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2023-10-30

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2023-06-23

[What]

SoFi Technologies Shares Fall over 7% in Morning Trading

01-29

[Miser]

SoFi Stock Jumps 9% After Posting First-Ever Quarterly Profit

2022-11-29

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2022-11-29

$SoFi Technologies Inc.(SOFI)$ [Sad] [Duh] [Miser]

Will SoFi Be a Breakout Stock in 2023?

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[Miser] [Miser]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/236057313116248","repostId":"1191175396","repostType":2,"repost":{"id":"1191175396","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":1,"media_name":"Dow Jones","id":"1012688067","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1698663705,"share":"https://ttm.financial/m/news/1191175396?lang=&edition=fundamental","pubTime":"2023-10-30 19:01","market":"us","language":"en","title":"SoFi Stock Rises 7% on Strong Student Loan Originations and Guidance Boost","url":"https://stock-news.laohu8.com/highlight/detail?id=1191175396","media":"Dow Jones","summary":"SoFi Technologies: Q3 Non-GAAP EPS of -$0.03 beats by $0.06.Revenue of $537.2M  beats by $21.64M.GAAP Net Revenue of $537 Million Up 27%; $531 Million Adjusted Net Revenue Up 27% Year-over-YearNew Member Adds of Over 717,000; Quarter-End Total Members Up 47% Year-over-Year to Over 6.9 MillionNew Product Adds of Nearly 1,047,000; Quarter-End Total Products Up 45% Year-over-Year to Over 10.4 MillionTotal Deposit Growth of $2.9 Billion, Up 23% During the Third Quarter to $15.7 Billion$68 Million Gr","content":"<html><head></head><body><p><a href=\"https://laohu8.com/S/SOFI\">SoFi Technologies Inc.</a> shares surged 7% in Monday’s premarket action after the financial-technology company posted a large revenue beat for the latest quarter and gave an upbeat outlook.</p><p>The company notched a third-quarter net loss of $266.7 million, or 29 cents a share, whereas it posted a loss of $84.4 million, or 9 cents a share, in the year-earlier period. Analysts tracked by FactSet were modeling an 8-cent loss per share.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/57387ee86513493a4b88fde28083ac7b\" title=\"\" tg-width=\"805\" tg-height=\"631\"/></p><p>SoFi said that, excluding the impact of non-cash impairment charges, it would have seen a 3-cent loss per share, “which reinforces our confidence in achieving positive GAAP net income in the fourth quarter of 2023.”</p><p>SoFi also posted earnings before interest, taxes, depreciation and amortization (Ebitda) of $98 million, compared with $44 million on the non-GAAP metric in the year-earlier quarter. The FactSet consensus was for $65 million.</p><p>Revenue rose to $537 million from $424 million a year before, while analysts were expecting $518 million.</p><p>The company saw $3.9 billion in personal-loan originations, up 38% from a year before. Home-loan originations were up 64% to $355.7 million, as SoFi “began to benefit from the integration of Wyndham Capital Mortgage with improved fulfillment capacity from our acquisition at the beginning of the second quarter,” according to its release.</p><p>SoFi saw student-loan originations climb to $919.3 million, up 101% from a year prior.</p><p>For the full year, SoFi models $2.045 billion to $2.065 billion in adjusted net revenue, above a prior forecast that called for $1.974 billion to $2.034 billion. The FactSet consensus was for $2.026 billion.</p><p>SoFi also now models $386 million to $396 million in full-year adjusted Ebitda, up from an earlier forecast that called for $333 million to $343 million. Analysts were looking for $344 million.</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 Rises 7% on Strong Student Loan Originations and Guidance Boost</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 Rises 7% on Strong Student Loan Originations and Guidance Boost\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1012688067\">\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\">2023-10-30 19:01</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p><a href=\"https://laohu8.com/S/SOFI\">SoFi Technologies Inc.</a> shares surged 7% in Monday’s premarket action after the financial-technology company posted a large revenue beat for the latest quarter and gave an upbeat outlook.