BabaFool personal page - To The Moon

BabaFool

BabaFool

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01-11

Let's play monopoly!

01-09

[Cool] [Miser] [Shy] [Happy] [Grin] [Sad] [Miser]

01-05

FYI article writter is just a reporter, doesn't have any sort of finance background at all. Garbage in garbage out.

Sorry, the original content has been removed

01-05

Lol so the reason for downgrade is because shares rise too fast, this is a joke/hit piece to get more views. Price manipulation at its finest.

Sorry, the original content has been removed

01-02

Gogogogogo yahoooo Huat Ah

2023-12-29

Letsss go happy new year' 🎆🎈

2023-12-28

Wooohoo great stuff. Happy new year!

2022-06-20

Lol what a dumb article. What has BNPL got to do with Sofi? Different product, different use case.

Sorry, the original content has been removed

2022-02-16

Let's go

@TigerEvents:Join Tiger Ski Championship, Win a Bonus of Up to USD 2022

2022-01-08

Buy high sell low. Both have very high valuation now.

Sorry, the original content has been removed

2021-12-23

He only said sell enough to cover tax. He didn’t say he is gonna stop selling. 20% more left to sell lols.

Sorry, the original content has been removed

Go to Tiger App to see more news

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play monopoly!","listText":"Let's play monopoly!","text":"Let's play monopoly!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/261916005744808","isVote":1,"tweetType":1,"viewCount":14,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":261270972686384,"gmtCreate":1704797331393,"gmtModify":1704797335962,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"[Cool]&nbsp;&nbsp;[Miser]&nbsp;&nbsp;[Shy]&nbsp;&nbsp;[Happy]&nbsp;&nbsp;[Grin]&nbsp;&nbsp;[Sad]&nbsp;&nbsp;[Miser]&nbsp;&nbsp;","listText":"[Cool]&nbsp;&nbsp;[Miser]&nbsp;&nbsp;[Shy]&nbsp;&nbsp;[Happy]&nbsp;&nbsp;[Grin]&nbsp;&nbsp;[Sad]&nbsp;&nbsp;[Miser]&nbsp;&nbsp;","text":"[Cool] [Miser] [Shy] [Happy] [Grin] [Sad] [Miser]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/261270972686384","isVote":1,"tweetType":1,"viewCount":211,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":259752627953832,"gmtCreate":1704426708000,"gmtModify":1704426712017,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"FYI article writter is just a reporter, doesn't have any sort of finance background at all. Garbage in garbage out.","listText":"FYI article writter is just a reporter, doesn't have any sort of finance background at all. Garbage in garbage out.","text":"FYI article writter is just a reporter, doesn't have any sort of finance background at all. Garbage in garbage out.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/259752627953832","repostId":"2400540878","repostType":2,"isVote":1,"tweetType":1,"viewCount":116,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":259752372637856,"gmtCreate":1704426563791,"gmtModify":1704426568419,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Lol so the reason for downgrade is because shares rise too fast, this is a joke/hit piece to get more views. Price manipulation at its finest.","listText":"Lol so the reason for downgrade is because shares rise too fast, this is a joke/hit piece to get more views. Price manipulation at its finest.","text":"Lol so the reason for downgrade is because shares rise too fast, this is a joke/hit piece to get more views. Price manipulation at its finest.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/259752372637856","repostId":"2400540878","repostType":2,"isVote":1,"tweetType":1,"viewCount":188,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":258617142382608,"gmtCreate":1704172965426,"gmtModify":1704172969529,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Gogogogogo yahoooo Huat Ah","listText":"Gogogogogo yahoooo Huat Ah","text":"Gogogogogo yahoooo Huat Ah","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/258617142382608","isVote":1,"tweetType":1,"viewCount":73,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":257170251362560,"gmtCreate":1703819754170,"gmtModify":1703819758107,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Letsss go happy new year' 🎆🎈&nbsp;","listText":"Letsss go happy new year' 🎆🎈&nbsp;","text":"Letsss go happy new year' 🎆🎈","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/257170251362560","isVote":1,"tweetType":1,"viewCount":181,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":256889286258960,"gmtCreate":1703751012811,"gmtModify":1703751016956,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Wooohoo great stuff. Happy new year!","listText":"Wooohoo great stuff. Happy new year!","text":"Wooohoo great stuff. Happy new year!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/256889286258960","isVote":1,"tweetType":1,"viewCount":175,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9049066293,"gmtCreate":1655723741212,"gmtModify":1676535692897,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Lol what a dumb article. What has BNPL got to do with Sofi? Different product, different use case.","listText":"Lol what a dumb article. What has BNPL got to do with Sofi? Different product, different use case.","text":"Lol what a dumb article. What has BNPL got to do with Sofi? Different product, different use case.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9049066293","repostId":"1149288828","repostType":2,"isVote":1,"tweetType":1,"viewCount":356,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"4103864033944460","authorId":"4103864033944460","name":"PaperPlay","avatar":"https://community-static.tradeup.com/news/f9bd8cbd182d6cb24667a31115671409","crmLevel":4,"crmLevelSwitch":0},"content":"Articles like this destroy retail investors investing experience if they depend on these.","text":"Articles like this destroy retail investors investing experience if they depend on these.","html":"Articles like this destroy retail investors investing experience if they depend on these."