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AMD Crushes Estimates; Time to Get In?

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That’","content":"<div>\n<p>The chip shortage is still going strong in some sectors, and gains are being made accordingly. That’s the case for Advanced Micro Devices, which recently posted its earnings report to investor acclaim...</p>\n\n<a href=\"https://www.tipranks.com/news/article/amd-crushes-estimates-time-to-get-in/\">Web Link</a>\n\n</div>\n","source":"lsy1606183248679","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>AMD Crushes Estimates; Time to Get In?</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\">\nAMD Crushes Estimates; Time to Get In?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-05-05 11:14 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.tipranks.com/news/article/amd-crushes-estimates-time-to-get-in/><strong>TipRanks</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The chip shortage is still going strong in some sectors, and gains are being made accordingly. That’s the case for Advanced Micro Devices, which recently posted its earnings report to investor acclaim...</p>\n\n<a href=\"https://www.tipranks.com/news/article/amd-crushes-estimates-time-to-get-in/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AMD":"美国超微公司"},"source_url":"https://www.tipranks.com/news/article/amd-crushes-estimates-time-to-get-in/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1190007574","content_text":"The chip shortage is still going strong in some sectors, and gains are being made accordingly. That’s the case for Advanced Micro Devices, which recently posted its earnings report to investor acclaim. The company saw its stock gain 9.1% on Wednesday.I’m bullish on AMD right now. That’s largely thanks to the perfect-storm combination of increasing use cases for processing chips and the declining supply. This should add up to be a great thing for anyone making chips – like AMD.The last 12 months for AMD have seen ups and downs alike, though mostly in equal measure. May to November of 2021 saw AMD climb sufficient to double its share price from May 2021. November to May 2022, however, saw most of those gains lost.The latest news, meanwhile, offers some hope for investors. The company posted an amazing earnings report that featured analyst projections shattered. AMD turned in $1.13 per share in earnings, which beat Street forecasts of $0.91.Revenue came in at $5.89 billion adjusted, which beat estimates calling for $5.52 billion. Revenue represented a gain of 71% against this time last year, and earnings were up a staggering 117%.Wall Street’s TakeTurning to Wall Street, AMD has a Moderate Buy consensus rating. That’s based on 14 Buys and eight Holds assigned in the past three months. The average Advanced Micro Devices price target of $134.11 implies 43.1% upside potential.Analyst price targets range from a low of $98 per share to a high of $200 per share.Investor Sentiment Looks Positive for the ChipmakerSometimes, investor sentiment isn’t that clear. Sometimes, it’s much more so. AMD investor sentiment, meanwhile, is mostly clear and mostly positive.First, let’s check out the retail investors who hold portfolios on TipRanks. Retail investor involvement has increased substantially over the last month, though it’s tapered off a bit in recent days. In the last seven days, TipRanks portfolios with AMD are up 1.6%. In the last 30 days, they’re up 6.9%.Then there’s the matter of hedge funds. Hedge funds are very interested in AMD, the TipRanks 13-F Tracker reveals. Hedge funds have put more cash behind AMD every quarter since March 2021.The bump up from March to June is small but present. More pronounced increases followed in the next two quarters. In fact, December 2021’s involvement level is nearly double what it was in December 2020.There are two downside points to consider, however. AMD doesn’t pay a dividend, and there are no signs of a dividend to come. That’s bad news for income investors. Then there’s the matter of insider trading at AMD.Insider trading in the last three months is evenly matched, with four buy transactions and four sell transactions. In the last year, there were 21 buy transactions and 42 sell transactions.It’s important to note, however, that that selling activity mainly took place during AMD’s big run-up back in the May to November 2021 corridor. The buying kicked in on the downside, which is reasonable behavior for any investor.The Chip Shortage Continues, Making AMD’s Future BrighterThe good news—though it’s backhanded good news at best—is that the chip shortage is likely to continue for some time. Intel CEO Pat Gelsinger suggests that the chip shortage is likely to continue until at least 2024. Gelsinger suggests that “…constrained availability of key manufacturing tools” will become an issue.Meanwhile, Ford reported a 10.5% sales decline. Though this was a smaller sales loss than had been seen earlier, the chip shortage was still hurting car supplies. Supplies of PlayStation 5 units will likely continue to see shortfalls going into 2024 as well, reports note.Take these factors together, and suddenly, things look good for AMD. Not only will there be steady and rising demand for all its products—AMD itself looks for gains from increasing demand from data centers—but the ability of other firms to join the fray and pull market share will decline as well. That should open up a new opportunity for AMD to sell about as much as it can produce.Basically, there’s more demand than ever for chips. There’s a growing demand for things that you wouldn’t expect to have a chip in them but do somehow (like cars). There’s a growing demand for gaming consoles; the new console versions are spiking demand, especially with lingering concerns over COVID-19.Take the combination of ongoing high demand for AMD products, a declining number of firms that can even get into the market, and AMD’s recent drop in value over April, and that certainly suggests a course of action.Granted, some are concerned about the impacts of inflation on chip demand, and with good reason. When people are struggling to buy food, they’re not going to be too interested in a new computer.However, consider how wide the demand/supply