</p><p>The company notched a third-quarter net loss of $266.7 million, or 29 cents a share, whereas it posted a loss of $84.4 million, or 9 cents a share, in the year-earlier period. Analysts tracked by FactSet were modeling an 8-cent loss per share.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/57387ee86513493a4b88fde28083ac7b\" title=\"\" tg-width=\"805\" tg-height=\"631\"/></p><p>SoFi said that, excluding the impact of non-cash impairment charges, it would have seen a 3-cent loss per share, “which reinforces our confidence in achieving positive GAAP net income in the fourth quarter of 2023.”</p><p>SoFi also posted earnings before interest, taxes, depreciation and amortization (Ebitda) of $98 million, compared with $44 million on the non-GAAP metric in the year-earlier quarter. The FactSet consensus was for $65 million.</p><p>Revenue rose to $537 million from $424 million a year before, while analysts were expecting $518 million.</p><p>The company saw $3.9 billion in personal-loan originations, up 38% from a year before. Home-loan originations were up 64% to $355.7 million, as SoFi “began to benefit from the integration of Wyndham Capital Mortgage with improved fulfillment capacity from our acquisition at the beginning of the second quarter,” according to its release.</p><p>SoFi saw student-loan originations climb to $919.3 million, up 101% from a year prior.</p><p>For the full year, SoFi models $2.045 billion to $2.065 billion in adjusted net revenue, above a prior forecast that called for $1.974 billion to $2.034 billion. The FactSet consensus was for $2.026 billion.</p><p>SoFi also now models $386 million to $396 million in full-year adjusted Ebitda, up from an earlier forecast that called for $333 million to $343 million. Analysts were looking for $344 million.</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1191175396","content_text":"SoFi Technologies Inc. shares surged 7% in Monday’s premarket action after the financial-technology company posted a large revenue beat for the latest quarter and gave an upbeat outlook.The company notched a third-quarter net loss of $266.7 million, or 29 cents a share, whereas it posted a loss of $84.4 million, or 9 cents a share, in the year-earlier period. Analysts tracked by FactSet were modeling an 8-cent loss per share.SoFi said that, excluding the impact of non-cash impairment charges, it would have seen a 3-cent loss per share, “which reinforces our confidence in achieving positive GAAP net income in the fourth quarter of 2023.”SoFi also posted earnings before interest, taxes, depreciation and amortization (Ebitda) of $98 million, compared with $44 million on the non-GAAP metric in the year-earlier quarter. The FactSet consensus was for $65 million.Revenue rose to $537 million from $424 million a year before, while analysts were expecting $518 million.The company saw $3.9 billion in personal-loan originations, up 38% from a year before. Home-loan originations were up 64% to $355.7 million, as SoFi “began to benefit from the integration of Wyndham Capital Mortgage with improved fulfillment capacity from our acquisition at the beginning of the second quarter,” according to its release.SoFi saw student-loan originations climb to $919.3 million, up 101% from a year prior.For the full year, SoFi models $2.045 billion to $2.065 billion in adjusted net revenue, above a prior forecast that called for $1.974 billion to $2.034 billion. The FactSet consensus was for $2.026 billion.SoFi also now models $386 million to $396 million in full-year adjusted Ebitda, up from an earlier forecast that called for $333 million to $343 million. Analysts were looking for $344 million.","news_type":1},"isVote":1,"tweetType":1,"viewCount":206,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":190481227980944,"gmtCreate":1687529729447,"gmtModify":1687529833800,"author":{"id":"3581560113743637","authorId":"3581560113743637","name":"GGX","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581560113743637","authorIdStr":"3581560113743637"},"themes":[],"htmlText":"[What]&nbsp;","listText":"[What]&nbsp;","text":"[What]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/190481227980944","repostId":"1199226544","repostType":2,"isVote":1,"tweetType":1,"viewCount":189,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9962980979,"gmtCreate":1669694439992,"gmtModify":1676538224644,"author":{"id":"3581560113743637","authorId":"3581560113743637","name":"GGX","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581560113743637","authorIdStr":"3581560113743637"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a>[Sad]&nbsp;[Duh]&nbsp;[Miser]&nbsp;","listText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a>[Sad]&nbsp;[Duh]&nbsp;[Miser]&nbsp;","text":"$SoFi Technologies Inc.