<ul>
<li>SOFI 股票可能還有更多的漲幅。</li>
<li>經濟背景看起來對 SoFi 的增長更加有利。</li>
<li>公司的各個業務板塊似乎準備好表現得更好，並保持勢頭。</li>
<li>你在退休方面是領先還是落後？SmartAsset 的免費工具可以在幾分鐘內將你與財務顧問匹配，幫助你今天回答這個問題。每位顧問都經過嚴格審查，必須以你的最佳利益為重。不要再浪費時間；點擊這裏開始吧。(贊助)</li>
</ul>
<p><strong>SoFi Technologies</strong> (NASDAQ:SOFI) 是一家通過其在線平台銷售服務的金融服務和科技公司。過去一年，該股票上漲超過 132%，但年初至今僅上漲 7.6%。然而，如果我們推測當前趨勢和預期，2025 年剩餘時間可能對 SOFI 股票更為有利。讓我們看看該股票今年可能繼續實現穩健增長的三個主要原因。</p>
<h2>降息</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/02/GettyImages-1975760653.jpg?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://247wallst.com/wp-content/uploads/2024/02/GettyImages-1975760653.jpg"/></p>
<p>利率越低，對 SoFi 越有利。</p>
<p>SoFi Technologies 的大部分收入來自貸款。在 2024 財年，其 “貸款” 板塊佔所有運營收入的 55.5%，帶來了 15 億美元。第二大業務是金融服務，佔 30.7%，其後是技術平台，佔 14.8%。</p>
<p>金融服務板塊是這裏增長最快的，因為這是 SoFi 旨在成為一站式金融服務平台的關鍵。儘管如此，貸款板塊可能會再次恢復勢頭。</p>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg?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://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg"/></p>
<p>降息將是這裏最大的積極催化劑。如果利率下降，SoFi 的淨利息收入肯定會減少，但需求的增加應該會抵消這一點。SoFi Technologies 在超低利率環境下取得了巨大的成功，貸款業務的收入從 2020 年的 4.809 億美元躍升至 2021 年的 7.383 億美元。</p>
<p>當然，利率不太可能很快降到那種水平，但即使是小幅降息對 SoFi 也是淨積極的。許多消費者一直在等待利率下降後再進行借貸。一旦美聯儲開始認真降息，這種被壓抑的借貸需求可能會真正迴歸。</p>
<p>市場目前預計將在 9 月降息，隨後可能在 10 月或 11 月再降息。由於特朗普政府的巨大壓力以及數據顯示儘管有關税，通貨膨脹仍在持續下降，降息可能會更早到來。</p>
<h2>蓬勃發展的金融服務板塊</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/07/imageForEntry1-UJ4.jpg?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://247wallst.com/wp-content/uploads/2022/07/imageForEntry1-UJ4.jpg"/></p>
<p>該板塊在 2025 年第一季度的收入同比翻了一番。</p>
<p>正如我之前所説，儘管利率較高，金融服務板塊依然蓬勃發展。較低的利率可能會使增長進一步加速。即使不降息，勢頭也不太可能減弱。</p>
<p>該板塊的收入從 2023 年的 4.365 億美元增長到 2024 年的 8.215 億美元。在 2020 年，該板塊的收入僅為 1190 萬美元。由於其金融服務生態系統的廣度，該板塊預計將成為 SoFi 最大的業務。它包括 SoFi Money、SoFi Invest 和 SoFi 信用卡。僅 2025 年第一季度，該板塊就實現了 3.03 億美元的收入。</p>
<p>SoFi 預計該板塊的收入將在今年增長 60% 至 65%。你應該記住，這是高利潤率的收入，華爾街喜歡能夠實現高銷售增長和雙位數利潤率的企業。該板塊的貢獻利潤率在第一季度為 49%，高於 2024 年的 25%。利潤率只有一半且收入增長在 20% 至 30% 之間的公司在市場上交易時的市銷率通常超過 10 倍。</p>
<p>目前，投資者為 SOFI 股票支付的市銷率略高於 6 倍。這主要是由於貸款板塊使 SoFi 的整體增長看起來較差，但華爾街正在迅速意識到其潛力。如果金融服務板塊作為獨立業務進行交易，可能價值約 100 億至 150 億美元（作為參考，SoFi 目前的估值為 167.2 億美元）。這裏的數字無疑是卓越的。</p>
<h2>華爾街也喜歡向上的勢頭</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/04/shutterstock-1454002997-huge-licensed-scaled.jpg?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://247wallst.com/wp-content/uploads/2024/04/shutterstock-1454002997-huge-licensed-scaled.jpg"/></p>
<p>指導預期持續上升。</p>
<p>SoFi Technologies 一直在超越分析師的預期，並且定期提高其指導數字。在過去一年中，它超越了每一個收入和每股收益的預期，並且最近也提高了其指導。</p>
<p>在第一季度，它預計 2025 年全年淨收入為 32.35 億至 33.1 億美元，而早前的指導為 32 億至 32.75 億美元。管理層還將其 EBITDA 指導上調至 8.75 億至 8.95 億美元，而之前的指導為 8.45 億至 8.65 億美元。</p>
<p>這些預期基於 “與遠期曲線一致且略高於 1.5 次降息” 的利率展望，GDP 增長在 1% 至 2% 之間，失業率在 5% 左右。考慮到美聯儲最近的聲明，這相當現實，甚至可能有些保守。美聯儲理事沃勒表示，利率可能最早在 7 月降息，儘管這不太可能。儘管如此，這強化了美聯儲將兑現其今年實施兩次降息承諾的想法。</p>
<p>宏觀經濟數據迄今為止表現強勁，因此 SoFi 很有可能進一步提高指導。所有這些原因都表明，除非突然出現衰退，否則 SOFI 股票在 2025 年應該會表現出色。</p>
<p>這篇文章的標題為《SOFI 股票將在 2025 年剩餘時間內大放異彩的三個原因》，最初發布在 24/7 Wall St.。</p>

SOFI

