<p><strong>SoFi</strong>（SOFI -2.48%）最近成为市场上最热门的股票之一，过去六个月股价上涨了 137%。但有一些很好的理由说明现在投资 SoFi 并不算晚。</p>
<h2>仍然有很多理由喜欢 SoFi</h2>
<p>关于 SoFi 有很多值得关注的地方。仅举几个你可能仍然想投资 SoFi 的理由：</p>
<ul>
<li>动力依然强劲。在最近一个季度，SoFi 的用户基础同比增长了 35%。</li>
<li>SoFi 在信用卡方面具有巨大的潜力。到目前为止，它的三张信用卡并没有特别独特，但其相对富裕的客户基础创造了一些有趣的可能性。</li>
<li>随着特朗普政府不支持学生贷款减免，这可能为 SoFi 的学生贷款再融资业务创造机会。</li>
<li>SoFi 大约在一年前实现了盈利，并预计未来几年每股收益将大幅上升。</li>
<li>SoFi 的信用质量正在改善。其新贷款在信用损失方面显著优于旧贷款。</li>
<li>SoFi 已开始强调其第三方个人贷款发放业务，这创造了一条无风险的高利润费用收入来源。</li>
<li>自 2022 年以来，SoFi 的银行存款从 0 增长到超过 240 亿美元。考虑到它尚未提供定期存款或货币市场账户，仍然有很大的增长空间。</li>
</ul>
<h2>仍然有时间的最大理由</h2>
<p>SoFi 现在几乎拥有足够的存款来资助其整个贷款组合。然而，由于利率仍然较高，SoFi 的平均存款成本约为 4.2%。随着美联储降低利率，这一数字应该会相应下降。考虑到 SoFi 的平均贷款收益为 9.35%，较低的存款成本可能会导致优秀的利润扩张。</p>
<p>对 2025 年美联储降息的预期较为温和。因此，现在可能是仔细观察的好时机，以便在利率进一步下降之前做出决策。</p>

SOFI

<p>SoFi (SOFI) 在过去六个月中股价上涨了 137%，现在投资的理由十分 compelling。该公司用户基础同比增长了 35%，在信用卡和学生贷款再融资方面具有显著潜力。SoFi 已经实现盈利，并预计每股收益将大幅增长。由于几乎有足够的存款来支持其贷款组合，潜在的美联储降息可能会降低存款成本，从而提高利润率。投资者可能希望在利率进一步下降之前考虑 SoFi</p>

<p><strong>SoFi</strong>(SOFI -2.48%) has been one of the hottest stocks in the market recently, with shares up by 137% in the past six months. But there are some good reasons it isn't too late to invest in SoFi.</p>
<div class="lb-trans"><p><strong>SoFi</strong>（SOFI -2.48%）最近成为市场上最热门的股票之一，过去六个月股价上涨了 137%。但有一些很好的理由说明现在投资 SoFi 并不算晚。</p>
</div><h2>Many reasons to still love SoFi</h2>
<div class="lb-trans"><h2>仍然有很多理由喜欢 SoFi</h2>
</div><p>There's a lot to like about SoFi. Just to name a few reasons you still may want to invest in SoFi:</p>
<div class="lb-trans"><p>关于 SoFi 有很多值得关注的地方。仅举几个你可能仍然想投资 SoFi 的理由：</p>
</div><ul>
<li>Momentum is still strong. In the most recent quarter, SoFi's user base grew by 35% year over year.</li>
<li>SoFi has massive potential in credit cards. None of its three credit cards are particularly unique so far, but its generally affluent customer base creates some interesting possibilities.</li>
<li>With the incoming Trump administration not in favor of student loan forgiveness, it could create an opportunity for SoFi's student loan refinancing business.</li>
<li>SoFi just turned profitable about a year ago and expects its EPS to rise substantially over the next few years.</li>
<li>SoFi's credit quality is improving. Its newer loans are significantly outperforming its older ones in terms of credit losses.</li>
<li>SoFi has started to emphasize its third-party personal loan origination business, which creates a risk-free stream of high-margin fee income.</li>
<li>SoFi's bank has grown from $0 to over $24 billion in deposits since 2022. It still could have tons of room to grow, especially considering it doesn't offer CDs or money market accounts yet.</li>
</ul>
<div class="lb-trans"><ul>
<li>动力依然强劲。在最近一个季度，SoFi 的用户基础同比增长了 35%。</li>
<li>SoFi 在信用卡方面具有巨大的潜力。到目前为止，它的三张信用卡并没有特别独特，但其相对富裕的客户基础创造了一些有趣的可能性。</li>
<li>随着特朗普政府不支持学生贷款减免，这可能为 SoFi 的学生贷款再融资业务创造机会。</li>
<li>SoFi 大约在一年前实现了盈利，并预计未来几年每股收益将大幅上升。</li>
<li>SoFi 的信用质量正在改善。其新贷款在信用损失方面显著优于旧贷款。</li>
<li>SoFi 已开始强调其第三方个人贷款发放业务，这创造了一条无风险的高利润费用收入来源。</li>
<li>自 2022 年以来，SoFi 的银行存款从 0 增长到超过 240 亿美元。考虑到它尚未提供定期存款或货币市场账户，仍然有很大的增长空间。</li>
</ul>
</div><h2>The biggest reason there's still time</h2>
<div class="lb-trans"><h2>仍然有时间的最大理由</h2>
</div><p>SoFi now has nearly enough deposits to fund its entire loan book. However, with interest rates still high, SoFi's average deposit cost is about 4.2%. As the Federal Reserve lowers rates, this figure should come down accordingly. With SoFi's average loan earning 9.35%, a lower deposit cost could lead to excellent margin expansion.</p>
<div class="lb-trans"><p>SoFi 现在几乎拥有足够的存款来资助其整个贷款组合。然而，由于利率仍然较高，SoFi 的平均存款成本约为 4.2%。随着美联储降低利率，这一数字应该会相应下降。考虑到 SoFi 的平均贷款收益为 9.35%，较低的存款成本可能会导致优秀的利润扩张。</p>
</div><p>Expectations for Fed rate cuts in 2025 are mild. So now could be a great time to take a closer look before rates fall any further.</p>
<div class="lb-trans"><p>对 2025 年美联储降息的预期较为温和。因此，现在可能是仔细观察的好时机，以便在利率进一步下降之前做出决策。</p>
</div>

Think It's Too Late to Buy SoFi? Here's the Biggest Reason There's Still Time.

- SoFi 股价在过去六个月上涨了 137%。  
- 用户基础同比增长 35%，信用卡业务潜力巨大。  
- 预计未来几年的每股收益将大幅上升。  

认为现在购买 SoFi 太晚了吗？这里有一个最大的理由说明仍然有时间