<p>最近的财报超过市场预期，金融科技公司 <strong>SoFi Technologies</strong>（纳斯达克：<strong>SOFI</strong>）上周大幅下跌了 10%。尽管股价较最高点下跌了 74%，SoFi 仍然展现出强劲的财务健康状况，但市场似乎继续关注公司面临的挑战。</p>
<p>事实上，宏观环境正在发生变化，投资者有很多理由长期看好金融科技行业。金融服务（线上和线下）的增长，以及潜在的降息可能会推动线上借贷活动，并鼓励更多债务人与最值得信赖的合作伙伴进行贷款再融资。</p>
<p>美国银行业主要由 <strong>摩根大通</strong>（纽约证券交易所：<strong>JPM</strong>）、<strong>富国银行</strong>（纽约证券交易所：<strong>WFC</strong>）和 <strong>美国银行</strong>（纽约证券交易所：<strong>BAC</strong>）等大型金融机构主导。这三家银行共服务 2.18 亿客户。新兴的小型银行在市场竞争中更加困难，但 SoFi 是在线借贷领域的领军者之一。上周，作家 David Moadel 讨论了 SoFi 的成功，我不得不同意他的许多观点。</p>
<p>值得注意的是，SoFi 的会员增长强劲，上个季度新增了 64.3 万名会员，推动了其金融服务业务收入激增 80%。股价在利率波动中仍然波动，但以下是 SoFi 看起来走在正确道路上的一些主要原因。</p>
<h2>Q2 财报超出预期</h2>
<p>在 SoFi 的 2024 年第二季度，公司令人印象深刻地超出了预期，录得 5.97 亿美元的营收和 1700 万美元的净利润。此外，正如前面提到的，SoFi 还新增了 64.3 万名新会员和超过 10 万种新产品。所有业务板块都实现了盈利，这对许多投资者来说变得越来越重要。</p>
<p>第二季度，SoFi 的借贷收入同比增长了 3%，扭转了第一季度的下滑趋势。个人、学生和房屋贷款发放激增，而公司的金融服务业务部门收入增长 80%，产品增长 39%。SoFi 的非借贷服务，现在是更大的收入来源，同比增长 46%。</p>
<p>SoFi 预计到 2026 年营收增长 17.6%，并旨在第三季度实现 6.25 亿至 6.45 亿美元的营收，全年营收为 24.2 亿至 24.6 亿美元。尽管取得了令人印象深刻的成绩，SoFi 的股价仍然低于每股 10 美元，为潜在未来增长提供了购买机会。</p>
<h2>SoFi 持续创新</h2>
<p>SoFi 还推出了新功能，如与 Zelle 的集成转账和 SoFi Plus 高级会员计划会员 10% 的返现。公司的资产管理同比增长了 58%，利用了新的投资工具和另类资产。其投资平台的易用性和一键转账功能增强了其吸引力。</p>
<p>SoFi 的管理团队将其技术平台视为金融服务的 “AWS”，扩大了其 B2B 业务。尽管股价的涨幅可能受到利率下降的限制，但 SoFi 具有重要的长期潜力。现在它正在经历戏剧性增长，SoFi 正在成为美国最佳金融机构之一，这使得该股对于愿意承担短期波动风险的投资者来说是一个买入机会。</p>
<p>此外，公司推广其全面的数字金融平台，现在提供各种产品，包括信用卡、投资和贷款。SoFi 的平均存款利率为 4.24%，旨在超越传统银行。</p>
<p>这一战略导致会员同比增长 40%，达到 877 万，存款达 210 亿美元。自 2022 年初获得银行牌照以来，SoFi 的增长引人注目，大幅提升了其借贷业务。</p>
<h2>现在购买 SOFI</h2>
<p>7 月，SoFi 股票和银行股因预期利率下降而大涨。银行受益于较高利率，但在利率上涨时面临挑战。SoFi 作为数字化和快速增长的公司，对利率变化更为敏感，比传统银行更具反应性。其估值依赖于强劲的增长和稳定性，使其对经济新闻更为敏感。</p>
<p>尽管公司看到了成功的第二季度报告，但股价今年迄今几乎下跌了 25%。公司多元化的收入模式和向金融服务领域转型，现在占收入的 45%，预示着未来的稳定性。尽管股价尚未上涨，但它提供了一个潜在的购买机会，未来两年有望获得显著收益。</p>
<p>_在本文发布日期，Chris MacDonald 没有持有（直接或间接）本文提到的证券的任何头寸。本文中表达的观点属于作者个人，遵守 InvestorPlace.com 的发布准则。</p>
<p>_在本文发布日期，负责编辑没有持有（直接或间接）本文提到的证券的任何头寸。</p>
<p>Chris MacDonald 对投资的热爱促使他攻读金融 MBA 学位，并在过去 15 年中担任过多个企业金融和风险投资管理职位。他过去作为金融分析师的经验，加上他对发现被低估增长机会的热情，形成了他保守、长期投资的观点。</p>
<p>金融、金融科技</p>
<p>成长股</p>

SOFI

<p>金融科技公司 SoFi Technologies 在最近的财报中表现强劲，超过市场预期，但股价下跌了 10%。该公司的会员数量和收入均呈现显著增长，持续推出新功能和产品。随着潜在的利率下调和宏观环境的变化，SoFi 似乎在迈向长期成功的正确道路上。尽管股价仍然低于每股 10 美元，但对投资者而言，这是一个购买机会</p>

<p>Surpassing market estimates with its most recent earnings report, fintech company <strong>SoFi Technologies</strong>(NASDAQ: <strong>SOFI</strong>) saw a steep 10% decline last week. Despite trading 74% below its peak, SoFi continues to showcase strong financial health, though the market appears to continue to focus on the company’s headwinds.</p>