}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9094011481,"gmtCreate":1645020845951,"gmtModify":1676533987152,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Let's go","listText":"Let's go","text":"Let's go","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9094011481","repostId":"9004448317","repostType":1,"repost":{"id":9004448317,"gmtCreate":1642676525258,"gmtModify":1676533734534,"author":{"id":"3527667667103859","authorId":"3527667667103859","name":"TigerEvents","avatar":"https://community-static.tradeup.com/news/c266ef25181ace18bec1262357bbe1a8","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"title":"Join Tiger Ski Championship, Win a Bonus of Up to USD 2022","htmlText":"2022 is the Year of Tiger in Chinese lunar calendar, it’s also a special year for Tiger Brokers. To celebrate the special year, we want to invite you to join the ski game presented by Tiger Brokers specially, and it’s very easy and interesting game for users to play. Join the game and win a bonus of up to USD 2022 and limited-edition Tiger Toys Spring Festival and Winter Olympic are both on the way, open your Tiger Trade App and play the ski game with us, win golden medals as many as you can! You could have chance to try Lucky Draw when you win medals.The more medal you win, the bigger bonus you may win! Big Rewards are as follow: <a href=\"https://www.tigerbrokers.com.sg/activity/market/2022/happy-new-year/#/\" target=\"_blank\">Click to Join the Game</a>","listText":"2022 is the Year of Tiger in Chinese lunar calendar, it’s also a special year for Tiger Brokers. To celebrate the special year, we want to invite you to join the ski game presented by Tiger Brokers specially, and it’s very easy and interesting game for users to play. Join the game and win a bonus of up to USD 2022 and limited-edition Tiger Toys Spring Festival and Winter Olympic are both on the way, open your Tiger Trade App and play the ski game with us, win golden medals as many as you can! You could have chance to try Lucky Draw when you win medals.The more medal you win, the bigger bonus you may win! Big Rewards are as follow: <a href=\"https://www.tigerbrokers.com.sg/activity/market/2022/happy-new-year/#/\" target=\"_blank\">Click to Join the Game</a>","text":"2022 is the Year of Tiger in Chinese lunar calendar, it’s also a special year for Tiger Brokers. To celebrate the special year, we want to invite you to join the ski game presented by Tiger Brokers specially, and it’s very easy and interesting game for users to play. Join the game and win a bonus of up to USD 2022 and limited-edition Tiger Toys Spring Festival and Winter Olympic are both on the way, open your Tiger Trade App and play the ski game with us, win golden medals as many as you can! You could have chance to try Lucky Draw when you win medals.The more medal you win, the bigger bonus you may win! Big Rewards are as follow: Click to Join the Game","images":[{"img":"https://static.tigerbbs.com/a7b44fa056439fb4010fa55e163d27c3","width":"750","height":"1726"}],"top":1,"highlighted":1,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9004448317","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":2,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":242,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9006340107,"gmtCreate":1641614761354,"gmtModify":1676533635075,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Buy high sell low. Both have very high valuation now.","listText":"Buy high sell low. Both have very high valuation now.","text":"Buy high sell low. Both have very high valuation now.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9006340107","repostId":"2201214004","repostType":2,"isVote":1,"tweetType":1,"viewCount":498,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9000235648,"gmtCreate":1640193471806,"gmtModify":1676533506297,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"He only said sell enough to cover tax. He didn’t say he is gonna stop selling. 20% more left to sell lols.","listText":"He only said sell enough to cover tax. He didn’t say he is gonna stop selling. 20% more left to sell lols.","text":"He only said sell enough to cover tax. He didn’t say he is gonna stop selling. 20% more left to sell lols.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9000235648","repostId":"2193719048","repostType":2,"isVote":1,"tweetType":1,"viewCount":551,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":9000235648,"gmtCreate":1640193471806,"gmtModify":1676533506297,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"He only said sell enough to cover tax. He didn’t say he is gonna stop selling. 20% more left to sell lols.","listText":"He only said sell enough to cover tax. He didn’t say he is gonna stop selling. 20% more left to sell lols.","text":"He only said sell enough to cover tax. He didn’t say he is gonna stop selling. 20% more left to sell lols.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9000235648","repostId":"2193719048","repostType":2,"isVote":1,"tweetType":1,"viewCount":551,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9049066293,"gmtCreate":1655723741212,"gmtModify":1676535692897,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Lol what a dumb article. What has BNPL got to do with Sofi? Different product, different use case.","listText":"Lol what a dumb article. What has BNPL got to do with Sofi? Different product, different use case.","text":"Lol what a dumb article. What has BNPL got to do with Sofi? Different product, different use case.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9049066293","repostId":"1149288828","repostType":2,"repost":{"id":"1149288828","pubTimestamp":1655714224,"share":"https://www.laohu8.com/m/news/1149288828?lang=&edition=full","pubTime":"2022-06-20 16:37","market":"us","language":"en","title":"Buy, Sell, Or Hold SoFi Stock After Apple’s Announcement?","url":"https://stock-news.laohu8.com/highlight/detail?id=1149288828","media":"InvestorPlace","summary":"SoFi stock investors are panic again for a good reason: Apple","content":"<html><head></head><body><ul><li><b>Sofi Technologies</b> (NASDAQ:<b><u>SOFI</u></b>) investors fled after <b>Apple</b> (NASDAQ:<b><u>AAPL</u></b>) entered the buy now, pay later market</li><li>Fintech despair is real</li><li>SoFi may re-test the 52-week low of $4.82 and head lower</li></ul><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/fab8154a0c2bdfed3f15e221fb58c872\" tg-width=\"1024\" tg-height=\"576\" width=\"100%\" height=\"auto\"/><span>Source: Michael Vi / Shutterstock</span></p><p>When markets staged a late-month rally in May, <b>SoFi Technologies</b> (NASDAQ:<b><u>SOFI</u></b>) joined it. SoFi stock stalled at the 50-day moving average. Thisis a technical resistancewhere selling pressure ended the attempted breakout. <b>Apple’s</b> (NASDAQ:<b><u>AAPL</u></b>) aggressive promotion of Apple Pay last week spooked SoFi investors. The technology giant already offers convenient monthly payment options. Apple will not only charge zero interest, but it will also forgive customers who do not pay back. Furthermore, the credit rating for those customers will not fall because Apple will not report the non-payment.