<p>市场的乐观情绪以及美国经济在过去几年的韧性导致一些金融股票的股价飙升。在过去三年中，<strong>SoFi Technologies</strong>(SOFI -2.06%) 和 <strong>Robinhood Markets</strong>(HOOD 0.80%) 这两只股票的表现尤为突出，分别上涨超过 280% 和 1000% 以上。</p>
<p>这两家成长型公司在各自的市场中开辟了重要的细分领域，为投资者提供了独特的金融产品投资方式。但在这两者中，哪一只股票在长期内更具成长潜力呢？让我们来看看。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzA3NTUvZ2V0dHlpbWFnZXMtMTQ3NjExODU3NC0xMjAweDgwMC01YjJkZjc5LmpwZyZ3PTcwMA?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-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzA3NTUvZ2V0dHlpbWFnZXMtMTQ3NjExODU3NC0xMjAweDgwMC01YjJkZjc5LmpwZyZ3PTcwMA"/></p>
<p>图片来源：Getty Images。</p>
<h2>SoFi 迅速扩展其金融服务</h2>
<p>在过去几年中，SoFi 的增长可谓令人印象深刻。该公司目前拥有 1170 万会员，比去年同期增长了 34%。如此规模的增长并非偶然，显示出 SoFi 的管理层成功推出了与客户产生共鸣的金融服务。</p>
<p>SoFi 提供多种服务，从个人贷款到信用卡和银行账户，并在年轻客户中吸引了忠实的追随者。财务结果也证明了这一点，第二季度销售额增长 44%，达到 8.58 亿美元，调整后的每股收益飙升 7 倍，达到 0.08 美元。</p>
<p>公司成功的一部分来自于其基于费用的收入，例如信用卡费用，在本季度增长了 73%，达到 3.78 亿美元。由于第二季度的财务表现非常强劲，管理层将 SoFi 的全年收入指引上调至约 34 亿美元，比 2024 年增长 31%。</p>
<h2>Robinhood 受益于市场的激增</h2>
<p>Robinhood 在过去几年中受益于股票购买兴趣的激增。该公司的易用交易应用程序在年轻投资者中颇受欢迎，能够在应用中买卖加密货币和股票，使 Robinhood 能够吸引广泛的投资者群体。</p>
<p>仅从第二季度的结果来看，就可以清楚地看到 Robinhood 平台的受欢迎程度，收入增长 45%，达到 9.89 亿美元，收益激增 100%，达到每股 0.42 美元。这些增长主要得益于 Robinhood 的交易收入，在本季度增长了 65%，显示出投资者渴望继续使用该应用进行投资。</p>
<p>更重要的是，Robinhood 的资金客户账户在本季度增长了 10%，达到 2650 万个，公司的总平台资产几乎翻了一番，达到 2790 亿美元。这两个指标都表明了 Robinhood 的强劲势头。</p>
<h2>现在哪只成长股更值得购买？</h2>
<p>虽然 Robinhood 和 SoFi 都在健康增长并吸引新客户，但重要的是要关注每只股票的估值，特别是在它们过去几年股价大幅上涨的背景下。</p>
<p>SoFi 的股票市盈率约为 50，相较于 <strong>标准普尔 500</strong> 的平均市盈率 28 显得较贵。但仍然低于 Robinhood 的市盈率 56。</p>
<p>尽管 Robinhood 目前确实有很强的势头，但其较高的估值以及过去几年天文数字般的股价涨幅意味着几乎没有出错的空间。例如，尽管 Robinhood 在销售和收益上超出华尔街的共识预期，并且用户数量增加，但在季度财报电话会议上，其股价却下跌，因为投资者对公司最近收购相关的一些成本不满。</p>
<p>每当一只股票在短时间内获得如此巨大的涨幅时，投资者可能会开始期待其季度业绩的近乎完美。因此，考虑到这一点以及该股票相较于 SoFi 的更高估值，我认为 SoFi 的股票现在看起来更值得购买。</p>