gap is right now. Consider Ford’s “Ice Mountain.” Back in February, an array of new Broncos sat in an outdoor lot, awaiting the last chips needed to complete them.While inflation will certainly have an impact, it’s safe to say that the demand right now is sufficiently broad that it can accommodate a little inflation-fueled loss.Concluding ViewsDemand for computers is brisk across virtually every sector of the economy. Big data systems demand computers to search for actionable patterns. Smart homes need computers to operate their various voice-controlled systems. Gamers need computers to play the latest titles. The list just keeps going.With all these use cases on AMD’s side, even some inflation-induced losses aren’t likely to slow the overall trajectory of demand very much. That, combined with some attractive per-share pricing right now that’s well under highs, makes for a combination that’s hard to resist. That’s exactly why I’m bullish on AMD.","news_type":1},"isVote":1,"tweetType":1,"viewCount":251,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9017500417,"gmtCreate":1649782726013,"gmtModify":1676534574943,"author":{"id":"3575881983204613","authorId":"3575881983204613","name":"摩拳擦掌","avatar":"https://static.tigerbbs.com/0208e7f76db9b3124aeeeb5dda03dc46","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3575881983204613","authorIdStr":"3575881983204613"},"themes":[],"htmlText":"[Happy]&nbsp;","listText":"[Happy]&nbsp;","text":"[Happy]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9017500417","repostId":"9016476123","repostType":1,"repost":{"id":9016476123,"gmtCreate":1649229403658,"gmtModify":1676534474180,"author":{"id":"3527667667103859","authorId":"3527667667103859","name":"TigerEvents","avatar":"https://community-static.tradeup.com/news/c266ef25181ace18bec1262357bbe1a8","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3527667667103859","authorIdStr":"3527667667103859"},"themes":[],"title":"🏆【GAME】Hunting Eggs for Extra Saving!","htmlText":"Tiger has prepared some Easter gifts for you, please&nbsp;<a href=\"https://www.tigerbrokers.com.sg/activity/market/2022/easter/\" target=\"_blank\">click&nbsp;here</a>&nbsp;to check them out!Easter can still be a bonus-boosting. Come and find the eggs in our Easter game to open the surprise! Each game contains 3 rounds, the more eggs you catch, the higher the points you can get. Game points can be redeemed for various rewards, including different value stock vouchers worth up to USD 1,000 are waiting for you! Moreover, catching special eggs can get extra points and chances to crack open for some wonderful Easter treats.There are too many hidden surprises to find, oops, the game attempts run out too fast. Don't worry, complete different tasks to earn more game attempts. Also, invite your frien","listText":"Tiger has prepared some Easter gifts for you, please&nbsp;<a href=\"https://www.tigerbrokers.com.sg/activity/market/2022/easter/\" target=\"_blank\">click&nbsp;here</a>&nbsp;to check them out!Easter can still be a bonus-boosting. Come and find the eggs in our Easter game to open the surprise! Each game contains 3 rounds, the more eggs you catch, the higher the points you can get. Game points can be redeemed for various rewards, including different value stock vouchers worth up to USD 1,000 are waiting for you! Moreover, catching special eggs can get extra points and chances to crack open for some wonderful Easter treats.There are too many hidden surprises to find, oops, the game attempts run out too fast. Don't worry, complete different tasks to earn more game attempts. Also, invite your frien","text":"Tiger has prepared some Easter gifts for you, please click here to check them out!Easter can still be a bonus-boosting. Come and find the eggs in our Easter game to open the surprise! Each game contains 3 rounds, the more eggs you catch, the higher the points you can get. Game points can be redeemed for various rewards, including different value stock vouchers worth up to USD 1,000 are waiting for you! Moreover, catching special eggs can get extra points and chances to crack open for some wonderful Easter treats.There are too many hidden surprises to find, oops, the game attempts run out too fast. Don't worry, complete different tasks to earn more game attempts. Also, invite your frien","images":[{"img":"https://community-static.tradeup.com/news/15b435c0d10e0e89ad3e06b7bbd04830","width":"2251","height":"1334"},{"img":"https://community-static.tradeup.com/news/ff9640a9df2f24446e07b7a9b658cb4b","width":"1200","height":"630"},{"img":"https://community-static.tradeup.com/news/795038848b7c7b1d7dda27d92b580946","width":"1656","height":"948"}],"top":1,"highlighted":1,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9016476123","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":3,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":240,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9002451010,"gmtCreate":1642079250900,"gmtModify":1676533678528,"author":{"id":"3575881983204613","authorId":"3575881983204613","name":"摩拳擦掌","avatar":"https://static.tigerbbs.com/0208e7f76db9b3124aeeeb5dda03dc46","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3575881983204613","authorIdStr":"3575881983204613"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/SEV\">$Sono Group N.V.(SEV)$</a>Hopeless stock","listText":"<a href=\"https://ttm.financial/S/SEV\">$Sono Group N.V.(SEV)$</a>Hopeless stock","text":"$Sono Group N.V.(SEV)$Hopeless stock","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9002451010","isVote":1,"tweetType":1,"viewCount":335,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9009812426,"gmtCreate":1640608252382,"gmtModify":1676533528656,"author":{"id":"3575881983204613","authorId":"3575881983204613","name":"摩拳擦掌","avatar":"https://static.tigerbbs.com/0208e7f76db9b3124aeeeb5dda03dc46","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3575881983204613","authorIdStr":"3575881983204613"},"themes":[],"htmlText":"Like","listText":"Like","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9009812426","repostId":"2194177864","repostType":4,"repost":{"id":"2194177864","kind":"highlight","pubTimestamp":1640574780,"share":"https://ttm.financial/m/news/2194177864?lang=&edition=fundamental","pubTime":"2021-12-27 11:13","market":"us","language":"en","title":"Will SoFi Technologies Be a Breakout Stock in 2022?","url":"https://stock-news.laohu8.com/highlight/detail?id=2194177864","media":"Motley Fool","summary":"The financial super app might be ready to shine this year.","content":"<p><b>Key Points</b></p>\n<ul>\n <li>SoFi Technologies' stock has fallen from recent highs despite the company' long-term prospects.