<p><strong>SoFi</strong>(SOFI 7.12%) 最近是金融行业表现最好的股票之一。在过去一年中，这家银行颠覆者的股票价格大约翻了三倍，快速浏览 SoFi 最新的业绩可以让我们明白原因所在。</p>
<p>首先，自 2021 年底以来，SoFi 的会员基础不仅增长了三倍，而且在最新的季度中增加了 846,000 名会员——这是其历史最高水平。</p>
<p>收入增长率为 44%，是 SoFi 自 2022 年以来的最高增长率。不仅如此，盈利能力也在迅速朝着正确的方向发展。SoFi 的调整后 EBITDA 利润率从三年前的 9% 稳步增长至今天的 29%，并且自 2023 年底以来公司已实现正净收入。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzAyMDEvc3RvY2stdHJhZGVycy0yMDI1LmpwZyZ3PTcwMA?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-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzAyMDEvc3RvY2stdHJhZGVycy0yMDI1LmpwZyZ3PTcwMA"/></p>
<p>图片来源：Getty Images。</p>
<h2>SoFi 仍然是值得购买的最佳金融股票之一的一个理由</h2>
<p>坦率地说，SoFi 是我在金融行业最大的投资，仍然有很多好的理由说明它是一只优秀的长期投资股票。例如，快速增长的贷款平台代表第三方银行发放贷款，正在创造一条不断增长的高利润手续费收入流。今年晚些时候，加密货币交易的回归也可能成为一个重要的催化剂。</p>
<p>然而，常常被忽视的一个方面是 SoFi 的其他贷款领域——学生贷款和住房贷款。</p>
<p>由于联邦贷款偿还暂停和更多贷款减免的承诺，私人学生贷款业务在疫情期间几乎停滞不前。现在，随着学生贷款利息和还款的恢复，SoFi 的学生贷款再融资业务可能会飙升。事实上，SoFi 在第二季度的学生贷款量比两年前增长了 152%。</p>
<p>住房贷款是一个更有趣的组成部分。尽管利率持续高企，SoFi 在第二季度的住房贷款业务同比增长了 92%。随着利率的下降，购房抵押贷款和再融资将会有巨大的机会，因为美国的房屋净值达到了历史最高水平。</p>

SOFI

<p>SoFi (SOFI) 已成为表现突出的金融股票，过去一年股价上涨了三倍。该公司报告了 44% 的年同比收入增长，并且会员基础显著增加。SoFi 的调整后 EBITDA 利润率从 9% 提高至 29%，自 2023 年底以来实现了正净收入。预计加密货币交易的回归和学生贷款再融资的复苏将推动进一步增长，同时房贷年同比增长 92%</p>

<p><strong>SoFi</strong>(SOFI 7.12%) has been one of the best-performing stocks in the financial sector recently. Over the past year, shares of the banking disruptor have roughly tripled, and a quick glance at SoFi's latest results show us why.</p>
<div class="lb-trans"><p><strong>SoFi</strong>(SOFI 7.12%) 最近是金融行业表现最好的股票之一。在过去一年中，这家银行颠覆者的股票价格大约翻了三倍，快速浏览 SoFi 最新的业绩可以让我们明白原因所在。</p>
</div><p>For one thing, not only has SoFi's membership base more than tripled since the end of 2021, but the company added 846,000 in the latest quarter -- its highest ever.</p>
<div class="lb-trans"><p>首先，自 2021 年底以来，SoFi 的会员基础不仅增长了三倍，而且在最新的季度中增加了 846,000 名会员——这是其历史最高水平。</p>
</div><p>Revenue growth came in at 44% year over year, SoFi's highest growth rate since 2022. Not only that, but profitability is quickly heading in the right direction. SoFi's adjusted EBITDA margin has steadily grown from 9% three years ago to 29% today, and the company has produced positive net income since late 2023.</p>
<div class="lb-trans"><p>收入增长率为 44%，是 SoFi 自 2022 年以来的最高增长率。不仅如此，盈利能力也在迅速朝着正确的方向发展。SoFi 的调整后 EBITDA 利润率从三年前的 9% 稳步增长至今天的 29%，并且自 2023 年底以来公司已实现正净收入。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzAyMDEvc3RvY2stdHJhZGVycy0yMDI1LmpwZyZ3PTcwMA" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F830201%2Fstock-traders-2025.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>1 Reason SoFi is still one of the best financial stocks to buy</h2>
<div class="lb-trans"><h2>SoFi 仍然是值得购买的最佳金融股票之一的一个理由</h2>
</div><p>In full disclosure, SoFi is my largest financial sector investment, and there are plenty of good reasons why it's still an excellent long-term stock to buy. For example, the fast-growing loan platform that originates loans on behalf of third-party banks is creating a growing stream of high-margin fee income. The return of cryptocurrency trading to the platform later this year could also be a big catalyst.</p>
<div class="lb-trans"><p>坦率地说，SoFi 是我在金融行业最大的投资，仍然有很多好的理由说明它是一只优秀的长期投资股票。例如，快速增长的贷款平台代表第三方银行发放贷款，正在创造一条不断增长的高利润手续费收入流。今年晚些时候，加密货币交易的回归也可能成为一个重要的催化剂。</p>
</div><p>However, one aspect that is often overlooked is SoFi's other loan verticals -- student loans and home loans.</p>
<div class="lb-trans"><p>然而，常常被忽视的一个方面是 SoFi 的其他贷款领域——学生贷款和住房贷款。</p>
</div><p>The private student loan business came screeching to a halt during the pandemic, thanks to federal loan repayment pauses and the promise of more loan forgiveness. Now that student loan interest and payments have resumed, SoFi's student loan refinancing business could soar. In fact, SoFi's student loan volume in the second quarter was 152% higher than it was two years ago.</p>
<div class="lb-trans"><p>由于联邦贷款偿还暂停和更多贷款减免的承诺，私人学生贷款业务在疫情期间几乎停滞不前。现在，随着学生贷款利息和还款的恢复，SoFi 的学生贷款再融资业务可能会飙升。事实上，SoFi 在第二季度的学生贷款量比两年前增长了 152%。</p>
</div><p>Home loans are an even more interesting component. SoFi grew its home loan business by 92% year over year in the second quarter despite a persistent high-rate environment. As rates fall, there will be a massive opportunity in both purchase mortgages and refinancing, as home equity in the United States is at its highest level ever.</p>
<div class="lb-trans"><p>住房贷款是一个更有趣的组成部分。尽管利率持续高企，SoFi 在第二季度的住房贷款业务同比增长了 92%。随着利率的下降，购房抵押贷款和再融资将会有巨大的机会，因为美国的房屋净值达到了历史最高水平。</p>
</div>

SoFi（SOFI）是您今天可以购买的最佳金融股票之一的一个理由