<ul>
<li>SOFI 股票可能还有更多的涨幅。</li>
<li>经济背景看起来对 SoFi 的增长更加有利。</li>
<li>公司的各个业务板块似乎准备好表现得更好，并保持势头。</li>
<li>你在退休方面是领先还是落后？SmartAsset 的免费工具可以在几分钟内将你与财务顾问匹配，帮助你今天回答这个问题。每位顾问都经过严格审查，必须以你的最佳利益为重。不要再浪费时间；点击这里开始吧。(赞助)</li>
</ul>
<p><strong>SoFi Technologies</strong> (NASDAQ:SOFI) 是一家通过其在线平台销售服务的金融服务和科技公司。过去一年，该股票上涨超过 132%，但年初至今仅上涨 7.6%。然而，如果我们推测当前趋势和预期，2025 年剩余时间可能对 SOFI 股票更为有利。让我们看看该股票今年可能继续实现稳健增长的三个主要原因。</p>
<h2>降息</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/02/GettyImages-1975760653.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/02/GettyImages-1975760653.jpg"/></p>
<p>利率越低，对 SoFi 越有利。</p>
<p>SoFi Technologies 的大部分收入来自贷款。在 2024 财年，其 “贷款” 板块占所有运营收入的 55.5%，带来了 15 亿美元。第二大业务是金融服务，占 30.7%，其后是技术平台，占 14.8%。</p>
<p>金融服务板块是这里增长最快的，因为这是 SoFi 旨在成为一站式金融服务平台的关键。尽管如此，贷款板块可能会再次恢复势头。</p>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg"/></p>
<p>降息将是这里最大的积极催化剂。如果利率下降，SoFi 的净利息收入肯定会减少，但需求的增加应该会抵消这一点。SoFi Technologies 在超低利率环境下取得了巨大的成功，贷款业务的收入从 2020 年的 4.809 亿美元跃升至 2021 年的 7.383 亿美元。</p>
<p>当然，利率不太可能很快降到那种水平，但即使是小幅降息对 SoFi 也是净积极的。许多消费者一直在等待利率下降后再进行借贷。一旦美联储开始认真降息，这种被压抑的借贷需求可能会真正回归。</p>
<p>市场目前预计将在 9 月降息，随后可能在 10 月或 11 月再降息。由于特朗普政府的巨大压力以及数据显示尽管有关税，通货膨胀仍在持续下降，降息可能会更早到来。</p>
<h2>蓬勃发展的金融服务板块</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/07/imageForEntry1-UJ4.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/07/imageForEntry1-UJ4.jpg"/></p>
<p>该板块在 2025 年第一季度的收入同比翻了一番。</p>
<p>正如我之前所说，尽管利率较高，金融服务板块依然蓬勃发展。较低的利率可能会使增长进一步加速。即使不降息，势头也不太可能减弱。</p>
<p>该板块的收入从 2023 年的 4.365 亿美元增长到 2024 年的 8.215 亿美元。在 2020 年，该板块的收入仅为 1190 万美元。由于其金融服务生态系统的广度，该板块预计将成为 SoFi 最大的业务。它包括 SoFi Money、SoFi Invest 和 SoFi 信用卡。仅 2025 年第一季度，该板块就实现了 3.03 亿美元的收入。</p>
<p>SoFi 预计该板块的收入将在今年增长 60% 至 65%。你应该记住，这是高利润率的收入，华尔街喜欢能够实现高销售增长和双位数利润率的企业。该板块的贡献利润率在第一季度为 49%，高于 2024 年的 25%。利润率只有一半且收入增长在 20% 至 30% 之间的公司在市场上交易时的市销率通常超过 10 倍。</p>
<p>目前，投资者为 SOFI 股票支付的市销率略高于 6 倍。这主要是由于贷款板块使 SoFi 的整体增长看起来较差，但华尔街正在迅速意识到其潜力。如果金融服务板块作为独立业务进行交易，可能价值约 100 亿至 150 亿美元（作为参考，SoFi 目前的估值为 167.2 亿美元）。这里的数字无疑是卓越的。</p>
<h2>华尔街也喜欢向上的势头</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/04/shutterstock-1454002997-huge-licensed-scaled.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/04/shutterstock-1454002997-huge-licensed-scaled.jpg"/></p>
<p>指导预期持续上升。</p>
<p>SoFi Technologies 一直在超越分析师的预期，并且定期提高其指导数字。在过去一年中，它超越了每一个收入和每股收益的预期，并且最近也提高了其指导。</p>
<p>在第一季度，它预计 2025 年全年净收入为 32.35 亿至 33.1 亿美元，而早前的指导为 32 亿至 32.75 亿美元。管理层还将其 EBITDA 指导上调至 8.75 亿至 8.95 亿美元，而之前的指导为 8.45 亿至 8.65 亿美元。</p>
<p>这些预期基于 “与远期曲线一致且略高于 1.5 次降息” 的利率展望，GDP 增长在 1% 至 2% 之间，失业率在 5% 左右。考虑到美联储最近的声明，这相当现实，甚至可能有些保守。美联储理事沃勒表示，利率可能最早在 7 月降息，尽管这不太可能。尽管如此，这强化了美联储将兑现其今年实施两次降息承诺的想法。</p>
<p>宏观经济数据迄今为止表现强劲，因此 SoFi 很有可能进一步提高指导。所有这些原因都表明，除非突然出现衰退，否则 SOFI 股票在 2025 年应该会表现出色。</p>
<p>这篇文章的标题为《SOFI 股票将在 2025 年剩余时间内大放异彩的三个原因》，最初发布在 24/7 Wall St.。</p>

SOFI

<p>SoFi Technologies（纳斯达克代码：SOFI）在过去一年中股价上涨超过 132%，预计在 2025 年将继续增长。关键因素包括可能的降息，这可能会推动其贷款业务的发展，该业务占其收入的一半以上。此外，金融服务部门的收入同比增长了一倍，并预计将显著增长。华尔街正在认识到 SoFi 高利润服务的潜力，这可能会导致股价进一步上涨</p>

<ul>
