<p>几十年来，银行业主要由实体金融机构组成，这些机构满足您的金融需求——从贷款到财务规划、储蓄账户等。</p>
<p>然而，近年来，一些公司试图通过数字化金融服务体验来颠覆传统银行业的 incumbents。其中一家引领这一运动的公司是 <strong>SoFi Technologies</strong>(SOFI -3.07%)。</p>
<p>SoFi 建立了一个一站式平台，提供多种金融产品，具有数字原生特性。该平台上有 1090 万用户，收入加速增长，利润率扩大，SoFi 已成为金融科技领域最热门的名字之一。</p>
<p>尽管今年迄今为止股价已上涨 42%，我仍然认为 SoFi 股票是一个值得大力购买的机会。让我们探讨两个可能进一步增强 SoFi 业务的有利因素，使其成为当前一个引人注目的机会。</p>
<h2>1. 加密货币正在卷土重来</h2>
<p>SoFi 通过其应用程序提供的服务之一是投资资本市场。该公司曾一度利用这一功能，允许用户投资加密货币市场。</p>
<p>然而，加密行业长期以来受到不确定的监管环境的困扰。此外，有人认为，加密等投机性资产与 SoFi 的其他传统金融服务并不完全一致。出于这些原因，SoFi 最终停止了其加密货币服务。</p>
<p>根据最近的公告，该公司现在正在进行 180 度的转变，SoFi 正在重新进入加密货币领域。我认为 SoFi 决定重返加密市场背后有几个驱动因素。</p>
<p>首先，<strong>Robinhood</strong> 做出了一个明确的决定，将加密货币作为其生态系统的核心部分。在 SoFi 宣布加密货币的同时，Robinhood 向投资者透露，它在某些地区提供代币化股票。</p>
<p>鉴于 Robinhood 和 SoFi 都吸引年轻人群体，我认为这两家公司加密货币公告的时机并非巧合。简单来说，SoFi 不能错过更广泛的加密机会，也不能将这一业务拱手让给 Robinhood。</p>
<p>此外，其他新兴银行如 <strong>Chime</strong> 也与 SoFi 直接竞争，因为它们提供许多相同的基本贷款和投资服务。我认为 SoFi 决定提供加密产品不仅仅是为了与竞争平台区分开来。</p>
<p>最后，SoFi 的银行特许经营使其在其他数字原生金融服务企业中具有优势。作为一家银行，SoFi 的加密基础设施远远超出了交易。例如，该公司具有财务灵活性，可以探索稳定币、数字资产贷款以及其他使用区块链技术的工具等领域。</p>
<p>通过将加密货币引入 SoFi 生态系统，该公司现在有更多机会在现有用户中推动交叉销售，并利用这些新服务作为战略客户获取的来源。最终，SoFi 的新加密计划为未来的进一步增长奠定了基础。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MjU4NTUvZ2V0dHlpbWFnZXMtMTMwNDQ1OTkxNC0zLmpwZyZ3PTcwMA?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://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MjU4NTUvZ2V0dHlpbWFnZXMtMTMwNDQ1OTkxNC0zLmpwZyZ3PTcwMA"/></p>
<p>图片来源：Getty Images。</p>
<h2>2. 美联储政策可能有助于贷款业务</h2>
<p>SoFi 的核心业务是其贷款平台，占公司净收入的超过一半。尽管美联储关于货币政策的决定仍然高度保密，但许多经济学家预测不久的将来将会再次降息。</p>
<p>乍一看，利率的降低似乎对 SoFi 是一个逆风。这一举措将压缩利润率，并可能抑制盈利能力。然而，SoFi 的业务更加多元化，并不完全依赖于贷款产品。</p>
<p>如果美联储确实降低利率，我不会感到惊讶，看到其学生贷款、商业贷款和抵押贷款业务的再融资活动复苏。较低的利率也可能激励消费者支出和借贷活动的增加。这些动态使 SoFi 能够将其贷款服务作为进入其金融生态系统中其他产品的门户。</p>
<p>这里的主要观点是，降低利率应该会释放消费者的流动性，这些流动性可以重新投入到投资等其他领域。因此，尽管较低的净利差可能会降低每笔贷款的单位经济，但 SoFi 仍有独特的机会通过保持用户参与并为他们提供一系列其他金融服务来提升盈利能力——最终为持续的长期增长奠定基础。</p>

SOFI

<p>SoFi Technologies 在金融科技领域引起了关注，拥有 1090 万用户和不断增长的收入。该公司正在重新进入加密货币市场，以与 Robinhood 等平台竞争，利用其银行特许经营权提供更优质的服务。此外，潜在的美联储降息可能会促进 SoFi 的贷款业务，推动再融资和消费者支出，这可能通过交叉销售金融产品来提高盈利能力。总体而言，这些因素使 SoFi 成为一个引人注目的投资机会</p>