</p><p>Apple’s ambitions to increase adoption of Apple Pay casts doubt on SoFi, a fintech.</p><p><b>Fintech Sell-Off Drags SoFi Stock Lower</b></p><p>Apple’s BNPL announcement shocked investors exposed to credit services and fintech. Last week, <b>PayPal</b> (NASDAQ:<b><u>PYPL</u></b>), <b>Block</b> (NYSE:<b><u>SQ</u></b>), <b>Affirm Holdings</b> (NASDAQ:<b><u>AFRM</u></b>) and <b>Upstart Holdings</b> (NASDAQ:<b><u>UPST</u></b>) fell along with SoFi. Markets are adjusting for the substantial competitive risks ahead.</p><p>Credit balances financially stretched consumers. They have too much debt. They will need time to pay back the amount owed. BNPL will become a growing market. Before Apple announced the offering, markets thought that fintech would have an edge in the market. They bid shares of Affirm for over $176 late last year. PayPal stock traded as high as $310.16 in the last year before markets. Soon, investors realized faced a sharp slowdown in the electronic payment supplier’s core business.</p><p><b>SoFi Has No Moat</b></p><p>The bears are betting big against SoFi. The short float is 18% as negative investors believe SoFi’s business lacks a moat. To outflank established financial institutions like <b>Wells Fargo</b> (NYSE:<b><u>WFC</u></b>) or <b>Bank of America</b> (NYSE:<b><u>BAC</u></b>), SoFi needs above-average customer growth. As market conditions tighten, it will have higher marketing costs. For example, it must offer higher incentives and offer little to no service fees.</p><p>SoFi’s aggressive incentives will likely attract customers who are struggling financially. Conversely, banks have an established infrastructure to service new and existing customers. For example, they have staff to provide customer support in the branch or over the phone.</p><p>SoFi is among the many fintech firms with limited customer support services. Customers who need to talk to a service representative must do so online or through email. The response could take days.</p><p><b>Reduce SoFi From Here</b></p><p>Apple disrupted the fintech market with BNPL. It is willing to forgive customers who do not pay back, albeit only once. Still, customers enjoy that comfort in exchange for using Apple Pay.</p><p>Once attached to Apple Pay, customers have one less reason to sign up for SoFi’s services. Markets are preparing for the severe competition that SoFi faces from here.</p></body></html>","source":"lsy1606302653667","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>Buy, Sell, Or Hold SoFi Stock After Apple’s Announcement?</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: 11px; color: #7E829C; margin: 0;line-height: 11px;}\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\">\nBuy, Sell, Or Hold SoFi Stock After Apple’s Announcement?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-06-20 16:37 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2022/06/buy-sell-or-hold-sofi-stock-after-apples-announcement/><strong>InvestorPlace</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Sofi Technologies (NASDAQ:SOFI) investors fled after Apple (NASDAQ:AAPL) entered the buy now, pay later marketFintech despair is realSoFi may re-test the 52-week low of $4.82 and head lowerSource: ...</p>\n\n<a href=\"https://investorplace.com/2022/06/buy-sell-or-hold-sofi-stock-after-apples-announcement/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://investorplace.com/2022/06/buy-sell-or-hold-sofi-stock-after-apples-announcement/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1149288828","content_text":"Sofi Technologies (NASDAQ:SOFI) investors fled after Apple (NASDAQ:AAPL) entered the buy now, pay later marketFintech despair is realSoFi may re-test the 52-week low of $4.82 and head lowerSource: Michael Vi / ShutterstockWhen markets staged a late-month rally in May, SoFi Technologies (NASDAQ:SOFI) joined it. SoFi stock stalled at the 50-day moving average. Thisis a technical resistancewhere selling pressure ended the attempted breakout. Apple’s (NASDAQ:AAPL) aggressive promotion of Apple Pay last week spooked SoFi investors. The technology giant already offers convenient monthly payment options. Apple will not only charge zero interest, but it will also forgive customers who do not pay back. Furthermore, the credit rating for those customers will not fall because Apple will not report the non-payment.Apple’s ambitions to increase adoption of Apple Pay casts doubt on SoFi, a fintech.Fintech Sell-Off Drags SoFi Stock LowerApple’s BNPL announcement shocked investors exposed to credit services and fintech. Last week, PayPal (NASDAQ:PYPL), Block (NYSE:SQ), Affirm Holdings (NASDAQ:AFRM) and Upstart Holdings (NASDAQ:UPST) fell along with SoFi. Markets are adjusting for the substantial competitive risks ahead.Credit balances financially stretched consumers. They have too much debt. They will need time to pay back the amount owed. BNPL will become a growing market. Before Apple announced the offering, markets thought that fintech would have an edge in the market. They bid shares of Affirm for over $176 late last year. PayPal stock traded as high as $310.16 in the last year before markets. Soon, investors realized faced a sharp slowdown in the electronic payment supplier’s core business.SoFi Has No MoatThe bears are betting big against SoFi. The short float is 18% as negative investors believe SoFi’s business lacks a moat. To outflank established financial institutions like Wells Fargo (NYSE:WFC) or Bank of America (NYSE:BAC), SoFi needs above-average customer growth. As market conditions tighten, it will have higher marketing costs. For example, it must offer higher incentives and offer little to no service fees.SoFi’s aggressive incentives will likely attract customers who are struggling financially. Conversely, banks have an established infrastructure to service new and existing customers. For example, they have staff to provide customer support in the branch or over the phone.SoFi is among the many fintech firms with limited customer support services. Customers who need to talk to a service representative must do so online or through email. The response could take days.Reduce SoFi From HereApple disrupted the fintech market with BNPL. It is willing to forgive customers who do not pay back, albeit only once. Still, customers enjoy that comfort in exchange for using Apple Pay.Once attached to Apple Pay, customers have one less reason to sign up for SoFi’s services. Markets are preparing for the severe competition that SoFi faces from here.","news_type":1},"isVote":1,"tweetType":1,"viewCount":356,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"4103864033944460","authorId":"4103864033944460","name":"PaperPlay","avatar":"https://community-static.tradeup.com/news/f9bd8cbd182d6cb24667a31115671409","crmLevel":4,"crmLevelSwitch":0},"content":"Articles like this destroy retail investors investing experience if they depend on these.","text":"Articles like this destroy retail investors investing experience if they depend on these.","html":"Articles like this destroy retail investors investing experience if they depend on these."