(SOFI)$ [Sad] [Duh] [Miser]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9962980979","repostId":"2286599251","repostType":2,"isVote":1,"tweetType":1,"viewCount":287,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9962917937,"gmtCreate":1669694314730,"gmtModify":1676538224614,"author":{"id":"3581560113743637","authorId":"3581560113743637","name":"GGX","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581560113743637","authorIdStr":"3581560113743637"},"themes":[],"htmlText":"[Miser]&nbsp;[Miser]&nbsp;[Miser]&nbsp;","listText":"[Miser]&nbsp;[Miser]&nbsp;[Miser]&nbsp;","text":"[Miser] [Miser] [Miser]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9962917937","isVote":1,"tweetType":1,"viewCount":283,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":236057313116248,"gmtCreate":1698664073395,"gmtModify":1698664183263,"author":{"id":"3581560113743637","authorId":"3581560113743637","name":"GGX","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3581560113743637","idStr":"3581560113743637"},"themes":[],"htmlText":"[Miser]&nbsp;[Miser]&nbsp;[Miser]&nbsp;&nbsp;","listText":"[Miser]&nbsp;[Miser]&nbsp;[Miser]&nbsp;&nbsp;","text":"[Miser] [Miser] [Miser]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/236057313116248","repostId":"1191175396","repostType":2,"isVote":1,"tweetType":1,"viewCount":206,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":190481227980944,"gmtCreate":1687529729447,"gmtModify":1687529833800,"author":{"id":"3581560113743637","authorId":"3581560113743637","name":"GGX","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3581560113743637","idStr":"3581560113743637"},"themes":[],"htmlText":"[What]&nbsp;","listText":"[What]&nbsp;","text":"[What]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/190481227980944","repostId":"1199226544","repostType":2,"repost":{"id":"1199226544","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1687529294,"share":"https://ttm.financial/m/news/1199226544?lang=&edition=fundamental","pubTime":"2023-06-23 22:08","market":"us","language":"en","title":"SoFi Technologies Shares Fall over 7% in Morning Trading","url":"https://stock-news.laohu8.com/highlight/detail?id=1199226544","media":"Tiger Newspress","summary":"Compass Point Initiates Coverage of SoFi Technologies at \"Sell\" With a Price Target of $5.00","content":"<html><head></head><body><p>An analyst from Compass Point initiated coverage of SoFi Technologies (NASDAQ: SOFI) at &#39;sell&#39; with a price target of $5.00.</p><p style=\"text-align: left;\">Prior to this rating, SoFi Technologies had 6 buy ratings, 9 hold ratings, and 1 sell ratings.</p><p style=\"text-align: left;\">SoFi Technologies&#39;s stock price closed at $8.49. They are up 62.96% in the last month and up 46.89% in the last 12 months.</p><p style=\"text-align: left;\">According to Investing Pro, SoFi Technologies&#39;s fair value is $7.34, a downside of 13.50%. SoFi Technologies&#39;s fair value comes with a high degree of uncertainty.</p><p>SoFi Technologies shares fell over 7% in morning trading.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/689a34d8792a09e09e2ccfcf9c862fc3\" tg-width=\"771\" tg-height=\"629\"/></p><p></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 Technologies Shares Fall over 7% in Morning Trading</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 Technologies Shares Fall over 7% in Morning Trading\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time\">2023-06-23 22:08</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>An analyst from Compass Point initiated coverage of SoFi Technologies (NASDAQ: SOFI) at &#39;sell&#39; with a price target of $5.00.</p><p style=\"text-align: left;\">Prior to this rating, SoFi Technologies had 6 buy ratings, 9 hold ratings, and 1 sell ratings.</p><p style=\"text-align: left;\">SoFi Technologies&#39;s stock price closed at $8.49. They are up 62.96% in the last month and up 46.89% in the last 12 months.