<p><strong>SoFi Technologies</strong>(SOFI -0.24%) 繼續以其卓越的表現和廣闊的機會吸引投資者。該金融科技股票在 2025 年迄今上漲約 72%，但它可能會更高。如果你今天有 1000 美元可以投資，並且在尋找一隻優秀的成長股，考慮一下 SoFi。以下是原因。</p>
<h2>爬向頂峯</h2>
<p>SoFi 是一家相對年輕的全數字銀行。它將投資傾注於技術和營銷，而不是昂貴的分支辦公室房地產，隨着規模的擴大，這種做法帶來了高銷售額和成本效率。</p>
<p>該公司最初是為大學生提供貸款的合作社，貸款仍然是其核心業務。然而，管理層早期就設想了更大的藍圖，並擴展了平台，涵蓋了大量銀行服務。它在幾年前收購 Golden Pacific Bancorp 時做出了明智的決定，獲得了銀行特許經營，從而開放了更多的產品選擇。那時，銀行特許經營意味着它必須關閉其加密貨幣交易業務，但新的法規讓它恢復了該服務，SoFi 正在推出許多新的解決方案，涵蓋傳統產品和創新的技術驅動服務。</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>圖片來源：SoFi Technologies。</p>
<p>這種雙重關注，使其處於一個值得信賴、可靠的銀行與以創新為先的數字銀行的交匯點，贏得了客户的讚譽，客户紛紛註冊賬户。事實上，即使在規模擴大時，它的註冊人數也創下了新高。在 2025 年第二季度，它新增了 850,000 個賬户，同比增長 34%。</p>
<p>其策略的一部分是交叉銷售，這一過程正在逐步進行。其核心客户仍然是學生或專業人士，通常是在第一份工作中，剛開始接觸個人財務管理。然而，這是一羣受過教育、向上流動的人羣，他們的財務需求正在增長。產品的增加速度超過了新會員的獲取，第二季度新增了 130 萬個新產品；35% 的新產品是由現有賬户持有人開設的。</p>
<p>大部分增長髮生在金融服務領域，即所有非貸款的單獨產品。SoFi 還有一個稱為 Tech Platform 的企業對企業金融科技基礎設施部門。金融服務繼續推動公司的業績，貢獻了 106% 的收入增長。這些大多是基於費用的低成本產品，導致強勁的利潤率，增加了底線。金融服務的貢獻利潤在第二季度增長了 241%，達到 1.88 億美元，接近貸款業務的利潤。</p>
<p>貸款業務在高利率的壓力下也在反彈，進一步增強了積極的前景。所有貸款類別都在增長，個人貸款發放增長 66%，學生貸款增長 35%，住房貸款增長 92%。</p>
<p>第二季度總調整後淨收入同比增長 44%，每股收益（EPS）從去年的 0.01 美元上升至今年的 0.08 美元。</p>
<p>首席執行官 Anthony Noto 設想 SoFi 成為美國前十的金融機構，並繼續超越競爭對手。</p>
<h2>風險與回報</h2>
<p>考慮到對 SoFi 的熱情和其近期的股價上漲，SoFi 的股票今天並不便宜。它的交易市盈率為 47 倍，市淨率為 4.5 倍。</p>
<p>由於仍然年輕並在努力改善其信用指標，因此面臨的風險超過了典型的成熟銀行。與其他銀行一樣，它也受到利率變化的影響，但在應對變化事件時並沒有多年的經驗。</p>
<p>然而，它在過去幾年中表現出色，使其在未來經濟挑戰中更具實力。</p>
<p>SoFi 的股票並不適合最為保守的投資者，但如果你在尋找一隻優秀的成長股，SoFi 是一個很好的選擇。</p>

