blockquote></p><p> Major networks including Visa and Mastercard Inc. are the effective gateways between banks and Apple Pay, because they help banks’ cards get loaded onto the mobile wallet. The change would apply to Visa-branded cards, though other networks could follow suit.</p><p><blockquote>包括Visa和MasterCard Inc.在内的主要网络是银行和苹果支付之间的有效网关,因为它们可以帮助银行卡加载到移动钱包中。这一变化将适用于Visa品牌的卡,但其他网络也可能效仿。</blockquote></p><p> Mobile wallets are smartphone apps on which people can load their debit- or credit-card credentials and use their phone, rather than the tangible card, to make payments. The transactions are charged to the shopper’s card.</p><p><blockquote>移动钱包是智能手机应用程序,人们可以在上面加载借记卡或信用卡凭证,并使用手机而不是有形的卡进行支付。交易从购物者的卡中扣除。</blockquote></p><p> When Apple introduced Apple Pay in 2014, the iPhone had already clobbered music players, cameras and GPS systems. Banks and card networks worried it also would displace card payments.</p><p><blockquote>当苹果在2014年推出苹果支付时,iPhone已经击败了音乐播放器、相机和GPS系统。银行和信用卡网络担心它也会取代信用卡支付。</blockquote></p><p> Banks agreed to pay Apple 0.15% of each purchase made by their credit cardholders. (They pay a separate fee on debit-card transactions.) Those fees account for most of the revenue that Apple makes from its digital wallet, according to people familiar with the matter.</p><p><blockquote>银行同意向苹果支付其信用卡持卡人每次购物的0.15%。(他们为借记卡交易支付单独的费用。)据知情人士透露,这些费用占苹果数字钱包收入的大部分。</blockquote></p><p> The terms had the potential to be uniquely lucrative for Apple. Banks don’t pay fees to Google for its wallet.</p><p><blockquote>这些条款有可能为苹果带来独特的利润。银行不会向谷歌支付钱包费用。</blockquote></p><p> Visa and Mastercard also agreed to give Apple an unusual concession, according to people familiar with the matter: Apple would be able to choose which issuers it would allow onto Apple Pay and which of those issuers’ cards it would accept. Visa and Mastercard generally require that entities that accept their credit cards must accept them all. Apple agreed to not develop a card network to compete against Visa and Mastercard, the people said.</p><p><blockquote>据知情人士透露,Visa和Mastercard还同意给予苹果一项不同寻常的让步:苹果将能够选择允许哪些发卡机构使用苹果支付以及接受哪些发卡机构的卡。Visa和Mastercard通常要求接受其信用卡的实体必须接受所有信用卡。知情人士称,苹果同意不开发与Visa和Mastercard竞争的信用卡网络。</blockquote></p><p> But since then, customers have been slower to adopt Apple Pay than bank and card network executives had expected. And some bank executives were angered when Apple launched its own credit card in 2019 with Goldman Sachs Group Inc.,said people familiar with the matter, since it made Apple more of a direct competitor.</p><p><blockquote>但从那时起,客户采用苹果支付的速度比银行和卡网络高管预期的要慢。知情人士称,当苹果于2019年与高盛集团(Goldman Sachs Group Inc.)推出自己的信用卡时,一些银行高管感到愤怒,因为这让苹果成为了更直接的竞争对手。</blockquote></p><p> Apple said in a statement that it partners closely “with nearly 9,000 banking partners to offer Apple Pay to customers in nearly 60 countries and regions.”</p><p><blockquote>苹果在一份声明中表示,它“与近9,000家银行合作伙伴密切合作,为近60个国家和地区的客户提供苹果支付服务”。</blockquote></p><p> Visa shared its planned technical change with at least some banks in recent months. A document reviewed by the Journal that explained the new process didn’t mention the fees but detailed a change to so-called tokens that Visa issues for mobile-wallet payments.</p><p><blockquote>近几个月来,Visa至少与一些银行分享了其计划中的技术变革。《华尔街日报》审阅的一份解释新流程的文件没有提及费用,但详细介绍了Visa为移动钱包支付发行的所谓代币的变化。</blockquote></p><p></p><p> When consumers load their credit card onto Apple Pay, Visa issues a special token that replaces the card number. That allows the card to work on Apple Pay and also helps keep the card secure in a potential data breach, among other benefits.</p><p><blockquote>当消费者将信用卡加载到苹果支付时,Visa会发行一个特殊的代币来代替卡号。这使得该卡可以在苹果支付上运行,也有助于在潜在的数据泄露中保持该卡的安全,以及其他好处。</blockquote></p><p> Visa plans to start using a different token on recurring automated payments. That effectively means that after a first payment is made on a subscription, Apple won’t get fees on the following transactions.</p><p><blockquote>Visa计划开始在定期自动支付中使用不同的代币。这实际上意味着,在订阅首次付款后,苹果将不会在以下交易中收取费用。</blockquote></p><p> Some big banks previously tried to get their Apple Pay fees lowered around 2017 but didn’t succeed, according to people familiar with the matter.</p><p><blockquote>据知情人士透露,一些大银行此前曾试图在2017年左右降低苹果薪酬,但没有成功。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源:<a href=\"https://www.wsj.com/articles/apple-pay-fees-vex-credit-card-issuers-11633449317?mod=hp_lead_pos3\">The Wall Street Journal</a></p>\n<p>为提升您的阅读体验,我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AAPL":"苹果","JPM":"摩根大通","COF":"第一资本","BAC":"美国银行","MA":"万事达","V":"Visa"},"source_url":"https://www.wsj.com/articles/apple-pay-fees-vex-credit-card-issuers-11633449317?mod=hp_lead_pos3","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1124090793","content_text":"Banks are nudging Visa to change the way it processes some Apple Pay transactions, according to people familiar with the matter\nUnder a plan by Visa, the fees that card issuers pay to Apple when their cardholders use Apple Pay wouldn’t apply on automatic recurring payments such as gym memberships and streaming services.\nBanks rushed to work with the Apple Pay mobile wallet when it debuted in 2014. They have some regrets.\nWhen Apple Pay launched, the tech giant got big banks including JPMorgan Chase & Co.,Capital One Financial Corp. and Bank of America Corp. to agree to pay fees that would allow their cardholders to pay by iPhone. But some banks have grown unhappy with the costs, especially after Apple Inc. introduced its own new credit card in 2019, according to people familiar with the matter.\nSome banks are pushing back, nudging card network Visa Inc. to change the way it processes certain Apple Pay transactions, according to some of the people. The change would trim the fees that banks pay to Apple.\nVisa plans to implement the change next year, according to people familiar with the matter and a document viewed by The Wall Street Journal. Apple executives have told Visa executives they oppose the change, the people said. The two companies are in discussions and it is possible the planned change won’t kick in.\nCurrently, banks pay Apple a fee when their cardholders use Apple Pay. Under the planned new process, the fees wouldn’t apply on automatic recurring payments such as gym memberships and streaming services.\nThe dispute reflects a long-running tension between the giants of tech and finance. Companies such as Apple and Amazon.com Inc. have been expanding in consumer payments for years. The banks have often rushed into deals with them,afraid of being left behind. But the deals don’t always work out:Alphabet Inc.’s Google, for instance, is abandoning plans to pitch bank accounts to users.\nApple said in a statement that “our banking partners are an important part of Apple Pay’s growth.”\n“Our bank partners continue to see the benefits of providing Apple Pay and invest in new ways to implement and promote Apple Pay to their customers for secure and private in-store and online purchases,” the company said.\nMajor networks including Visa and Mastercard Inc. are the effective gateways between banks and Apple Pay, because they help banks’ cards get loaded onto the mobile wallet. The change would apply to Visa-branded cards, though other networks could follow suit.\nMobile wallets are smartphone apps on which people can load their debit- or credit-card credentials and use their phone, rather than the tangible card, to make payments. The transactions are charged to the shopper’s card.\nWhen Apple introduced Apple Pay in 2014, the iPhone had already clobbered music players, cameras and GPS systems. Banks and card networks worried it also would displace card payments.\nBanks agreed to pay Apple 0.15% of each purchase made by their credit cardholders. (They pay a separate fee on debit-card transactions.) Those fees account for most of the revenue that Apple makes from its digital wallet, according to people familiar with the matter.\nThe terms had the potential to be uniquely lucrative for Apple. Banks don’t pay fees to Google for its wallet.\nVisa and Mastercard also agreed to give Apple an unusual concession, according to people familiar with the matter: Apple would be able to choose which issuers it would allow onto Apple Pay and which of those issuers’ cards it would accept. Visa and Mastercard generally require that entities that accept their credit cards must accept them all. Apple agreed to not develop a card network to compete against Visa and Mastercard, the people said.\nBut since then, customers have been slower to adopt Apple Pay than bank and card network executives had expected. And some bank executives were angered when Apple launched its own credit card in 2019 with Goldman Sachs Group Inc.,said people familiar with the matter, since it made Apple more of a direct competitor.\nApple said in a statement that it partners closely “with nearly 9,000 banking partners to offer Apple Pay to customers in nearly 60 countries and regions.”\nVisa shared its planned technical change with at least some banks in recent months. A document reviewed by the Journal that explained the new process didn’t mention the fees but detailed a change to so-called tokens that Visa issues for mobile-wallet payments.