}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9006340107,"gmtCreate":1641614761354,"gmtModify":1676533635075,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Buy high sell low. Both have very high valuation now.","listText":"Buy high sell low. Both have very high valuation now.","text":"Buy high sell low. Both have very high valuation now.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9006340107","repostId":"2201214004","repostType":2,"repost":{"id":"2201214004","pubTimestamp":1641604837,"share":"https://www.laohu8.com/m/news/2201214004?lang=&edition=full","pubTime":"2022-01-08 09:20","market":"us","language":"en","title":"Want to Get Richer? 2 Top Growth Stocks to Buy and Hold","url":"https://stock-news.laohu8.com/highlight/detail?id=2201214004","media":"Motley Fool","summary":"As tempting as it may be, strategies built on market timing rarely work.","content":"<html><head></head><body><p>Warren Buffett once said that his favorite stock holding period is forever. Despite that advice, many investors tend to buy and sell quickly. In fact, the average holding period for shares on the <b>New York Stock Exchange</b> has trended downward over the last several decades, and it dropped below six months in June 2020.</p><p>So what? History tells us that whether the market is up or down in any given year is essentially a coin toss. In other words, if you&#39;re dipping in and out of stocks, you&#39;re not investing -- you&#39;re gambling. And there&#39;s nothing wrong with gambling, but if you&#39;re looking to build life-changing wealth, you&#39;re better off taking a buy-and-hold approach. A long-term mindset helps you avoid short-term volatility and it gives your investment theses time to play out.</p><p>Two stocks that could benefit an investor using a buy-and-hold approach are <b>Tesla</b> (NASDAQ:TSLA) and <b>Zscaler</b> (NASDAQ:ZS). Each has great potential to make you richer in the long run. Here&#39;s what you should know.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/0b7755ea2b8be302b03c4454fb738f44\" tg-width=\"700\" tg-height=\"466\" referrerpolicy=\"no-referrer\"/><span>Image source: Getty Images.</span></p><h2>1. Tesla</h2><p>CEO Elon Musk has often said manufacturing efficiency would be Tesla&#39;s long-term advantage, and the company is making good on that notion. Its theoretical annual production capacity now exceeds 1 million electric vehicles (EVs), and despite headwinds created by chip shortages, Tesla delivered over 936,000 vehicles in 2021, up 87% from the prior year.</p><p>More importantly, as production capacity has scaled in both the U.S. and China, Tesla&#39;s cost per vehicle has fallen, dropping 55% between 2017 and the first quarter of 2021. That efficiency is due in part to Tesla&#39;s 2170 battery cell, a technology that Musk has called &#34;the highest energy density cell in the world, and also the cheapest.&#34; To that end, Tesla pays an estimated $187 per kilowatt-hour (kWh) for its battery packs -- the most expensive part of an EV. That&#39;s 24% lower than the industry average and 10% lower than the next-closest competitor.</p><p>Additionally, through November 2021, Tesla held 13.7% market share in terms of EV sales, easily besting the second-place EV manufacturer <b>BYD</b>, which captured 9% market share. Collectively, the company&#39;s improving efficiency and its dominant position have translated into impressive financial results on both the top and bottom lines.</p><table><thead><tr><th><p>Metric</p></th><th><p>Q3 2019</p></th><th><p>Q3 2021</p></th><th><p>CAGR</p></th></tr></thead><tbody><tr><td width=\"156\"><p>Revenue (TTM)</p></td><td width=\"156\"><p>$24.4 million</p></td><td width=\"156\"><p>$46.9 billion</p></td><td width=\"156\"><p>39%</p></td></tr><tr><td width=\"156\"><p>Free cash flow (TTM)</p></td><td width=\"156\"><p>$873 million</p></td><td width=\"156\"><p>$2.6 billion</p></td><td width=\"156\"><p>71%</p></td></tr></tbody></table><p>Data source: YCharts. TTM = trailing 12 months. CAGR = compound annual growth rate.</p><p>Despite Tesla&#39;s past success, I think the company&#39;s best days are yet to come. Production of the Tesla Semi (a semi-tractor trailer) is slated to start in 2022, and the trucking industry is ripe for disruption. The company also plans to integrate its new 4680 battery cell into vehicles this year, a technology that should reinforce its current cost advantages. Specifically, management believes the 4680 battery cell will cut the cost per kWh by 56% and boost EV range by 54%.</p><p>Further down the road, Tesla aims to launch an autonomous ride-hailing service, a market that ARK Invest analysts value at $1.2 trillion by 2030. While Tesla&#39;s full self-driving software is still in the works, Musk has hinted that the company would have a fully autonomous $25,000 EV in late 2023 or 2024. But even if Tesla misses that target, the company still appears to have a big head start in the race to build a self-driving car. That&#39;s why I plan to hold this stock forever.</p><h2>2. Zscaler</h2><p>Zscaler specializes in cybersecurity. Its cloud platform, the Zero Trust Exchange, is spread across 150 data centers, creating a global network that is fast, safe, and reliable. This distributed architecture, known as a secure access service edge (SASE), allows clients to access corporate resources from any device or location, while also eliminating the IT burden of buying and managing on-site hardware. In short, Zscaler is the new corporate network.