<li>More gains may still be ahead for SOFI stock.</li>
<li>The economic background looks much more conducive to SoFi’s growth.</li>
<li>The company’s segments seem poised to do much better and keep up the momentum.</li>
<li>Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; get started by clicking here.(Sponsor)</li>
</ul>
<div class="lb-trans"><ul>
<li>SOFI 股票可能还有更多的涨幅。</li>
<li>经济背景看起来对 SoFi 的增长更加有利。</li>
<li>公司的各个业务板块似乎准备好表现得更好，并保持势头。</li>
<li>你在退休方面是领先还是落后？SmartAsset 的免费工具可以在几分钟内将你与财务顾问匹配，帮助你今天回答这个问题。每位顾问都经过严格审查，必须以你的最佳利益为重。不要再浪费时间；点击这里开始吧。(赞助)</li>
</ul>
</div><p><strong>SoFi Technologies</strong> (NASDAQ:SOFI) is a financial services and technology company that sells services through its online platform. The stock is up over 132% over the past year, but it is up only 7.6% year-to-date. However, the rest of 2025 could be much better for SOFI stock if we extrapolate current trends and expectations. Let’s take a look at the three main reasons why the stock could continue delivering solid gains this year.</p>
<div class="lb-trans"><p><strong>SoFi Technologies</strong> (NASDAQ:SOFI) 是一家通过其在线平台销售服务的金融服务和科技公司。过去一年，该股票上涨超过 132%，但年初至今仅上涨 7.6%。然而，如果我们推测当前趋势和预期，2025 年剩余时间可能对 SOFI 股票更为有利。让我们看看该股票今年可能继续实现稳健增长的三个主要原因。</p>
</div><h2>Rate Cuts</h2>
<div class="lb-trans"><h2>降息</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/02/GettyImages-1975760653.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/02/GettyImages-1975760653.jpg"/></p>
<p>The lower the rates are, the better for SoFi.</p>
<div class="lb-trans"><p>利率越低，对 SoFi 越有利。</p>
</div><p>SoFi Technologies derives most of its revenue from lending. In FY 2024, its “Lending” segment constituted 55.5% of all operating revenue and brought in $1.5 billion. The second-biggest business was Financial Services at 30.7%, followed by Technology Platform at 14.8%.</p>
<div class="lb-trans"><p>SoFi Technologies 的大部分收入来自贷款。在 2024 财年，其 “贷款” 板块占所有运营收入的 55.5%，带来了 15 亿美元。第二大业务是金融服务，占 30.7%，其后是技术平台，占 14.8%。</p>
</div><p>The Financial Services segment has been the fastest grower here since this is the linchpin of SoFi’s aim of becoming the one-stop shop for all things finance. Regardless, the Lending segment could regain momentum once more.</p>
<div class="lb-trans"><p>金融服务板块是这里增长最快的，因为这是 SoFi 旨在成为一站式金融服务平台的关键。尽管如此，贷款板块可能会再次恢复势头。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg"/></p>
<p>Interest rate cuts would be the biggest positive catalyst here. SoFi would definitely see a reduction in net interest income if interest rates go down, but the increase in demand should offset that and then some. SoFi Technologies saw huge success during the ultra-low interest rate regime, and the Lending business saw its revenue jump from $480.9 million to $738.3 million in one year, from 2020 to 2021.</p>
<div class="lb-trans"><p>降息将是这里最大的积极催化剂。如果利率下降，SoFi 的净利息收入肯定会减少，但需求的增加应该会抵消这一点。SoFi Technologies 在超低利率环境下取得了巨大的成功，贷款业务的收入从 2020 年的 4.809 亿美元跃升至 2021 年的 7.383 亿美元。</p>