\nWhen consumers load their credit card onto Apple Pay, Visa issues a special token that replaces the card number. That allows the card to work on Apple Pay and also helps keep the card secure in a potential data breach, among other benefits.\nVisa plans to start using a different token on recurring automated payments. That effectively means that after a first payment is made on a subscription, Apple won’t get fees on the following transactions.\nSome big banks previously tried to get their Apple Pay fees lowered around 2017 but didn’t succeed, according to people familiar with the matter.","news_type":1,"symbols_score_info":{"V":0.9,"JPM":0.9,"MA":0.9,"COF":0.9,"AAPL":0.9,"BAC":0.9}},"isVote":1,"tweetType":1,"viewCount":2820,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":829343118,"gmtCreate":1633476964270,"gmtModify":1633476964498,"author":{"id":"4087554746740450","authorId":"4087554746740450","name":"29e8bc52","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4087554746740450","idStr":"4087554746740450"},"themes":[],"title":"","htmlText":"[惊讶] ","listText":"[惊讶] ","text":"[惊讶]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/829343118","repostId":"1188156858","repostType":4,"repost":{"id":"1188156858","kind":"news","pubTimestamp":1633476493,"share":"https://www.laohu8.com/m/news/1188156858?lang=zh_CN&edition=full","pubTime":"2021-10-06 07:28","market":"us","language":"en","title":"Tesla Ordered to Pay More Than $130 Million in Damages to Black Former Worker<blockquote>特斯拉被勒令向黑人前工人支付超过1.3亿美元的赔偿金</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1188156858","media":"The Wall Street Journal","summary":"The company subjected the employee to a racially hostile work environment, jury finds\nAn attorney fo","content":"<p>The company subjected the employee to a racially hostile work environment, jury finds</p><p><blockquote>陪审团发现该公司使该员工处于种族敌对的工作环境中</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/5039e7be8e1e22951d330e7096ef825b\" tg-width=\"1290\" tg-height=\"859\" width=\"100%\" height=\"auto\"><span>An attorney for Tesla declined to comment on the verdict.</span></p><p><blockquote><p class=\"t-img-caption\"><span>特斯拉的律师拒绝对判决发表评论。</span></p></blockquote></p><p> SAN FRANCISCO—Tesla Inc. subjected a Black former worker to a racially hostile work environment and failed to take reasonable steps to prevent him from being racially harassed, a federal jury found Monday. </p><p><blockquote>联邦陪审团周一发现,特斯拉公司让一名黑人前工人处于种族敌对的工作环境中,并且未能采取合理措施防止他受到种族骚扰。</blockquote></p><p> The eight-person jury awarded more than $130 million in damages to Owen Diaz, who worked as an elevator operator at Tesla’s Fremont, Calif., factory in 2015 and 2016.</p><p><blockquote>八人陪审团判给欧文·迪亚兹超过1.3亿美元的赔偿金,欧文·迪亚兹于2015年和2016年在特斯拉加州弗里蒙特工厂担任电梯操作员。</blockquote></p><p> He was regularly called racial epithets at work, where he saw racist images and language written in the bathroom and elsewhere, said Bernard Alexander, one of his attorneys, during the trial. The factory, located in the San Francisco Bay Area, was Tesla’s lone auto assembly plant at the time, employing roughly 10,000 people.</p><p><blockquote>他的律师之一伯纳德·亚历山大(Bernard Alexander)在审判期间说,他在工作中经常被称为种族主义绰号,他在浴室和其他地方看到种族主义图像和语言。该工厂位于三藩市湾区,是特斯拉当时唯一的汽车装配厂,雇佣了大约10,000名员工。</blockquote></p><p> Mr. Diaz, 53, held his head in his hands after the jury’s verdict was read. He called the decision a weight off his shoulders. The trial lasted just over a week.</p><p><blockquote>陪审团宣读裁决后,53岁的迪亚兹双手抱头。他称这个决定是他肩上的重担。审判持续了一个多星期。</blockquote></p><p> “It shines a light on what’s going on inside of Tesla’s factory,” he said. “Elon Musk, you’ve been put on notice. Clean that factory up.”</p><p><blockquote>“它揭示了特斯拉工厂内部正在发生的事情,”他说。“埃隆·马斯克,你已经被警告了。清理那个工厂。”</blockquote></p><p> Tracey Kennedy, an attorney for Tesla, said in her closing argument that there was no evidence that a Tesla employee harassed Mr. Diaz and that the company shouldn’t be held liable for the treatment Mr. Diaz alleged. Many workers at Tesla’s factory are contractors employed through staffing agencies.</p><p><blockquote>特斯拉的律师Tracey Kennedy在结案陈词中表示,没有证据表明特斯拉员工骚扰了迪亚兹,该公司不应对迪亚兹声称的待遇承担责任。特斯拉工厂的许多工人都是通过职业介绍所雇佣的承包商。</blockquote></p><p> Tesla’s vice president of people, Valerie Capers Workman, said in an email to employees Monday that when Mr. Diaz complained about harassment, the company ensured its staffing agencies took action.</p><p><blockquote>特斯拉人力资源副总裁Valerie Capers Workman周一在给员工的电子邮件中表示,当迪亚兹抱怨骚扰时,公司确保其人事机构采取行动。</blockquote></p><p> “While we strongly believe that these facts don’t justify the verdict reached by the jury in San Francisco, we do recognize that in 2015 and 2016 we were not perfect,” she said in the note, which was republished on Tesla’s blog.</p><p><blockquote>“虽然我们坚信这些事实并不能证明三藩市陪审团做出的裁决是合理的,但我们确实认识到,在2015年和2016年,我们并不完美,”她在特斯拉博客上重新发布的说明中说道。</blockquote></p><p> Tesla Chief Executive Elon Musk didn’t immediately respond to a request for comment on the verdict or any plans to appeal.</p><p><blockquote>特斯拉首席执行官Elon Musk没有立即回应就判决发表评论的请求,也没有回应任何上诉计划。</blockquote></p><p> The trial centered on three claims: that Tesla subjected Mr. Diaz to a racially hostile work environment; that the company failed to prevent him from being racially harassed; and that it was negligent in its supervision or retention of an employee, causing harm to Mr. Diaz.</p><p><blockquote>审判集中在三项指控上:特斯拉让迪亚兹先生处于种族敌对的工作环境中;公司未能阻止他受到种族骚扰;该公司在监督或留住员工方面存在疏忽,对迪亚兹先生造成了伤害。</blockquote></p><p> Tesla denied in a court filing that it was aware of the alleged discriminatory and harassing behavior and didn’t take action to protect Black employees. Ms. Kennedy urged the jury to find in Tesla’s favor on each of the claims.</p><p><blockquote>特斯拉在一份法庭文件中否认知道所谓的歧视和骚扰行为,并且没有采取行动保护黑人员工。Kennedy女士敦促陪审团在每一项指控上都做出有利于特斯拉的裁决。</blockquote></p><p> The jury, after roughly four hours of deliberation, found in favor of Mr. Diaz on all claims and ordered Tesla to pay Mr. Diaz $6.9 million in compensatory damages and $130 million in punitive damages.</p><p><blockquote>经过大约四个小时的审议,陪审团裁定迪亚兹的所有索赔都胜诉,并命令特斯拉向迪亚兹支付690万美元的补偿性赔偿金和1.3亿美元的惩罚性赔偿金。</blockquote></p><p> It is the second time in recent months that the electric-vehicle maker has been found liable in a case involving claims of race-based harassment or discrimination.</p><p><blockquote>这是近几个月来这家电动汽车制造商第二次在涉及种族骚扰或歧视指控的案件中被认定负有责任。</blockquote></p><p> Another Black former Tesla worker, Melvin Berry, won a $1 million judgment in May after an arbitrator found that he was called racial slurs by his supervisors and subjected to other racial conduct in the Fremont factory. Tesla was obligated to investigate and stop the racial discrimination and failed to do so, the arbitrator said in her order.</p><p><blockquote>另一名黑人前特斯拉工人Melvin Berry在5月份赢得了100万美元的判决,此前一名仲裁员发现他被主管称为种族诽谤,并在Fremont工厂遭受了其他种族行为。仲裁员在命令中表示,特斯拉有义务调查并制止种族歧视,但却没有这样做。</blockquote></p><p> Tesla said that any actions the company took weren’t racially based, according to the order.</p><p><blockquote>根据命令,特斯拉表示,该公司采取的任何行动都不是基于种族。</blockquote></p><p> Mr. Diaz, who was employed by a staffing agency, didn’t sign an arbitration agreement, allowing his case to proceed to trial. His attorneys said they believed this to be the first case involving alleged harassment or discrimination at Tesla to reach trial.</p><p><blockquote>迪亚兹受雇于一家职业介绍所,他没有签署仲裁协议,允许他的案件进行审判。他的律师表示,他们认为这是第一起涉及特斯拉涉嫌骚扰或歧视的案件。</blockquote></p><p> Tesla is facing similar claims in California state court, where former Tesla assembly worker Marcus Vaughn sued, alleging that Tesla created an intimidating, hostile and offensive work environment for Black workers. He and other plaintiffs are seeking class certification.</p><p><blockquote>特斯拉在加州法院也面临类似的索赔,前特斯拉议会工人Marcus Vaughn提起诉讼,指控特斯拉为黑人工人创造了一个恐吓、敌对和攻击性的工作环境。他和其他原告正在寻求集体认证。</blockquote></p><p> Tesla has denied the claims, court records show.In a blog post after Mr. Vaughn filed his lawsuit in 2017, Tesla said, “it is not humanly possible to stop all bad conduct, but we will do our best to make it as close to zero as possible.”</p><p><blockquote>法庭记录显示,特斯拉否认了这些指控。在沃恩先生2017年提起诉讼后的一篇博客文章中,特斯拉表示:“人类不可能阻止所有不良行为,但我们会尽最大努力使其尽可能接近于零。”</blockquote></p><p> An investor proposal up for consideration at Tesla’s annual shareholder meeting Thursday calls on the board to oversee preparation of a report about how the company’s use of mandatory arbitration affects employees and corporate culture. Tesla’s board has urged investors to vote against the proposal. A similar measure failed last year.</p><p><blockquote>一项投资者提案将在特斯拉周四举行的年度股东大会上审议,该提案将由董事会评级监督一份关于公司使用强制仲裁如何影响员工和企业文化的报告的准备工作。特斯拉董事会敦促投资者投票反对该提案。去年一项类似的措施失败了。</blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Tesla Ordered to Pay More Than $130 Million in Damages to Black Former Worker<blockquote>特斯拉被勒令向黑人前工人支付超过1.3亿美元的赔偿金</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nTesla Ordered to Pay More Than $130 Million in Damages to Black Former Worker<blockquote>特斯拉被勒令向黑人前工人支付超过1.3亿美元的赔偿金</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">The Wall Street Journal</strong><span class=\"h-time small\">2021-10-06 07:28</span>\n</p>\n</h4>\n</header>\n<article>\n<p>The company subjected the employee to a racially hostile work environment, jury finds</p><p><blockquote>陪审团发现该公司使该员工处于种族敌对的工作环境中</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/5039e7be8e1e22951d330e7096ef825b\" tg-width=\"1290\" tg-height=\"859\" width=\"100%\" height=\"auto\"><span>An attorney for Tesla declined to comment on the verdict.