<div class="lb-trans"><p>最近的财报超过市场预期，金融科技公司 <strong>SoFi Technologies</strong>（纳斯达克：<strong>SOFI</strong>）上周大幅下跌了 10%。尽管股价较最高点下跌了 74%，SoFi 仍然展现出强劲的财务健康状况，但市场似乎继续关注公司面临的挑战。</p>
</div><p>The reality is there is a shifting macro landscape and plenty of reasons for investors to be bullish on the fintech sector long-term. Growth in financial services (both online and offline), as well as potential interest rate cuts, could boost online lending activity and encourage more debtors to refinance their loans with the most trusted partners.</p>
<div class="lb-trans"><p>事实上，宏观环境正在发生变化，投资者有很多理由长期看好金融科技行业。金融服务（线上和线下）的增长，以及潜在的降息可能会推动线上借贷活动，并鼓励更多债务人与最值得信赖的合作伙伴进行贷款再融资。</p>
</div><p>The American banking sector is mostly dominated by big finance names like <strong>JPMorgan Chase</strong> (NYSE: <strong>JPM</strong>), <strong>Wells Fargo</strong> (NYSE: <strong>WFC</strong>) and <strong>Bank of America</strong> (NYSE: <strong>BAC</strong>). All three service a combined 218 million customers. New smaller banks have harder times competing in the market but SoFi is among the leaders in the online lending space. Last week, writer David Moadel discussed SoFi’s successes, and I have to agree with many of his points.</p>
<div class="lb-trans"><p>美国银行业主要由 <strong>摩根大通</strong>（纽约证券交易所：<strong>JPM</strong>）、<strong>富国银行</strong>（纽约证券交易所：<strong>WFC</strong>）和 <strong>美国银行</strong>（纽约证券交易所：<strong>BAC</strong>）等大型金融机构主导。这三家银行共服务 2.18 亿客户。新兴的小型银行在市场竞争中更加困难，但 SoFi 是在线借贷领域的领军者之一。上周，作家 David Moadel 讨论了 SoFi 的成功，我不得不同意他的许多观点。</p>
</div><p>Most notably, SoFi has seen strong membership growth, adding 643,000 new members this past quarter which drove an 80% revenue surge in its financial services segment. The stock remains volatile amid fluctuating interest rates, but here are some top reasons why SoFi appears to be on the right track.</p>
<div class="lb-trans"><p>值得注意的是，SoFi 的会员增长强劲，上个季度新增了 64.3 万名会员，推动了其金融服务业务收入激增 80%。股价在利率波动中仍然波动，但以下是 SoFi 看起来走在正确道路上的一些主要原因。</p>
</div><h2>Q2 Earnings Surpassed Estimates</h2>
<div class="lb-trans"><h2>Q2 财报超出预期</h2>
</div><p>During SoFi’s Q2 2024, the company impressively exceeded estimates, recording revenue of $597 million and net income of $17 million. Additionally, as previously mentioned, SoFi also added 643,000 new members and over 100,000 new products. All segments posted profits, something that has become increasingly important for many investors in this space.</p>
<div class="lb-trans"><p>在 SoFi 的 2024 年第二季度，公司令人印象深刻地超出了预期，录得 5.97 亿美元的营收和 1700 万美元的净利润。此外，正如前面提到的，SoFi 还新增了 64.3 万名新会员和超过 10 万种新产品。所有业务板块都实现了盈利，这对许多投资者来说变得越来越重要。</p>
