Darren77 personal page - To The Moon

Darren77

Darren77

Cool n steady win the race!

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05-01

Wedbush, must have short hard on sofi! Keep on his sell rate on sofi... Hold sofi till u fly high n "kill" his sell rate! 🤣

Wedbush Reiterates Sell Rating on Sofi Technologies, Citing Transition Year Concerns

04-09

Buy n hold guys! Sofi will fly soon!🚀

Analyst Revamps SoFi Stock Price Target Ahead of Earnings

02-02

Yes! Let's eliminate the shorters!

SoFi's Flawless Execution Set To Eliminate The Bears

01-31

Waiting to enter!😆

Apple Stock Drops Over 1% As Analyst Says 2024 iPhone Shipments Likely to Decline Significantly By About 15% YoY

01-13

$Nu Holdings Ltd.(NU)$

01-12

Raised to 79? Hahaha! Is to be rephrased to drop! Joker of the day!

Coinbase (COIN) high volumes will likely drive a transaction revenue beat - BofA

01-04

Perito Must be a new shorter on board! U think this type of news will affect those holding long? I trust sofi more than U!🤬

SoFi's Stock Could Follow Record Year With a Sharp Plunge, This New Bear Warns

2023-12-17

$SoFi Technologies Inc.(SOFI)$ Hold on to more!

2023-11-20

Yes! Hold on tightly!💪

SoFi: Another Gift

2023-10-30

Time to fly high Sofi! 🚀

SoFi Stock Rises 7% on Strong Student Loan Originations and Guidance Boost

2023-08-02

Trying to funny here? From over 90+ to 55? What this guy is trying to imply? He must have short Roku!🤣

Morgan Stanley Maintains Underweight on Roku, Raises Price Target to $55

2023-07-13

Another short joker!

Sorry, the original content has been removed

2023-06-24

Please continue so that I can buy more of sofiat a cheaper rates! Thank you very much!🙏

SoFi's stock surge is 'overdone,' analyst warns: It's 'difficult to justify' owning shares now

2023-06-15

Nice to see that!

SOFI Stock Alert: BTIG Just Set a New Street-High Price Target

2023-06-15

Trying to short? Try harder!🤣

SoFi Technologies Cut to Perform From Outperform by Oppenheimer

2023-06-07

$Tesla Motors(TSLA)$ Holding on to 260+! Let's hit it Tesla!💪

2023-05-18

A piece of nonsense....

Upstart Holdings Price Target Maintained With a $6.00/Share by Stephens & Co.

2023-04-26

Another bank going soon?😓

第一共和银行暴跌，银行危机又要来了？

2023-04-19

$Tesla Motors(TSLA)$

2023-04-05

But stock price down... sad!