</span></p><p><blockquote><p class=\"t-img-caption\"><span>特斯拉的律师拒绝对判决发表评论。</span></p></blockquote></p><p> SAN FRANCISCO—Tesla Inc. subjected a Black former worker to a racially hostile work environment and failed to take reasonable steps to prevent him from being racially harassed, a federal jury found Monday. </p><p><blockquote>联邦陪审团周一发现,特斯拉公司让一名黑人前工人处于种族敌对的工作环境中,并且未能采取合理措施防止他受到种族骚扰。</blockquote></p><p> The eight-person jury awarded more than $130 million in damages to Owen Diaz, who worked as an elevator operator at Tesla’s Fremont, Calif., factory in 2015 and 2016.</p><p><blockquote>八人陪审团判给欧文·迪亚兹超过1.3亿美元的赔偿金,欧文·迪亚兹于2015年和2016年在特斯拉加州弗里蒙特工厂担任电梯操作员。</blockquote></p><p> He was regularly called racial epithets at work, where he saw racist images and language written in the bathroom and elsewhere, said Bernard Alexander, one of his attorneys, during the trial. The factory, located in the San Francisco Bay Area, was Tesla’s lone auto assembly plant at the time, employing roughly 10,000 people.</p><p><blockquote>他的律师之一伯纳德·亚历山大(Bernard Alexander)在审判期间说,他在工作中经常被称为种族主义绰号,他在浴室和其他地方看到种族主义图像和语言。该工厂位于三藩市湾区,是特斯拉当时唯一的汽车装配厂,雇佣了大约10,000名员工。</blockquote></p><p> Mr. Diaz, 53, held his head in his hands after the jury’s verdict was read. He called the decision a weight off his shoulders. The trial lasted just over a week.</p><p><blockquote>陪审团宣读裁决后,53岁的迪亚兹双手抱头。他称这个决定是他肩上的重担。审判持续了一个多星期。</blockquote></p><p> “It shines a light on what’s going on inside of Tesla’s factory,” he said. “Elon Musk, you’ve been put on notice. Clean that factory up.”</p><p><blockquote>“它揭示了特斯拉工厂内部正在发生的事情,”他说。“埃隆·马斯克,你已经被警告了。清理那个工厂。”</blockquote></p><p> Tracey Kennedy, an attorney for Tesla, said in her closing argument that there was no evidence that a Tesla employee harassed Mr. Diaz and that the company shouldn’t be held liable for the treatment Mr. Diaz alleged. Many workers at Tesla’s factory are contractors employed through staffing agencies.</p><p><blockquote>特斯拉的律师Tracey Kennedy在结案陈词中表示,没有证据表明特斯拉员工骚扰了迪亚兹,该公司不应对迪亚兹声称的待遇承担责任。特斯拉工厂的许多工人都是通过职业介绍所雇佣的承包商。</blockquote></p><p> Tesla’s vice president of people, Valerie Capers Workman, said in an email to employees Monday that when Mr. Diaz complained about harassment, the company ensured its staffing agencies took action.</p><p><blockquote>特斯拉人力资源副总裁Valerie Capers Workman周一在给员工的电子邮件中表示,当迪亚兹抱怨骚扰时,公司确保其人事机构采取行动。</blockquote></p><p> “While we strongly believe that these facts don’t justify the verdict reached by the jury in San Francisco, we do recognize that in 2015 and 2016 we were not perfect,” she said in the note, which was republished on Tesla’s blog.</p><p><blockquote>“虽然我们坚信这些事实并不能证明三藩市陪审团做出的裁决是合理的,但我们确实认识到,在2015年和2016年,我们并不完美,”她在特斯拉博客上重新发布的说明中说道。</blockquote></p><p> Tesla Chief Executive Elon Musk didn’t immediately respond to a request for comment on the verdict or any plans to appeal.</p><p><blockquote>特斯拉首席执行官Elon Musk没有立即回应就判决发表评论的请求,也没有回应任何上诉计划。</blockquote></p><p> The trial centered on three claims: that Tesla subjected Mr. Diaz to a racially hostile work environment; that the company failed to prevent him from being racially harassed; and that it was negligent in its supervision or retention of an employee, causing harm to Mr. Diaz.</p><p><blockquote>审判集中在三项指控上:特斯拉让迪亚兹先生处于种族敌对的工作环境中;公司未能阻止他受到种族骚扰;该公司在监督或留住员工方面存在疏忽,对迪亚兹先生造成了伤害。</blockquote></p><p> Tesla denied in a court filing that it was aware of the alleged discriminatory and harassing behavior and didn’t take action to protect Black employees. Ms. Kennedy urged the jury to find in Tesla’s favor on each of the claims.</p><p><blockquote>特斯拉在一份法庭文件中否认知道所谓的歧视和骚扰行为,并且没有采取行动保护黑人员工。Kennedy女士敦促陪审团在每一项指控上都做出有利于特斯拉的裁决。</blockquote></p><p> The jury, after roughly four hours of deliberation, found in favor of Mr. Diaz on all claims and ordered Tesla to pay Mr. Diaz $6.9 million in compensatory damages and $130 million in punitive damages.</p><p><blockquote>经过大约四个小时的审议,陪审团裁定迪亚兹的所有索赔都胜诉,并命令特斯拉向迪亚兹支付690万美元的补偿性赔偿金和1.3亿美元的惩罚性赔偿金。</blockquote></p><p> It is the second time in recent months that the electric-vehicle maker has been found liable in a case involving claims of race-based harassment or discrimination.</p><p><blockquote>这是近几个月来这家电动汽车制造商第二次在涉及种族骚扰或歧视指控的案件中被认定负有责任。</blockquote></p><p> Another Black former Tesla worker, Melvin Berry, won a $1 million judgment in May after an arbitrator found that he was called racial slurs by his supervisors and subjected to other racial conduct in the Fremont factory. Tesla was obligated to investigate and stop the racial discrimination and failed to do so, the arbitrator said in her order.</p><p><blockquote>另一名黑人前特斯拉工人Melvin Berry在5月份赢得了100万美元的判决,此前一名仲裁员发现他被主管称为种族诽谤,并在Fremont工厂遭受了其他种族行为。仲裁员在命令中表示,特斯拉有义务调查并制止种族歧视,但却没有这样做。</blockquote></p><p> Tesla said that any actions the company took weren’t racially based, according to the order.</p><p><blockquote>根据命令,特斯拉表示,该公司采取的任何行动都不是基于种族。</blockquote></p><p> Mr. Diaz, who was employed by a staffing agency, didn’t sign an arbitration agreement, allowing his case to proceed to trial. His attorneys said they believed this to be the first case involving alleged harassment or discrimination at Tesla to reach trial.</p><p><blockquote>迪亚兹受雇于一家职业介绍所,他没有签署仲裁协议,允许他的案件进行审判。他的律师表示,他们认为这是第一起涉及特斯拉涉嫌骚扰或歧视的案件。</blockquote></p><p> Tesla is facing similar claims in California state court, where former Tesla assembly worker Marcus Vaughn sued, alleging that Tesla created an intimidating, hostile and offensive work environment for Black workers. He and other plaintiffs are seeking class certification.</p><p><blockquote>特斯拉在加州法院也面临类似的索赔,前特斯拉议会工人Marcus Vaughn提起诉讼,指控特斯拉为黑人工人创造了一个恐吓、敌对和攻击性的工作环境。他和其他原告正在寻求集体认证。</blockquote></p><p> Tesla has denied the claims, court records show.In a blog post after Mr. Vaughn filed his lawsuit in 2017, Tesla said, “it is not humanly possible to stop all bad conduct, but we will do our best to make it as close to zero as possible.”</p><p><blockquote>法庭记录显示,特斯拉否认了这些指控。在沃恩先生2017年提起诉讼后的一篇博客文章中,特斯拉表示:“人类不可能阻止所有不良行为,但我们会尽最大努力使其尽可能接近于零。”</blockquote></p><p> An investor proposal up for consideration at Tesla’s annual shareholder meeting Thursday calls on the board to oversee preparation of a report about how the company’s use of mandatory arbitration affects employees and corporate culture. Tesla’s board has urged investors to vote against the proposal. A similar measure failed last year.</p><p><blockquote>一项投资者提案将在特斯拉周四举行的年度股东大会上审议,该提案将由董事会评级监督一份关于公司使用强制仲裁如何影响员工和企业文化的报告的准备工作。特斯拉董事会敦促投资者投票反对该提案。去年一项类似的措施失败了。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源:<a href=\"https://www.wsj.com/articles/tesla-subjected-black-former-worker-to-racially-hostile-work-environment-jury-finds-11633392880?mod=searchresults_pos3&page=1\">The Wall Street Journal</a></p>\n<p>为提升您的阅读体验,我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"https://www.wsj.com/articles/tesla-subjected-black-former-worker-to-racially-hostile-work-environment-jury-finds-11633392880?mod=searchresults_pos3&page=1","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1188156858","content_text":"The company subjected the employee to a racially hostile work environment, jury finds\nAn attorney for Tesla declined to comment on the verdict.\nSAN FRANCISCO—Tesla Inc. subjected a Black former worker to a racially hostile work environment and failed to take reasonable steps to prevent him from being racially harassed, a federal jury found Monday. \nThe eight-person jury awarded more than $130 million in damages to Owen Diaz, who worked as an elevator operator at Tesla’s Fremont, Calif., factory in 2015 and 2016.\nHe was regularly called racial epithets at work, where he saw racist images and language written in the bathroom and elsewhere, said Bernard Alexander, one of his attorneys, during the trial. The factory, located in the San Francisco Bay Area, was Tesla’s lone auto assembly plant at the time, employing roughly 10,000 people.\nMr. Diaz, 53, held his head in his hands after the jury’s verdict was read. He called the decision a weight off his shoulders. The trial lasted just over a week.\n“It shines a light on what’s going on inside of Tesla’s factory,” he said. “Elon Musk, you’ve been put on notice. Clean that factory up.”\nTracey Kennedy, an attorney for Tesla, said in her closing argument that there was no evidence that a Tesla employee harassed Mr. Diaz and that the company shouldn’t be held liable for the treatment Mr. Diaz alleged. Many workers at Tesla’s factory are contractors employed through staffing agencies.\nTesla’s vice president of people, Valerie Capers Workman, said in an email to employees Monday that when Mr. Diaz complained about harassment, the company ensured its staffing agencies took action.