</p><p style=\"text-align: left;\">According to Investing Pro, SoFi Technologies&#39;s fair value is $7.34, a downside of 13.50%. SoFi Technologies&#39;s fair value comes with a high degree of uncertainty.</p><p>SoFi Technologies shares fell over 7% in morning trading.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/689a34d8792a09e09e2ccfcf9c862fc3\" tg-width=\"771\" tg-height=\"629\"/></p><p></p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1199226544","content_text":"An analyst from Compass Point initiated coverage of SoFi Technologies (NASDAQ: SOFI) at 'sell' with a price target of $5.00.Prior to this rating, SoFi Technologies had 6 buy ratings, 9 hold ratings, and 1 sell ratings.SoFi Technologies's stock price closed at $8.49. They are up 62.96% in the last month and up 46.89% in the last 12 months.According to Investing Pro, SoFi Technologies's fair value is $7.34, a downside of 13.50%. SoFi Technologies's fair value comes with a high degree of uncertainty.SoFi Technologies shares fell over 7% in morning trading.","news_type":1},"isVote":1,"tweetType":1,"viewCount":189,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":268326967980288,"gmtCreate":1706532425889,"gmtModify":1706532430324,"author":{"id":"3581560113743637","authorId":"3581560113743637","name":"GGX","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3581560113743637","idStr":"3581560113743637"},"themes":[],"htmlText":"[Miser]&nbsp;&nbsp;","listText":"[Miser]&nbsp;&nbsp;","text":"[Miser]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/268326967980288","repostId":"2407857131","repostType":2,"repost":{"id":"2407857131","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":1,"media_name":"Dow Jones","id":"1012688067","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1706531153,"share":"https://ttm.financial/m/news/2407857131?lang=&edition=fundamental","pubTime":"2024-01-29 20:25","market":"us","language":"en","title":"SoFi Stock Jumps 9% After Posting First-Ever Quarterly Profit","url":"https://stock-news.laohu8.com/highlight/detail?id=2407857131","media":"Dow Jones","summary":"$SoFi Technologies Inc.(SOFI)$ shares were surging in premarket trading Monday after the financial-technology company rode surging lending volumes to better-than-expected profitability for the latest ","content":"<html><head></head><body><p style=\"text-align: start;\">Shares of SoFi Technologies were trading sharply higher Monday after the fintech posted its first quarterly profit and issued long-term guidance.</p><p style=\"text-align: start;\">SoFi posted fourth-quarter earnings of 2 cents a share, beating Wall Street’s call for a break-even quarter. In the year-ago quarter, it posted a loss of five cents, according to FactSet.</p><p>Adjusted net revenue of $594.25 million beat the $572 million analysts’ had forecast. A year ago, revenue was were $443.42 million.</p><p>“Record revenue at the company level was driven by record revenue across all three of our business segments, with a record contribution of 40% of adjusted net revenue generated by our non-Lending segments (Technology Platform and Financial Services segments),” CEO Anthony Noto said in a statement.</p><p>For its first fiscal quarter, the company expects to post adjusted net revenue between $550 million and $560 million, adjusted Ebitda between $110 million and $120 million and net income of $10 million to $20 million.</p><p>For full-year 2024, SoFi expects earnings per share between 7 cents and 8 cents. Analysts had been forecasting 5 cents.</p><p>And beyond 2024, the company forecasts 20% to 25% compound revenue growth between 2023 and 2026, with earnings per share expected at between 55 cents and 80 cents a share in 2026.</p><p>SoFi stock was rising 9.5% to $8.34 in premarket trading Monday. Over the last 12 months, shares have gained 14%.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/7f244e34f5311d54a1e47f259d0f2e11\" tg-width=\"844\" tg-height=\"622\"/></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 Jumps 9% After Posting First-Ever Quarterly Profit</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 Jumps 9% After Posting First-Ever Quarterly Profit\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1012688067\">\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\">2024-01-29 20:25</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p style=\"text-align: start;\">Shares of SoFi Technologies were trading sharply higher Monday after the fintech posted its first quarterly profit and issued long-term guidance.