<p>SoFi Technologies（納斯達克代碼：SOFI）在過去一年中股價上漲超過 132%，預計在 2025 年將繼續增長。關鍵因素包括可能的降息，這可能會推動其貸款業務的發展，該業務佔其收入的一半以上。此外，金融服務部門的收入同比增長了一倍，並預計將顯著增長。華爾街正在認識到 SoFi 高利潤服務的潛力，這可能會導致股價進一步上漲</p>

<ul>
<li>More gains may still be ahead for SOFI stock.</li>
<li>The economic background looks much more conducive to SoFi’s growth.</li>
<li>The company’s segments seem poised to do much better and keep up the momentum.</li>
<li>Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; get started by clicking here.(Sponsor)</li>
</ul>
<div class="lb-trans"><ul>
<li>SOFI 股票可能還有更多的漲幅。</li>
<li>經濟背景看起來對 SoFi 的增長更加有利。</li>
<li>公司的各個業務板塊似乎準備好表現得更好，並保持勢頭。</li>
<li>你在退休方面是領先還是落後？SmartAsset 的免費工具可以在幾分鐘內將你與財務顧問匹配，幫助你今天回答這個問題。每位顧問都經過嚴格審查，必須以你的最佳利益為重。不要再浪費時間；點擊這裏開始吧。(贊助)</li>
</ul>
</div><p><strong>SoFi Technologies</strong> (NASDAQ:SOFI) is a financial services and technology company that sells services through its online platform. The stock is up over 132% over the past year, but it is up only 7.6% year-to-date. However, the rest of 2025 could be much better for SOFI stock if we extrapolate current trends and expectations. Let’s take a look at the three main reasons why the stock could continue delivering solid gains this year.</p>
<div class="lb-trans"><p><strong>SoFi Technologies</strong> (NASDAQ:SOFI) 是一家通過其在線平台銷售服務的金融服務和科技公司。過去一年，該股票上漲超過 132%，但年初至今僅上漲 7.6%。然而，如果我們推測當前趨勢和預期，2025 年剩餘時間可能對 SOFI 股票更為有利。讓我們看看該股票今年可能繼續實現穩健增長的三個主要原因。</p>
</div><h2>Rate Cuts</h2>
<div class="lb-trans"><h2>降息</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/02/GettyImages-1975760653.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/02/GettyImages-1975760653.jpg"/></p>
<p>The lower the rates are, the better for SoFi.</p>
<div class="lb-trans"><p>利率越低，對 SoFi 越有利。</p>
</div><p>SoFi Technologies derives most of its revenue from lending. In FY 2024, its “Lending” segment constituted 55.5% of all operating revenue and brought in $1.5 billion. The second-biggest business was Financial Services at 30.7%, followed by Technology Platform at 14.8%.</p>
<div class="lb-trans"><p>SoFi Technologies 的大部分收入來自貸款。在 2024 財年，其 “貸款” 板塊佔所有運營收入的 55.5%，帶來了 15 億美元。第二大業務是金融服務，佔 30.7%，其後是技術平台，佔 14.8%。</p>
</div><p>The Financial Services segment has been the fastest grower here since this is the linchpin of SoFi’s aim of becoming the one-stop shop for all things finance. Regardless, the Lending segment could regain momentum once more.</p>
<div class="lb-trans"><p>金融服務板塊是這裏增長最快的，因為這是 SoFi 旨在成為一站式金融服務平台的關鍵。儘管如此，貸款板塊可能會再次恢復勢頭。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg"/></p>
<p>Interest rate cuts would be the biggest positive catalyst here. SoFi would definitely see a reduction in net interest income if interest rates go down, but the increase in demand should offset that and then some. SoFi Technologies saw huge success during the ultra-low interest rate regime, and the Lending business saw its revenue jump from $480.9 million to $738.3 million in one year, from 2020 to 2021.</p>