<p>For several decades, the banking industry was largely comprised of brick-and-mortar financial institutions that take care of your financial needs -- from lending to financial planning, savings accounts, and more.</p>
<div class="lb-trans"><p>几十年来，银行业主要由实体金融机构组成，这些机构满足您的金融需求——从贷款到财务规划、储蓄账户等。</p>
</div><p>In recent years, however, a number of companies have sought to disrupt legacy banking incumbents by digitizing the financial services experience. One company pioneering this movement is <strong>SoFi Technologies</strong>(SOFI -3.07%).</p>
<div class="lb-trans"><p>然而，近年来，一些公司试图通过数字化金融服务体验来颠覆传统银行业的 incumbents。其中一家引领这一运动的公司是 <strong>SoFi Technologies</strong>(SOFI -3.07%)。</p>
</div><p>SoFi has built a one-stop shop with a digitally native platform that offers customers a variety of financial products. With 10.9 million users on the platform, accelerating revenue, and widening profit margins, SoFi has emerged as one of the hottest names in the fintech sector.</p>
<div class="lb-trans"><p>SoFi 建立了一个一站式平台，提供多种金融产品，具有数字原生特性。该平台上有 1090 万用户，收入加速增长，利润率扩大，SoFi 已成为金融科技领域最热门的名字之一。</p>
</div><p>While shares have surged by 42% so far this year, I still see SoFi stock as a screaming buy. Let's explore two tailwinds that could further strengthen SoFi's business in the long run, making it a compelling opportunity right now.</p>
<div class="lb-trans"><p>尽管今年迄今为止股价已上涨 42%，我仍然认为 SoFi 股票是一个值得大力购买的机会。让我们探讨两个可能进一步增强 SoFi 业务的有利因素，使其成为当前一个引人注目的机会。</p>
</div><h2>1. Crypto is making a comeback</h2>
<div class="lb-trans"><h2>1. 加密货币正在卷土重来</h2>
</div><p>One of the services that SoFi offers through its app is investing in the capital markets. For some time, the company parlayed this feature by allowing users to invest in the cryptocurrency market as well.</p>
<div class="lb-trans"><p>SoFi 通过其应用程序提供的服务之一是投资资本市场。该公司曾一度利用这一功能，允许用户投资加密货币市场。</p>
</div><p>However, the crypto industry has long been plagued by an uncertain regulatory environment. Moreover, there were some arguments to be made that speculative assets such as crypto did not fully align with SoFi's other traditional financial services. For these reasons, SoFi eventually ended its crypto offerings.</p>
<div class="lb-trans"><p>然而，加密行业长期以来受到不确定的监管环境的困扰。此外，有人认为，加密等投机性资产与 SoFi 的其他传统金融服务并不完全一致。出于这些原因，SoFi 最终停止了其加密货币服务。</p>
</div><p>Per a recent announcement, the company is now doing a 180, and SoFi is reentering the crypto landscape. I think there are a few driving factors behind SoFi's decision to get back into crypto.</p>
<div class="lb-trans"><p>根据最近的公告，该公司现在正在进行 180 度的转变，SoFi 正在重新进入加密货币领域。我认为 SoFi 决定重返加密市场背后有几个驱动因素。</p>
</div><p>First, <strong>Robinhood</strong> has made a cognizant decision to make crypto a core part of its ecosystem. Around the same time as SoFi's crypto announcement, Robinhood revealed to investors that it is offering tokenized stocks in certain geographic regions.</p>
<div class="lb-trans"><p>首先，<strong>Robinhood</strong> 做出了一个明确的决定，将加密货币作为其生态系统的核心部分。在 SoFi 宣布加密货币的同时，Robinhood 向投资者透露，它在某些地区提供代币化股票。</p>
</div><p>Given that Robinhood and SoFi both appeal to younger demographics, I don't find the timing of each company's crypto announcements to be coincidental. Simply put, SoFi cannot afford to miss out on the broader crypto opportunity and cede this business to Robinhood.</p>
<div class="lb-trans"><p>鉴于 Robinhood 和 SoFi 都吸引年轻人群体，我认为这两家公司加密货币公告的时机并非巧合。简单来说，SoFi 不能错过更广泛的加密机会，也不能将这一业务拱手让给 Robinhood。</p>
</div><p>In addition, other neobanks such as <strong>Chime</strong> compete head-to-head with SoFi in that they offer many of the same basic lending and investment services. I see SoFi's decision to offer crypto products as more than a simple differentiator from competing platforms.</p>