\n“While we strongly believe that these facts don’t justify the verdict reached by the jury in San Francisco, we do recognize that in 2015 and 2016 we were not perfect,” she said in the note, which was republished on Tesla’s blog.\nTesla Chief Executive Elon Musk didn’t immediately respond to a request for comment on the verdict or any plans to appeal.\nThe trial centered on three claims: that Tesla subjected Mr. Diaz to a racially hostile work environment; that the company failed to prevent him from being racially harassed; and that it was negligent in its supervision or retention of an employee, causing harm to Mr. Diaz.\nTesla denied in a court filing that it was aware of the alleged discriminatory and harassing behavior and didn’t take action to protect Black employees. Ms. Kennedy urged the jury to find in Tesla’s favor on each of the claims.\nThe jury, after roughly four hours of deliberation, found in favor of Mr. Diaz on all claims and ordered Tesla to pay Mr. Diaz $6.9 million in compensatory damages and $130 million in punitive damages.\nIt is the second time in recent months that the electric-vehicle maker has been found liable in a case involving claims of race-based harassment or discrimination.\nAnother Black former Tesla worker, Melvin Berry, won a $1 million judgment in May after an arbitrator found that he was called racial slurs by his supervisors and subjected to other racial conduct in the Fremont factory. Tesla was obligated to investigate and stop the racial discrimination and failed to do so, the arbitrator said in her order.\nTesla said that any actions the company took weren’t racially based, according to the order.\nMr. Diaz, who was employed by a staffing agency, didn’t sign an arbitration agreement, allowing his case to proceed to trial. His attorneys said they believed this to be the first case involving alleged harassment or discrimination at Tesla to reach trial.\nTesla is facing similar claims in California state court, where former Tesla assembly worker Marcus Vaughn sued, alleging that Tesla created an intimidating, hostile and offensive work environment for Black workers. He and other plaintiffs are seeking class certification.\nTesla has denied the claims, court records show.In a blog post after Mr. Vaughn filed his lawsuit in 2017, Tesla said, “it is not humanly possible to stop all bad conduct, but we will do our best to make it as close to zero as possible.”\nAn investor proposal up for consideration at Tesla’s annual shareholder meeting Thursday calls on the board to oversee preparation of a report about how the company’s use of mandatory arbitration affects employees and corporate culture. Tesla’s board has urged investors to vote against the proposal. A similar measure failed last year.","news_type":1,"symbols_score_info":{"TSLA":0.9}},"isVote":1,"tweetType":1,"viewCount":3003,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":865503429,"gmtCreate":1632994895571,"gmtModify":1632994895752,"author":{"id":"4087554746740450","authorId":"4087554746740450","name":"29e8bc52","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4087554746740450","idStr":"4087554746740450"},"themes":[],"title":"","htmlText":"[微笑] ","listText":"[微笑] ","text":"[微笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/865503429","repostId":"2171932723","repostType":4,"isVote":1,"tweetType":1,"viewCount":4490,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":882606416,"gmtCreate":1631680322735,"gmtModify":1631890229956,"author":{"id":"4087554746740450","authorId":"4087554746740450","name":"29e8bc52","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4087554746740450","idStr":"4087554746740450"},"themes":[],"title":"","htmlText":"Good ","listText":"Good ","text":"Good","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/882606416","repostId":"1149832852","repostType":4,"isVote":1,"tweetType":1,"viewCount":2360,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":817797965,"gmtCreate":1630986432357,"gmtModify":1631890229962,"author":{"id":"4087554746740450","authorId":"4087554746740450","name":"29e8bc52","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4087554746740450","idStr":"4087554746740450"},"themes":[],"title":"","htmlText":"Oh.. Interesting. ","listText":"Oh.. Interesting. ","text":"Oh.. Interesting.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/817797965","repostId":"2165384697","repostType":4,"isVote":1,"tweetType":1,"viewCount":2347,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":817796665,"gmtCreate":1630986276657,"gmtModify":1631890229963,"author":{"id":"4087554746740450","authorId":"4087554746740450","name":"29e8bc52","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4087554746740450","idStr":"4087554746740450"},"themes":[],"title":"","htmlText":"Yeah ","listText":"Yeah ","text":"Yeah","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/817796665","repostId":"1175895797","repostType":4,"repost":{"id":"1175895797","kind":"news","pubTimestamp":1630984669,"share":"https://www.laohu8.com/m/news/1175895797?lang=zh_CN&edition=full","pubTime":"2021-09-07 11:17","market":"us","language":"en","title":"SoFi Technologies: 4 Trades To Get In On Fintech's Growth<blockquote>SoFi Technologies:参与金融科技增长的4项交易</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1175895797","media":"Investing.com","summary":"SoFi Technologies has recently issued mixed Q2 metrics, which put pressure on the shares\nThe fintech","content":"<p><ul> <li>SoFi Technologies has recently issued mixed Q2 metrics, which put pressure on the shares</li> <li>The fintech group is growing its platform, product offerings and customer numbers</li> <li>We’re optimistic on the long-term growth prospects of SOFI stock, which could move first toward $17.5 and then $20.0 in the coming weeks</li> </ul> Investors in financial technology (fintech) disruptor SoFi Technologies. (NASDAQ:SOFI) have had a volatile year so far in 2021. Year-to-date (YTD) SOFI stock is up close to 22%. However, since early June the stock has lost about 37% of its value.</p><p><blockquote><ul><li>SoFi Technologies最近发布了好坏参半的第二季度指标,这给股价带来了压力</li><li>该金融科技集团正在扩大其平台、产品供应和客户数量</li><li>我们对SOFI股票的长期增长前景持乐观态度,未来几周该股可能首先升至17.5美元,然后升至20.0美元</li></ul>金融科技(fintech)颠覆者SoFi Technologies的投资者。(纳斯达克:SOFI)2021年迄今为止经历了动荡的一年。年初至今(YTD)SOFI股价上涨近22%。然而,自6月初以来,该股价值已下跌约37%。</blockquote></p><p> Our readers could well remember that SoFi Technologies went public through a reverse merger with Social Capital Hedosophia Corp, a special purpose acquisition company (SPAC). SOFI shares finished the day at $22.65. After trading between $20-$25 for several few weeks, the stock sold-off starting in early June.</p><p><blockquote>我们的读者可能还记得,SoFi Technologies是通过与特殊目的收购公司(SPAC)Social Capital Hedosophia Corp反向合并上市的。SOFI股价当天收于22.65美元。在连续几周在20-25美元之间交易后,该股从6月初开始遭到抛售。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/7e84ef86a4fdcb3edda25a7f55e9f93f\" tg-width=\"840\" tg-height=\"470\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p> SOFI stock finished Sept. 3 at $15.16. We should also remind readers that on Feb. 1, prior to the closing of the reverse merger, the shares hit an all-time high of $28.26. The market capitalization of SoFi Technologies stands at $12.12 billion.</p><p><blockquote>SOFI股票9月3日收于15.16美元。我们还应该提醒读者,2月1日,在反向合并完成之前,该股创下了28.26美元的历史新高。SoFi Technologies的市值为121.2亿美元。</blockquote></p><p> Investors debate whether now is a good time to invest in SOFI stock. We’re bullish on the long-term growth prospects of SoFi Technologies. Here’s why.</p><p><blockquote>投资者争论现在是否是投资SOFI股票的好时机。我们看好SoFi Technologies的长期增长前景。原因如下。</blockquote></p><p> <b>Long-Term Tailwinds</b></p><p><blockquote><b>长期顺风</b></blockquote></p><p> SoFi Technologies was founded in 2011 as a student loan refinancing business. Over the past decade, it has grown significantly to become a fintech disruptor. Its app enables consumers to manage, borrow, spend, save and invest money.</p><p><blockquote>SoFi Technologies成立于2011年,是一家学生贷款再融资公司。在过去十年中,它已显着发展成为金融科技颠覆者。它的应用程序使消费者能够管理、借贷、消费、储蓄和投资资金。</blockquote></p><p> For instance, in May 2020, it acquired the payment software company Galileo Financial Technologies, which helps businesses develop payment, card, and digital banking products. Also in March of this year, management announced it had agreed tobuythe California-based community bank Golden Pacific Bancorp, and “The proposed acquisition is a key strategic step in SoFi's path to obtaining a national bank charter.”</p><p><blockquote>例如,2020年5月,它收购了支付软件公司Galileo Financial Technologies,该公司帮助企业开发支付、卡和数字银行产品。同样在今年3月,管理层宣布已同意收购总部位于加州的社区银行Golden Pacific Bancorp,“拟议的收购是SoFi获得国家银行牌照道路上的关键战略步骤。”</blockquote></p><p> On Aug. 12, SOFI issued Q2 financials. Revenue was $231.1 million, up 101% year-over-year (YOY).The company reports revenue in three segments:</p><p><blockquote>8月12日,SOFI发布了第二季度财务数据。收入为2.311亿美元,同比增长101%。该公司报告三个部分的收入:</blockquote></p><p> <ul> <li>Lending (still the driver of the top line with 71.9% share);</li> <li>Financial Services (Q2 revenue was $17.0 million, compared to $2.4 million in Q2 2020);</li> <li>Technology Platform (consists primarily of Galileo which has over the past year, increased its number of accounts, to nearly 79 million from 36 million).