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2021-10-14

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SoFi stock rose 3.6% in premarket trading<blockquote>SoFi股价在盘前交易中上涨3.6%</blockquote>

SoFi stock rose 3.6% in premarket trading as Morgan Stanley initiated coverage of SoFi with an Overw

SoFi stock rose 3.6% in premarket trading<blockquote>SoFi股价在盘前交易中上涨3.6%</blockquote>

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{"i18n":{"language":"zh_CN"},"data":{"magic":2,"id":825348173,"tweetId":"825348173","gmtCreate":1634205304806,"gmtModify":1634205304879,"author":{"id":3577669283580561,"idStr":"3577669283580561","authorId":3577669283580561,"authorIdStr":"3577669283580561","name":"siawli","avatar":"https://static.tigerbbs.com/0702fb7dc50a8941aaf047d4f82e84c8","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":11,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":9,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"extraTitle":"","html":"<html><head></head><body>💃🏻</body></html>","htmlText":"<html><head></head><body>💃🏻</body></html>","text":"💃🏻","highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/825348173","repostId":1139633978,"repostType":4,"repost":{"id":"1139633978","kind":"news","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1634201918,"share":"https://www.laohu8.com/m/news/1139633978?lang=zh_CN&edition=full","pubTime":"2021-10-14 16:58","market":"us","language":"en","title":"SoFi stock rose 3.6% in premarket trading<blockquote>SoFi股价在盘前交易中上涨3.6%</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1139633978","media":"Tiger Newspress","summary":"SoFi stock rose 3.6% in premarket trading as Morgan Stanley initiated coverage of SoFi with an Overw","content":"SoFi stock rose 3.6% in premarket trading&nbsp;as&nbsp;Morgan Stanley&nbsp;initiated coverage of SoFi with an Overweight (i.e. Buy) rating and $25 price target.<blockquote>由于大摩首次对SoFi给予跑赢大盘（即买入）评级和25美元的目标价，SoFi股价在盘前交易中上涨3.6%。</blockquote> <img src=\"https://static.tigerbbs.com/07a5b9f3453324b84a0e3eff89ec6199\" tg-width=\"848\" tg-height=\"620\" width=\"100%\" height=\"auto\"><blockquote></blockquote> The hardest part of consumer finance, according to Morgan Stanley’s&nbsp;Betsy Graseck, is lending. Outlining the bullish case for SoFi Technologies (SOFI), the company being a specialist in this specific segment is a major differentiator.<blockquote>摩根士丹利(Morgan Stanley)的贝齐·格拉塞克(Betsy Graseck)表示，消费金融最困难的部分是贷款。概述SoFi Technologies的看涨理由（索菲），该公司作为该特定细分市场的专家是一个主要的差异化因素。</blockquote> “SoFi is unique,” says Graseck. “It is a challenger consumer finance company that is leading with lending; specifically refinancing a high yield student loan into a lower rate.”<blockquote>“SoFi是独一无二的，”Graseck说。“它是一家挑战者消费金融公司，在贷款方面处于领先地位；特别是将高收益学生贷款再融资为较低利率。”</blockquote> Lending is particularly difficult as it requires understanding of credit and demands a high level of customer service. But helping to solve a consumer’s cash flow issue and leaving them with more cash on tap, rewards with “higher customer loyalty.” This lending first model “generates customer leads for SoFi’s other services,” of which there are plenty.<blockquote>贷款尤其困难，因为它需要了解信用，并要求高水平的客户服务。但帮助解决消费者的现金流问题并为他们留下更多可用现金，会带来“更高的客户忠诚度”。这种贷款优先模式“为SoFi的其他服务创造了客户线索”，其中有很多。</blockquote> Graseck uses the case of a post grad professional – HENRY – a “High Earner, Not Rich Yet customer,” who represents SOFI’s current core customer but is on “everyone’s target customer list.”<blockquote>Graseck以一位研究生专业人士HENRY为例，他是一位“高收入者，但还不富裕的客户”，代表SOFI当前的核心客户，但却在“每个人的目标客户名单”上。