</li>\n <li>A lot of good news might be on the way for SoFi shareholders.</li>\n <li>Receiving a national bank charter might set the stock off in 2022.</li>\n</ul>\n<p>Versatile fintech <a href=\"https://laohu8.com/S/SOFI\"><b>Sofi Technologies</b> </a> was one&nbsp;of the most notable companies to go public through a special purpose acquisition company (SPAC) in 2021. Although the stock was trading around its highs just last month, it's tumbled since then, along with many other growth companies.</p>\n<p>But 2022 is setting up to be an excellent year for the business, and investors might have a hard time turning the stock away with so much potential good news coming. Here are three reasons why SoFi could be one of the top stock ideas of 2022.</p>\n<h2>1. The super app continues picking up users</h2>\n<p>SoFi is one of the first companies to develop a financial \"super-app,\" which combines many features into a single user interface. Traditionally, a consumer might have one app for their bank, another for each credit card they use, and yet another for their brokerage.&nbsp;SoFi offers payments, credit score monitoring, investing, loans, and more in a single place.</p>\n<p>SoFi's model makes life easier for users than a typical bank, which might isolate customer data based on which product or service they're using. And it's easier for the company than operating an expensive network of physical branch locations.&nbsp;The super app lowers SoFi's customer acquisition costs, it's digital, and once a user adopts one of SoFi's products, there are no additional costs for cross-selling because they're already on the platform.</p>\n<p>The concept is becoming popular, and other companies like <b>Affirm Holdings</b> are developing potentially competing products. Still, SoFi has benefited as a first mover, growing users from 704,000 in the first quarter of 2019 to 2.9 million in the third quarter of 2021. User growth was 96% year over year in Q3, showing that momentum remains strong.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/1340beec0e28cc1513ea54cfd86b1c3f\" tg-width=\"2000\" tg-height=\"1333\" width=\"100%\" height=\"auto\"><span>IMAGE SOURCE: GETTY IMAGES.</span></p>\n<h2>2. The lending business gets back on track</h2>\n<p>Lending, especially student loans, is SoFi's core business. The company has faced challenges in this area from a federal freeze on student loans, a measure taken to provide financial relief during the pandemic. The uncertainty this plan has created kept management from raising 2021 guidance in the second quarter. Management estimated a potential 4% to 5% revenue hit from the freeze, roughly $40 million.</p>\n<p>We can see this playing out in SoFi's third-quarter loan originations. Mortgage originations grew 26% year over year in Q3, while personal loans grew 166%, but student loans shrank by 6%.</p>\n<p>The student loan freeze ends in January; when it does, there could be a surge in students looking to refinance, which would potentially boost SoFi's lending business. SoFi's confidence has increased since Q2, as management raised 2021 revenue guidance in Q3 from $980 million to $1.01 billion. Investors should look for student loan momentum in the first two quarters of 2022 to see how it impacts the overall business.</p>\n<h2>3. A bank charter could be imminent</h2>\n<p>SoFi formally applied for a national bank charter in July 2020 and acquired&nbsp;community bank Golden Pacific Bancorp in March to help advance those efforts. The company currently underwrites its loans using third-party banks, but a charter would allow SoFi to fully operate as a bank, using deposits to fund its loans.</p>\n<p>Aside from regulatory changes, a lower cost of capital would be the primary benefit for SoFi. It would noticeably improve the business' profitability; management estimates that a charter could improve the company's earnings before interest, taxes, depreciation, and amortization (EBITDA) by an incremental $1 billion through 2025.</p>\n<p>Investors could be waiting for some sort of formal approval to begin pricing this into the stock. SoFi recently named Chad Borton the new president of SoFi Bank; Borton previously worked as an executive at other banks, including USAA and <b>Fifth Third</b>. The company has also beefed up its balance sheet, recently redeeming stock warrants related to its SPAC merger&nbsp;and raising $1.1 billion in convertible debt in October. These moves could be in anticipation of receiving approval for the charter.</p>\n<p>If SoFi can continue to acquire users for its super app and if student loan origination picks up in 2022, the banking charter might be the big push the stock needs to steal the spotlight next year.</p>","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>Will SoFi Technologies Be a Breakout Stock in 2022?</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\">\nWill SoFi Technologies Be a Breakout Stock in 2022?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-27 11:13 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/26/will-sofi-technologies-be-a-breakout-stock-in-2022/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Key Points\n\nSoFi Technologies' stock has fallen from recent highs despite the company' long-term prospects.\nA lot of good news might be on the way for SoFi shareholders.\nReceiving a national bank ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/26/will-sofi-technologies-be-a-breakout-stock-in-2022/\">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://www.fool.com/investing/2021/12/26/will-sofi-technologies-be-a-breakout-stock-in-2022/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2194177864","content_text":"Key Points\n\nSoFi Technologies' stock has fallen from recent highs despite the company' long-term prospects.\nA lot of good news might be on the way for SoFi shareholders.