蔚来ET7斩获荷兰2023最佳电动汽车大奖

Go to Tiger App to see more news

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must have short hard on sofi! Keep on his sell rate on sofi... Hold sofi till u fly high n \"kill\" his sell rate! 🤣","listText":"Wedbush, must have short hard on sofi! Keep on his sell rate on sofi... Hold sofi till u fly high n \"kill\" his sell rate! 🤣","text":"Wedbush, must have short hard on sofi! Keep on his sell rate on sofi... Hold sofi till u fly high n \"kill\" his sell rate! 🤣","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/301238146388184","repostId":"2432517819","repostType":2,"repost":{"id":"2432517819","pubTimestamp":1714543800,"share":"https://ttm.financial/m/news/2432517819?lang=&edition=fundamental","pubTime":"2024-05-01 14:10","market":"us","language":"en","title":"Wedbush Reiterates Sell Rating on Sofi Technologies, Citing Transition Year Concerns","url":"https://stock-news.laohu8.com/highlight/detail?id=2432517819","media":"WallStreetZen","summary":"Wedbush's David Chiaverini reiterated their Sell rating on Sofi Technologies (NASDAQ: SOFI). The analyst also maintained a $3 price target.Chiaverini's assessment comes in response to Sofi Technologie","content":"<html><body><div><p>Wedbush's David Chiaverini reiterated their Sell rating on Sofi Technologies (NASDAQ: SOFI). The analyst also maintained a $3 price target.</p><p>Chiaverini's assessment comes in response to Sofi Technologies' Q1 2024 earnings report released on April 29, 2024. According to the analyst, the quarter's core EPS was \"in-line and management modestly raised its FY 2024 guidance.\" However, Chiaverini cautioned that Wedbush sees \"several offsetting negatives.\"</p><p>Chiaverini believes that \"slowing growth and credit quality weakness highlight what management called a transition year for Sofi Technologies.\" The analyst reported that Wedbush is concerned that weakening credit quality could negatively impact the company's fair value marks, which is why they reiterated their Sell rating. Chiaverini also stated that they have adjusted their FY 2024 core EPS estimate from $0.10 to $0.09 due to lower fee income assumptions. However, they did not make any adjustments to their core EPS estimates for FY 2025 or FY 2026, which stand at $0.30 and $0.40, respectively.</p><p>In terms of Q1 2024 performance, Sofi Technologies reported EPS of $0.02, which was in line with the consensus estimate but marked a significant improvement from Q1 2023's $(0.05). The company also reported revenue of $645M, beating the consensus estimate and showing a 37% increase compared to Q1 2023's $472.2M. Adjusted EBITDA for the quarter was $144.4M, representing a 90.8% increase from Q1 2023's $75.7M. Sofi Technologies' net income for Q1 2024 was $22.5M, a significant improvement from Q1 2023's $(44.4M).</p><p>Looking ahead, Sofi Technologies' management has guided for Q2 2024 revenue of $555M to $565M and adjusted EBITDA of $115M to $125M. For the full year, the company expects EPS of $0.08 to $0.09, up from the prior guidance of $0.07 to $0.08. Sofi Technologies also anticipates adjusted EBITDA of $590M to $600M, representing 15% to 17% adjusted net revenue growth and a 25% adjusted EBITDA margin. The revised guidance is an improvement from the previous forecast of $580M to $590M. Additionally, the company expects net income of $165M to $175M, up from the prior guidance of $95M to $105M.</p><p>CEO Anthony Noto commented on the strong start to 2024, stating that the company demonstrated significant momentum in revenue growth and diversification. Noto highlighted the growth of the Financial Services and Tech Platform segments, which combined grew 54% and represented a record 42% of consolidated adjusted net revenue. Despite flat Lending segment revenue, Noto emphasized the company's conservative approach in light of macroeconomic uncertainty.</p><p>In addition to Chiaverini's rating, Deutsche Bank's Mark Devries also issued an update on Sofi Technologies on April 30, 2024. Devries lowered their price target by -8.3% from $12 to $11 and maintained their Hold rating on the stock.</p><p>According to data from WallStreetZen, 33.3% of top-rated analysts currently rate Sofi Technologies as a Strong Buy or Buy. Another 50% see it as a Hold, while 16.7% either recommend or strongly recommend selling the stock.</p><p>Since the release of Sofi Technologies' latest quarterly report on April 29, 2024, the stock price has declined by 3.8%. However, when considering the year-over-year performance, the stock is still up by 23.9%. During this period, Sofi Technologies has outpaced the S&amp;P 500, which has seen a 20.8% increase.</p><p>David Chiaverini, the Wedbush analyst who reiterated the Sell rating on Sofi Technologies, is ranked in the top 33% out of 4,571 Wall Street analysts by WallStreetZen. Chiaverini specializes in the Technology and Financial Services sectors and has an average return of 0.4% and a 55.5% win rate.