<div class="lb-trans"><p>降息將是這裏最大的積極催化劑。如果利率下降，SoFi 的淨利息收入肯定會減少，但需求的增加應該會抵消這一點。SoFi Technologies 在超低利率環境下取得了巨大的成功，貸款業務的收入從 2020 年的 4.809 億美元躍升至 2021 年的 7.383 億美元。</p>
</div><p>Of course, it is unlikely that interest rates would go to those levels anytime soon, but even a small decrease in rates will be a net positive for SoFi. There are many consumers who have been waiting for interest rates to come down before borrowing. This pent-up demand for borrowing could return in earnest once the Federal Reserve starts seriously cutting rates.</p>
<div class="lb-trans"><p>當然，利率不太可能很快降到那種水平，但即使是小幅降息對 SoFi 也是淨積極的。許多消費者一直在等待利率下降後再進行借貸。一旦美聯儲開始認真降息，這種被壓抑的借貸需求可能會真正迴歸。</p>
</div><p>The market is currently pricing in a September rate cut, followed by another rate cut as early as October or November. An interest rate cut could come even earlier due to significant pressure from the Trump administration and the data showing that inflation has continued to go down despite tariffs.</p>
<div class="lb-trans"><p>市場目前預計將在 9 月降息，隨後可能在 10 月或 11 月再降息。由於特朗普政府的巨大壓力以及數據顯示儘管有關税，通貨膨脹仍在持續下降，降息可能會更早到來。</p>
</div><h2>The Booming Financial Services Segment</h2>
<div class="lb-trans"><h2>蓬勃發展的金融服務板塊</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/07/imageForEntry1-UJ4.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2022/07/imageForEntry1-UJ4.jpg"/></p>
<p>This segment doubled its revenue year-over-year in Q1 2025.</p>
<div class="lb-trans"><p>該板塊在 2025 年第一季度的收入同比翻了一番。</p>
</div><p>As I said before, the Financial Services segment has been booming, despite the higher interest rates. Lower rates could cause the growth to accelerate even more. Even if rate cuts don’t come, the momentum is unlikely to be dampened.</p>
<div class="lb-trans"><p>正如我之前所説，儘管利率較高，金融服務板塊依然蓬勃發展。較低的利率可能會使增長進一步加速。即使不降息，勢頭也不太可能減弱。</p>
</div><p>The revenue from this segment has grown from $436.5 million in 2023 to $821.5 million in 2024. In 2020, the revenue from this segment was at a measly $11.9 million. This segment is expected to become SoFi’s largest due to the breadth of its financial services ecosystem. It includes SoFi Money, SoFi Invest, and the SoFi Credit Card. Q1 2025 alone saw this segment post $303 million in revenue.</p>
<div class="lb-trans"><p>該板塊的收入從 2023 年的 4.365 億美元增長到 2024 年的 8.215 億美元。在 2020 年，該板塊的收入僅為 1190 萬美元。由於其金融服務生態系統的廣度，該板塊預計將成為 SoFi 最大的業務。它包括 SoFi Money、SoFi Invest 和 SoFi 信用卡。僅 2025 年第一季度，該板塊就實現了 3.03 億美元的收入。</p>
</div><p>SoFi expects this segment’s revenue to grow by 60% to 65% this year. You should keep in mind that this is high-margin revenue, and Wall Street loves businesses that can pull off high sales growth with double-digit margins. The contribution margin here was 49% in Q1, up from 25% in 2024. Companies with margins half as high and revenue growth around 20% to 30% trade well above 10 times sales on the market.</p>
<div class="lb-trans"><p>SoFi 預計該板塊的收入將在今年增長 60% 至 65%。你應該記住，這是高利潤率的收入，華爾街喜歡能夠實現高銷售增長和雙位數利潤率的企業。該板塊的貢獻利潤率在第一季度為 49%，高於 2024 年的 25%。利潤率只有一半且收入增長在 20% 至 30% 之間的公司在市場上交易時的市銷率通常超過 10 倍。</p>