</li> </ul> SOFI reported a $165.3 million net loss for Q2 2021, compared to net profit of $7.8 million a year earlier. However, adjusted EBITDA was $11.2 million and positive for the fourth consecutive quarter. It was also $35.0 million higher than Q2 2020.</p><p><blockquote><ul><li>贷款(仍然是营收的驱动力,占71.9%的份额);</li><li>金融服务(第二季度收入为1700万美元,而2020年第二季度为240万美元);</li><li>技术平台(主要由Galileo组成,在过去一年中,其账户数量从3600万增加到近7900万)。</li></ul>SOFI报告2021年第二季度净亏损1.653亿美元,而上年同期净利润为780万美元。然而,调整后EBITDA为1120万美元,连续第四个季度为正值。这也比2020年第二季度高出3500万美元。</blockquote></p><p> On the results, CEO Anthony Noto commented:</p><p><blockquote>对于结果,首席执行官安东尼·诺托评论道:</blockquote></p><p> “We drove our 8th straight quarters of accelerating member growth, with even faster growth in cross-buying from existing members.” For Q3 2021, management expects adjusted net revenue of $245-$255 million, which was lighter than what Wall Street was anticipating. SoFi Technologies also reiterated the full-year 2021 guidance of adjusted net revenue of $980 million and adjusted EBITDA of $27 million.</p><p><blockquote>“我们连续第八个季度加速会员增长,现有会员的交叉购买增长更快。”管理层预计2021年第三季度调整后净收入为245-2.55亿美元,低于华尔街的预期。SoFi Technologies还重申了2021年全年调整后净收入为9.8亿美元,调整后EBITDA为2700万美元的指引。</blockquote></p><p> A number of investors were not fully thrilled with Q2 results, and hit the ‘Sell’ button, pushing SOFI stock to $13.50. However, since then buyers have come in and moved the stock back to $15, a level that is acting as support.</p><p><blockquote>许多投资者对第二季度业绩并不完全满意,按下了“卖出”按钮,将SOFI股价推高至13.50美元。然而,自那以后,买家介入并将该股推回到15美元,这是一个起到支撑作用的水平。</blockquote></p><p> <b>What To Expect From SOFI Stock</b></p><p><blockquote><b>对SOFI股票的期待</b></blockquote></p><p> SoFi Technologies is still a young company. Therefore on <i>Investing.com</i>, we have two analysts polled, both of whom have rated it a ‘buy.’ The shares have a 12-month price target of $26.50, implying a return of about 75% from current levels.</p><p><blockquote>SoFi Technologies仍然是一家年轻的公司。因此在<i>Investing.com</i>,我们对两位分析师进行了调查,他们都将其评级为“买入”。该股12个月目标价为26.50美元,这意味着较当前水平的回报率约为75%。</blockquote></p><p> The stock’s P/B ratio stands at 2.86x. By comparison, the P/B ratios of fintech darlings PayPal (NASDAQ:PYPL) and Square (NYSE:SQ) are 16.25x and 45.93x, respectively</p><p><blockquote>该股的市净率为2.86倍。相比之下,金融科技宠儿PayPal(纳斯达克:PYPL)和Square(纽约证券交易所:SQ)的市净率分别为16.25倍和45.93倍</blockquote></p><p> Investors who watch technical charts might be interested to know that anup movetoward the $17-$17.5 level is likely. In that case, SOFI stock would possibly hit resistance around $17.5 after which it could trade sideways as it establishes a new base.</p><p><blockquote>观看技术图表的投资者可能有兴趣知道anup很可能会升至17-17.5美元的水平。在这种情况下,SOFI股票可能会遇到17.5美元左右的阻力,之后它可能会在建立新的基础时横盘整理。</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a1b6d9b444b951f9abee71b8a394b699\" tg-width=\"654\" tg-height=\"458\" width=\"100%\" height=\"auto\"><span>Source: Investing.com</span></p><p><blockquote><p class=\"t-img-caption\"><span>资料来源:Investing.com</span></p></blockquote></p><p> Finally, as part of the short-term sentiment analysis, it would be important to look at the implied volatility (IV) levels for SoFi Technologies options, which typically show traders the market's opinion of potential moves in a security. However, this metric does not forecast the direction of the move.</p><p><blockquote>最后,作为短期情绪分析的一部分,查看SoFi Technologies期权的隐含波动率(IV)水平非常重要,它通常向交易者显示市场对证券潜在走势的看法。然而,这一指标并不能预测移动的方向。</blockquote></p><p></p><p> SOFI’s current implied volatility is 59.7, which is lower than the 20-day moving average of 67.4. This metric means implied volatility is trending lower. Although the current IV level could change, for now, the market does not seem to expect extreme choppiness in the shares.</p><p><blockquote>SOFI目前的隐含波动率为59.7,低于20日移动平均线67.4。该指标意味着隐含波动率呈下降趋势。尽管目前的IV水平可能会发生变化,但就目前而言,市场似乎预计股价不会出现极端波动。</blockquote></p><p> Although our expectation is for the stock price to increase in the coming weeks, it is not likely to be a straight move higher. There could even be a further decline toward $14 before a new up leg starts. In case of such a decline, potential SoFi Technologies stock investors would then find better value in the stock.</p><p><blockquote>尽管我们预计股价将在未来几周内上涨,但不太可能直线走高。在新的上涨行情开始之前,甚至可能进一步跌至14美元。如果出现这种下跌,潜在的SoFi Technologies股票投资者将会发现该股票更好的价值。</blockquote></p><p> <b>4 Possible Trades1. Buy SOFI Stock At Current Levels</b></p><p><blockquote><b>4种可能的交易1。在当前水平购买SOFI股票</b></blockquote></p><p> Investors who are not concerned with daily moves in price and who believe in the long-term potential of the company could consider investing in SoFi Technologies shares now.</p><p><blockquote>不关心每日价格变动并相信该公司长期潜力的投资者现在可以考虑投资SoFi Technologies股票。</blockquote></p><p> On Sept. 3, SOFI stock closed at $15.16. Buy-and-hold investors should expect to keep this long position for several months while the stock potentially makes an attempt, first toward $17.5 and then $20, leading to a return of over 30%.</p><p><blockquote>9月3日,SOFI股价收于15.16美元。买入并持有的投资者应该预计将在几个月内保持这一多头头寸,而该股可能会尝试,首先升至17.5美元,然后升至20美元,从而带来超过30%的回报。</blockquote></p><p> However, investors who are concerned about large declines might also consider placing a stop-loss about 3-5% below their entry point.</p><p><blockquote>然而,担心大幅下跌的投资者也可以考虑在进场点以下约3-5%设置止损。</blockquote></p><p> Once the stock is firmly established around $20, it could then potentially make another move toward the record high $28.26. However, such an increase would possibly take several quarters.</p><p><blockquote>一旦该股站稳在20美元左右,它可能会再次向28.26美元的历史新高迈进。然而,这种增长可能需要几个季度的时间。</blockquote></p><p> <b>2. Sell A Cash-Secured Put Option On SOFI Stock</b></p><p><blockquote><b>2.出售SOFI股票的现金担保看跌期权</b></blockquote></p><p> Our second trade involves a cash-secured put strategy. We have recently covered this option in numerous articles. Here is one example.</p><p><blockquote>我们的第二笔交易涉及现金担保看跌策略。我们最近在许多文章中讨论了这个选项。这里有一个例子。</blockquote></p><p> Bullish SoFi Technologies stock traders could now sell a Dec. 17, 15-strike put option, which is currently being offered at $2.13.</p><p><blockquote>看涨SoFi Technologies股票交易者现在可以出售12月17日15行权的看跌期权,目前报价为2.13美元。</blockquote></p><p> Assuming traders would enter this put-selling strategy at the current price, the upside is keeping this premium of $213 as long as SOFI stock closes above $15, when the option expires. A total of $213 would be the maximum return for this trade (excluding trading costs and taxes).</p><p><blockquote>假设交易者以当前价格进入这种看跌卖出策略,那么只要期权到期时SOFI股票收盘价高于15美元,上涨空间就会保持213美元的溢价。这笔交易的最高回报为213美元(不包括交易成本和税收)。</blockquote></p><p> The downside is if SoFi Technologies stock trades below $15.00 ahead of expiration. Should that occur, traders could be assigned 100 shares for each sold put at a cost of $15.00 per share.</p><p><blockquote>不利的一面是,如果SoFi Technologies股票在到期前交易价格低于15.00美元。如果发生这种情况,交易者可以以每股15.00美元的价格为每卖出一份看跌期权分配100股。</blockquote></p><p> At expiry, this trade would break even at a stock price of $12.87 (i.e., $15-$2.13).</p><p><blockquote>到期时,该交易将以12.87美元(即15-2.13美元)的股价实现收支平衡。</blockquote></p><p> <b>3. Buy An ETF That Has SoFi Technologies As A Holding</b></p><p><blockquote><b>3.购买持有SoFi Technologies的ETF</b></blockquote></p><p> Many readers are familiar with the fact that we regularly cover exchange-traded funds (ETFs) that might be suitable for buy-and-hold investors. Thus, readers who do not want to commit capital to SOFI stock but would still like to have exposure to the shares could consider researching a fund that holds the company.</p><p><blockquote>许多读者都熟悉这样一个事实,即我们定期报道可能适合买入并持有投资者的交易所交易基金(ETF)。因此,不想投入资金购买SOFI股票但仍希望投资该股票的读者可以考虑研究持有该公司的基金。</blockquote></p><p> However, since SoFi Technologies is a small and young company, it is not yet a leading holding in an ETF. This means such an investment would provide only a limited exposure to SOFI shares.</p><p><blockquote>然而,由于SoFi Technologies是一家小型且年轻的公司,因此它还不是ETF中的领先持股。这意味着此类投资只能提供有限的SOFI股票敞口。</blockquote></p><p> Nonetheless, examples of ETFs that have SOFI stock include:</p><p><blockquote>尽管如此,拥有SOFI股票的ETF示例包括:</blockquote></p><p> <ul> <li>The De-SPAC ETF (NYSE:DSPC): This new fund is about flat since inception in May 2021. SOFI stock’s weighting is 3.85%;</p><p><blockquote><ul><li>De-SPAC ETF(纽约证券交易所股票代码:DSPC):这只新基金自2021年5月成立以来大致持平。SOFI股票的权重为3.85%;</li></ul></blockquote></p><p></li> <li>JPMorgan BetaBuilders U.S. Small Cap Equity ETF (NYSE:BBSC): The fund is up 17.2% YTD, and SOFI stock’s weighting is 0.38%;</p><p><blockquote><li>摩根大通BetaBuilders美国小盘股ETF(纽约证券交易所股票代码:BBSC):该基金年初至今上涨17.2%,SOFI股票权重为0.38%;</li></blockquote></p><p></li> <li>First Trust US Equity Opportunities ETF (NYSE:FPX): The fund is up 10.9% YTD, and SOFI stock’s weighting is 0.29%.</p><p><blockquote><li>First Trust US Equity Opportunities ETF(纽约证券交易所股票代码:FPX):该基金年初至今上涨10.9%,SOFI股票的权重为0.29%。</li></blockquote></p><p></li> </ul> <b>4. Buy Shares In Another Fintech Company</b></p><p><blockquote><b>4.购买另一家金融科技公司的股票</b></blockquote></p><p> Potential investors who are interested in the fintech space, could consider investing in other names in the sector as well. Several names that could appeal to readers are (in alphabetical order):</p><p><blockquote>对金融科技领域感兴趣的潜在投资者也可以考虑投资该行业的其他公司。