</p><p>Specifically, Zscaler Private Access (ZPA) safeguards internally managed resources, like software hosted in a private data center; and Zscaler Internet Access (ZIA) offers the same protection for externally managed resources, such as applications hosted in the public cloud. More recently, the company expanded its offering with Zscaler Digital <a href=\"https://laohu8.com/S/EXP.AU\">Experience</a> (ZDX), an infrastructure performance monitoring solution, and Zscaler Cloud Protection (ZCP), a suite of tools that allows clients to secure cloud workloads.</p><p>Collectively, those products fuel digital transformation, keeping corporate networks secure no matter whether the information is stored on-site or in the cloud, nor whether it&#39;s accessed by employees in the office or those working remotely. To that end, research firm <b>Gartner</b> believes 60% of enterprises will have plans in place to adopt SASE networks by 2025, up from just 10% in 2020.</p><p>More importantly, Gartner has recognized Zscaler as the industry leader for 10 consecutive years, and that advantage has been a powerful growth driver for this cybersecurity company.</p><table><thead><tr><th><p>Metric</p></th><th><p>Q1 2020</p></th><th><p>Q1 2022</p></th><th><p>CAGR</p></th></tr></thead><tbody><tr><td width=\"156\"><p>Revenue (TTM)</p></td><td width=\"156\"><p>$333.1 million</p></td><td width=\"156\"><p>$761.0 million</p></td><td width=\"156\"><p>51%</p></td></tr><tr><td width=\"156\"><p>Free cash flow (TTM)</p></td><td width=\"156\"><p>$33.5 million</p></td><td width=\"156\"><p>$184.9 million</p></td><td width=\"156\"><p>135%</p></td></tr></tbody></table><p>Data source: YCharts. TTM = trailing 12 months. CAGR = compound annual growth rate. Note: Q1 2022 ended Oct. 31, 2021.</p><p>Going forward, Zscaler has plenty of room to grow its business. The company currently serves 5,600 clients, comprising 26 million paid seats. But management puts the near-term opportunity at 335 million seats, which brings the company&#39;s addressable market to $72 billion. However, Zscaler could extend its services to smaller businesses (fewer than 2,000 employees), which would push its opportunity above 600 million seats.</p><p>More broadly, as the best-in-class network security solution, the company should see strong demand in the coming years as more enterprises seek to protect their sensitive data. That&#39;s why this growth stock looks like a smart buy for long-term investors.</p></body></html>","source":"fool_stock","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>Want to Get Richer? 2 Top Growth Stocks to Buy and Hold</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: 11px; color: #7E829C; margin: 0;line-height: 11px;}\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\">\nWant to Get Richer? 2 Top Growth Stocks to Buy and Hold\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-01-08 09:20 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2022/01/07/want-get-richer-top-growth-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Warren Buffett once said that his favorite stock holding period is forever. Despite that advice, many investors tend to buy and sell quickly. In fact, the average holding period for shares on the New ...</p>\n\n<a href=\"https://www.fool.com/investing/2022/01/07/want-get-richer-top-growth-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK1511":"疑似财技股","BK1117":"系统软件","TSLA":"特斯拉","ZS":"Zscaler Inc."},"source_url":"https://www.fool.com/investing/2022/01/07/want-get-richer-top-growth-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2201214004","content_text":"Warren Buffett once said that his favorite stock holding period is forever. Despite that advice, many investors tend to buy and sell quickly. In fact, the average holding period for shares on the New York Stock Exchange has trended downward over the last several decades, and it dropped below six months in June 2020.So what? History tells us that whether the market is up or down in any given year is essentially a coin toss. In other words, if you're dipping in and out of stocks, you're not investing -- you're gambling. And there's nothing wrong with gambling, but if you're looking to build life-changing wealth, you're better off taking a buy-and-hold approach. A long-term mindset helps you avoid short-term volatility and it gives your investment theses time to play out.Two stocks that could benefit an investor using a buy-and-hold approach are Tesla (NASDAQ:TSLA) and Zscaler (NASDAQ:ZS). Each has great potential to make you richer in the long run. Here's what you should know.Image source: Getty Images.1. TeslaCEO Elon Musk has often said manufacturing efficiency would be Tesla's long-term advantage, and the company is making good on that notion. Its theoretical annual production capacity now exceeds 1 million electric vehicles (EVs), and despite headwinds created by chip shortages, Tesla delivered over 936,000 vehicles in 2021, up 87% from the prior year.More importantly, as production capacity has scaled in both the U.S. and China, Tesla's cost per vehicle has fallen, dropping 55% between 2017 and the first quarter of 2021. That efficiency is due in part to Tesla's 2170 battery cell, a technology that Musk has called \"the highest energy density cell in the world, and also the cheapest.\" To that end, Tesla pays an estimated $187 per kilowatt-hour (kWh) for its battery packs -- the most expensive part of an EV. That's 24% lower than the industry average and 10% lower than the next-closest competitor.Additionally, through November 2021, Tesla held 13.7% market share in terms of EV sales, easily besting the second-place EV manufacturer BYD, which captured 9% market share. Collectively, the company's improving efficiency and its dominant position have translated into impressive financial results on both the top and bottom lines.MetricQ3 2019Q3 2021CAGRRevenue (TTM)$24.4 million$46.9 billion39%Free cash flow (TTM)$873 million$2.6 billion71%Data source: YCharts. TTM = trailing 12 months. CAGR = compound annual growth rate.Despite Tesla's past success, I think the company's best days are yet to come. Production of the Tesla Semi (a semi-tractor trailer) is slated to start in 2022, and the trucking industry is ripe for disruption. The company also plans to integrate its new 4680 battery cell into vehicles this year, a technology that should reinforce its current cost