<div class="lb-trans"><p>此外，其他新兴银行如 <strong>Chime</strong> 也与 SoFi 直接竞争，因为它们提供许多相同的基本贷款和投资服务。我认为 SoFi 决定提供加密产品不仅仅是为了与竞争平台区分开来。</p>
</div><p>Lastly, SoFi's bank charter gives the company an edge over other digitally native financial services businesses. As a bank, SoFi's crypto infrastructure goes well beyond trading. For instance, the company has the financial flexibility to explore areas such as stablecoins, digital asset lending, and other tools that use blockchain technology.</p>
<div class="lb-trans"><p>最后，SoFi 的银行特许经营使其在其他数字原生金融服务企业中具有优势。作为一家银行，SoFi 的加密基础设施远远超出了交易。例如，该公司具有财务灵活性，可以探索稳定币、数字资产贷款以及其他使用区块链技术的工具等领域。</p>
</div><p>By introducing crypto to the SoFi ecosystem, the company now has even more opportunities to drive cross-selling among its existing users, and use these new services as a source of strategic customer acquisition. Ultimately, SoFi's new crypto initiative helps set the stage for even further growth down the road.</p>
<div class="lb-trans"><p>通过将加密货币引入 SoFi 生态系统，该公司现在有更多机会在现有用户中推动交叉销售，并利用这些新服务作为战略客户获取的来源。最终，SoFi 的新加密计划为未来的进一步增长奠定了基础。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MjU4NTUvZ2V0dHlpbWFnZXMtMTMwNDQ1OTkxNC0zLmpwZyZ3PTcwMA" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F825855%2Fgettyimages-1304459914-3.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>图片来源：Getty Images。</p>
</div><h2>2. Federal Reserve policies could help the lending business</h2>
<div class="lb-trans"><h2>2. 美联储政策可能有助于贷款业务</h2>
</div><p>SoFi's bread and butter is its lending platform, which accounts for more than half of the company's net revenue. While the Federal Reserve's decisions pertaining to monetary policy remain under tight wraps, many economists are forecasting another interest rate cut in the not-too-distant future.</p>
<div class="lb-trans"><p>SoFi 的核心业务是其贷款平台，占公司净收入的超过一半。尽管美联储关于货币政策的决定仍然高度保密，但许多经济学家预测不久的将来将会再次降息。</p>
</div><p>At first glance, a reduction to interest rates may appear to be a headwind for SoFi. Such a move would compress margins and potentially stifle profitability. However, SoFi is far more diversified and not entirely reliant on lending products.</p>
<div class="lb-trans"><p>乍一看，利率的降低似乎对 SoFi 是一个逆风。这一举措将压缩利润率，并可能抑制盈利能力。然而，SoFi 的业务更加多元化，并不完全依赖于贷款产品。</p>
</div><p>If the Fed does reduce rates, I wouldn't be surprised to see a resurgence in refinancing activity across its student, business, and mortgage loan operations. Lower rates may also inspire an uptick in consumer spending and borrowing activity. These dynamics allow SoFi to parlay its lending services as a gateway into other products across its financial ecosystem.</p>
<div class="lb-trans"><p>如果美联储确实降低利率，我不会感到惊讶，看到其学生贷款、商业贷款和抵押贷款业务的再融资活动复苏。较低的利率也可能激励消费者支出和借贷活动的增加。这些动态使 SoFi 能够将其贷款服务作为进入其金融生态系统中其他产品的门户。</p>
</div><p>The big idea here is that reducing interest rates should free up liquidity from consumers, which can then be redeployed into other areas such as investing. So while lower net interest spreads can lower the unit economics on a per-loan basis, SoFi has a unique opportunity to still boost profitability by keeping users engaged and offering them a host of other financial services -- ultimately laying the foundation for sustained, long-term growth.</p>
<div class="lb-trans"><p>这里的主要观点是，降低利率应该会释放消费者的流动性，这些流动性可以重新投入到投资等其他领域。因此，尽管较低的净利差可能会降低每笔贷款的单位经济，但 SoFi 仍有独特的机会通过保持用户参与并为他们提供一系列其他金融服务来提升盈利能力——最终为持续的长期增长奠定基础。</p>
</div>

2 Reasons to Buy SoFi Stock Hand Over Fist Right Now

- SoFi Technologies 通过数字平台提供多种金融产品，用户达 10.9 百万。  
- 公司重新进入加密货币市场，以应对竞争对手 Robinhood 的策略。  
- 美联储可能降息，促进再融资和消费支出，助力 SoFi 的长期增长。  

现在立即大量买入 SoFi 股票的两个原因