</p><p style=\"text-align: start;\">SoFi posted fourth-quarter earnings of 2 cents a share, beating Wall Street’s call for a break-even quarter. In the year-ago quarter, it posted a loss of five cents, according to FactSet.</p><p>Adjusted net revenue of $594.25 million beat the $572 million analysts’ had forecast. A year ago, revenue was were $443.42 million.</p><p>“Record revenue at the company level was driven by record revenue across all three of our business segments, with a record contribution of 40% of adjusted net revenue generated by our non-Lending segments (Technology Platform and Financial Services segments),” CEO Anthony Noto said in a statement.</p><p>For its first fiscal quarter, the company expects to post adjusted net revenue between $550 million and $560 million, adjusted Ebitda between $110 million and $120 million and net income of $10 million to $20 million.</p><p>For full-year 2024, SoFi expects earnings per share between 7 cents and 8 cents. Analysts had been forecasting 5 cents.</p><p>And beyond 2024, the company forecasts 20% to 25% compound revenue growth between 2023 and 2026, with earnings per share expected at between 55 cents and 80 cents a share in 2026.</p><p>SoFi stock was rising 9.5% to $8.34 in premarket trading Monday. Over the last 12 months, shares have gained 14%.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/7f244e34f5311d54a1e47f259d0f2e11\" tg-width=\"844\" tg-height=\"622\"/></p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://www.marketwatch.com/story/sofis-stock-rockets-as-earnings-blow-past-expectations-on-surging-loan-volumes-b7653d3b?mod=newsviewer_click","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2407857131","content_text":"Shares of SoFi Technologies were trading sharply higher Monday after the fintech posted its first quarterly profit and issued long-term guidance.SoFi posted fourth-quarter earnings of 2 cents a share, beating Wall Street’s call for a break-even quarter. In the year-ago quarter, it posted a loss of five cents, according to FactSet.Adjusted net revenue of $594.25 million beat the $572 million analysts’ had forecast. A year ago, revenue was were $443.42 million.“Record revenue at the company level was driven by record revenue across all three of our business segments, with a record contribution of 40% of adjusted net revenue generated by our non-Lending segments (Technology Platform and Financial Services segments),” CEO Anthony Noto said in a statement.For its first fiscal quarter, the company expects to post adjusted net revenue between $550 million and $560 million, adjusted Ebitda between $110 million and $120 million and net income of $10 million to $20 million.For full-year 2024, SoFi expects earnings per share between 7 cents and 8 cents. Analysts had been forecasting 5 cents.And beyond 2024, the company forecasts 20% to 25% compound revenue growth between 2023 and 2026, with earnings per share expected at between 55 cents and 80 cents a share in 2026.SoFi stock was rising 9.5% to $8.34 in premarket trading Monday. Over the last 12 months, shares have gained 14%.","news_type":1},"isVote":1,"tweetType":1,"viewCount":92,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9962917937,"gmtCreate":1669694314730,"gmtModify":1676538224614,"author":{"id":"3581560113743637","authorId":"3581560113743637","name":"GGX","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3581560113743637","idStr":"3581560113743637"},"themes":[],"htmlText":"[Miser]&nbsp;[Miser]&nbsp;[Miser]&nbsp;","listText":"[Miser]&nbsp;[Miser]&nbsp;[Miser]&nbsp;","text":"[Miser] [Miser] [Miser]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9962917937","isVote":1,"tweetType":1,"viewCount":283,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9962980979,"gmtCreate":1669694439992,"gmtModify":1676538224644,"author":{"id":"3581560113743637","authorId":"3581560113743637","name":"GGX","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3581560113743637","idStr":"3581560113743637"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a>[Sad]&nbsp;[Duh]&nbsp;[Miser]&nbsp;","listText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a>[Sad]&nbsp;[Duh]&nbsp;[Miser]&nbsp;","text":"$SoFi Technologies Inc.