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Is SoFi Stock the Smartest Investment You Can Make Today?
The Motley Fool· 2025-05-01 18:50
公司业绩表现 - 第一季度调整后收入同比增长33%至7.71亿美元创历史记录[2] - 金融服务部门净收入翻倍非利息收入增长321%[2] - 第一季度净利润7100万美元净利润率9.2%连续第六个季度实现GAAP盈利[6] - 贷款冲销率2.37%较2024年第一季度显著改善[7] 业务增长亮点 - 会员数量达1090万同比增长34%[5] - 住房贷款发放量同比增长54%[4] - 计划推出针对优质信用卡客户的个人贷款产品及SmartStart学生贷款再融资产品[4] - 全数字化模式具有高度可扩展性可能推动长期盈利增长[8] 财务指标与估值 - 股价较2021年2月历史高点低48%[9] - 远期市盈率52倍[10] - 2025-2027年每股收益预计年复合增长69%[10] 行业对比 - 摩根大通第一季度净利润率32.3%被视为行业黄金标准[7] - 公司业务模式与摩根大通不同后者拥有大型商业银行资本市场和资产管理业务[8]
SoFi Member Deposits Grow to $27.3 Billion and Cross-Selling Accelerates
PYMNTS.com· 2025-04-30 00:19
Highlights SoFi’s platform is gaining momentum, adding 800,000 new members and 1.2 million new products, representing 34% and 35% year-on-year growth, respectively. Personal loan borrowers have a weighted average income of $158,000 and a weighted average FICO score of 743. SoFi is diversifying its offerings and increasing fee-based revenue. SoFi Technologies posted first-quarter earnings results Tuesday (April 29) that showed continued growth in deposits and debit spending, as well as a roadmap ...