advantages. Specifically, management believes the 4680 battery cell will cut the cost per kWh by 56% and boost EV range by 54%.Further down the road, Tesla aims to launch an autonomous ride-hailing service, a market that ARK Invest analysts value at $1.2 trillion by 2030. While Tesla's full self-driving software is still in the works, Musk has hinted that the company would have a fully autonomous $25,000 EV in late 2023 or 2024. But even if Tesla misses that target, the company still appears to have a big head start in the race to build a self-driving car. That's why I plan to hold this stock forever.2. ZscalerZscaler specializes in cybersecurity. Its cloud platform, the Zero Trust Exchange, is spread across 150 data centers, creating a global network that is fast, safe, and reliable. This distributed architecture, known as a secure access service edge (SASE), allows clients to access corporate resources from any device or location, while also eliminating the IT burden of buying and managing on-site hardware. In short, Zscaler is the new corporate network.Specifically, Zscaler Private Access (ZPA) safeguards internally managed resources, like software hosted in a private data center; and Zscaler Internet Access (ZIA) offers the same protection for externally managed resources, such as applications hosted in the public cloud. More recently, the company expanded its offering with Zscaler Digital Experience (ZDX), an infrastructure performance monitoring solution, and Zscaler Cloud Protection (ZCP), a suite of tools that allows clients to secure cloud workloads.Collectively, those products fuel digital transformation, keeping corporate networks secure no matter whether the information is stored on-site or in the cloud, nor whether it's accessed by employees in the office or those working remotely. To that end, research firm Gartner believes 60% of enterprises will have plans in place to adopt SASE networks by 2025, up from just 10% in 2020.More importantly, Gartner has recognized Zscaler as the industry leader for 10 consecutive years, and that advantage has been a powerful growth driver for this cybersecurity company.MetricQ1 2020Q1 2022CAGRRevenue (TTM)$333.1 million$761.0 million51%Free cash flow (TTM)$33.5 million$184.9 million135%Data source: YCharts. TTM = trailing 12 months. CAGR = compound annual growth rate. Note: Q1 2022 ended Oct. 31, 2021.Going forward, Zscaler has plenty of room to grow its business. The company currently serves 5,600 clients, comprising 26 million paid seats. But management puts the near-term opportunity at 335 million seats, which brings the company's addressable market to $72 billion. However, Zscaler could extend its services to smaller businesses (fewer than 2,000 employees), which would push its opportunity above 600 million seats.More broadly, as the best-in-class network security solution, the company should see strong demand in the coming years as more enterprises seek to protect their sensitive data. That's why this growth stock looks like a smart buy for long-term investors.","news_type":1},"isVote":1,"tweetType":1,"viewCount":498,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":259752627953832,"gmtCreate":1704426708000,"gmtModify":1704426712017,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"FYI article writter is just a reporter, doesn't have any sort of finance background at all. Garbage in garbage out.","listText":"FYI article writter is just a reporter, doesn't have any sort of finance background at all. Garbage in garbage out.","text":"FYI article writter is just a reporter, doesn't have any sort of finance background at all. Garbage in garbage out.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/259752627953832","repostId":"2400540878","repostType":2,"repost":{"id":"2400540878","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1704425963,"share":"https://www.laohu8.com/m/news/2400540878?lang=&edition=full","pubTime":"2024-01-05 11:39","market":"us","language":"en","title":"SoFi Stock Tumbles on Downgrade. Lower Rates Might Not be a Good Thing","url":"https://stock-news.laohu8.com/highlight/detail?id=2400540878","media":"Dow Jones","summary":"By Emily DattiloSoFi Technologies stock fell sharply after one analyst team argued that shares have risen too far, too fast.Keefe, Bruyette & Woods analysts led by Mike Perito downgraded SoFi to Under","content":"<html><head></head><body><p>By Emily Dattilo</p><p>SoFi Technologies stock fell sharply after one analyst team argued that shares have risen too far, too fast.</p><p>Keefe, Bruyette &amp; Woods analysts led by Mike Perito downgraded SoFi to Underperform from Market Perform, lowered revenue and adjusted earnings estimates, and trimmed their price target to $6.50 from $7.50 in a Tuesday report.</p><p>SoFi shares tumbled nearly 14% on Wednesday and rebounded 1% on Thursday. Competitors Upstart Holdings and Affirm slipped over 2%, and Enova International was little changed.</p><p>For context, SoFi began as a lender focused on refinancing student debt and it now operates through three segments: lending, which includes student, personal, and home loans; financial services; and a technology platform.</p><p>There are a few factors prompting the rating slash. First, SoFi shares have gained 43% since reporting third-quarter earnings, compared to a 30% jump from the KBW Nasdaq Financial Technology Index recorded over the same period of time. Second, analysts revised their revenue and adjusted earnings estimates for SoFi to below consensus.</p><p>&#34;SOFI&#39;s shares remain polarizing, but noise aside, anytime a growth stock is trading at premium valuations with 15-20% downside potential to consensus EBITDA, we believe a more cautious stance is appropriate,&#34; KBW wrote.</p><p>SoFi shares have rallied along with other equities on the notion that the Federal Reserve may begin cutting rates this year. But looking at the larger picture, this could actually weigh on earnings, thanks to the company&#39;s fair value accounting, analysts explained.</p><p>Here&#39;s the gist: SoFI sells off the loans it generates to other companies. It has marked up the value of the loans on its book to include the expected future resale price, interest, and fees, as Barron&#39;s reported last year . That can be risky when borrowing costs start to fall, KBW argued.</p><p>The team estimates that every quarter-point reduction to SoFi&#39;s fair-value mark for its held-for-sale loan portfolio equates directly to a $50 million drag on revenue, or five cents of earnings per share.