(SOFI)$ [Sad] [Duh] [Miser]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9962980979","repostId":"2286599251","repostType":2,"repost":{"id":"2286599251","pubTimestamp":1669691898,"share":"https://ttm.financial/m/news/2286599251?lang=&edition=fundamental","pubTime":"2022-11-29 11:18","market":"us","language":"en","title":"Will SoFi Be a Breakout Stock in 2023?","url":"https://stock-news.laohu8.com/highlight/detail?id=2286599251","media":"Motley Fool","summary":"The best thing about hitting rock bottom is there's nowhere else to go but up.","content":"<html><head></head><body><p>Financial services are one of the world&#39;s largest industries, worth trillions of dollars. It&#39;s also one of the oldest, with a lot of traditional ideas about how to operate and how to make money. Financial technology companies like <b>SoFi Technologies</b> are trying to do things differently and, as a result, are nipping at the heels of traditional banks.</p><p>But trying to change how banking is done hasn&#39;t been without its difficulties for this company since SoFi went public in June 2021. Share prices are down about 82% from their high point in early 2021 and now trade near all-time lows. What has the market so down on this stock in 2022? And more importantly, can it regain the market&#39;s confidence going forward?</p><p>Here is why SoFi&#39;s stock could shine like a diamond in 2023.</p><h2>SoFi investors showing lots of uncertainty right now</h2><p>SoFi is a digital bank, which means it doesn&#39;t have physical branches. Most members access SoFi using smartphones to access its <i>Super App</i> which provides the services SoFi offers. Those services include checking and savings banking, peer-to-peer payments, investing, and various loans like mortgages, student loans, and more.</p><p>SoFi was awarded a coveted banking charter earlier this year, but that was followed by some bad luck (especially recently). Its student loan business has effectively been frozen because the U.S. government told loan recipients at the start of the pandemic that repayment requirements were frozen and the government has yet to unfreeze the payment requirements. The freeze was supposed to end at the start of 2023, but President Joe Biden recently extended the freeze until the end of June 2023 after a federal court blocked his attempt to forgive up to $20,000 in debt among qualified borrowers. Biden is waiting for the case to be settled before ending the freeze. The loans don&#39;t accumulate interest during the freeze, so borrowers are not incentivized to refinance them until payments resume. SoFi can&#39;t do much to monetize student loans until the freeze lifts.</p><p>The cryptocurrency industry is also going through turmoil due to the collapse of FTX, one of the major exchanges. Following FTX&#39;s collapse, some United States senators called for greater scrutiny of banks that have crypto trading segments.</p><p>When SoFi got its bank charter, the Federal Reserve pointed out that some of the activities conducted by its crypto brokerage, SoFi Digital Assets, were impermissible for banks. SoFi was given two years to divest itself of the division or else get in compliance with the law. During that conformance period, SoFi was not supposed to expand its crypto offerings. The senators raised concerns because it seems SoFi expanded its crypto offerings by allowing customers to invest part of their direct deposits into crypto with no fees. SoFi also greatly expanded the number of cryptocurrencies it offers.</p><p>Crypto is a tiny part of SoFi&#39;s overall business; the fair value of all digital assets held for customers is just $132 million. Still, the idea of increased regulatory scrutiny isn&#39;t ideal.</p><h2>The business keeps delivering where it counts</h2><p>Investors should not disregard the headwinds SoFi faces, but they should also note the company&#39;s stellar performance it still manages to generate. SoFi is still consistently adding members over the past few years. Memberships increased 61% year over year in the third quarter of 2022 and now surpass 4.74 million.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/9e7bd3afa5d06d8de404c4980d46b34e\" tg-width=\"700\" tg-height=\"343\" width=\"100%\" height=\"auto\"/><span>Image source: SoFi Technologies.