\nReceiving a national bank charter might set the stock off in 2022.\n\nVersatile fintech Sofi Technologies  was one of the most notable companies to go public through a special purpose acquisition company (SPAC) in 2021. Although the stock was trading around its highs just last month, it's tumbled since then, along with many other growth companies.\nBut 2022 is setting up to be an excellent year for the business, and investors might have a hard time turning the stock away with so much potential good news coming. Here are three reasons why SoFi could be one of the top stock ideas of 2022.\n1. The super app continues picking up users\nSoFi is one of the first companies to develop a financial \"super-app,\" which combines many features into a single user interface. Traditionally, a consumer might have one app for their bank, another for each credit card they use, and yet another for their brokerage. SoFi offers payments, credit score monitoring, investing, loans, and more in a single place.\nSoFi's model makes life easier for users than a typical bank, which might isolate customer data based on which product or service they're using. And it's easier for the company than operating an expensive network of physical branch locations. The super app lowers SoFi's customer acquisition costs, it's digital, and once a user adopts one of SoFi's products, there are no additional costs for cross-selling because they're already on the platform.\nThe concept is becoming popular, and other companies like Affirm Holdings are developing potentially competing products. Still, SoFi has benefited as a first mover, growing users from 704,000 in the first quarter of 2019 to 2.9 million in the third quarter of 2021. User growth was 96% year over year in Q3, showing that momentum remains strong.\nIMAGE SOURCE: GETTY IMAGES.\n2. The lending business gets back on track\nLending, especially student loans, is SoFi's core business. The company has faced challenges in this area from a federal freeze on student loans, a measure taken to provide financial relief during the pandemic. The uncertainty this plan has created kept management from raising 2021 guidance in the second quarter. Management estimated a potential 4% to 5% revenue hit from the freeze, roughly $40 million.\nWe can see this playing out in SoFi's third-quarter loan originations. Mortgage originations grew 26% year over year in Q3, while personal loans grew 166%, but student loans shrank by 6%.\nThe student loan freeze ends in January; when it does, there could be a surge in students looking to refinance, which would potentially boost SoFi's lending business. SoFi's confidence has increased since Q2, as management raised 2021 revenue guidance in Q3 from $980 million to $1.01 billion. Investors should look for student loan momentum in the first two quarters of 2022 to see how it impacts the overall business.\n3. A bank charter could be imminent\nSoFi formally applied for a national bank charter in July 2020 and acquired community bank Golden Pacific Bancorp in March to help advance those efforts. The company currently underwrites its loans using third-party banks, but a charter would allow SoFi to fully operate as a bank, using deposits to fund its loans.\nAside from regulatory changes, a lower cost of capital would be the primary benefit for SoFi. It would noticeably improve the business' profitability; management estimates that a charter could improve the company's earnings before interest, taxes, depreciation, and amortization (EBITDA) by an incremental $1 billion through 2025.\nInvestors could be waiting for some sort of formal approval to begin pricing this into the stock. SoFi recently named Chad Borton the new president of SoFi Bank; Borton previously worked as an executive at other banks, including USAA and Fifth Third. The company has also beefed up its balance sheet, recently redeeming stock warrants related to its SPAC merger and raising $1.1 billion in convertible debt in October. These moves could be in anticipation of receiving approval for the charter.\nIf SoFi can continue to acquire users for its super app and if student loan origination picks up in 2022, the banking charter might be the big push the stock needs to steal the spotlight next year.","news_type":1},"isVote":1,"tweetType":1,"viewCount":525,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":9002451010,"gmtCreate":1642079250900,"gmtModify":1676533678528,"author":{"id":"3575881983204613","authorId":"3575881983204613","name":"摩拳擦掌","avatar":"https://static.tigerbbs.com/0208e7f76db9b3124aeeeb5dda03dc46","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3575881983204613","authorIdStr":"3575881983204613"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/SEV\">$Sono Group N.V.(SEV)$</a>Hopeless stock","listText":"<a href=\"https://ttm.financial/S/SEV\">$Sono Group N.V.(SEV)$</a>Hopeless stock","text":"$Sono Group N.V.(SEV)$Hopeless stock","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9002451010","isVote":1,"tweetType":1,"viewCount":335,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":254495682076728,"gmtCreate":1703169498339,"gmtModify":1703169500680,"author":{"id":"3575881983204613","authorId":"3575881983204613","name":"摩拳擦掌","avatar":"https://static.tigerbbs.com/0208e7f76db9b3124aeeeb5dda03dc46","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3575881983204613","authorIdStr":"3575881983204613"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/NVDA\">$NVIDIA Corp(NVDA)$&nbsp;</a><v-v data-views=\"1\"></v-v>","listText":"<a href=\"https://ttm.financial/S/NVDA\">$NVIDIA Corp(NVDA)$&nbsp;</a><v-v data-views=\"1\"></v-v>","text":"$NVIDIA Corp(NVDA)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/254495682076728","isVote":1,"tweetType":1,"viewCount":185,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9068187462,"gmtCreate":1651737024757,"gmtModify":1676534959079,"author":{"id":"3575881983204613","authorId":"3575881983204613","name":"摩拳擦掌","avatar":"https://static.tigerbbs.com/0208e7f76db9b3124aeeeb5dda03dc46","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3575881983204613","authorIdStr":"3575881983204613"},"themes":[],"htmlText":"Ok","listText":"Ok","text":"Ok","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9068187462","repostId":"1190007574","repostType":4,"repost":{"id":"1190007574","kind":"news","pubTimestamp":1651720493,"share":"https://ttm.financial/m/news/1190007574?lang=&edition=fundamental","pubTime":"2022-05-05 11:14","market":"us","language":"en","title":"AMD Crushes Estimates; Time to Get In?","url":"https://stock-news.laohu8.com/highlight/detail?id=1190007574","media":"TipRanks","summary":"The chip shortage is still going strong in some sectors, and gains are being made accordingly. That’","content":"<div>\n<p>The chip shortage is still going strong in some sectors, and gains are being made accordingly. That’s the case for Advanced Micro Devices, which recently posted its earnings report to investor acclaim...