</p><p>A few pennies might not sound like it can move the dial, but in this case, every cent matters. For its fourth fiscal quarter, management is aiming to report its first profit according to generally accepted accounting principles, and analysts have penciled in earnings of one cent a share, according to FactSet.</p><p>Investors don&#39;t have long to wait to see where the numbers land -- last year, the company posted its fourth fiscal quarter results in late January.</p></body></html>","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 Tumbles on Downgrade. Lower Rates Might Not be a Good Thing</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: 11px; color: #7E829C; margin: 0;line-height: 11px;}\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 Tumbles on Downgrade. Lower Rates Might Not be a Good Thing\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2024-01-05 11:39</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>By Emily Dattilo</p><p>SoFi Technologies stock fell sharply after one analyst team argued that shares have risen too far, too fast.</p><p>Keefe, Bruyette &amp; Woods analysts led by Mike Perito downgraded SoFi to Underperform from Market Perform, lowered revenue and adjusted earnings estimates, and trimmed their price target to $6.50 from $7.50 in a Tuesday report.</p><p>SoFi shares tumbled nearly 14% on Wednesday and rebounded 1% on Thursday. Competitors Upstart Holdings and Affirm slipped over 2%, and Enova International was little changed.</p><p>For context, SoFi began as a lender focused on refinancing student debt and it now operates through three segments: lending, which includes student, personal, and home loans; financial services; and a technology platform.</p><p>There are a few factors prompting the rating slash. First, SoFi shares have gained 43% since reporting third-quarter earnings, compared to a 30% jump from the KBW Nasdaq Financial Technology Index recorded over the same period of time. Second, analysts revised their revenue and adjusted earnings estimates for SoFi to below consensus.</p><p>&#34;SOFI&#39;s shares remain polarizing, but noise aside, anytime a growth stock is trading at premium valuations with 15-20% downside potential to consensus EBITDA, we believe a more cautious stance is appropriate,&#34; KBW wrote.</p><p>SoFi shares have rallied along with other equities on the notion that the Federal Reserve may begin cutting rates this year. But looking at the larger picture, this could actually weigh on earnings, thanks to the company&#39;s fair value accounting, analysts explained.</p><p>Here&#39;s the gist: SoFI sells off the loans it generates to other companies. It has marked up the value of the loans on its book to include the expected future resale price, interest, and fees, as Barron&#39;s reported last year . That can be risky when borrowing costs start to fall, KBW argued.</p><p>The team estimates that every quarter-point reduction to SoFi&#39;s fair-value mark for its held-for-sale loan portfolio equates directly to a $50 million drag on revenue, or five cents of earnings per share.</p><p>A few pennies might not sound like it can move the dial, but in this case, every cent matters. For its fourth fiscal quarter, management is aiming to report its first profit according to generally accepted accounting principles, and analysts have penciled in earnings of one cent a share, according to FactSet.</p><p>Investors don&#39;t have long to wait to see where the numbers land -- last year, the company posted its fourth fiscal quarter results in late January.</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4535":"淡马锡持仓","BK4551":"寇图资本持仓","AFRM":"Affirm Holdings, Inc.","BK4585":"ETF&股票定投概念","BK4166":"消费信贷","BK4561":"索罗斯持仓","ENVA":"易诺华","BK4588":"碎股","SOFI":"SoFi Technologies Inc.","UPST":"Upstart Holdings, Inc.","BK4549":"软银资本持仓"},"source_url":"https://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2400540878","content_text":"By Emily DattiloSoFi Technologies stock fell sharply after one analyst team argued that shares have risen too far, too fast.Keefe, Bruyette & Woods analysts led by Mike Perito downgraded SoFi to Underperform from Market Perform, lowered revenue and adjusted earnings estimates, and trimmed their price target to $6.50 from $7.50 in a Tuesday report.SoFi shares tumbled nearly 14% on Wednesday and rebounded 1% on Thursday. Competitors Upstart Holdings and Affirm slipped over 2%, and Enova International was little changed.For context, SoFi began as a lender focused on refinancing student debt and it now operates through three segments: lending, which includes student, personal, and home loans; financial services; and a technology platform.There are a few factors prompting the rating slash. First, SoFi shares have gained 43% since reporting third-quarter earnings, compared to a 30% jump from the KBW Nasdaq Financial Technology Index recorded over the same period of time. Second, analysts revised their revenue and adjusted earnings estimates for SoFi to below consensus.\"SOFI's shares remain polarizing, but noise aside, anytime a growth stock is trading at premium valuations with 15-20% downside potential to consensus EBITDA, we believe a more cautious stance is appropriate,\" KBW wrote.SoFi shares have rallied along with other equities on the notion that the Federal Reserve may begin cutting rates this year. But looking at the larger picture, this could actually weigh on earnings, thanks to the company's fair value accounting, analysts explained.Here's the gist: SoFI sells off the loans it generates to other companies. It has marked up the value of the loans on its book to include the expected future resale price, interest, and fees, as Barron's reported last year . That can be risky when borrowing costs start to fall, KBW argued.The team estimates that every quarter-point reduction to SoFi's fair-value mark for its held-for-sale loan portfolio equates directly to a $50 million drag on revenue, or five cents of earnings per share.A few pennies might not sound like it can move the dial, but in this case, every cent matters. For its fourth fiscal quarter, management is aiming to report its first profit according to generally accepted accounting principles, and analysts have penciled in earnings of one cent a share, according to FactSet.Investors don't have long to wait to see where the numbers land -- last year, the company posted its fourth fiscal quarter results in late January.","news_type":1},"isVote":1,"tweetType":1,"viewCount":116,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":259752372637856,"gmtCreate":1704426563791,"gmtModify":1704426568419,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Lol so the reason for downgrade is because shares rise too fast, this is a joke/hit piece to get more views. Price manipulation at its finest.","listText":"Lol so the reason for downgrade is because shares rise too fast, this is a joke/hit piece to get more views. Price manipulation at its finest.","text":"Lol so the reason for downgrade is because shares rise too fast, this is a joke/hit piece to get more views. Price manipulation at its finest.