</p><p>Sofi Technologies, Inc. provides digital financial services through its Lending, Technology Platform, and Financial Services segments. The company offers a range of lending and financial services and products, including student loans, personal loans, home loans, cash management, investment, and technology services. Sofi Technologies also operates Galileo, a technology platform serving financial and non-financial institutions, as well as Apex, a technology-enabled platform providing investment custody and clearing brokerage services. The company was founded in 2011 and is headquartered in San Francisco, California.</p></div></body></html>","source":"wallstreetzen_highlight","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>Wedbush Reiterates Sell Rating on Sofi Technologies, Citing Transition Year Concerns</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\">\nWedbush Reiterates Sell Rating on Sofi Technologies, Citing Transition Year Concerns\n</h2>\n\n<h4 class=\"meta\">\n\n\n2024-05-01 14:10 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.wallstreetzen.com/news/wedbush-reiterates-sell-rating-on-sofi-technologies-citing-transition-year-concerns><strong>WallStreetZen</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Wedbush's David Chiaverini reiterated their Sell rating on Sofi Technologies (NASDAQ: SOFI). The analyst also maintained a $3 price target.Chiaverini's assessment comes in response to Sofi ...</p>\n\n<a href=\"https://www.wallstreetzen.com/news/wedbush-reiterates-sell-rating-on-sofi-technologies-citing-transition-year-concerns\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://images.unsplash.com/photo-1613243555978-636c48dc653c?crop=entropy&cs=tinysrgb&fit=crop&fm=jpg&ixid=M3w0NDY2OTN8MHwxfGFsbHx8fHx8fHx8fDE2OTA4OTUzNTB8&ixlib=rb-4.0.3&q=80&w=260&utm_source=wallstreetzen&utm_medium=referral&utm_campaign=api-credit&h=180","relate_stocks":{"BK4549":"软银资本持仓","SOFI":"SoFi Technologies Inc.","BK4535":"淡马锡持仓","BK4551":"寇图资本持仓","BK4166":"消费信贷"},"source_url":"https://www.wallstreetzen.com/news/wedbush-reiterates-sell-rating-on-sofi-technologies-citing-transition-year-concerns","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2432517819","content_text":"Wedbush's David Chiaverini reiterated their Sell rating on Sofi Technologies (NASDAQ: SOFI). The analyst also maintained a $3 price target.Chiaverini's assessment comes in response to Sofi Technologies' Q1 2024 earnings report released on April 29, 2024. According to the analyst, the quarter's core EPS was \"in-line and management modestly raised its FY 2024 guidance.\" However, Chiaverini cautioned that Wedbush sees \"several offsetting negatives.\"Chiaverini believes that \"slowing growth and credit quality weakness highlight what management called a transition year for Sofi Technologies.\" The analyst reported that Wedbush is concerned that weakening credit quality could negatively impact the company's fair value marks, which is why they reiterated their Sell rating. Chiaverini also stated that they have adjusted their FY 2024 core EPS estimate from $0.10 to $0.09 due to lower fee income assumptions. However, they did not make any adjustments to their core EPS estimates for FY 2025 or FY 2026, which stand at $0.30 and $0.40, respectively.In terms of Q1 2024 performance, Sofi Technologies reported EPS of $0.02, which was in line with the consensus estimate but marked a significant improvement from Q1 2023's $(0.05). The company also reported revenue of $645M, beating the consensus estimate and showing a 37% increase compared to Q1 2023's $472.2M. Adjusted EBITDA for the quarter was $144.4M, representing a 90.8% increase from Q1 2023's $75.7M. Sofi Technologies' net income for Q1 2024 was $22.5M, a significant improvement from Q1 2023's $(44.4M).Looking ahead, Sofi Technologies' management has guided for Q2 2024 revenue of $555M to $565M and adjusted EBITDA of $115M to $125M. For the full year, the company expects EPS of $0.08 to $0.09, up from the prior guidance of $0.07 to $0.08. Sofi Technologies also anticipates adjusted EBITDA of $590M to $600M, representing 15% to 17% adjusted net revenue growth and a 25% adjusted EBITDA margin. The revised guidance is an improvement from the previous forecast of $580M to $590M. Additionally, the company expects net income of $165M to $175M, up from the prior guidance of $95M to $105M.CEO Anthony Noto commented on the strong start to 2024, stating that the company demonstrated significant momentum in revenue growth and diversification. Noto highlighted the growth of the Financial Services and Tech Platform segments, which combined grew 54% and represented a record 42% of consolidated adjusted net revenue. Despite flat Lending segment revenue, Noto emphasized the company's conservative approach in light of macroeconomic uncertainty.In addition to Chiaverini's rating, Deutsche Bank's Mark Devries also issued an update on Sofi Technologies on April 30, 2024. Devries lowered their price target by -8.3% from $12 to $11 and maintained their Hold rating on the stock.According to data from WallStreetZen, 33.3% of top-rated analysts currently rate Sofi Technologies as a Strong Buy or Buy. Another 50% see it as a Hold, while 16.7% either recommend or strongly recommend selling the stock.Since