About this content About William Farrington William kickstarted his career as a researcher and reporter for a global legal publication, covering everything from public law to M&A. Before moving to Proactive Investors, he worked as a reporter for a major fintech company with a focus on cryptocurrency and blockchain technology. Harking from Queensland, Australia, William obtained first-class honours in journalism and media from Birkbeck University before going on to complete an MA in creative and critical ...

SoFi Technologies’ (NASDAQ:SOFI) stock surged 16% on Monday after it reported its fourth-quarter earnings, exceeding expectations and demonstrating growth across its business lines. The fintech firm’s strong performance was driven by accelerating revenue growth and expanding margins.For the fourth quarter of 2023, SoFi reported a significant increase in both GAAP net revenue and adjusted net revenue compared to the prior-year period. Total GAAP net revenue reached $615 million, up 35% year over year, beatin ...

SAN FRANCISCO--(BUSINESS WIRE)--SoFi (NASDAQ: SOFI), the all-in-one digital personal finance company, announced today that SoFi Invest members will now be able to invest in select alternative investment funds, mutual funds, and money market funds. With the launch of alternative investments, SoFi is granting everyday investors access to the power to build and protect their wealth through investment opportunities traditionally reserved for the ultra wealthy. Initially, SoFi will offer over 6,000 different ...

公司业绩 - 公司第四季度净收入为4800万美元，每股盈利2美分，而去年同期亏损4000万美元，每股亏损5美分[2] - SoFi报告的调整前息税折旧及摊销前利润（EBITDA）为1.81亿美元，较去年同期的7000万美元增长[3] - 总净收入为6.15亿美元，较去年同期增长35%[4] 贷款发放情况 - 个人贷款的发放量第四季度增长了31%[6] - 学生贷款和房屋贷款的发放量分别增长了95%和193%[6] 股价表现 - 股价在盘前交易中上涨了11%[7] 预测展望 - 公司预计第一季度调整后净收入为5.5亿至5.6亿美元，调整后EBITDA为1.1亿至1.2亿美元[5] - 管理层预计公司将继续在第一季度实现盈利，预计按照美国通用会计准则（GAAP）净收入为1千万至2千万美元，FactSet的共识预期为800万美元[8] - 公司预计全年每股盈利为7至8美分，而分析师此前预计为5美分[9]

公司业绩 - SoFi Technologies, Inc.报告了截至2023年12月31日的第四季度和财年的财务业绩，包括创纪录的调整后净收入达到5.94亿美元，连续第11个季度创纪录[1] - 公司在第四季度新增会员近58.5万人，总会员数超过750万人，产品总数增长41%至1100万个[1] - SoFi Bank, N.A.在第四季度实现了1.286亿美元的GAAP净收入，净息差达到6.02%，年化资本回报率为16.8%[1] - 第四季度和全年2023年，SoFi的调整后EBITDA分别为1.812亿美元和4.317亿美元，同比增长159%和201%[1] - 在金融服务部门，贡献利润达到2,510万美元，较2023年第三季度的首次正贡献利润增长近8倍，贡献率环比增长15%[1] 技术平台业务 - 技术平台收入达到9690万美元，同比增长13%，利润率为32%，较去年同期提高12个百分点[1] - SoFi在第四季度个人贷款额达32.2亿美元，同比增长31%，全年个人贷款额达138亿美元，同比增长41%[1] - 技术平台部门2023年第四季度和全年的净收入分别为9690万美元和3.523亿美元，较去年同期增长13%和12%[32] - 2023年第四季度的增长主要受到现有合作伙伴的持续有机增长、新产品采用以及近6个月内推出的多样化客户的显著贡献驱动[33] 金融服务业务 - 金融服务部门2023年第四季度净收入增长115%，全年增长160%，主要得益于交换收入和净利息收入的增长，公司在季度内的借记交易额超过了15亿美元[37] - 2023年第四季度，SoFi Money产品增加了近31.1万，Relay产品增加了超过37.8万，SoFi Invest产品减少了8.4万，但在调整后排除已关闭数字资产业务的账户后，季度内产品增加了超过11.3万[41] - SoFi Money产品截至2024年1月29日的年化收益率为4.60%，无最低余额要求，FDIC保险额度高达200万美元，提供一系列免费功能和独特的奖励计划[42]

Key PointsThe tech sector could show signs of a top at all-time highs, but not all stocks are equal.If you want to invest in the consumer financing industry within tech, the market is trying to tell you something, that's if you know where to look.The evidence supports that SoFi could bring you a double-digit catch-up to the rest of the pack; markets are all over the trend already,5 stocks we like better than NetflixMany market participants have become weary of the new all-time highs being pushed out by the ...

公司发展 - SoFi是一家知名的金融科技公司，最初以其核心学生贷款再融资业务而闻名，但在2020年以12亿美元收购Galileo Financial Technologies后，公司显著转型进入其他关键业务领域[1] - SoFi已经从一个简单的学生贷款平台发展成为一个多功能银行生态系统，上一季度贷款收入增长48%，导致同比净利息收入增长90%[3] - 除了贷款部门，SoFi的非贷款部门收入增长率达到67%，整体收入增长27%，上一季度新增了70万名会员和100万个产品注册，投资者对未来的数字持乐观态度[4] 股票评估 - 在评估股票价值时，SOFI股票被认为是以公平估值交易的公司，仅以3.9倍销售额交易，投资者似乎没有将长期增长率定价得很高，公司的完全运作生态系统有望在长期内推动其收入和盈利大幅增长[6] - 我认为，在SPAC价格每股10美元以下购买SOFI股票是一个不错的交易，尤其是对于那些看好金融科技行业未来前景的投资者[7] 公司优势 - SoFi作为金融科技颠覆者，有潜力将传统银行业革新为更具创新性和更适应技术进步的形式，公司不再仅依赖学生贷款、抵押贷款和个人贷款作为其实力来源，未来有望稳步增长[8] - SoFi拥有数字银行功能，为公司提供了竞争优势，通过移动支票存款、账单支付和简化的客户服务，平台每次都为用户提供流畅的交易[9] 投资建议 - 如果您希望将资金投入到适应变化并运行在最佳运营效率上的盈利公司中，当前水平下购买SOFI股票似乎是一个引人注目的投资[10]

Investors have been excited about the S&P 500 reaching a new high, but the hope is that it will go much, much higher. That will take time, and the goal in investing is long-term compounding. However, if economic trends continue to be favorable this year, the market could end 2024 on another high.In the short term, investors are waiting for more positive news from companies they watch. SoFi Technologies (SOFI -0.39%) had a knockout 2023, closing out the year with a 116% gain. As January wraps up, SoFi stock ...

Since hitting an all-time high of $25.78 in February 2021, shares of SoFi Technologies (SOFI -0.39%) have cratered 71%. But things improved last year in a major way, as the stock skyrocketed 116% in 2023.Investors are probably looking to ride the momentum to strong portfolio returns going forward. And they might be even more encouraged to learn about a little-known statistic that could boost this business.Let's take a closer look at this fintech stock and why it could be a no-brainer buy in 2024.Resuming pa ...

All eyes are on SoFi (NASDAQ:SOFI) stock heading into the weekend, as the company will report its fourth-quarter and 2023 full-year results on Monday, Jan. 29, before the market open.The quarter is expected to be one to remember, as Wall Street analysts forecast that the personal finance company will report its highest GAAP EPS ever of zero cents. Adjusted EPS is expected to be 4 cents, which would also mark an all-time high for SoFi and the first time that the company reports a positive adjusted EPS. For t ...