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/259752372637856","repostId":"2400540878","repostType":2,"isVote":1,"tweetType":1,"viewCount":188,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":261916005744808,"gmtCreate":1704979184445,"gmtModify":1704979189103,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Let's play monopoly!","listText":"Let's play monopoly!","text":"Let's play monopoly!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/261916005744808","isVote":1,"tweetType":1,"viewCount":14,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":261270972686384,"gmtCreate":1704797331393,"gmtModify":1704797335962,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"[Cool]&nbsp;&nbsp;[Miser]&nbsp;&nbsp;[Shy]&nbsp;&nbsp;[Happy]&nbsp;&nbsp;[Grin]&nbsp;&nbsp;[Sad]&nbsp;&nbsp;[Miser]&nbsp;&nbsp;","listText":"[Cool]&nbsp;&nbsp;[Miser]&nbsp;&nbsp;[Shy]&nbsp;&nbsp;[Happy]&nbsp;&nbsp;[Grin]&nbsp;&nbsp;[Sad]&nbsp;&nbsp;[Miser]&nbsp;&nbsp;","text":"[Cool] [Miser] [Shy] [Happy] [Grin] [Sad] [Miser]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/261270972686384","isVote":1,"tweetType":1,"viewCount":211,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":258617142382608,"gmtCreate":1704172965426,"gmtModify":1704172969529,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Gogogogogo yahoooo Huat Ah","listText":"Gogogogogo yahoooo Huat Ah","text":"Gogogogogo yahoooo Huat Ah","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/258617142382608","isVote":1,"tweetType":1,"viewCount":73,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":257170251362560,"gmtCreate":1703819754170,"gmtModify":1703819758107,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Letsss go happy new year' 🎆🎈&nbsp;","listText":"Letsss go happy new year' 🎆🎈&nbsp;","text":"Letsss go happy new year' 🎆🎈","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/257170251362560","isVote":1,"tweetType":1,"viewCount":181,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":256889286258960,"gmtCreate":1703751012811,"gmtModify":1703751016956,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Wooohoo great stuff. Happy new year!","listText":"Wooohoo great stuff. Happy new year!","text":"Wooohoo great stuff. Happy new year!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/256889286258960","isVote":1,"tweetType":1,"viewCount":175,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9094011481,"gmtCreate":1645020845951,"gmtModify":1676533987152,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Let's go","listText":"Let's go","text":"Let's go","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9094011481","repostId":"9004448317","repostType":1,"repost":{"id":9004448317,"gmtCreate":1642676525258,"gmtModify":1676533734534,"author":{"id":"3527667667103859","authorId":"3527667667103859","name":"TigerEvents","avatar":"https://community-static.tradeup.com/news/c266ef25181ace18bec1262357bbe1a8","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"title":"Join Tiger Ski Championship, Win a Bonus of Up to USD 2022","htmlText":"2022 is the Year of Tiger in Chinese lunar calendar, it’s also a special year for Tiger Brokers. To celebrate the special year, we want to invite you to join the ski game presented by Tiger Brokers specially, and it’s very easy and interesting game for users to play. Join the game and win a bonus of up to USD 2022 and limited-edition Tiger Toys Spring Festival and Winter Olympic are both on the way, open your Tiger Trade App and play the ski game with us, win golden medals as many as you can! You could have chance to try Lucky Draw when you win medals.The more medal you win, the bigger bonus you may win! Big Rewards are as follow: <a href=\"https://www.tigerbrokers.com.sg/activity/market/2022/happy-new-year/#/\" target=\"_blank\">Click to Join the Game</a>","listText":"2022 is the Year of Tiger in Chinese lunar calendar, it’s also a special year for Tiger Brokers. To celebrate the special year, we want to invite you to join the ski game presented by Tiger Brokers specially, and it’s very easy and interesting game for users to play. Join the game and win a bonus of up to USD 2022 and limited-edition Tiger Toys Spring Festival and Winter Olympic are both on the way, open your Tiger Trade App and play the ski game with us, win golden medals as many as you can! You could have chance to try Lucky Draw when you win medals.The more medal you win, the bigger bonus you may win! Big Rewards are as follow: <a href=\"https://www.tigerbrokers.com.sg/activity/market/2022/happy-new-year/#/\" target=\"_blank\">Click to Join the Game</a>","text":"2022 is the Year of Tiger in Chinese lunar calendar, it’s also a special year for Tiger Brokers. To celebrate the special year, we want to invite you to join the ski game presented by Tiger Brokers specially, and it’s very easy and interesting game for users to play. Join the game and win a bonus of up to USD 2022 and limited-edition Tiger Toys Spring Festival and Winter Olympic are both on the way, open your Tiger Trade App and play the ski game with us, win golden medals as many as you can! You could have chance to try Lucky Draw when you win medals.The more medal you win, the bigger bonus you may win! Big Rewards are as follow: Click to Join the Game","images":[{"img":"https://static.tigerbbs.com/a7b44fa056439fb4010fa55e163d27c3","width":"750","height":"1726"}],"top":1,"highlighted":1,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9004448317","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":2,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":242,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}