</blockquote> Getting HENRY a “higher cash flow post a student loan refi,” has impacted his life. Now HENRY is “receptive to cross-buy opportunities into SoFi’s growing Financial Services product set, particularly brokerage, card, and mortgage.”<blockquote>让亨利获得“学生贷款再融资后更高的现金流”影响了他的生活。现在，亨利“愿意接受SoFi不断增长的金融服务产品集的交叉购买机会，特别是经纪、信用卡和抵押贷款。”</blockquote> This is not just fiction, the data backs up the story. SoFi’s customers have been “ramping their cross buy,” and now make up 24% of SoFi’s total products.<blockquote>这不仅仅是虚构的，数据支持了这个故事。SoFi的客户一直在“增加交叉购买”，目前占SoFi产品总数的24%。</blockquote> And after more than doubling the customer base over the past year from 1.2 million to 2.6 million, over the next two years, Graseck expects it to double again and reach 5.3 million. As the customer set doubles and SoFi “expands its product offerings,” the analyst believes Financial Services revenue growth will increase at a ~150% CAGR (compound annual growth rate) over the next 2 years.<blockquote>在过去一年中，客户群增加了一倍多，从120万增加到260万，Graseck预计未来两年客户群将再次增加一倍，达到530万。随着客户群翻倍以及SoFi“扩大其产品范围”，分析师认为未来两年金融服务收入将以约150%的CAGR（复合年增长率）增长。</blockquote> Adding to the bull case, the next 6 months could see two meaningful catalysts drive “faster revenue growth and positive revisions to management guidance.”<blockquote>除了牛市之外，未来6个月可能会出现两个有意义的催化剂，推动“更快的收入增长和对管理指导的积极修正”。</blockquote> First off, a surge in student loan volumes – a 70% increase, according to Graseck – should follow the expiration of the government’s student loan deferment program.<blockquote>首先，政府的学生贷款延期计划到期后，学生贷款量应该会激增——根据Graseck的说法，增长了70%。</blockquote> Secondly, there’s the prospective approval of SoFi’s bank charter. “This alone could boost total revenues by ~10% in its first full year given benefits to NIM (net interest margin),” the analyst noted.<blockquote>其次，SoFi的银行章程有望获得批准。该分析师指出：“考虑到NIM（净息差）的好处，仅此一项就可以在第一个全年将总收入提高约10%。”</blockquote> Accordingly, Graseck initiated coverage of SoFi with an Overweight (i.e. Buy) rating and $25 price target. Investors could be pocketing gains of ~33%, should Graseck’s forecast hit the mark over the next 12 months.<blockquote>因此，Graseck首次对SoFi给予跑赢大盘（即买入）评级和25美元的目标价。如果Graseck的预测在未来12个月内达到目标，投资者可能会获得约33%的收益。</blockquote> The rest of the Street is almost just as effusive, projecting 12-month returns of ~31%, given the average price target clocks in at $24.58. Barring 1 Hold, all 5 other recent reviews are to Buy, culminating in the stock’s Strong Buy consensus rating.<blockquote>考虑到平均目标价为24.58美元，华尔街的其他人几乎同样热情洋溢，预计12个月的回报率约为31%。除1条持有外，最近所有5条评论均为买入，最终获得该股强烈买入共识评级。</blockquote> <img src=\"https://static.tigerbbs.com/f6c91925bf747fb093b6ec6942bde326\" tg-width=\"1207\" tg-height=\"613\" referrerpolicy=\"no-referrer\"><blockquote></blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SoFi stock rose 3.6% in premarket trading<blockquote>SoFi股价在盘前交易中上涨3.6%</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSoFi stock rose 3.6% in premarket trading<blockquote>SoFi股价在盘前交易中上涨3.6%</blockquote>\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\nTiger Newspress \n2021-10-14 16:58\n</div>\n</a>\n</h4>\n</header>\n<article>\nSoFi stock rose 3.6% in premarket trading&nbsp;as&nbsp;Morgan Stanley&nbsp;initiated coverage of SoFi with an Overweight (i.e. Buy) rating and $25 price target.<blockquote>由于大摩首次对SoFi给予跑赢大盘（即买入）评级和25美元的目标价，SoFi股价在盘前交易中上涨3.6%。</blockquote> <img src=\"https://static.tigerbbs.com/07a5b9f3453324b84a0e3eff89ec6199\" tg-width=\"848\" tg-height=\"620\" width=\"100%\" height=\"auto\"><blockquote></blockquote> The hardest part of consumer finance, according to Morgan Stanley’s&nbsp;Betsy Graseck, is lending. Outlining the bullish case for SoFi Technologies (SOFI), the company being a specialist in this specific segment is a major differentiator.