</span></p><p>Much of SoFi&#39;s growth comes at the expense of existing banks. Growth has slowed slightly as the base numbers get larger, but it&#39;s clear that SoFi maintains strong momentum, and investors should follow this moving forward.</p><p>The company&#39;s increasing profitability is another big positive for investors. SoFi generated a positive non-GAAP (adjusted) earnings before interest, taxes, depreciation, and amortization (EBITDA) of $30 million in 2021 and is guiding for between $115 million and $120 million in 2022. Getting the banking charter was a big help here; it allows SoFi to perform core banking functions like holding its deposits and loans instead of relying on a partner bank and giving them a cut. Investors should look for EBITDA to keep growing as members and revenue increase.</p><h2>Bright future, cheap stock</h2><p>Student loan payments should eventually resume, which will help SoFi. Cross-selling on SoFi&#39;s app could help lift revenue over time; the average member currently uses fewer than two products, so there&#39;s plenty of room to expand that, given all the Super App offers.</p><p>Meanwhile, SoFi&#39;s potential crypto investigation bears watching and is likely a big contributor to the stock price&#39;s fall this year. If SoFi can&#39;t get a handle on the situation and resolve it, the potential regulatory damage it could cause to SoFi&#39;s banking charter would be a big reason to revisit the investment thesis for this stock.</p><p>Still, the stock&#39;s brutal decline over crypto sort of flies in the face of the positive news and the real potential for the stock. While discouraging for investors, it seems Wall Street could be missing the mark here. At a price-to-book ratio lower than traditional banks like <b>Bank of America</b>, the stock appears beaten down into the gutter here:</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/043250a1817561e3ae9ebd535cbbc9d0\" tg-width=\"720\" tg-height=\"449\" width=\"100%\" height=\"auto\"/><span>SOFI Price to Book Value data by YCharts.</span></p><p>Given the immense growth potential that it has over the long term, SoFi seems like a favorable risk-versus-reward stock idea where the upside favors the long-term investor. The business must keep executing and stay out of regulatory crosshairs, but the stock does have the ingredients for a breakout in 2023.</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>Will SoFi Be a Breakout Stock in 2023?</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 Be a Breakout Stock in 2023?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-11-29 11:18 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2022/11/28/will-sofi-be-a-breakout-stock-in-2023/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Financial services are one of the world's largest industries, worth trillions of dollars. It's also one of the oldest, with a lot of traditional ideas about how to operate and how to make money. ...</p>\n\n<a href=\"https://www.fool.com/investing/2022/11/28/will-sofi-be-a-breakout-stock-in-2023/\">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/2022/11/28/will-sofi-be-a-breakout-stock-in-2023/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2286599251","content_text":"Financial services are one of the world's largest industries, worth trillions of dollars. It's also one of the oldest, with a lot of traditional ideas about how to operate and how to make money. Financial technology companies like SoFi Technologies are trying to do things differently and, as a result, are nipping at the heels of traditional banks.But trying to change how banking is done hasn't been without its difficulties for this company since SoFi went public in June 2021. Share prices are down about 82% from their high point in early 2021 and now trade near all-time lows. What has the market so down on this stock in 2022? And more importantly, can it regain the market's confidence going forward?Here is why SoFi's stock could shine like a diamond in 2023.SoFi investors showing lots of uncertainty right nowSoFi is a digital bank, which means it doesn't have physical branches. Most members access SoFi using smartphones to access its Super App which provides the services SoFi offers. Those services include checking and savings banking, peer-to-peer payments, investing, and various loans like mortgages, student loans, and more.SoFi was awarded a coveted banking charter earlier this year, but that was followed by some bad luck (especially recently). Its student loan business has effectively been frozen because the U.S. government told loan recipients at the start of the pandemic that repayment requirements were frozen and the government has yet to unfreeze the payment requirements. The freeze was supposed to end at the start of 2023, but President Joe Biden recently extended the freeze until the end of June 2023 after a federal court blocked his attempt to forgive up to $20,000 in debt among qualified borrowers. Biden is waiting for the case to be settled before ending the freeze. The loans don't accumulate interest during the freeze, so borrowers are not incentivized to refinance them until payments resume. SoFi can't do much to monetize student loans until the freeze lifts.The cryptocurrency industry is also going through turmoil due to the collapse of FTX, one of the major exchanges. Following FTX's collapse, some United States senators called for greater scrutiny of banks that have crypto trading segments.When SoFi got its bank charter, the Federal Reserve pointed out that some of the activities conducted by its crypto brokerage, SoFi Digital Assets, were impermissible for banks. SoFi was given two years to divest itself of the division or else get in compliance with the law. During that conformance period, SoFi was not supposed to expand its crypto offerings. The senators raised concerns because it seems SoFi expanded its crypto offerings by allowing customers to invest part of their direct deposits into crypto with no fees. SoFi also greatly expanded the number of cryptocurrencies it offers.Crypto is a tiny part of SoFi's overall business; the fair value of all digital assets held for customers is just $132 million. Still, the idea of increased regulatory scrutiny isn't ideal.The business keeps delivering where it countsInvestors should not disregard the headwinds SoFi faces, but they should also note the company's stellar performance it still manages to generate. SoFi is still consistently adding members over the past few years. Memberships increased 61% year over year in the third quarter of 2022 and now surpass 4.74 million.Image source: SoFi Technologies.Much of SoFi's growth comes at the expense of existing banks. Growth has slowed slightly as the base numbers get larger, but it's clear that SoFi maintains strong momentum, and investors should follow this moving forward.The company's increasing profitability is another big positive for investors. SoFi generated a positive non-GAAP (adjusted) earnings before interest, taxes, depreciation, and amortization (EBITDA) of $30 million in 2021 and is guiding for between $115 million and $120 million in 2022. Getting the banking charter was a big help here; it allows SoFi to perform core banking functions like holding its deposits and loans instead of relying on a partner bank and giving them a cut. Investors should look for EBITDA to keep growing as members and revenue increase.Bright future, cheap stockStudent loan payments should eventually resume, which will help SoFi. Cross-selling on SoFi's app could help lift revenue over time; the average member currently uses fewer than two products, so there's plenty of room to expand that, given all the Super App offers.Meanwhile, SoFi's potential crypto investigation bears watching and is likely a big contributor to the stock price's fall this year. If SoFi can't get a handle on the situation and resolve it, the potential regulatory damage it could cause to SoFi's banking charter would be a big reason to revisit the investment thesis for this stock.Still, the stock's brutal decline over crypto sort of flies in the face of the positive news and the real potential for the stock. While discouraging for investors, it seems Wall Street could be missing the mark here. At a price-to-book ratio lower than traditional banks like Bank of America, the stock appears beaten down into the gutter here:SOFI Price to Book Value data by YCharts.Given the immense growth potential that it has over the long term, SoFi seems like a favorable risk-versus-reward stock idea where the upside favors the long-term investor. The business must keep executing and stay out of regulatory crosshairs, but the stock does have the ingredients for a breakout in 2023.","news_type":1},"isVote":1,"tweetType":1,"viewCount":287,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}