可能吸引读者的几个名字是(按字母顺序排列):</blockquote></p><p> <ul> <li>Bill.com (NYSE:BILL): up 117.7% YTD;</li> <li>Fiserv (NASDAQ:FISV): up 1.6% YTD;</li> <li>Green Dot (NYSE:GDOT): down 1.8% YTD;</li> <li>JPMorgan Chase (NYSE:JPM): up 25.5% YTD;</li> <li>Lemonade (NYSE:LMND): down 36.9% YTD;</li> <li>Marqeta (NASDAQ:MQ): down 17.1% since going public in June;</li> <li>MercadoLibre (NASDAQ:MELI): up 16.2% YTD;</li> <li>PayPal: up 23.4% YTD;</li> <li>Silvergate Capital (NYSE:SI): up 62.4% YTD;</li> <li>Square: up 23.9% YTD;</li> <li>StoneCo (NASDAQ:STNE): down 46.8% YTD;</li> <li>Visa (NYSE:V): up 2.9% YTD.</li> </ul> As the returns above highlight, the fortunes of these companies have varied significantly in 2021. Therefore, potential investors would need to research them well before committing capital into the shares.</p><p><blockquote><ul><li>Bill.com(纽约证券交易所股票代码:BILL):年初至今上涨117.7%;</li><li>Fiserv(纳斯达克:FISV):年初至今上涨1.6%;</li><li>绿点(纽约证券交易所股票代码:GDOT):年初至今下跌1.8%;</li><li>摩根大通(纽约证券交易所股票代码:JPM):年初至今上涨25.5%;</li><li>柠檬水(纽约证券交易所股票代码:LMND):年初至今下跌36.9%;</li><li>Marqeta(纳斯达克:MQ):自6月上市以来下跌17.1%;</li><li>MercadoLibre(纳斯达克:MELI):年初至今上涨16.2%;</li><li>PayPal:年初至今上涨23.4%;</li><li>Silvergate Capital(纽约证券交易所股票代码:SI):年初至今上涨62.4%;</li><li>Square:年初至今上涨23.9%;</li><li>StoneCo(纳斯达克:STNE):年初至今下跌46.8%;</li><li>Visa(纽约证券交易所股票代码:V):年初至今上涨2.9%。</li></ul>正如上述回报所强调的那样,这些公司的命运在2021年差异很大。因此,潜在投资者在向股票投入资金之前需要对它们进行充分研究。</blockquote></p><p> <b>Bottom Line</b></p><p><blockquote><b>底线</b></blockquote></p><p> Since going public in early June, SOFI stock has been in the limelight. Although the record high share price of $28.26, which was seen in February before the the reverse-merger was completed, seems quite distant now, the company is likely to create better shareholder value in the months ahead. Meanwhile, the company could even find itself a takeover candidate.</p><p><blockquote>自6月初上市以来,SOFI股票一直备受关注。尽管反向合并完成前2月份创下的28.26美元的历史新高股价现在似乎还很遥远,但该公司可能会在未来几个月创造更好的股东价值。与此同时,该公司甚至可能发现自己是收购候选人。</blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SoFi Technologies: 4 Trades To Get In On Fintech's Growth<blockquote>SoFi Technologies:参与金融科技增长的4项交易</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 Technologies: 4 Trades To Get In On Fintech's Growth<blockquote>SoFi Technologies:参与金融科技增长的4项交易</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Investing.com</strong><span class=\"h-time small\">2021-09-07 11:17</span>\n</p>\n</h4>\n</header>\n<article>\n<p><ul> <li>SoFi Technologies has recently issued mixed Q2 metrics, which put pressure on the shares</li> <li>The fintech group is growing its platform, product offerings and customer numbers</li> <li>We’re optimistic on the long-term growth prospects of SOFI stock, which could move first toward $17.5 and then $20.0 in the coming weeks</li> </ul> Investors in financial technology (fintech) disruptor SoFi Technologies. (NASDAQ:SOFI) have had a volatile year so far in 2021. Year-to-date (YTD) SOFI stock is up close to 22%. However, since early June the stock has lost about 37% of its value.</p><p><blockquote><ul><li>SoFi Technologies最近发布了好坏参半的第二季度指标,这给股价带来了压力</li><li>该金融科技集团正在扩大其平台、产品供应和客户数量</li><li>我们对SOFI股票的长期增长前景持乐观态度,未来几周该股可能首先升至17.5美元,然后升至20.0美元</li></ul>金融科技(fintech)颠覆者SoFi Technologies的投资者。(纳斯达克:SOFI)2021年迄今为止经历了动荡的一年。年初至今(YTD)SOFI股价上涨近22%。然而,自6月初以来,该股价值已下跌约37%。</blockquote></p><p> Our readers could well remember that SoFi Technologies went public through a reverse merger with Social Capital Hedosophia Corp, a special purpose acquisition company (SPAC). SOFI shares finished the day at $22.65. After trading between $20-$25 for several few weeks, the stock sold-off starting in early June.</p><p><blockquote>我们的读者可能还记得,SoFi Technologies是通过与特殊目的收购公司(SPAC)Social Capital Hedosophia Corp反向合并上市的。SOFI股价当天收于22.65美元。在连续几周在20-25美元之间交易后,该股从6月初开始遭到抛售。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/7e84ef86a4fdcb3edda25a7f55e9f93f\" tg-width=\"840\" tg-height=\"470\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p> SOFI stock finished Sept. 3 at $15.16. We should also remind readers that on Feb. 1, prior to the closing of the reverse merger, the shares hit an all-time high of $28.26. The market capitalization of SoFi Technologies stands at $12.12 billion.</p><p><blockquote>SOFI股票9月3日收于15.16美元。我们还应该提醒读者,2月1日,在反向合并完成之前,该股创下了28.26美元的历史新高。SoFi Technologies的市值为121.2亿美元。</blockquote></p><p> Investors debate whether now is a good time to invest in SOFI stock. We’re bullish on the long-term growth prospects of SoFi Technologies. Here’s why.</p><p><blockquote>投资者争论现在是否是投资SOFI股票的好时机。我们看好SoFi Technologies的长期增长前景。原因如下。</blockquote></p><p> <b>Long-Term Tailwinds</b></p><p><blockquote><b>长期顺风</b></blockquote></p><p> SoFi Technologies was founded in 2011 as a student loan refinancing business. Over the past decade, it has grown significantly to become a fintech disruptor. Its app enables consumers to manage, borrow, spend, save and invest money.</p><p><blockquote>SoFi Technologies成立于2011年,是一家学生贷款再融资公司。在过去十年中,它已显着发展成为金融科技颠覆者。它的应用程序使消费者能够管理、借贷、消费、储蓄和投资资金。</blockquote></p><p> For instance, in May 2020, it acquired the payment software company Galileo Financial Technologies, which helps businesses develop payment, card, and digital banking products. Also in March of this year, management announced it had agreed tobuythe California-based community bank Golden Pacific Bancorp, and “The proposed acquisition is a key strategic step in SoFi's path to obtaining a national bank charter.”</p><p><blockquote>例如,2020年5月,它收购了支付软件公司Galileo Financial Technologies,该公司帮助企业开发支付、卡和数字银行产品。同样在今年3月,管理层宣布已同意收购总部位于加州的社区银行Golden Pacific Bancorp,“拟议的收购是SoFi获得国家银行牌照道路上的关键战略步骤。”</blockquote></p><p> On Aug. 12, SOFI issued Q2 financials. Revenue was $231.1 million, up 101% year-over-year (YOY).The company reports revenue in three segments:</p><p><blockquote>8月12日,SOFI发布了第二季度财务数据。收入为2.311亿美元,同比增长101%。该公司报告三个部分的收入:</blockquote></p><p> <ul> <li>Lending (still the driver of the top line with 71.9% share);</li> <li>Financial Services (Q2 revenue was $17.0 million, compared to $2.4 million in Q2 2020);</li> <li>Technology Platform (consists primarily of Galileo which has over the past year, increased its number of accounts, to nearly 79 million from 36 million).</li> </ul> SOFI reported a $165.3 million net loss for Q2 2021, compared to net profit of $7.8 million a year earlier. However, adjusted EBITDA was $11.2 million and positive for the fourth consecutive quarter. It was also $35.0 million higher than Q2 2020.</p><p><blockquote><ul><li>贷款(仍然是营收的驱动力,占71.9%的份额);</li><li>金融服务(第二季度收入为1700万美元,而2020年第二季度为240万美元);</li><li>技术平台(主要由Galileo组成,在过去一年中,其账户数量从3600万增加到近7900万)。</li></ul>SOFI报告2021年第二季度净亏损1.653亿美元,而上年同期净利润为780万美元。然而,调整后EBITDA为1120万美元,连续第四个季度为正值。这也比2020年第二季度高出3500万美元。</blockquote></p><p> On the results, CEO Anthony Noto commented:</p><p><blockquote>对于结果,首席执行官安东尼·诺托评论道:</blockquote></p><p> “We drove our 8th straight quarters of accelerating member growth, with even faster growth in cross-buying from existing members.” For Q3 2021, management expects adjusted net revenue of $245-$255 million, which was lighter than what Wall Street was anticipating. SoFi Technologies also reiterated the full-year 2021 guidance of adjusted net revenue of $980 million and adjusted EBITDA of $27 million.</p><p><blockquote>“我们连续第八个季度加速会员增长,现有会员的交叉购买增长更快。”管理层预计2021年第三季度调整后净收入为245-2.55亿美元,低于华尔街的预期。SoFi Technologies还重申了2021年全年调整后净收入为9.8亿美元,调整后EBITDA为2700万美元的指引。</blockquote></p><p> A number of investors were not fully thrilled with Q2 results, and hit the ‘Sell’ button, pushing SOFI stock to $13.50. However, since then buyers have come in and moved the stock back to $15, a level that is acting as support.</p><p><blockquote>许多投资者对第二季度业绩并不完全满意,按下了“卖出”按钮,将SOFI股价推高至13.50美元。然而,自那以后,买家介入并将该股推回到15美元,这是一个起到支撑作用的水平。</blockquote></p><p> <b>What To Expect From SOFI Stock</b></p><p><blockquote><b>对SOFI股票的期待</b></blockquote></p><p> SoFi Technologies is still a young company. Therefore on <i>Investing.com</i>, we have two analysts polled, both of whom have rated it a ‘buy.’ The shares have a 12-month price target of $26.50, implying a return of about 75% from current levels.</p><p><blockquote>SoFi Technologies仍然是一家年轻的公司。因此在<i>Investing.com</i>,我们对两位分析师进行了调查,他们都将其评级为“买入”。该股12个月目标价为26.50美元,这意味着较当前水平的回报率约为75%。</blockquote></p><p> The stock’s P/B ratio stands at 2.86x. By comparison, the P/B ratios of fintech darlings PayPal (NASDAQ:PYPL) and Square (NYSE:SQ) are 16.25x and 45.93x, respectively</p><p><blockquote>该股的市净率为2.86倍。相比之下,金融科技宠儿PayPal(纳斯达克:PYPL)和Square(纽约证券交易所:SQ)的市净率分别为16.25倍和45.93倍</blockquote></p><p> Investors who watch technical charts might be interested to know that anup movetoward the $17-$17.5 level is likely. In that case, SOFI stock would possibly hit resistance around $17.5 after which it could trade sideways as it establishes a new base.</p><p><blockquote>观看技术图表的投资者可能有兴趣知道anup很可能会升至17-17.5美元的水平。在这种情况下,SOFI股票可能会遇到17.5美元左右的阻力,之后它可能会在建立新的基础时横盘整理。