<blockquote>摩根士丹利(Morgan Stanley)的贝齐·格拉塞克(Betsy Graseck)表示，消费金融最困难的部分是贷款。概述SoFi Technologies的看涨理由（索菲），该公司作为该特定细分市场的专家是一个主要的差异化因素。</blockquote> “SoFi is unique,” says Graseck. “It is a challenger consumer finance company that is leading with lending; specifically refinancing a high yield student loan into a lower rate.”<blockquote>“SoFi是独一无二的，”Graseck说。“它是一家挑战者消费金融公司，在贷款方面处于领先地位；特别是将高收益学生贷款再融资为较低利率。”</blockquote> Lending is particularly difficult as it requires understanding of credit and demands a high level of customer service. But helping to solve a consumer’s cash flow issue and leaving them with more cash on tap, rewards with “higher customer loyalty.” This lending first model “generates customer leads for SoFi’s other services,” of which there are plenty.<blockquote>贷款尤其困难，因为它需要了解信用，并要求高水平的客户服务。但帮助解决消费者的现金流问题并为他们留下更多可用现金，会带来“更高的客户忠诚度”。这种贷款优先模式“为SoFi的其他服务创造了客户线索”，其中有很多。</blockquote> Graseck uses the case of a post grad professional – HENRY – a “High Earner, Not Rich Yet customer,” who represents SOFI’s current core customer but is on “everyone’s target customer list.”<blockquote>Graseck以一位研究生专业人士HENRY为例，他是一位“高收入者，但还不富裕的客户”，代表SOFI当前的核心客户，但却在“每个人的目标客户名单”上。</blockquote> Getting HENRY a “higher cash flow post a student loan refi,” has impacted his life. Now HENRY is “receptive to cross-buy opportunities into SoFi’s growing Financial Services product set, particularly brokerage, card, and mortgage.”<blockquote>让亨利获得“学生贷款再融资后更高的现金流”影响了他的生活。现在，亨利“愿意接受SoFi不断增长的金融服务产品集的交叉购买机会，特别是经纪、信用卡和抵押贷款。”</blockquote> This is not just fiction, the data backs up the story. SoFi’s customers have been “ramping their cross buy,” and now make up 24% of SoFi’s total products.<blockquote>这不仅仅是虚构的，数据支持了这个故事。SoFi的客户一直在“增加交叉购买”，目前占SoFi产品总数的24%。</blockquote> And after more than doubling the customer base over the past year from 1.2 million to 2.6 million, over the next two years, Graseck expects it to double again and reach 5.3 million. As the customer set doubles and SoFi “expands its product offerings,” the analyst believes Financial Services revenue growth will increase at a ~150% CAGR (compound annual growth rate) over the next 2 years.<blockquote>在过去一年中，客户群增加了一倍多，从120万增加到260万，Graseck预计未来两年客户群将再次增加一倍，达到530万。随着客户群翻倍以及SoFi“扩大其产品范围”，分析师认为未来两年金融服务收入将以约150%的CAGR（复合年增长率）增长。</blockquote> Adding to the bull case, the next 6 months could see two meaningful catalysts drive “faster revenue growth and positive revisions to management guidance.”<blockquote>除了牛市之外，未来6个月可能会出现两个有意义的催化剂，推动“更快的收入增长和对管理指导的积极修正”。</blockquote> First off, a surge in student loan volumes – a 70% increase, according to Graseck – should follow the expiration of the government’s student loan deferment program.<blockquote>首先，政府的学生贷款延期计划到期后，学生贷款量应该会激增——根据Graseck的说法，增长了70%。</blockquote> Secondly, there’s the prospective approval of SoFi’s bank charter. “This alone could boost total revenues by ~10% in its first full year given benefits to NIM (net interest margin),” the analyst noted.<blockquote>其次，SoFi的银行章程有望获得批准。该分析师指出：“考虑到NIM（净息差）的好处，仅此一项就可以在第一个全年将总收入提高约10%。”</blockquote> Accordingly, Graseck initiated coverage of SoFi with an Overweight (i.e. Buy) rating and $25 price target. Investors could be pocketing gains of ~33%, should Graseck’s forecast hit the mark over the next 12 months.<blockquote>因此，Graseck首次对SoFi给予跑赢大盘（即买入）评级和25美元的目标价。如果Graseck的预测在未来12个月内达到目标，投资者可能会获得约33%的收益。