<p><strong>SoFi Technologies</strong>(SOFI -0.24%) 继续以其卓越的表现和广阔的机会吸引投资者。该金融科技股票在 2025 年迄今上涨约 72%，但它可能会更高。如果你今天有 1000 美元可以投资，并且在寻找一只优秀的成长股，考虑一下 SoFi。以下是原因。</p>
<h2>爬向顶峰</h2>
<p>SoFi 是一家相对年轻的全数字银行。它将投资倾注于技术和营销，而不是昂贵的分支办公室房地产，随着规模的扩大，这种做法带来了高销售额和成本效率。</p>
<p>该公司最初是为大学生提供贷款的合作社，贷款仍然是其核心业务。然而，管理层早期就设想了更大的蓝图，并扩展了平台，涵盖了大量银行服务。它在几年前收购 Golden Pacific Bancorp 时做出了明智的决定，获得了银行特许经营，从而开放了更多的产品选择。那时，银行特许经营意味着它必须关闭其加密货币交易业务，但新的法规让它恢复了该服务，SoFi 正在推出许多新的解决方案，涵盖传统产品和创新的技术驱动服务。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzU0NDQvc29maS5qcGcmdz03MDA?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-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzU0NDQvc29maS5qcGcmdz03MDA"/></p>
<p>图片来源：SoFi Technologies。</p>
<p>这种双重关注，使其处于一个值得信赖、可靠的银行与以创新为先的数字银行的交汇点，赢得了客户的赞誉，客户纷纷注册账户。事实上，即使在规模扩大时，它的注册人数也创下了新高。在 2025 年第二季度，它新增了 850,000 个账户，同比增长 34%。</p>
<p>其策略的一部分是交叉销售，这一过程正在逐步进行。其核心客户仍然是学生或专业人士，通常是在第一份工作中，刚开始接触个人财务管理。然而，这是一群受过教育、向上流动的人群，他们的财务需求正在增长。产品的增加速度超过了新会员的获取，第二季度新增了 130 万个新产品；35% 的新产品是由现有账户持有人开设的。</p>
<p>大部分增长发生在金融服务领域，即所有非贷款的单独产品。SoFi 还有一个称为 Tech Platform 的企业对企业金融科技基础设施部门。金融服务继续推动公司的业绩，贡献了 106% 的收入增长。这些大多是基于费用的低成本产品，导致强劲的利润率，增加了底线。金融服务的贡献利润在第二季度增长了 241%，达到 1.88 亿美元，接近贷款业务的利润。</p>
<p>贷款业务在高利率的压力下也在反弹，进一步增强了积极的前景。所有贷款类别都在增长，个人贷款发放增长 66%，学生贷款增长 35%，住房贷款增长 92%。</p>
<p>第二季度总调整后净收入同比增长 44%，每股收益（EPS）从去年的 0.01 美元上升至今年的 0.08 美元。</p>
<p>首席执行官 Anthony Noto 设想 SoFi 成为美国前十的金融机构，并继续超越竞争对手。</p>
<h2>风险与回报</h2>
<p>考虑到对 SoFi 的热情和其近期的股价上涨，SoFi 的股票今天并不便宜。它的交易市盈率为 47 倍，市净率为 4.5 倍。</p>
<p>由于仍然年轻并在努力改善其信用指标，因此面临的风险超过了典型的成熟银行。与其他银行一样，它也受到利率变化的影响，但在应对变化事件时并没有多年的经验。</p>
<p>然而，它在过去几年中表现出色，使其在未来经济挑战中更具实力。</p>
<p>SoFi 的股票并不适合最为保守的投资者，但如果你在寻找一只优秀的成长股，SoFi 是一个很好的选择。</p>

SOFI

<p>SoFi Technologies (SOFI) 展现了令人印象深刻的增长，预计在 2025 年增长 72%。这家数字银行专注于技术和市场营销，将服务范围从学生贷款扩展到全面的银行产品。在 2025 年第二季度，SoFi 新增了 850,000 个账户，同比增长 34%，并且金融服务收入增长了 106%。尽管其交易价格为未来收益的 47 倍，SoFi 仍然具备增长潜力，对于愿意承担一定风险的投资者来说，是一个引人注目的投资选择</p>

<p><strong>SoFi Technologies</strong>(SOFI -0.24%) continues to dazzle investors with its incredible performance and vast opportunities. The fintech stock is up about 72% so far in 2025, but it could go much, much higher. If you have $1,000 to invest today and are looking for a fantastic growth stock, consider SoFi. Here's why.</p>
<div class="lb-trans"><p><strong>SoFi Technologies</strong>(SOFI -0.24%) 继续以其卓越的表现和广阔的机会吸引投资者。该金融科技股票在 2025 年迄今上涨约 72%，但它可能会更高。如果你今天有 1000 美元可以投资，并且在寻找一只优秀的成长股，考虑一下 SoFi。以下是原因。</p>
</div><h2>Climbing to the top</h2>
<div class="lb-trans"><h2>爬向顶峰</h2>
</div><p>SoFi is a fairly young bank that's all digital. It pours its investments into technology and marketing instead of costly real estate for branch offices, and as it scales, that's paying off with high sales and cost efficiency.</p>