</div><p>In Q2, SoFi’s lending revenue grew 3% year-over-year, reversing Q1’s decline. Personal, student and home loan originations surged, while the company’s financial services segment saw an 80% revenue increase and 39% growth in products. SoFi’s non-lending services, now a larger revenue driver, rose 46% year-over-year.</p>
<div class="lb-trans"><p>第二季度，SoFi 的借贷收入同比增长了 3%，扭转了第一季度的下滑趋势。个人、学生和房屋贷款发放激增，而公司的金融服务业务部门收入增长 80%，产品增长 39%。SoFi 的非借贷服务，现在是更大的收入来源，同比增长 46%。</p>
</div><p>SoFi projects 17.6% revenue growth by 2026 and aims for Q3 revenue of $625 million to $645 million and full-year revenue of $2.42 million to $2.46 billion. Despite impressive results, SoFi’s stock remains below $10 per share, offering a buying opportunity before potential future increases.</p>
<div class="lb-trans"><p>SoFi 预计到 2026 年营收增长 17.6%，并旨在第三季度实现 6.25 亿至 6.45 亿美元的营收，全年营收为 24.2 亿至 24.6 亿美元。尽管取得了令人印象深刻的成绩，SoFi 的股价仍然低于每股 10 美元，为潜在未来增长提供了购买机会。</p>
</div><h2>SoFi Continues to Innovate</h2>
<div class="lb-trans"><h2>SoFi 持续创新</h2>
</div><p>SoFi also launched new features like integration with Zelle through transfers and a 10% cashback for members of the SoFi Plus premium membership program. The company’s assets under management surged 58% year-over-year with the use of new investment tools and alternative assets. The ease of use and one-click transfers on its investing platform enhances its appeal.</p>
<div class="lb-trans"><p>SoFi 还推出了新功能，如与 Zelle 的集成转账和 SoFi Plus 高级会员计划会员 10% 的返现。公司的资产管理同比增长了 58%，利用了新的投资工具和另类资产。其投资平台的易用性和一键转账功能增强了其吸引力。</p>
</div><p>SoFi’s management team envisions its tech platform as the “AWS of financial services,” expanding its B2B operations. While stock gains may be limited until interest rates fall, SoFi has significant long-term potential. Now that it’s seeing dramatic growth, SoFi is becoming one of the best U.S. financial institutions, making the stock a buy for investors willing to take a risk with short-term volatility.</p>
<div class="lb-trans"><p>SoFi 的管理团队将其技术平台视为金融服务的 “AWS”，扩大了其 B2B 业务。尽管股价的涨幅可能受到利率下降的限制，但 SoFi 具有重要的长期潜力。现在它正在经历戏剧性增长，SoFi 正在成为美国最佳金融机构之一，这使得该股对于愿意承担短期波动风险的投资者来说是一个买入机会。</p>
</div><p>Moreover, the company markets its comprehensive digital finance platform and it now offers a wide range of products. Such include credit cards, investments and loans. With an average deposit interest rate of 4.24%, SoFi aims to outshine traditional banks.</p>
<div class="lb-trans"><p>此外，公司推广其全面的数字金融平台，现在提供各种产品，包括信用卡、投资和贷款。SoFi 的平均存款利率为 4.24%，旨在超越传统银行。</p>
</div><p>This strategy has led to a 40% year-over-year increase in membership, reaching 8.77 million, and $21 billion in deposits. Since acquiring its banking license in early 2022, SoFi’s growth has been notable, boosting its lending business significantly.</p>