</blockquote> The rest of the Street is almost just as effusive, projecting 12-month returns of ~31%, given the average price target clocks in at $24.58. Barring 1 Hold, all 5 other recent reviews are to Buy, culminating in the stock’s Strong Buy consensus rating.<blockquote>考虑到平均目标价为24.58美元，华尔街的其他人几乎同样热情洋溢，预计12个月的回报率约为31%。除1条持有外，最近所有5条评论均为买入，最终获得该股强烈买入共识评级。</blockquote> <img src=\"https://static.tigerbbs.com/f6c91925bf747fb093b6ec6942bde326\" tg-width=\"1207\" tg-height=\"613\" referrerpolicy=\"no-referrer\"><blockquote></blockquote>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1139633978","content_text":"SoFi stock rose 3.6% in premarket trading as Morgan Stanley initiated coverage of SoFi with an Overweight (i.e. Buy) rating and $25 price target.\n\nThe hardest part of consumer finance, according to Morgan Stanley’s Betsy Graseck, is lending. Outlining the bullish case for SoFi Technologies (SOFI), the company being a specialist in this specific segment is a major differentiator.\n“SoFi is unique,” says Graseck. “It is a challenger consumer finance company that is leading with lending; specifically refinancing a high yield student loan into a lower rate.”\nLending is particularly difficult as it requires understanding of credit and demands a high level of customer service. But helping to solve a consumer’s cash flow issue and leaving them with more cash on tap, rewards with “higher customer loyalty.” This lending first model “generates customer leads for SoFi’s other services,” of which there are plenty.\nGraseck uses the case of a post grad professional – HENRY – a “High Earner, Not Rich Yet customer,” who represents SOFI’s current core customer but is on “everyone’s target customer list.”\nGetting HENRY a “higher cash flow post a student loan refi,” has impacted his life. Now HENRY is “receptive to cross-buy opportunities into SoFi’s growing Financial Services product set, particularly brokerage, card, and mortgage.”\nThis is not just fiction, the data backs up the story. SoFi’s customers have been “ramping their cross buy,” and now make up 24% of SoFi’s total products.\nAnd after more than doubling the customer base over the past year from 1.2 million to 2.6 million, over the next two years, Graseck expects it to double again and reach 5.3 million. As the customer set doubles and SoFi “expands its product offerings,” the analyst believes Financial Services revenue growth will increase at a ~150% CAGR (compound annual growth rate) over the next 2 years.\nAdding to the bull case, the next 6 months could see two meaningful catalysts drive “faster revenue growth and positive revisions to management guidance.”\nFirst off, a surge in student loan volumes – a 70% increase, according to Graseck – should follow the expiration of the government’s student loan deferment program.\nSecondly, there’s the prospective approval of SoFi’s bank charter. “This alone could boost total revenues by ~10% in its first full year given benefits to NIM (net interest margin),” the analyst noted.\nAccordingly, Graseck initiated coverage of SoFi with an Overweight (i.e. Buy) rating and $25 price target. Investors could be pocketing gains of ~33%, should Graseck’s forecast hit the mark over the next 12 months.\nThe rest of the Street is almost just as effusive, projecting 12-month returns of ~31%, given the average price target clocks in at $24.58. Barring 1 Hold, all 5 other recent reviews are to Buy, culminating in the stock’s Strong Buy consensus rating.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"tweetType":1,"viewCount":3299,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":4,"xxTargetLangEnum":"ZH_CN"},"commentList":[],"hasMoreComment":false,"orderType":2}