</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a1b6d9b444b951f9abee71b8a394b699\" tg-width=\"654\" tg-height=\"458\" width=\"100%\" height=\"auto\"><span>Source: Investing.com</span></p><p><blockquote><p class=\"t-img-caption\"><span>资料来源:Investing.com</span></p></blockquote></p><p> Finally, as part of the short-term sentiment analysis, it would be important to look at the implied volatility (IV) levels for SoFi Technologies options, which typically show traders the market's opinion of potential moves in a security. However, this metric does not forecast the direction of the move.</p><p><blockquote>最后,作为短期情绪分析的一部分,查看SoFi Technologies期权的隐含波动率(IV)水平非常重要,它通常向交易者显示市场对证券潜在走势的看法。然而,这一指标并不能预测移动的方向。</blockquote></p><p></p><p> SOFI’s current implied volatility is 59.7, which is lower than the 20-day moving average of 67.4. This metric means implied volatility is trending lower. Although the current IV level could change, for now, the market does not seem to expect extreme choppiness in the shares.</p><p><blockquote>SOFI目前的隐含波动率为59.7,低于20日移动平均线67.4。该指标意味着隐含波动率呈下降趋势。尽管目前的IV水平可能会发生变化,但就目前而言,市场似乎预计股价不会出现极端波动。</blockquote></p><p> Although our expectation is for the stock price to increase in the coming weeks, it is not likely to be a straight move higher. There could even be a further decline toward $14 before a new up leg starts. In case of such a decline, potential SoFi Technologies stock investors would then find better value in the stock.</p><p><blockquote>尽管我们预计股价将在未来几周内上涨,但不太可能直线走高。在新的上涨行情开始之前,甚至可能进一步跌至14美元。如果出现这种下跌,潜在的SoFi Technologies股票投资者将会发现该股票更好的价值。</blockquote></p><p> <b>4 Possible Trades1. Buy SOFI Stock At Current Levels</b></p><p><blockquote><b>4种可能的交易1。在当前水平购买SOFI股票</b></blockquote></p><p> Investors who are not concerned with daily moves in price and who believe in the long-term potential of the company could consider investing in SoFi Technologies shares now.</p><p><blockquote>不关心每日价格变动并相信该公司长期潜力的投资者现在可以考虑投资SoFi Technologies股票。</blockquote></p><p> On Sept. 3, SOFI stock closed at $15.16. Buy-and-hold investors should expect to keep this long position for several months while the stock potentially makes an attempt, first toward $17.5 and then $20, leading to a return of over 30%.</p><p><blockquote>9月3日,SOFI股价收于15.16美元。买入并持有的投资者应该预计将在几个月内保持这一多头头寸,而该股可能会尝试,首先升至17.5美元,然后升至20美元,从而带来超过30%的回报。</blockquote></p><p> However, investors who are concerned about large declines might also consider placing a stop-loss about 3-5% below their entry point.</p><p><blockquote>然而,担心大幅下跌的投资者也可以考虑在进场点以下约3-5%设置止损。</blockquote></p><p> Once the stock is firmly established around $20, it could then potentially make another move toward the record high $28.26. However, such an increase would possibly take several quarters.</p><p><blockquote>一旦该股站稳在20美元左右,它可能会再次向28.26美元的历史新高迈进。然而,这种增长可能需要几个季度的时间。</blockquote></p><p> <b>2. Sell A Cash-Secured Put Option On SOFI Stock</b></p><p><blockquote><b>2.出售SOFI股票的现金担保看跌期权</b></blockquote></p><p> Our second trade involves a cash-secured put strategy. We have recently covered this option in numerous articles. Here is one example.</p><p><blockquote>我们的第二笔交易涉及现金担保看跌策略。我们最近在许多文章中讨论了这个选项。这里有一个例子。</blockquote></p><p> Bullish SoFi Technologies stock traders could now sell a Dec. 17, 15-strike put option, which is currently being offered at $2.13.</p><p><blockquote>看涨SoFi Technologies股票交易者现在可以出售12月17日15行权的看跌期权,目前报价为2.13美元。</blockquote></p><p> Assuming traders would enter this put-selling strategy at the current price, the upside is keeping this premium of $213 as long as SOFI stock closes above $15, when the option expires. A total of $213 would be the maximum return for this trade (excluding trading costs and taxes).</p><p><blockquote>假设交易者以当前价格进入这种看跌卖出策略,那么只要期权到期时SOFI股票收盘价高于15美元,上涨空间就会保持213美元的溢价。这笔交易的最高回报为213美元(不包括交易成本和税收)。</blockquote></p><p> The downside is if SoFi Technologies stock trades below $15.00 ahead of expiration. Should that occur, traders could be assigned 100 shares for each sold put at a cost of $15.00 per share.</p><p><blockquote>不利的一面是,如果SoFi Technologies股票在到期前交易价格低于15.00美元。如果发生这种情况,交易者可以以每股15.00美元的价格为每卖出一份看跌期权分配100股。</blockquote></p><p> At expiry, this trade would break even at a stock price of $12.87 (i.e., $15-$2.13).</p><p><blockquote>到期时,该交易将以12.87美元(即15-2.13美元)的股价实现收支平衡。</blockquote></p><p> <b>3. Buy An ETF That Has SoFi Technologies As A Holding</b></p><p><blockquote><b>3.购买持有SoFi Technologies的ETF</b></blockquote></p><p> Many readers are familiar with the fact that we regularly cover exchange-traded funds (ETFs) that might be suitable for buy-and-hold investors. Thus, readers who do not want to commit capital to SOFI stock but would still like to have exposure to the shares could consider researching a fund that holds the company.</p><p><blockquote>许多读者都熟悉这样一个事实,即我们定期报道可能适合买入并持有投资者的交易所交易基金(ETF)。因此,不想投入资金购买SOFI股票但仍希望投资该股票的读者可以考虑研究持有该公司的基金。</blockquote></p><p> However, since SoFi Technologies is a small and young company, it is not yet a leading holding in an ETF. This means such an investment would provide only a limited exposure to SOFI shares.</p><p><blockquote>然而,由于SoFi Technologies是一家小型且年轻的公司,因此它还不是ETF中的领先持股。这意味着此类投资只能提供有限的SOFI股票敞口。</blockquote></p><p> Nonetheless, examples of ETFs that have SOFI stock include:</p><p><blockquote>尽管如此,拥有SOFI股票的ETF示例包括:</blockquote></p><p> <ul> <li>The De-SPAC ETF (NYSE:DSPC): This new fund is about flat since inception in May 2021. SOFI stock’s weighting is 3.85%;</p><p><blockquote><ul><li>De-SPAC ETF(纽约证券交易所股票代码:DSPC):这只新基金自2021年5月成立以来大致持平。SOFI股票的权重为3.85%;</li></ul></blockquote></p><p></li> <li>JPMorgan BetaBuilders U.S. Small Cap Equity ETF (NYSE:BBSC): The fund is up 17.2% YTD, and SOFI stock’s weighting is 0.38%;</p><p><blockquote><li>摩根大通BetaBuilders美国小盘股ETF(纽约证券交易所股票代码:BBSC):该基金年初至今上涨17.2%,SOFI股票权重为0.38%;</li></blockquote></p><p></li> <li>First Trust US Equity Opportunities ETF (NYSE:FPX): The fund is up 10.9% YTD, and SOFI stock’s weighting is 0.29%.</p><p><blockquote><li>First Trust US Equity Opportunities ETF(纽约证券交易所股票代码:FPX):该基金年初至今上涨10.9%,SOFI股票的权重为0.29%。</li></blockquote></p><p></li> </ul> <b>4. Buy Shares In Another Fintech Company</b></p><p><blockquote><b>4.购买另一家金融科技公司的股票</b></blockquote></p><p> Potential investors who are interested in the fintech space, could consider investing in other names in the sector as well. Several names that could appeal to readers are (in alphabetical order):</p><p><blockquote>对金融科技领域感兴趣的潜在投资者也可以考虑投资该行业的其他公司。可能吸引读者的几个名字是(按字母顺序排列):</blockquote></p><p> <ul> <li>Bill.com (NYSE:BILL): up 117.7% YTD;</li> <li>Fiserv (NASDAQ:FISV): up 1.6% YTD;</li> <li>Green Dot (NYSE:GDOT): down 1.8% YTD;</li> <li>JPMorgan Chase (NYSE:JPM): up 25.5% YTD;</li> <li>Lemonade (NYSE:LMND): down 36.9% YTD;</li> <li>Marqeta (NASDAQ:MQ): down 17.1% since going public in June;</li> <li>MercadoLibre (NASDAQ:MELI): up 16.2% YTD;</li> <li>PayPal: up 23.4% YTD;</li> <li>Silvergate Capital (NYSE:SI): up 62.4% YTD;</li> <li>Square: up 23.9% YTD;</li> <li>StoneCo (NASDAQ:STNE): down 46.8% YTD;</li> <li>Visa (NYSE:V): up 2.9% YTD.</li> </ul> As the returns above highlight, the fortunes of these companies have varied significantly in 2021. Therefore, potential investors would need to research them well before committing capital into the shares.</p><p><blockquote><ul><li>Bill.com(纽约证券交易所股票代码:BILL):年初至今上涨117.7%;</li><li>Fiserv(纳斯达克:FISV):年初至今上涨1.6%;</li><li>绿点(纽约证券交易所股票代码:GDOT):年初至今下跌1.8%;</li><li>摩根大通(纽约证券交易所股票代码:JPM):年初至今上涨25.5%;</li><li>柠檬水(纽约证券交易所股票代码:LMND):年初至今下跌36.9%;</li><li>Marqeta(纳斯达克:MQ):自6月上市以来下跌17.1%;</li><li>MercadoLibre(纳斯达克:MELI):年初至今上涨16.2%;</li><li>PayPal:年初至今上涨23.4%;</li><li>Silvergate Capital(纽约证券交易所股票代码:SI):年初至今上涨62.4%;</li><li>Square:年初至今上涨23.9%;</li><li>StoneCo(纳斯达克:STNE):年初至今下跌46.8%;</li><li>Visa(纽约证券交易所股票代码:V):年初至今上涨2.9%。</li></ul>正如上述回报所强调的那样,这些公司的命运在2021年差异很大。因此,潜在投资者在向股票投入资金之前需要对它们进行充分研究。</blockquote></p><p> <b>Bottom Line</b></p><p><blockquote><b>底线</b></blockquote></p><p> Since going public in early June, SOFI stock has been in the limelight. Although the record high share price of $28.26, which was seen in February before the the reverse-merger was completed, seems quite distant now, the company is likely to create better shareholder value in the months ahead. Meanwhile, the company could even find itself a takeover candidate.</p><p><blockquote>自6月初上市以来,SOFI股票一直备受关注。尽管反向合并完成前2月份创下的28.26美元的历史新高股价现在似乎还很遥远,但该公司可能会在未来几个月创造更好的股东价值。与此同时,该公司甚至可能发现自己是收购候选人。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源:<a href=\"https://www.investing.com/analysis/sofi-technologies-4-trades-to-get-in-on-fintechs-growth-200601028\">Investing.com</a></p>\n<p>为提升您的阅读体验,我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://www.investing.com/analysis/sofi-technologies-4-trades-to-get-in-on-fintechs-growth-200601028","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1175895797","content_text":"SoFi Technologies has recently issued mixed Q2 metrics, which put pressure on the shares\nThe fintech group is growing its platform, product offerings and customer numbers\nWe’re optimistic on the long-term growth prospects of SOFI stock, which could move first toward $17.5 and then $20.0 in the coming weeks\n\nInvestors in financial technology (fintech) disruptor SoFi Technologies. (NASDAQ:SOFI) have had a volatile year so far in 2021. Year-to-date (YTD) SOFI stock is up close to 22%. However, since early June the stock has lost about 37% of its value.