</div><p>Of course, it is unlikely that interest rates would go to those levels anytime soon, but even a small decrease in rates will be a net positive for SoFi. There are many consumers who have been waiting for interest rates to come down before borrowing. This pent-up demand for borrowing could return in earnest once the Federal Reserve starts seriously cutting rates.</p>
<div class="lb-trans"><p>当然，利率不太可能很快降到那种水平，但即使是小幅降息对 SoFi 也是净积极的。许多消费者一直在等待利率下降后再进行借贷。一旦美联储开始认真降息，这种被压抑的借贷需求可能会真正回归。</p>
</div><p>The market is currently pricing in a September rate cut, followed by another rate cut as early as October or November. An interest rate cut could come even earlier due to significant pressure from the Trump administration and the data showing that inflation has continued to go down despite tariffs.</p>
<div class="lb-trans"><p>市场目前预计将在 9 月降息，随后可能在 10 月或 11 月再降息。由于特朗普政府的巨大压力以及数据显示尽管有关税，通货膨胀仍在持续下降，降息可能会更早到来。</p>
</div><h2>The Booming Financial Services Segment</h2>
<div class="lb-trans"><h2>蓬勃发展的金融服务板块</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/07/imageForEntry1-UJ4.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2022/07/imageForEntry1-UJ4.jpg"/></p>
<p>This segment doubled its revenue year-over-year in Q1 2025.</p>
<div class="lb-trans"><p>该板块在 2025 年第一季度的收入同比翻了一番。</p>
</div><p>As I said before, the Financial Services segment has been booming, despite the higher interest rates. Lower rates could cause the growth to accelerate even more. Even if rate cuts don’t come, the momentum is unlikely to be dampened.</p>
<div class="lb-trans"><p>正如我之前所说，尽管利率较高，金融服务板块依然蓬勃发展。较低的利率可能会使增长进一步加速。即使不降息，势头也不太可能减弱。</p>
</div><p>The revenue from this segment has grown from $436.5 million in 2023 to $821.5 million in 2024. In 2020, the revenue from this segment was at a measly $11.9 million. This segment is expected to become SoFi’s largest due to the breadth of its financial services ecosystem. It includes SoFi Money, SoFi Invest, and the SoFi Credit Card. Q1 2025 alone saw this segment post $303 million in revenue.</p>
<div class="lb-trans"><p>该板块的收入从 2023 年的 4.365 亿美元增长到 2024 年的 8.215 亿美元。在 2020 年，该板块的收入仅为 1190 万美元。由于其金融服务生态系统的广度，该板块预计将成为 SoFi 最大的业务。它包括 SoFi Money、SoFi Invest 和 SoFi 信用卡。仅 2025 年第一季度，该板块就实现了 3.03 亿美元的收入。</p>
</div><p>SoFi expects this segment’s revenue to grow by 60% to 65% this year. You should keep in mind that this is high-margin revenue, and Wall Street loves businesses that can pull off high sales growth with double-digit margins. The contribution margin here was 49% in Q1, up from 25% in 2024. Companies with margins half as high and revenue growth around 20% to 30% trade well above 10 times sales on the market.</p>
<div class="lb-trans"><p>SoFi 预计该板块的收入将在今年增长 60% 至 65%。你应该记住，这是高利润率的收入，华尔街喜欢能够实现高销售增长和双位数利润率的企业。该板块的贡献利润率在第一季度为 49%，高于 2024 年的 25%。利润率只有一半且收入增长在 20% 至 30% 之间的公司在市场上交易时的市销率通常超过 10 倍。</p>