</p>\n\n<a href=\"https://www.tipranks.com/news/article/amd-crushes-estimates-time-to-get-in/\">Web Link</a>\n\n</div>\n","source":"lsy1606183248679","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>AMD Crushes Estimates; Time to Get In?</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\">\nAMD Crushes Estimates; Time to Get In?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-05-05 11:14 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.tipranks.com/news/article/amd-crushes-estimates-time-to-get-in/><strong>TipRanks</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The chip shortage is still going strong in some sectors, and gains are being made accordingly. That’s the case for Advanced Micro Devices, which recently posted its earnings report to investor acclaim...</p>\n\n<a href=\"https://www.tipranks.com/news/article/amd-crushes-estimates-time-to-get-in/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AMD":"美国超微公司"},"source_url":"https://www.tipranks.com/news/article/amd-crushes-estimates-time-to-get-in/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1190007574","content_text":"The chip shortage is still going strong in some sectors, and gains are being made accordingly. That’s the case for Advanced Micro Devices, which recently posted its earnings report to investor acclaim. The company saw its stock gain 9.1% on Wednesday.I’m bullish on AMD right now. That’s largely thanks to the perfect-storm combination of increasing use cases for processing chips and the declining supply. This should add up to be a great thing for anyone making chips – like AMD.The last 12 months for AMD have seen ups and downs alike, though mostly in equal measure. May to November of 2021 saw AMD climb sufficient to double its share price from May 2021. November to May 2022, however, saw most of those gains lost.The latest news, meanwhile, offers some hope for investors. The company posted an amazing earnings report that featured analyst projections shattered. AMD turned in $1.13 per share in earnings, which beat Street forecasts of $0.91.Revenue came in at $5.89 billion adjusted, which beat estimates calling for $5.52 billion. Revenue represented a gain of 71% against this time last year, and earnings were up a staggering 117%.Wall Street’s TakeTurning to Wall Street, AMD has a Moderate Buy consensus rating. That’s based on 14 Buys and eight Holds assigned in the past three months. The average Advanced Micro Devices price target of $134.11 implies 43.1% upside potential.Analyst price targets range from a low of $98 per share to a high of $200 per share.Investor Sentiment Looks Positive for the ChipmakerSometimes, investor sentiment isn’t that clear. Sometimes, it’s much more so. AMD investor sentiment, meanwhile, is mostly clear and mostly positive.First, let’s check out the retail investors who hold portfolios on TipRanks. Retail investor involvement has increased substantially over the last month, though it’s tapered off a bit in recent days. In the last seven days, TipRanks portfolios with AMD are up 1.6%. In the last 30 days, they’re up 6.9%.Then there’s the matter of hedge funds. Hedge funds are very interested in AMD, the TipRanks 13-F Tracker reveals. Hedge funds have put more cash behind AMD every quarter since March 2021.The bump up from March to June is small but present. More pronounced increases followed in the next two quarters. In fact, December 2021’s involvement level is nearly double what it was in December 2020.There are two downside points to consider, however. AMD doesn’t pay a dividend, and there are no signs of a dividend to come. That’s bad news for income investors. Then there’s the matter of insider trading at AMD.Insider trading in the last three months is evenly matched, with four buy transactions and four sell transactions. In the last year, there were 21 buy transactions and 42 sell transactions.It’s important to note, however, that that selling activity mainly took place during AMD’s big run-up back in the May to November 2021 corridor. The buying kicked in on the downside, which is reasonable behavior for any investor.The Chip Shortage Continues, Making AMD’s Future BrighterThe good news—though it’s backhanded good news at best—is that the chip shortage is likely to continue for some time. Intel CEO Pat Gelsinger suggests that the chip shortage is likely to continue until at least 2024. Gelsinger suggests that “…constrained availability of key manufacturing tools” will become an issue.Meanwhile, Ford reported a 10.5% sales decline. Though this was a smaller sales loss than had been seen earlier, the chip shortage was still hurting car supplies. Supplies of PlayStation 5 units will likely continue to see shortfalls going into 2024 as well, reports note.Take these factors together, and suddenly, things look good for AMD. Not only will there be steady and rising demand for all its products—AMD itself looks for gains from increasing demand from data centers—but the ability of other firms to join the fray and pull market share will decline as well. That should open up a new opportunity for AMD to sell about as much as it can produce.Basically, there’s more demand than ever for chips. There’s a growing demand for things that you wouldn’t expect to have a chip in them but do somehow (like cars). There’s a growing demand for gaming consoles; the new console versions are spiking demand, especially with lingering concerns over COVID-19.Take the combination of ongoing high demand for AMD products, a declining number of firms that can even get into the market, and AMD’s