\nOur readers could well remember that SoFi Technologies went public through a reverse merger with Social Capital Hedosophia Corp, a special purpose acquisition company (SPAC). SOFI shares finished the day at $22.65. After trading between $20-$25 for several few weeks, the stock sold-off starting in early June.\n\nSOFI stock finished Sept. 3 at $15.16. We should also remind readers that on Feb. 1, prior to the closing of the reverse merger, the shares hit an all-time high of $28.26. The market capitalization of SoFi Technologies stands at $12.12 billion.\nInvestors debate whether now is a good time to invest in SOFI stock. We’re bullish on the long-term growth prospects of SoFi Technologies. Here’s why.\nLong-Term Tailwinds\nSoFi Technologies was founded in 2011 as a student loan refinancing business. Over the past decade, it has grown significantly to become a fintech disruptor. Its app enables consumers to manage, borrow, spend, save and invest money.\nFor instance, in May 2020, it acquired the payment software company Galileo Financial Technologies, which helps businesses develop payment, card, and digital banking products. Also in March of this year, management announced it had agreed tobuythe California-based community bank Golden Pacific Bancorp, and “The proposed acquisition is a key strategic step in SoFi's path to obtaining a national bank charter.”\nOn Aug. 12, SOFI issued Q2 financials. Revenue was $231.1 million, up 101% year-over-year (YOY).The company reports revenue in three segments:\n\nLending (still the driver of the top line with 71.9% share);\nFinancial Services (Q2 revenue was $17.0 million, compared to $2.4 million in Q2 2020);\nTechnology Platform (consists primarily of Galileo which has over the past year, increased its number of accounts, to nearly 79 million from 36 million).\n\nSOFI reported a $165.3 million net loss for Q2 2021, compared to net profit of $7.8 million a year earlier. However, adjusted EBITDA was $11.2 million and positive for the fourth consecutive quarter. It was also $35.0 million higher than Q2 2020.\nOn the results, CEO Anthony Noto commented:\n\n “We drove our 8th straight quarters of accelerating member growth, with even faster growth in cross-buying from existing members.”\n\nFor Q3 2021, management expects adjusted net revenue of $245-$255 million, which was lighter than what Wall Street was anticipating. SoFi Technologies also reiterated the full-year 2021 guidance of adjusted net revenue of $980 million and adjusted EBITDA of $27 million.\nA number of investors were not fully thrilled with Q2 results, and hit the ‘Sell’ button, pushing SOFI stock to $13.50. However, since then buyers have come in and moved the stock back to $15, a level that is acting as support.\nWhat To Expect From SOFI Stock\nSoFi Technologies is still a young company. Therefore on Investing.com, we have two analysts polled, both of whom have rated it a ‘buy.’ The shares have a 12-month price target of $26.50, implying a return of about 75% from current levels.\nThe stock’s P/B ratio stands at 2.86x. By comparison, the P/B ratios of fintech darlings PayPal (NASDAQ:PYPL) and Square (NYSE:SQ) are 16.25x and 45.93x, respectively\nInvestors who watch technical charts might be interested to know that anup movetoward the $17-$17.5 level is likely. In that case, SOFI stock would possibly hit resistance around $17.5 after which it could trade sideways as it establishes a new base.\nSource: Investing.com\nFinally, as part of the short-term sentiment analysis, it would be important to look at the implied volatility (IV) levels for SoFi Technologies options, which typically show traders the market's opinion of potential moves in a security. However, this metric does not forecast the direction of the move.\nSOFI’s current implied volatility is 59.7, which is lower than the 20-day moving average of 67.4. This metric means implied volatility is trending lower. Although the current IV level could change, for now, the market does not seem to expect extreme choppiness in the shares.\nAlthough our expectation is for the stock price to increase in the coming weeks, it is not likely to be a straight move higher. There could even be a further decline toward $14 before a new up leg starts. In case of such a decline, potential SoFi Technologies stock investors would then find better value in the stock.\n4 Possible Trades1. Buy SOFI Stock At Current Levels\nInvestors who are not concerned with daily moves in price and who believe in the long-term potential of the company could consider investing in SoFi Technologies shares now.\nOn Sept. 3, SOFI stock closed at $15.16. Buy-and-hold investors should expect to keep this long position for several months while the stock potentially makes an attempt, first toward $17.5 and then $20, leading to a return of over 30%.\nHowever, investors who are concerned about large declines might also consider placing a stop-loss about 3-5% below their entry point.\nOnce the stock is firmly established around $20, it could then potentially make another move toward the record high $28.26. However, such an increase would possibly take several quarters.\n2. Sell A Cash-Secured Put Option On SOFI Stock\nOur second trade involves a cash-secured put strategy. We have recently covered this option in numerous articles. Here is one example.\nBullish SoFi Technologies stock traders could now sell a Dec. 17, 15-strike put option, which is currently being offered at $2.13.\nAssuming traders would enter this put-selling strategy at the current price, the upside is keeping this premium of $213 as long as SOFI stock closes above $15, when the option expires. A total of $213 would be the maximum return for this trade (excluding trading costs and taxes).\nThe downside is if SoFi Technologies stock trades below $15.00 ahead of expiration. Should that occur, traders could be assigned 100 shares for each sold put at a cost of $15.00 per share.\nAt expiry, this trade would break even at a stock price of $12.87 (i.e., $15-$2.13).\n3. Buy An ETF That Has SoFi Technologies As A Holding\nMany readers are familiar with the fact that we regularly cover exchange-traded funds (ETFs) that might be suitable for buy-and-hold investors. Thus, readers who do not want to commit capital to SOFI stock but would still like to have exposure to the shares could consider researching a fund that holds the company.\nHowever, since SoFi Technologies is a small and young company, it is not yet a leading holding in an ETF. This means such an investment would provide only a limited exposure to SOFI shares.\nNonetheless, examples of ETFs that have SOFI stock include:\n\nThe De-SPAC ETF (NYSE:DSPC): This new fund is about flat since inception in May 2021. SOFI stock’s weighting is 3.85%;\nJPMorgan BetaBuilders U.S. Small Cap Equity ETF (NYSE:BBSC): The fund is up 17.2% YTD, and SOFI stock’s weighting is 0.38%;\nFirst Trust US Equity Opportunities ETF (NYSE:FPX): The fund is up 10.9% YTD, and SOFI stock’s weighting is 0.29%.\n\n4. Buy Shares In Another Fintech Company\nPotential investors who are interested in the fintech space, could consider investing in other names in the sector as well. Several names that could appeal to readers are (in alphabetical order):\n\nBill.com (NYSE:BILL): up 117.7% YTD;\nFiserv (NASDAQ:FISV): up 1.6% YTD;\nGreen Dot (NYSE:GDOT): down 1.8% YTD;\nJPMorgan Chase (NYSE:JPM): up 25.5% YTD;\nLemonade (NYSE:LMND): down 36.9% YTD;\nMarqeta (NASDAQ:MQ): down 17.1% since going public in June;\nMercadoLibre (NASDAQ:MELI): up 16.2% YTD;\nPayPal: up 23.4% YTD;\nSilvergate Capital (NYSE:SI): up 62.4% YTD;\nSquare: up 23.9% YTD;\nStoneCo (NASDAQ:STNE): down 46.8% YTD;\nVisa (NYSE:V): up 2.9% YTD.\n\nAs the returns above highlight, the fortunes of these companies have varied significantly in 2021. Therefore, potential investors would need to research them well before committing capital into the shares.\nBottom Line\nSince going public in early June, SOFI stock has been in the limelight. Although the record high share price of $28.26, which was seen in February before the the reverse-merger was completed, seems quite distant now, the company is likely to create better shareholder value in the months ahead. Meanwhile, the company could even find itself a takeover candidate.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"tweetType":1,"viewCount":1803,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":817798314,"gmtCreate":1630986217638,"gmtModify":1631890229966,"author":{"id":"4087554746740450","authorId":"4087554746740450","name":"29e8bc52","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4087554746740450","idStr":"4087554746740450"},"themes":[],"title":"","htmlText":"Huat","listText":"Huat","text":"Huat","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/817798314","repostId":"1180042484","repostType":4,"isVote":1,"tweetType":1,"viewCount":3319,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"defaultTab":"following","isTTM":false}