<p>许多金融服务公司受益于过去几年蓬勃发展的经济和强劲的消费者支出，包括 <strong>SoFi Technologies</strong>（SOFI -1.96%）。该公司已经超越了最初专注于学生贷款的业务，在过去几年中增加了一系列新的金融服务以吸引客户。</p>
<p>SoFi 最近的增长非常显著，过去三年其股价上涨超过 300% 为许多投资者的投资组合带来了提升。但在经历了这些涨幅后，SoFi 的股票在 30 美元以下时是否仍然值得购买？</p>
<p>以下是投资者应该对 SoFi 未来持乐观态度的原因，以及如果你现在购买该股票需要注意的一点。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzExODgvZ2V0dHlpbWFnZXMtMTIxMjU5NzU2MS0xMjAxeDgwMS1kMjFiNDVkLmpwZyZ3PTcwMA?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-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzExODgvZ2V0dHlpbWFnZXMtMTIxMjU5NzU2MS0xMjAxeDgwMS1kMjFiNDVkLmpwZyZ3PTcwMA"/></p>
<p>图片来源：Getty Images。</p>
<h2>SoFi 没有放缓的迹象</h2>
<p>SoFi 的第二季度业绩显示出公司的持续势头，收入同比增长 44%，达到 8.58 亿美元，盈利飙升 700%，每股收益为 0.08 美元。SoFi 在本季度还新增了创纪录的 85 万名会员，增长 34%，使公司总会员数达到 1170 万。所有这些会员帮助推动了基于费用的收入增长 72%，达到 3.78 亿美元。</p>
<p>这一季度的表现如此出色，以至于管理层提高了全年业绩指引。SoFi 的管理层表示，2025 年的销售额将达到约 33.8 亿美元，净收入将达到约 3.7 亿美元，高于之前对销售额约 32.7 亿美元和净收入 3.25 亿美元的预期。公司还预计今年将新增至少 300 万名会员，比 2024 年增长 30%。</p>
<h2>购买 SoFi 股票时需要注意的一点</h2>
<p>SoFi 显然提供了会员所需的服务，并且善于寻找新的增长方式。但我认为值得指出的是，过去几年的快速股价上涨使得 SoFi 的股票相对昂贵，市盈率（P/E）为 52。这与 <strong>标准普尔 500 指数</strong> 的平均市盈率约 30 相比。</p>
<p>目前许多股票看起来都很昂贵，因此这并不是一个巨大的警告信号。但这点很重要，尤其是有迹象表明美国经济可能正在放缓。美国在 7 月份仅新增 73,000 个就业岗位，前两个月的就业增长也大幅下调。</p>
<p>SoFi 依赖于经济保持强劲，以及其会员继续借款和消费。如果经济放缓即将来临，SoFi 的增长可能会停滞，投资者每季度所习惯看到的一些令人印象深刻的业绩可能会减弱。</p>
<p>投资者可以通过关注公司的逾期率和坏账率来监测这一点。到目前为止，这方面的情况看起来良好。SoFi 的年化坏账率在第二季度从 3.31% 降至 2.83%，个人贷款的 90 天逾期率连续第五个季度下降至 0.42%。如果这一趋势逆转，对公司来说将是一个坏兆头。</p>
<h2>那么，现在购买 SoFi 股票合适吗？</h2>
<p>我认为购买 SoFi 股票对于长期投资者来说仍然是一个好主意。但请记住，你为该股票支付了溢价，任何经济动荡都可能对公司及其会员产生影响。</p>
<p>如果你对这两个因素都感到舒适，开仓可能是一个不错的决定，并在未来几年内获得回报。只是不要期待 SoFi 股票在过去几年中经历的那种股价增长。</p>

SOFI

<p>SoFi Technologies 取得了显著增长，第二季度收入增长了 44%，每股收益上涨了 700%。该公司新增了 850,000 名会员，提高了全年业绩指引。然而，其 52 的高市盈率引发了对估值的担忧，尤其是在潜在经济放缓的背景下。尽管 SoFi 的表现依然强劲，但投资者应对可能影响增长的经济因素保持谨慎。长期投资者可能会发现这是一个不错的买入机会，但应意识到其溢价价格和未来可能的波动性</p>