<div class="lb-trans"><p>SoFi 是一家相对年轻的全数字银行。它将投资倾注于技术和营销，而不是昂贵的分支办公室房地产，随着规模的扩大，这种做法带来了高销售额和成本效率。</p>
</div><p>The company originated as a loan co-op for college students, and lending remains its core segment. However, management envisioned the bigger picture early on and has expanded the platform to include a large suite of banking services. It made the savvy decision to get a bank charter with its acquisition of Golden Pacific Bancorp a few years ago, opening it up to a larger assortment of products. At that time, the banking charter meant that it had to shut its cryptocurrency trading operation, but new regulations let it revive that service, and SoFi is launching many new solutions that cover the gamut of traditional products as well as innovative technology-driven services.</p>
<div class="lb-trans"><p>该公司最初是为大学生提供贷款的合作社，贷款仍然是其核心业务。然而，管理层早期就设想了更大的蓝图，并扩展了平台，涵盖了大量银行服务。它在几年前收购 Golden Pacific Bancorp 时做出了明智的决定，获得了银行特许经营，从而开放了更多的产品选择。那时，银行特许经营意味着它必须关闭其加密货币交易业务，但新的法规让它恢复了该服务，SoFi 正在推出许多新的解决方案，涵盖传统产品和创新的技术驱动服务。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzU0NDQvc29maS5qcGcmdz03MDA" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F835444%2Fsofi.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: SoFi Technologies.</p>
<div class="lb-trans"><p>图片来源：SoFi Technologies。</p>
</div><p>That dual focus, which places it at the intersection of a trustworthy, reliable bank and a neobank that puts innovation first, is winning it accolades from customers, who are signing up for accounts in droves. In fact, even as it gets bigger, it's gaining record numbers of signups. In the 2025 second quarter, it added 850,000 new accounts, a 34% increase year over year.</p>
<div class="lb-trans"><p>这种双重关注，使其处于一个值得信赖、可靠的银行与以创新为先的数字银行的交汇点，赢得了客户的赞誉，客户纷纷注册账户。事实上，即使在规模扩大时，它的注册人数也创下了新高。在 2025 年第二季度，它新增了 850,000 个账户，同比增长 34%。</p>
</div><p>Part of its strategy is cross-selling, which is happening over time. Its core customer is still a student or professional, often in their first job and getting their feet wet in personal financial management. However, this is an educated, upwardly mobile crowd whose financial needs are growing. Product additions are outpacing new member acquisitions, with 1.3 million new products in Q2; 35% of new products were opened by existing account holders.</p>
<div class="lb-trans"><p>其策略的一部分是交叉销售，这一过程正在逐步进行。其核心客户仍然是学生或专业人士，通常是在第一份工作中，刚开始接触个人财务管理。然而，这是一群受过教育、向上流动的人群，他们的财务需求正在增长。产品的增加速度超过了新会员的获取，第二季度新增了 130 万个新产品；35% 的新产品是由现有账户持有人开设的。</p>