<div class="lb-trans"><p>这一战略导致会员同比增长 40%，达到 877 万，存款达 210 亿美元。自 2022 年初获得银行牌照以来，SoFi 的增长引人注目，大幅提升了其借贷业务。</p>
</div><h2>Buy SOFI Now</h2>
<div class="lb-trans"><h2>现在购买 SOFI</h2>
</div><p>In July, SoFi stock and bank stocks surged on expectations of falling interest rates. Banks benefit from higher rates but face challenges with rate hikes. SoFi, being digital and rapidly growing, is more sensitive to interest rate changes than traditional banks. Its valuation relies on strong growth and stability, making it more reactive to economic news.</p>
<div class="lb-trans"><p>7 月，SoFi 股票和银行股因预期利率下降而大涨。银行受益于较高利率，但在利率上涨时面临挑战。SoFi 作为数字化和快速增长的公司，对利率变化更为敏感，比传统银行更具反应性。其估值依赖于强劲的增长和稳定性，使其对经济新闻更为敏感。</p>
</div><p>Although the company saw a successful Q2 report, the stock nearly fell 25% year-to-date. The company’s diverse revenue model and pivot towards financial services, now 45% of revenue, suggest future stability. Although the stock hasn’t risen, it presents a potential buying opportunity, with prospects for significant gains in the next two years.</p>
<div class="lb-trans"><p>尽管公司看到了成功的第二季度报告，但股价今年迄今几乎下跌了 25%。公司多元化的收入模式和向金融服务领域转型，现在占收入的 45%，预示着未来的稳定性。尽管股价尚未上涨，但它提供了一个潜在的购买机会，未来两年有望获得显著收益。</p>
</div><p><em>On the date of publication, Chris MacDonald did not hold (either directly or indirectly) any positions in the securities mentioned in this article. The opinions expressed in this article are those of the writer, subject to the InvestorPlace.com Publishing Guidelines</em>.</p>
<div class="lb-trans"><p>_在本文发布日期，Chris MacDonald 没有持有（直接或间接）本文提到的证券的任何头寸。本文中表达的观点属于作者个人，遵守 InvestorPlace.com 的发布准则。</p>
</div><p><em>On the date of publication, the responsible editor did not have (either directly or indirectly) any positions in the securities mentioned in this article.</em></p>
<div class="lb-trans"><p>_在本文发布日期，负责编辑没有持有（直接或间接）本文提到的证券的任何头寸。</p>
</div><p>Chris MacDonald’s love for investing led him to pursue an MBA in Finance and take on a number of management roles in corporate finance and venture capital over the past 15 years. His experience as a financial analyst in the past, coupled with his fervor for finding undervalued growth opportunities, contribute to his conservative, long-term investing perspective.</p>
<div class="lb-trans"><p>Chris MacDonald 对投资的热爱促使他攻读金融 MBA 学位，并在过去 15 年中担任过多个企业金融和风险投资管理职位。他过去作为金融分析师的经验，加上他对发现被低估增长机会的热情，形成了他保守、长期投资的观点。</p>
</div><p>Financial, Fintech</p>
<div class="lb-trans"><p>金融、金融科技</p>
</div><p>Growth Stocks</p>
<div class="lb-trans"><p>成长股</p>
</div>

为什么 SoFi Tech 可能是现在值得购买的金融科技股票