recent drop in value over April, and that certainly suggests a course of action.Granted, some are concerned about the impacts of inflation on chip demand, and with good reason. When people are struggling to buy food, they’re not going to be too interested in a new computer.However, consider how wide the demand/supply gap is right now. Consider Ford’s “Ice Mountain.” Back in February, an array of new Broncos sat in an outdoor lot, awaiting the last chips needed to complete them.While inflation will certainly have an impact, it’s safe to say that the demand right now is sufficiently broad that it can accommodate a little inflation-fueled loss.Concluding ViewsDemand for computers is brisk across virtually every sector of the economy. Big data systems demand computers to search for actionable patterns. Smart homes need computers to operate their various voice-controlled systems. Gamers need computers to play the latest titles. The list just keeps going.With all these use cases on AMD’s side, even some inflation-induced losses aren’t likely to slow the overall trajectory of demand very much. That, combined with some attractive per-share pricing right now that’s well under highs, makes for a combination that’s hard to resist. That’s exactly why I’m bullish on AMD.","news_type":1},"isVote":1,"tweetType":1,"viewCount":251,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":276145592705184,"gmtCreate":1708448652284,"gmtModify":1708448653547,"author":{"id":"3575881983204613","authorId":"3575881983204613","name":"摩拳擦掌","avatar":"https://static.tigerbbs.com/0208e7f76db9b3124aeeeb5dda03dc46","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3575881983204613","authorIdStr":"3575881983204613"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/NVDA\">$NVIDIA Corp(NVDA)$&nbsp;</a><v-v data-views=\"1\"></v-v>&nbsp;","listText":"<a href=\"https://ttm.financial/S/NVDA\">$NVIDIA Corp(NVDA)$&nbsp;</a><v-v data-views=\"1\"></v-v>&nbsp;","text":"$NVIDIA Corp(NVDA)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/276145592705184","isVote":1,"tweetType":1,"viewCount":357,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":268722890252424,"gmtCreate":1706640811082,"gmtModify":1706640814020,"author":{"id":"3575881983204613","authorId":"3575881983204613","name":"摩拳擦掌","avatar":"https://static.tigerbbs.com/0208e7f76db9b3124aeeeb5dda03dc46","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3575881983204613","authorIdStr":"3575881983204613"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/META\">$Meta Platforms, Inc.(META)$&nbsp;</a><v-v data-views=\"1\"></v-v>&nbsp;","listText":"<a href=\"https://ttm.financial/S/META\">$Meta Platforms, Inc.(META)$&nbsp;</a><v-v data-views=\"1\"></v-v>&nbsp;","text":"$Meta Platforms, Inc.(META)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/268722890252424","isVote":1,"tweetType":1,"viewCount":136,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":254495771762976,"gmtCreate":1703169413009,"gmtModify":1703169415422,"author":{"id":"3575881983204613","authorId":"3575881983204613","name":"摩拳擦掌","avatar":"https://static.tigerbbs.com/0208e7f76db9b3124aeeeb5dda03dc46","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3575881983204613","authorIdStr":"3575881983204613"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/AMD\">$Advanced Micro Devices(AMD)$&nbsp;</a><v-v data-views=\"1\"></v-v>","listText":"<a href=\"https://ttm.financial/S/AMD\">$Advanced Micro Devices(AMD)$&nbsp;</a><v-v data-views=\"1\"></v-v>","text":"$Advanced Micro Devices(AMD)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/254495771762976","isVote":1,"tweetType":1,"viewCount":382,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9017500417,"gmtCreate":1649782726013,"gmtModify":1676534574943,"author":{"id":"3575881983204613","authorId":"3575881983204613","name":"摩拳擦掌","avatar":"https://static.tigerbbs.com/0208e7f76db9b3124aeeeb5dda03dc46","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3575881983204613","authorIdStr":"3575881983204613"},"themes":[],"htmlText":"[Happy]&nbsp;","listText":"[Happy]&nbsp;","text":"[Happy]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9017500417","repostId":"9016476123","repostType":1,"repost":{"id":9016476123,"gmtCreate":1649229403658,"gmtModify":1676534474180,"author":{"id":"3527667667103859","authorId":"3527667667103859","name":"TigerEvents","avatar":"https://community-static.tradeup.com/news/c266ef25181ace18bec1262357bbe1a8","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3527667667103859","authorIdStr":"3527667667103859"},"themes":[],"title":"🏆【GAME】Hunting Eggs for Extra Saving!","htmlText":"Tiger has prepared some Easter gifts for you, please&nbsp;<a href=\"https://www.tigerbrokers.com.sg/activity/market/2022/easter/\" target=\"_blank\">click&nbsp;here</a>&nbsp;to check them out!Easter can still be a bonus-boosting. Come and find the eggs in our Easter game to open the surprise! Each game contains 3 rounds, the more eggs you catch, the higher the points you can get. Game points can be redeemed for various rewards, including different value stock vouchers worth up to USD 1,000 are waiting for you! Moreover, catching special eggs can get extra points and chances to crack open for some wonderful Easter treats.There are too many hidden surprises to find, oops, the game attempts run out too fast. Don't worry, complete different tasks to earn more game attempts. Also, invite your frien","listText":"Tiger has prepared some Easter gifts for you, please&nbsp;<a href=\"https://www.tigerbrokers.com.sg/activity/market/2022/easter/\" target=\"_blank\">click&nbsp;here</a>&nbsp;to check them out!Easter can still be a bonus-boosting. Come and find the eggs in our Easter game to open the surprise! Each game contains 3 rounds, the more eggs you catch, the higher the points you can get. Game points can be redeemed for various rewards, including different value stock vouchers worth up to USD 1,000 are waiting for you! Moreover, catching special eggs can get extra points and chances to crack open for some wonderful Easter treats.There are too many hidden surprises to find, oops, the game attempts run out too fast. Don't worry, complete different tasks to earn more game attempts. Also, invite your frien","text":"Tiger has prepared some