<p>Many financial services companies benefited from a booming economy and robust consumer spending over the past few years, including <strong>SoFi Technologies</strong>(SOFI -1.96%). The company has moved beyond its initial focus of student loans and added a slew of new financial services over the past few years to attract customers.</p>
<div class="lb-trans"><p>许多金融服务公司受益于过去几年蓬勃发展的经济和强劲的消费者支出，包括 <strong>SoFi Technologies</strong>（SOFI -1.96%）。该公司已经超越了最初专注于学生贷款的业务，在过去几年中增加了一系列新的金融服务以吸引客户。</p>
</div><p>SoFi's growth has been tremendous recently, and its share price gains of more than 300% over the past three years have boosted many investors' portfolios. But after all of those gains, is SoFi stock still worth buying while it's under $30?</p>
<div class="lb-trans"><p>SoFi 最近的增长非常显著，过去三年其股价上涨超过 300% 为许多投资者的投资组合带来了提升。但在经历了这些涨幅后，SoFi 的股票在 30 美元以下时是否仍然值得购买？</p>
</div><p>Here's why investors should be optimistic about SoFi's future, and one word of caution if you buy the stock now.</p>
<div class="lb-trans"><p>以下是投资者应该对 SoFi 未来持乐观态度的原因，以及如果你现在购买该股票需要注意的一点。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzExODgvZ2V0dHlpbWFnZXMtMTIxMjU5NzU2MS0xMjAxeDgwMS1kMjFiNDVkLmpwZyZ3PTcwMA" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F831188%2Fgettyimages-1212597561-1201x801-d21b45d.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 shows no signs of slowing down</h2>
<div class="lb-trans"><h2>SoFi 没有放缓的迹象</h2>
</div><p>SoFi's second-quarter results showed the company's continued momentum, with revenue rising 44% from the year-ago quarter to $858 million, and earnings skyrocketing 700% to $0.08 per share. SoFi also added a record 850,000 new members in the quarter, a 34% increase, giving the company a total of 11.7 million members. All those members helped push fee-based revenue up by 72% to $378 million.</p>
<div class="lb-trans"><p>SoFi 的第二季度业绩显示出公司的持续势头，收入同比增长 44%，达到 8.58 亿美元，盈利飙升 700%，每股收益为 0.08 美元。SoFi 在本季度还新增了创纪录的 85 万名会员，增长 34%，使公司总会员数达到 1170 万。所有这些会员帮助推动了基于费用的收入增长 72%，达到 3.78 亿美元。</p>
</div><p>The quarter was so good, in fact, that management raised its full-year guidance. SoFi's management said that sales will be about $3.38 billion in 2025, and net income will reach around $370 million, up from its previous estimates of about $3.27 billion in sales and $325 million in net income. The company also estimates that it will add at least 3 million new members this year, a 30% increase from 2024.</p>
<div class="lb-trans"><p>这一季度的表现如此出色，以至于管理层提高了全年业绩指引。SoFi 的管理层表示，2025 年的销售额将达到约 33.8 亿美元，净收入将达到约 3.7 亿美元，高于之前对销售额约 32.7 亿美元和净收入 3.25 亿美元的预期。公司还预计今年将新增至少 300 万名会员，比 2024 年增长 30%。</p>
</div><h2>One thing to keep in mind with SoFi stock</h2>
<div class="lb-trans"><h2>购买 SoFi 股票时需要注意的一点</h2>
</div><p>SoFi is clearly offering services that its members want and is adept at finding new ways to grow. But I think it's worth pointing out that its quick share price gains over the past few years now make SoFi stock relatively expensive, with a price-to-earnings (P/E) ratio of 52. That's compared to the <strong>S&amp;P 500</strong>'s average P/E multiple of about 30.</p>
<div class="lb-trans"><p>SoFi 显然提供了会员所需的服务，并且善于寻找新的增长方式。但我认为值得指出的是，过去几年的快速股价上涨使得 SoFi 的股票相对昂贵，市盈率（P/E）为 52。这与 <strong>标准普尔 500 指数</strong> 的平均市盈率约 30 相比。</p>
</div><p>Lots of stocks look expensive right now, so that's not a huge red flag. But it's important to keep in mind, especially as there are some signs that the U.S. economy could be slowing down. The U.S. added just 73,000 jobs in July, and job growth was substantially revised downward for the previous two months.</p>
<div class="lb-trans"><p>目前许多股票看起来都很昂贵，因此这并不是一个巨大的警告信号。但这点很重要，尤其是有迹象表明美国经济可能正在放缓。美国在 7 月份仅新增 73,000 个就业岗位，前两个月的就业增长也大幅下调。</p>
</div><p>SoFi is reliant on the economy remaining strong, and on its members to continue borrowing and spending money. If an economic slowdown is around the corner, SoFi growth could stall, and some of the impressive results investors have been used to seeing each quarter could fade.</p>
<div class="lb-trans"><p>SoFi 依赖于经济保持强劲，以及其会员继续借款和消费。如果经济放缓即将来临，SoFi 的增长可能会停滞，投资者每季度所习惯看到的一些令人印象深刻的业绩可能会减弱。</p>
</div><p>Investors can keep an eye on this by looking at the company's delinquency rates and charge-offs. So far, things look solid on this front. SoFi's annualized charge-off rate decreased in Q2 from 3.31% to 2.83%, and its 90-day delinquency rate for personal loans decreased for the fifth consecutive quarter to 0.42%. If this trend reverses, it would be a bad sign for the company.</p>
<div class="lb-trans"><p>投资者可以通过关注公司的逾期率和坏账率来监测这一点。到目前为止，这方面的情况看起来良好。SoFi 的年化坏账率在第二季度从 3.31% 降至 2.83%，个人贷款的 90 天逾期率连续第五个季度下降至 0.42%。如果这一趋势逆转，对公司来说将是一个坏兆头。</p>
</div><h2>So, is SoFi stock a buy right now?</h2>
<div class="lb-trans"><h2>那么，现在购买 SoFi 股票合适吗？</h2>
</div><p>I think buying SoFi stock could still be a good idea for long-term investors. But keep in mind that you're paying a premium for the stock, and any economic turbulence would likely be felt by the company and its members.</p>
<div class="lb-trans"><p>我认为购买 SoFi 股票对于长期投资者来说仍然是一个好主意。但请记住，你为该股票支付了溢价，任何经济动荡都可能对公司及其会员产生影响。</p>
</div><p>If you're comfortable with both of those factors, opening a position could be a good decision and pay off years from now. Just don't expect some of the same share price growth that SoFi stock has experienced over the past few years.</p>
<div class="lb-trans"><p>如果你对这两个因素都感到舒适，开仓可能是一个不错的决定，并在未来几年内获得回报。只是不要期待 SoFi 股票在过去几年中经历的那种股价增长。</p>
</div>

SoFi 的股价低于 30 美元时，你是否应该购买？