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Shares of online bank SoFi Technologies (SOFI -2.41%) soared 55% in 2024, according to data provided by S&P Global Market Intelligence. The company reported positive net income every quarter, grew its platform in multiple ways, and successfully managed through high interest rates.Leading the way to digital bankingSoFi is an all-digital bank that's adding members and revenue at a fast rate. Its stock exploded when it first went public a few years ago as part of the craze for special purpose acquisition compa ...

SoFi (SOFI -2.48%) has been one of the hottest stocks in the market recently, with shares up by 137% in the past six months. But there are some good reasons it isn't too late to invest in SoFi.Many reasons to still love SoFiThere's a lot to like about SoFi. Just to name a few reasons you still may want to invest in SoFi:Momentum is still strong. In the most recent quarter, SoFi's user base grew by 35% year over year.SoFi has massive potential in credit cards. None of its three credit cards are particularly ...

SoFi (SOFI 5.03%) is one of my highest-conviction stock ideas as we head into 2025. Not only has the fintech company maintained fantastic growth momentum for several years, including during 2022's bear market, but its business seems to be at an inflection point in terms of profitability and mainstream adoption.To be fair, it was difficult to narrow my predictions down to just three. For example, I think SoFi will surprise the market with its deposit growth, loan performance, and its Galileo tech platform, j ...

SoFi Technologies (NASDAQ: SOFI) is crashing as 2025 begins, despite analysts expressing a mix of optimism and caution about its prospects.Shares of SoFi Technologies fell 6% on January 2 after a downgrade by KBW, which raised concerns over the company’s high valuation and ambitious financial targets, as TipRanks reported.The analysts set a price target of $8, almost 50% below SoFi’s last closing price of $14.13, further cooling the momentum of a rally that saw the stock nearly double since October. SOFI fi ...

公司概况 - SoFi成立于2011年，最初专注于提供学生贷款，随后扩展至抵押贷款、汽车贷款、个人贷款、信用卡、保险服务、遗产规划和股票投资工具等领域 [12] - 公司于2021年6月1日通过与特殊目的收购公司（SPAC）合并上市，开盘价为21.97美元 [11] - 2022年，公司获得美国银行牌照，并推出纯数字直接银行，通过AI算法优化和自动化其金融科技服务 [7] 业务增长 - SoFi的会员数量从2020年底的252万增长到2024年第三季度的937万，产品数量从185万增长到1365万 [3] - 2020年至2023年，公司调整后收入从6.21亿美元增长至20.7亿美元，复合年增长率为49% [13] - 2023年，公司调整后EBITDA达到4.32亿美元，复合年增长率为279% [13] - 2024年，公司预计调整后收入增长22%-23%，调整后EBITDA增长48%-49% [15] 市场表现 - 公司股票目前交易价格约为16美元，低于上市开盘价21.97美元 [6] - 公司企业价值为162亿美元，估值为明年销售额的5倍和调整后EBITDA的18倍 [19] - 分析师预计2023年至2026年，公司收入复合年增长率为19%，调整后EBITDA复合年增长率为44% [15] 业务挑战 - 利率上升使新贷款吸引力下降，学生贷款业务因2020年3月至2023年9月的联邦冻结而受挫 [4] - 公司未达到合并前的预测，2023年调整后净收入为21.1亿美元，调整后EBITDA为4.84亿美元 [8] 未来展望 - 美联储在2024年三次降息，预计2025年至少再降息两次，学生贷款业务逐渐稳定 [14] - 公司通过与非银行机构合作，如与Fortress Investment Group签署20亿美元协议，以增加费用收入而不增加杠杆 [18] - 分析师预计2024年至2026年，公司每股收益复合年增长率为90% [15] 投资观点 - 19位分析师中，仅3位给予卖出评级，公司股价已高于平均目标价11.66美元，但仍低于最高目标价20美元 [16] - 公司股票在20美元以下可能具有投资价值，因其增长潜力相对估值不高 [19]

公司股价表现 - SoFi股价在过去三年内波动不大 2021年12月22日投资1000美元 截至2024年底价值为1024美元 [1] - SoFi股价在2024年表现优异 成为金融板块最佳表现之一 但自2021年中期上市以来经历了过山车般的波动 [5] - SoFi股价在2024年中期开始复苏 过去六个月涨幅高达145% [6] 公司上市及早期表现 - SoFi于2021年中期通过SPAC方式上市 当时正值SPAC热潮 许多公司通过此方式上市获得巨大动力 [5] - SoFi上市首日收盘价为22.65美元 比2024年底的当前价格高出34% [3] - SPAC热潮消退后 SoFi股价大幅下跌 三年前处于急剧下跌的早期阶段 [3] 投资回报分析 - 尽管三年后投资金额大致相同 但投资路径并非直线 [4] - 三年内SoFi股价仅上涨1.7% 但背后有更多值得分析的内容 [2]

SoFi Technologies (SOFI 1.82%) is only the 67th-largest U.S. bank by assets, but it's caught a lot of attention for its all-digital, high-growth platform. The lending and financial services platform has graduated from a hyped-up, overvalued, and unprofitable business to a solid, proven, and a profitable one.However, it still looks like SoFi's shares sport a premium price tag on the surface, but it might not be as expensive as you think. Let's see why. Take a look at this chartAccording to standard valuation ...

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The latest trading session saw SoFi Technologies, Inc. (SOFI) ending at $15.63, denoting a +1.82% adjustment from its last day's close. The stock's change was more than the S&P 500's daily gain of 0.73%. Elsewhere, the Dow saw an upswing of 0.16%, while the tech-heavy Nasdaq appreciated by 0.98%.Heading into today, shares of the company had lost 1.6% over the past month, outpacing the Finance sector's loss of 2.93% and lagging the S&P 500's gain of 0.34% in that time.The investment community will be paying ...