</div><p>Right now, investors are paying a bit over 6 times sales for SOFI stock. This is mainly due to the Lending segment making SoFi’s overall growth look worse, but Wall Street is quickly realizing the potential. The Financial Services segment on its own may have been worth around $10 billion to $15 billion (for context, all of SoFi is now valued at $16.72 billion) if it traded as a standalone business. The numbers here are nothing but stellar.</p>
<div class="lb-trans"><p>目前，投資者為 SOFI 股票支付的市銷率略高於 6 倍。這主要是由於貸款板塊使 SoFi 的整體增長看起來較差，但華爾街正在迅速意識到其潛力。如果金融服務板塊作為獨立業務進行交易，可能價值約 100 億至 150 億美元（作為參考，SoFi 目前的估值為 167.2 億美元）。這裏的數字無疑是卓越的。</p>
</div><h2>Wall Street Also Loves Upward Momentum</h2>
<div class="lb-trans"><h2>華爾街也喜歡向上的勢頭</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/04/shutterstock-1454002997-huge-licensed-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/04/shutterstock-1454002997-huge-licensed-scaled.jpg"/></p>
<p>The guidance keeps going up.</p>
<div class="lb-trans"><p>指導預期持續上升。</p>
</div><p>SoFi Technologies has been beating analyst estimates and has been increasing its guidance figures quite routinely. It has beaten every single revenue and EPS estimate in the past year, and it has also upped its guidance recently.</p>
<div class="lb-trans"><p>SoFi Technologies 一直在超越分析師的預期，並且定期提高其指導數字。在過去一年中，它超越了每一個收入和每股收益的預期，並且最近也提高了其指導。</p>
</div><p>In Q1, it expects net revenue of $3.235 billion to $3.31 billion for all of 2025, compared to an earlier guidance of $3.2 billion to $3.275 billion. Management also upped its EBITDA guidance to $875 million to $895 million vs. a prior guidance of $845 million to $865 million.</p>
<div class="lb-trans"><p>在第一季度，它預計 2025 年全年淨收入為 32.35 億至 33.1 億美元，而早前的指導為 32 億至 32.75 億美元。管理層還將其 EBITDA 指導上調至 8.75 億至 8.95 億美元，而之前的指導為 8.45 億至 8.65 億美元。</p>
</div><p>These expectations are based on an interest outlook “consistent with the forward curve and just north of 1.5 rate cuts,” GDP growth of 1% to 2%, and an unemployment rate in the 5% range. It’s quite realistic, and perhaps even a bit conservative if you take recent statements from the Fed into account. Fed Governor Waller said that interest rates could be cut as early as July, though that’s unlikely. Still, this reinforces the idea that the Fed will make do on its promise of implementing two rate cuts this year.</p>
<div class="lb-trans"><p>這些預期基於 “與遠期曲線一致且略高於 1.5 次降息” 的利率展望，GDP 增長在 1% 至 2% 之間，失業率在 5% 左右。考慮到美聯儲最近的聲明，這相當現實，甚至可能有些保守。美聯儲理事沃勒表示，利率可能最早在 7 月降息，儘管這不太可能。儘管如此，這強化了美聯儲將兑現其今年實施兩次降息承諾的想法。</p>
</div><p>The macroeconomic figures have been strong so far, so there is a good chance that SoFi will increase the guidance more. All of these reasons are why SOFI stock should see a blockbuster 2025, barring a sudden recession, of course.</p>
<div class="lb-trans"><p>宏觀經濟數據迄今為止表現強勁，因此 SoFi 很有可能進一步提高指導。所有這些原因都表明，除非突然出現衰退，否則 SOFI 股票在 2025 年應該會表現出色。</p>
</div><p>The post 3 Reasons SOFI Stock Is Going To Crush the Rest of 2025 appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>這篇文章的標題為《SOFI 股票將在 2025 年剩餘時間內大放異彩的三個原因》，最初發布在 24/7 Wall St.。</p>
</div>

SOFI 股票將在 2025 年剩餘時間內表現優異的 3 個原因