</div><p>Much of the growth is happening in financial services, which are all of the individual non-lending products. SoFi also has a business-to-business fintech infrastructure segment that it calls Tech Platform. Financial services continue to drive the company's results, accounting for the biggest increase in revenue --106%. These are mostly fee-based and low cost, resulting in strong margins and padding the bottom line. Financial services contribution profit increased 241% in Q2 to $188 million, getting close to profit from lending.</p>
<div class="lb-trans"><p>大部分增长发生在金融服务领域，即所有非贷款的单独产品。SoFi 还有一个称为 Tech Platform 的企业对企业金融科技基础设施部门。金融服务继续推动公司的业绩，贡献了 106% 的收入增长。这些大多是基于费用的低成本产品，导致强劲的利润率，增加了底线。金融服务的贡献利润在第二季度增长了 241%，达到 1.88 亿美元，接近贷款业务的利润。</p>
</div><p>The lending business, which was under pressure with high interest rates, is rebounding as well, adding to the positive picture. All of the lending categories are growing, with personal loan origination up 66%, student loans up 35%, and home loans up 92%.</p>
<div class="lb-trans"><p>贷款业务在高利率的压力下也在反弹，进一步增强了积极的前景。所有贷款类别都在增长，个人贷款发放增长 66%，学生贷款增长 35%，住房贷款增长 92%。</p>
</div><p>Total adjusted net revenue rose 44% year over year in Q2, and earnings per share (EPS) rose from $0.01 last year to $0.08 this year.</p>
<div class="lb-trans"><p>第二季度总调整后净收入同比增长 44%，每股收益（EPS）从去年的 0.01 美元上升至今年的 0.08 美元。</p>
</div><p>Chief Executive Officer Anthony Noto envisions SoFi becoming one of the U.S.'s top-10 financial institutions, and it continues to leapfrog over the competition.</p>
<div class="lb-trans"><p>首席执行官 Anthony Noto 设想 SoFi 成为美国前十的金融机构，并继续超越竞争对手。</p>
</div><h2>Risk vs. reward</h2>
<div class="lb-trans"><h2>风险与回报</h2>
</div><p>Considering the enthusiasm around SoFi and its recent stock climb, SoFi stock isn't cheap today. It trades at 47 times forward earnings and 4.5 times book value.</p>
<div class="lb-trans"><p>考虑到对 SoFi 的热情和其近期的股价上涨，SoFi 的股票今天并不便宜。它的交易市盈率为 47 倍，市净率为 4.5 倍。</p>
</div><p>There's also more risk than the typical, established bank because it's still young and working on improving its credit metrics. Like other banks, it's exposed to changes in interest rates, but it doesn't have years of experience under its belt as it reacts to changing events.</p>
<div class="lb-trans"><p>由于仍然年轻并在努力改善其信用指标，因此面临的风险超过了典型的成熟银行。与其他银行一样，它也受到利率变化的影响，但在应对变化事件时并没有多年的经验。</p>
</div><p>However, it has come through these past few years in excellent shape, giving it more strength to be ready for future economic challenges.</p>
<div class="lb-trans"><p>然而，它在过去几年中表现出色，使其在未来经济挑战中更具实力。</p>
</div><p>SoFi stock isn't for the most risk-averse investor, but if you're looking for an excellent growth stock, SoFi is a great choice.</p>
<div class="lb-trans"><p>SoFi 的股票并不适合最为保守的投资者，但如果你在寻找一只优秀的成长股，SoFi 是一个很好的选择。</p>
</div>

目前投资 1000 美元的最佳成长股