HOOD

SOFI

<p>SoFi 科技和 Robinhood 市场的股价均出现显著上涨，SoFi 在过去三年中上涨超过 280%，而 Robinhood 则上涨超过 1,000%。SoFi 扩展了其服务，并将收入指引提高至 34 亿美元，而 Robinhood 的收入增长了 45%，达到 9.89 亿美元。尽管 Robinhood 的势头强劲，但其 56 的市盈率高于 SoFi 的 50，这表明 SoFi 可能是更好的长期增长股票，因为其估值更具优势且近期表现更佳</p>

<p>Optimism in the market and the U.S. economy's resilience over the past few years have resulted in a share price surge for some financial stocks. Two stocks that have posted impressive gains over the past three years are <strong>SoFi Technologies</strong>(SOFI -2.06%) and <strong>Robinhood Markets</strong>(HOOD 0.80%), which have gained over 280% and more than 1,000%, respectively.</p>
<div class="lb-trans"><p>市场的乐观情绪以及美国经济在过去几年的韧性导致一些金融股票的股价飙升。在过去三年中，<strong>SoFi Technologies</strong>(SOFI -2.06%) 和 <strong>Robinhood Markets</strong>(HOOD 0.80%) 这两只股票的表现尤为突出，分别上涨超过 280% 和 1000% 以上。</p>
</div><p>Both of these growth companies have carved out important niches in their respective markets, giving investors a unique way to invest in financial products. But of the two, which one is the better growth stock over the long term? Let's take a look.</p>
<div class="lb-trans"><p>这两家成长型公司在各自的市场中开辟了重要的细分领域，为投资者提供了独特的金融产品投资方式。但在这两者中，哪一只股票在长期内更具成长潜力呢？让我们来看看。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzA3NTUvZ2V0dHlpbWFnZXMtMTQ3NjExODU3NC0xMjAweDgwMC01YjJkZjc5LmpwZyZ3PTcwMA" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F830755%2Fgettyimages-1476118574-1200x800-5b2df79.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>SoFi has rapidly expanded its financial services</h2>
<div class="lb-trans"><h2>SoFi 迅速扩展其金融服务</h2>
</div><p>SoFi's growth has been nothing short of impressive over the past few years. The company boasts 11.7 million members now, an increase of 34% from the year-ago quarter. That amount of growth doesn't just happen by accident and shows SoFi's management has successfully rolled out financial services that resonate with customers.</p>
<div class="lb-trans"><p>在过去几年中，SoFi 的增长可谓令人印象深刻。该公司目前拥有 1170 万会员，比去年同期增长了 34%。如此规模的增长并非偶然，显示出 SoFi 的管理层成功推出了与客户产生共鸣的金融服务。</p>
</div><p>SoFi offers a variety of services, from personal loans to credit cards and bank accounts, and has attracted a loyal following among younger customers. The results financially speak for themselves, with sales rising 44% in the second quarter to $858 million and adjusted earnings skyrocketing 7 times to $0.08 per share.</p>
<div class="lb-trans"><p>SoFi 提供多种服务，从个人贷款到信用卡和银行账户，并在年轻客户中吸引了忠实的追随者。财务结果也证明了这一点，第二季度销售额增长 44%，达到 8.58 亿美元，调整后的每股收益飙升 7 倍，达到 0.08 美元。</p>
</div><p>Part of the company's success has come from its fee-based revenue, like credit card fees, which rose 73% in the quarter to $378 million. The company's financial performance was so strong in the second quarter that management raised SoFi's full-year revenue guidance to about $3.4 billion -- a 31% jump from 2024.</p>
<div class="lb-trans"><p>公司成功的一部分来自于其基于费用的收入，例如信用卡费用，在本季度增长了 73%，达到 3.78 亿美元。由于第二季度的财务表现非常强劲，管理层将 SoFi 的全年收入指引上调至约 34 亿美元，比 2024 年增长 31%。</p>
</div><h2>Robinhood is benefiting from a surging market</h2>
<div class="lb-trans"><h2>Robinhood 受益于市场的激增</h2>