Easter gifts for you, please click here to check them out!Easter can still be a bonus-boosting. Come and find the eggs in our Easter game to open the surprise! Each game contains 3 rounds, the more eggs you catch, the higher the points you can get. Game points can be redeemed for various rewards, including different value stock vouchers worth up to USD 1,000 are waiting for you! Moreover, catching special eggs can get extra points and chances to crack open for some wonderful Easter treats.There are too many hidden surprises to find, oops, the game attempts run out too fast. Don't worry, complete different tasks to earn more game attempts. Also, invite your frien","images":[{"img":"https://community-static.tradeup.com/news/15b435c0d10e0e89ad3e06b7bbd04830","width":"2251","height":"1334"},{"img":"https://community-static.tradeup.com/news/ff9640a9df2f24446e07b7a9b658cb4b","width":"1200","height":"630"},{"img":"https://community-static.tradeup.com/news/795038848b7c7b1d7dda27d92b580946","width":"1656","height":"948"}],"top":1,"highlighted":1,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9016476123","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":3,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":240,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9009812426,"gmtCreate":1640608252382,"gmtModify":1676533528656,"author":{"id":"3575881983204613","authorId":"3575881983204613","name":"摩拳擦掌","avatar":"https://static.tigerbbs.com/0208e7f76db9b3124aeeeb5dda03dc46","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3575881983204613","authorIdStr":"3575881983204613"},"themes":[],"htmlText":"Like","listText":"Like","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9009812426","repostId":"2194177864","repostType":4,"repost":{"id":"2194177864","kind":"highlight","pubTimestamp":1640574780,"share":"https://ttm.financial/m/news/2194177864?lang=&edition=fundamental","pubTime":"2021-12-27 11:13","market":"us","language":"en","title":"Will SoFi Technologies Be a Breakout Stock in 2022?","url":"https://stock-news.laohu8.com/highlight/detail?id=2194177864","media":"Motley Fool","summary":"The financial super app might be ready to shine this year.","content":"<p><b>Key Points</b></p>\n<ul>\n <li>SoFi Technologies' stock has fallen from recent highs despite the company' long-term prospects.</li>\n <li>A lot of good news might be on the way for SoFi shareholders.</li>\n <li>Receiving a national bank charter might set the stock off in 2022.</li>\n</ul>\n<p>Versatile fintech <a href=\"https://laohu8.com/S/SOFI\"><b>Sofi Technologies</b> </a> was one&nbsp;of the most notable companies to go public through a special purpose acquisition company (SPAC) in 2021. Although the stock was trading around its highs just last month, it's tumbled since then, along with many other growth companies.</p>\n<p>But 2022 is setting up to be an excellent year for the business, and investors might have a hard time turning the stock away with so much potential good news coming. Here are three reasons why SoFi could be one of the top stock ideas of 2022.</p>\n<h2>1. The super app continues picking up users</h2>\n<p>SoFi is one of the first companies to develop a financial \"super-app,\" which combines many features into a single user interface. Traditionally, a consumer might have one app for their bank, another for each credit card they use, and yet another for their brokerage.&nbsp;SoFi offers payments, credit score monitoring, investing, loans, and more in a single place.</p>\n<p>SoFi's model makes life easier for users than a typical bank, which might isolate customer data based on which product or service they're using. And it's easier for the company than operating an expensive network of physical branch locations.&nbsp;The super app lowers SoFi's customer acquisition costs, it's digital, and once a user adopts one of SoFi's products, there are no additional costs for cross-selling because they're already on the platform.</p>\n<p>The concept is becoming popular, and other companies like <b>Affirm Holdings</b> are developing potentially competing products. Still, SoFi has benefited as a first mover, growing users from 704,000 in the first quarter of 2019 to 2.9 million in the third quarter of 2021. User growth was 96% year over year in Q3, showing that momentum remains strong.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/1340beec0e28cc1513ea54cfd86b1c3f\" tg-width=\"2000\" tg-height=\"1333\" width=\"100%\" height=\"auto\"><span>IMAGE SOURCE: GETTY IMAGES.</span></p>\n<h2>2. The lending business gets back on track</h2>\n<p>Lending, especially student loans, is SoFi's core business. The company has faced challenges in this area from a federal freeze on student loans, a measure taken to provide financial relief during the pandemic. The uncertainty this plan has created kept management from raising 2021 guidance in the second quarter. Management estimated a potential 4% to 5% revenue hit from the freeze, roughly $40 million.</p>\n<p>We can see this playing out in SoFi's third-quarter loan originations. Mortgage originations grew 26% year over year in Q3, while personal loans grew 166%, but student loans shrank by 6%.</p>\n<p>The student loan freeze ends in January; when it does, there could be a surge in students looking to refinance, which would potentially boost SoFi's lending business. SoFi's confidence has increased since Q2, as management raised 2021 revenue guidance in Q3 from $980 million to $1.01 billion. Investors should look for student loan momentum in the first two quarters of 2022 to see how it impacts the overall business.</p>\n<h2>3. A bank charter could be imminent</h2>\n<p>SoFi formally applied for a national bank charter in July 2020 and acquired&nbsp;community bank Golden Pacific Bancorp in March to help advance those efforts. The company currently underwrites its loans using third-party banks, but a charter would allow SoFi to fully operate as a bank, using deposits to fund its loans.</p>\n<p>Aside from regulatory changes, a lower cost of capital would be the primary benefit for SoFi. It would noticeably improve the business' profitability; management estimates that a charter could improve the company's earnings before interest, taxes, depreciation, and amortization (EBITDA) by an incremental $1 billion through 2025.