</div><p>Right now, investors are paying a bit over 6 times sales for SOFI stock. This is mainly due to the Lending segment making SoFi’s overall growth look worse, but Wall Street is quickly realizing the potential. The Financial Services segment on its own may have been worth around $10 billion to $15 billion (for context, all of SoFi is now valued at $16.72 billion) if it traded as a standalone business. The numbers here are nothing but stellar.</p>
<div class="lb-trans"><p>目前，投资者为 SOFI 股票支付的市销率略高于 6 倍。这主要是由于贷款板块使 SoFi 的整体增长看起来较差，但华尔街正在迅速意识到其潜力。如果金融服务板块作为独立业务进行交易，可能价值约 100 亿至 150 亿美元（作为参考，SoFi 目前的估值为 167.2 亿美元）。这里的数字无疑是卓越的。</p>
</div><h2>Wall Street Also Loves Upward Momentum</h2>
<div class="lb-trans"><h2>华尔街也喜欢向上的势头</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/04/shutterstock-1454002997-huge-licensed-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/04/shutterstock-1454002997-huge-licensed-scaled.jpg"/></p>
<p>The guidance keeps going up.</p>
<div class="lb-trans"><p>指导预期持续上升。</p>
</div><p>SoFi Technologies has been beating analyst estimates and has been increasing its guidance figures quite routinely. It has beaten every single revenue and EPS estimate in the past year, and it has also upped its guidance recently.</p>
<div class="lb-trans"><p>SoFi Technologies 一直在超越分析师的预期，并且定期提高其指导数字。在过去一年中，它超越了每一个收入和每股收益的预期，并且最近也提高了其指导。</p>
</div><p>In Q1, it expects net revenue of $3.235 billion to $3.31 billion for all of 2025, compared to an earlier guidance of $3.2 billion to $3.275 billion. Management also upped its EBITDA guidance to $875 million to $895 million vs. a prior guidance of $845 million to $865 million.</p>
<div class="lb-trans"><p>在第一季度，它预计 2025 年全年净收入为 32.35 亿至 33.1 亿美元，而早前的指导为 32 亿至 32.75 亿美元。管理层还将其 EBITDA 指导上调至 8.75 亿至 8.95 亿美元，而之前的指导为 8.45 亿至 8.65 亿美元。</p>
</div><p>These expectations are based on an interest outlook “consistent with the forward curve and just north of 1.5 rate cuts,” GDP growth of 1% to 2%, and an unemployment rate in the 5% range. It’s quite realistic, and perhaps even a bit conservative if you take recent statements from the Fed into account. Fed Governor Waller said that interest rates could be cut as early as July, though that’s unlikely. Still, this reinforces the idea that the Fed will make do on its promise of implementing two rate cuts this year.</p>
<div class="lb-trans"><p>这些预期基于 “与远期曲线一致且略高于 1.5 次降息” 的利率展望，GDP 增长在 1% 至 2% 之间，失业率在 5% 左右。考虑到美联储最近的声明，这相当现实，甚至可能有些保守。美联储理事沃勒表示，利率可能最早在 7 月降息，尽管这不太可能。尽管如此，这强化了美联储将兑现其今年实施两次降息承诺的想法。</p>
</div><p>The macroeconomic figures have been strong so far, so there is a good chance that SoFi will increase the guidance more. All of these reasons are why SOFI stock should see a blockbuster 2025, barring a sudden recession, of course.</p>
<div class="lb-trans"><p>宏观经济数据迄今为止表现强劲，因此 SoFi 很有可能进一步提高指导。所有这些原因都表明，除非突然出现衰退，否则 SOFI 股票在 2025 年应该会表现出色。</p>
</div><p>The post 3 Reasons SOFI Stock Is Going To Crush the Rest of 2025 appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>这篇文章的标题为《SOFI 股票将在 2025 年剩余时间内大放异彩的三个原因》，最初发布在 24/7 Wall St.。</p>
</div>

SOFI 股票将在 2025 年剩余时间内表现优异的 3 个原因