SOFI

<p>SoFi Technologies (SOFI) 展現了令人印象深刻的增長，預計在 2025 年增長 72%。這家數字銀行專注於技術和市場營銷，將服務範圍從學生貸款擴展到全面的銀行產品。在 2025 年第二季度，SoFi 新增了 850,000 個賬户，同比增長 34%，並且金融服務收入增長了 106%。儘管其交易價格為未來收益的 47 倍，SoFi 仍然具備增長潛力，對於願意承擔一定風險的投資者來説，是一個引人注目的投資選擇</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%) 繼續以其卓越的表現和廣闊的機會吸引投資者。該金融科技股票在 2025 年迄今上漲約 72%，但它可能會更高。如果你今天有 1000 美元可以投資，並且在尋找一隻優秀的成長股，考慮一下 SoFi。以下是原因。</p>
</div><h2>Climbing to the top</h2>
<div class="lb-trans"><h2>爬向頂峯</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 是一家相對年輕的全數字銀行。它將投資傾注於技術和營銷，而不是昂貴的分支辦公室房地產，隨着規模的擴大，這種做法帶來了高銷售額和成本效率。</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>該公司最初是為大學生提供貸款的合作社，貸款仍然是其核心業務。然而，管理層早期就設想了更大的藍圖，並擴展了平台，涵蓋了大量銀行服務。它在幾年前收購 Golden Pacific Bancorp 時做出了明智的決定，獲得了銀行特許經營，從而開放了更多的產品選擇。那時，銀行特許經營意味着它必須關閉其加密貨幣交易業務，但新的法規讓它恢復了該服務，SoFi 正在推出許多新的解決方案，涵蓋傳統產品和創新的技術驅動服務。</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>圖片來源：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>這種雙重關注，使其處於一個值得信賴、可靠的銀行與以創新為先的數字銀行的交匯點，贏得了客户的讚譽，客户紛紛註冊賬户。事實上，即使在規模擴大時，它的註冊人數也創下了新高。在 2025 年第二季度，它新增了 850,000 個賬户，同比增長 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銷售，這一過程正在逐步進行。其核心客户仍然是學生或專業人士，通常是在第一份工作中，剛開始接觸個人財務管理。然而，這是一羣受過教育、向上流動的人羣，他們的財務需求正在增長。產品的增加速度超過了新會員的獲取，第二季度新增了 130 萬個新產品；35% 的新產品是由現有賬户持有人開設的。</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>大部分增長髮生在金融服務領域，即所有非貸款的單獨產品。SoFi 還有一個稱為 Tech Platform 的企業對企業金融科技基礎設施部門。金融服務繼續推動公司的業績，貢獻了 106% 的收入增長。這些大多是基於費用的低成本產品，導致強勁的利潤率，增加了底線。金融服務的貢獻利潤在第二季度增長了 241%，達到 1.88 億美元，接近貸款業務的利潤。</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>貸款業務在高利率的壓力下也在反彈，進一步增強了積極的前景。所有貸款類別都在增長，個人貸款發放增長 66%，學生貸款增長 35%，住房貸款增長 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>第二季度總調整後淨收入同比增長 44%，每股收益（EPS）從去年的 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>首席執行官 Anthony Noto 設想 SoFi 成為美國前十的金融機構，並繼續超越競爭對手。</p>
</div><h2>Risk vs. reward</h2>
<div class="lb-trans"><h2>風險與回報</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>考慮到對 SoFi 的熱情和其近期的股價上漲，SoFi 的股票今天並不便宜。它的交易市盈率為 47 倍，市淨率為 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>由於仍然年輕並在努力改善其信用指標，因此面臨的風險超過了典型的成熟銀行。與其他銀行一樣，它也受到利率變化的影響，但在應對變化事件時並沒有多年的經驗。</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，它在過去幾年中表現出色，使其在未來經濟挑戰中更具實力。</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 的股票並不適合最為保守的投資者，但如果你在尋找一隻優秀的成長股，SoFi 是一個很好的選擇。</p>
</div>

目前投資 1000 美元的最佳成長股