</p>\n<p>Investors could be waiting for some sort of formal approval to begin pricing this into the stock. SoFi recently named Chad Borton the new president of SoFi Bank; Borton previously worked as an executive at other banks, including USAA and <b>Fifth Third</b>. The company has also beefed up its balance sheet, recently redeeming stock warrants related to its SPAC merger&nbsp;and raising $1.1 billion in convertible debt in October. These moves could be in anticipation of receiving approval for the charter.</p>\n<p>If SoFi can continue to acquire users for its super app and if student loan origination picks up in 2022, the banking charter might be the big push the stock needs to steal the spotlight next year.</p>","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>Will SoFi Technologies Be a Breakout Stock in 2022?</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\">\nWill SoFi Technologies Be a Breakout Stock in 2022?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-27 11:13 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/26/will-sofi-technologies-be-a-breakout-stock-in-2022/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Key Points\n\nSoFi Technologies' stock has fallen from recent highs despite the company' long-term prospects.\nA lot of good news might be on the way for SoFi shareholders.\nReceiving a national bank ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/26/will-sofi-technologies-be-a-breakout-stock-in-2022/\">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://www.fool.com/investing/2021/12/26/will-sofi-technologies-be-a-breakout-stock-in-2022/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2194177864","content_text":"Key Points\n\nSoFi Technologies' stock has fallen from recent highs despite the company' long-term prospects.\nA lot of good news might be on the way for SoFi shareholders.\nReceiving a national bank charter might set the stock off in 2022.\n\nVersatile fintech Sofi Technologies  was one of the most notable companies to go public through a special purpose acquisition company (SPAC) in 2021. Although the stock was trading around its highs just last month, it's tumbled since then, along with many other growth companies.\nBut 2022 is setting up to be an excellent year for the business, and investors might have a hard time turning the stock away with so much potential good news coming. Here are three reasons why SoFi could be one of the top stock ideas of 2022.\n1. The super app continues picking up users\nSoFi is one of the first companies to develop a financial \"super-app,\" which combines many features into a single user interface. Traditionally, a consumer might have one app for their bank, another for each credit card they use, and yet another for their brokerage. SoFi offers payments, credit score monitoring, investing, loans, and more in a single place.\nSoFi's model makes life easier for users than a typical bank, which might isolate customer data based on which product or service they're using. And it's easier for the company than operating an expensive network of physical branch locations. The super app lowers SoFi's customer acquisition costs, it's digital, and once a user adopts one of SoFi's products, there are no additional costs for cross-selling because they're already on the platform.\nThe concept is becoming popular, and other companies like Affirm Holdings are developing potentially competing products. Still, SoFi has benefited as a first mover, growing users from 704,000 in the first quarter of 2019 to 2.9 million in the third quarter of 2021. User growth was 96% year over year in Q3, showing that momentum remains strong.\nIMAGE SOURCE: GETTY IMAGES.\n2. The lending business gets back on track\nLending, especially student loans, is SoFi's core business. The company has faced challenges in this area from a federal freeze on student loans, a measure taken to provide financial relief during the pandemic. The uncertainty this plan has created kept management from raising 2021 guidance in the second quarter. Management estimated a potential 4% to 5% revenue hit from the freeze, roughly $40 million.\nWe can see this playing out in SoFi's third-quarter loan originations. Mortgage originations grew 26% year over year in Q3, while personal loans grew 166%, but student loans shrank by 6%.\nThe student loan freeze ends in January; when it does, there could be a surge in students looking to refinance, which would potentially boost SoFi's lending business. SoFi's confidence has increased since Q2, as management raised 2021 revenue guidance in Q3 from $980 million to $1.01 billion. Investors should look for student loan momentum in the first two quarters of 2022 to see how it impacts the overall business.\n3. A bank charter could be imminent\nSoFi formally applied for a national bank charter in July 2020 and acquired community bank Golden Pacific Bancorp in March to help advance those efforts. The company currently underwrites its loans using third-party banks, but a charter would allow SoFi to fully operate as a bank, using deposits to fund its loans.\nAside from regulatory changes, a lower cost of capital would be the primary benefit for SoFi. It would noticeably improve the business' profitability; management estimates that a charter could improve the company's earnings before interest, taxes, depreciation, and amortization (EBITDA) by an incremental $1 billion through 2025.\nInvestors could be waiting for some sort of formal approval to begin pricing this into the stock. SoFi recently named Chad Borton the new president of SoFi Bank; Borton previously worked as an executive at other banks, including USAA and Fifth Third. The company has also beefed up its balance sheet, recently redeeming stock warrants related to its SPAC merger and raising $1.1 billion in convertible debt in October. These moves could be in anticipation of receiving approval for the charter.\nIf SoFi can continue to acquire users for its super app and if student loan origination picks up in 2022, the banking charter might be the big push the stock needs to steal the spotlight next year.","news_type":1},"isVote":1,"tweetType":1,"viewCount":525,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}