</div><p>Robinhood has benefited from an explosion of stock-buying interest over the past few years. The company's easy-to-use trading app is popular among younger investors, and the ability to buy and sell cryptocurrencies, along with stocks, in the app allows Robinhood to appeal to a wide group of investors.</p>
<div class="lb-trans"><p>Robinhood 在过去几年中受益于股票购买兴趣的激增。该公司的易用交易应用程序在年轻投资者中颇受欢迎，能够在应用中买卖加密货币和股票，使 Robinhood 能够吸引广泛的投资者群体。</p>
</div><p>It's easy to see just how popular Robinhood's platform is based on its Q2 results alone, in which revenue rose 45% to $989 million and earnings surged 100% to $0.42 per share. Much of these gains were fueled by Robinhood's transaction-based revenue, which rose 65% in the quarter and showed that investors are eager to continue using the app to invest.</p>
<div class="lb-trans"><p>仅从第二季度的结果来看，就可以清楚地看到 Robinhood 平台的受欢迎程度，收入增长 45%，达到 9.89 亿美元，收益激增 100%，达到每股 0.42 美元。这些增长主要得益于 Robinhood 的交易收入，在本季度增长了 65%，显示出投资者渴望继续使用该应用进行投资。</p>
</div><p>What's more, Robinhood's funded customer accounts rose 10% in the quarter to 26.5 million, and the company's total platform assets nearly doubled to $279 billion. Both are indicators of Robinhood's impressive momentum.</p>
<div class="lb-trans"><p>更重要的是，Robinhood 的资金客户账户在本季度增长了 10%，达到 2650 万个，公司的总平台资产几乎翻了一番，达到 2790 亿美元。这两个指标都表明了 Robinhood 的强劲势头。</p>
</div><h2>Which growth stock is the better buy right now?</h2>
<div class="lb-trans"><h2>现在哪只成长股更值得购买？</h2>
</div><p>While Robinhood and SoFi are both growing at a healthy clip and attracting new customers, it's important to take a look at each stock's valuation, especially in light of their massive share price gains over the past few years.</p>
<div class="lb-trans"><p>虽然 Robinhood 和 SoFi 都在健康增长并吸引新客户，但重要的是要关注每只股票的估值，特别是在它们过去几年股价大幅上涨的背景下。</p>
</div><p>SoFi's stock has a price-to-earnings ratio of about 50, which is expensive when compared to the <strong>S&amp;P 500</strong>'s average P/E ratio of 28. But it's still cheaper than Robinhood's P/E ratio of 56.</p>
<div class="lb-trans"><p>SoFi 的股票市盈率约为 50，相较于 <strong>标准普尔 500</strong> 的平均市盈率 28 显得较贵。但仍然低于 Robinhood 的市盈率 56。</p>
</div><p>While Robinhood certainly has lots of momentum right now, its higher valuation and its astronomical share price gains over the past few years mean there's very little room for error. For example, despite Robinhood's strong quarter in which sales and earnings beat Wall Street's consensus estimates and users increased, its share price fell during the quarterly earnings call because investors didn't like some of the costs associated with the company's recent acquisitions.</p>
<div class="lb-trans"><p>尽管 Robinhood 目前确实有很强的势头，但其较高的估值以及过去几年天文数字般的股价涨幅意味着几乎没有出错的空间。例如，尽管 Robinhood 在销售和收益上超出华尔街的共识预期，并且用户数量增加，但在季度财报电话会议上，其股价却下跌，因为投资者对公司最近收购相关的一些成本不满。</p>
</div><p>Whenever a stock has gained so much in such a short time, investors can begin to expect near-perfection in its quarterly results. For that reason, and the stock's higher valuation relative to SoFi's, I think SoFi stock looks like the better buy right now.</p>
<div class="lb-trans"><p>每当一只股票在短时间内获得如此巨大的涨幅时，投资者可能会开始期待其季度业绩的近乎完美。因此，考虑到这一点以及该股票相较于 SoFi 的更高估值，我认为 SoFi 的股票现在看起来更值得购买。</p>
</div>

更具成长潜力的股票：SoFi 与 Robinhood