the release of Sofi Technologies' latest quarterly report on April 29, 2024, the stock price has declined by 3.8%. However, when considering the year-over-year performance, the stock is still up by 23.9%. During this period, Sofi Technologies has outpaced the S&P 500, which has seen a 20.8% increase.David Chiaverini, the Wedbush analyst who reiterated the Sell rating on Sofi Technologies, is ranked in the top 33% out of 4,571 Wall Street analysts by WallStreetZen. Chiaverini specializes in the Technology and Financial Services sectors and has an average return of 0.4% and a 55.5% win rate.Sofi Technologies, Inc. provides digital financial services through its Lending, Technology Platform, and Financial Services segments. The company offers a range of lending and financial services and products, including student loans, personal loans, home loans, cash management, investment, and technology services. Sofi Technologies also operates Galileo, a technology platform serving financial and non-financial institutions, as well as Apex, a technology-enabled platform providing investment custody and clearing brokerage services. The company was founded in 2011 and is headquartered in San Francisco, California.","news_type":1},"isVote":1,"tweetType":1,"viewCount":217,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":293420117995792,"gmtCreate":1712655377829,"gmtModify":1712655381414,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Buy n hold guys! Sofi will fly soon!🚀","listText":"Buy n hold guys! Sofi will fly soon!🚀","text":"Buy n hold guys! Sofi will fly soon!🚀","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/293420117995792","repostId":"1156562372","repostType":2,"repost":{"id":"1156562372","pubTimestamp":1712651982,"share":"https://ttm.financial/m/news/1156562372?lang=&edition=fundamental","pubTime":"2024-04-09 16:39","market":"us","language":"en","title":"Analyst Revamps SoFi Stock Price Target Ahead of Earnings","url":"https://stock-news.laohu8.com/highlight/detail?id=1156562372","media":"The Street","summary":"Anthony Noto, chief executive of SoFi Technologies, used one word to describe 2023: \"remarkable.\"This was in January, when Noto was speaking to analysts about the online financial-services company's f","content":"<html><head></head><body><p>Anthony Noto, chief executive of SoFi Technologies, used one word to describe 2023: &#34;remarkable.&#34;</p><p>This was in January, when Noto was speaking to analysts about the online financial-services company&#39;s full-year and fourth-quarter results.</p><p>“We achieved multiple records and realized many of our aspirations despite seismic geopolitical and macroeconomic events,” he said during a conference call.</p><p>SoFi — a short form of Social Finance — beat Wall Street&#39;s fourth-quarter expectations, earning 2 cents a share on adjusted revenue of $594.3 million. Analysts surveyed by FactSet expected the company to break even on a per-share basis and post revenue of $575 million.</p><p>The company’s student-loan business saw origination volume nearly double year-over-year to $790 million. (The figure declined 14% from Q3.)</p><p>For the year-earlier fourth quarter, SoFi posted a loss of 5 cents a share on revenue of $443.4 million.</p><p>&#34;We demonstrated that we have built a business to thrive in a host of challenging environments, reacting swiftly to change, driving our business forward with standout financial performance, while continuing to serve our member’s needs,&#34; Noto said. </p><p>The former U.S. Army Ranger, who was Twitter&#39;s chief financial officer before he took over at SoFi, oversaw the company’s initial public offering in 2021.</p><h3 id=\"student-loan-pause-lawsuit\" style=\"text-align: start;\">SoFi sued US Education Department, dropped case</h3><p style=\"text-align: start;\">However, SoFi also saw some controversy last year.</p><p style=\"text-align: start;\">In response to the 2020 COVID pandemic shutdown, Congress passed legislation that allowed holders of federal student loans to stop making payments without any financial penalty. The program was extended nine times.</p><p style=\"text-align: start;\">In March 2023, SoFi, which has around $1 billion in revenue from private student loans and other offerings, sued the U.S. Department of Education to end the agency’s pause on federal student loan payments.</p><p>The company said it had lost $150 million to $200 million of profit since the moratorium started and maintained that the pause had no legal basis.</p><p>The Department of Education stated that the lawsuit was “an attempt by a multibillion-dollar company to make money while they force 45 million borrowers back into repayment — putting many at serious risk of financial harm.”</p><p>SoFi later withdrew the lawsuit.</p><p style=\"text-align: start;\">In March, SoFi said it planned to raise $750 million by issuing convertible senior notes. The company also said it entered into agreements with certain holders of existing convertible notes to exchange them for shares.</p><p style=\"text-align: start;\">“We did this deal from a position of strength,” CEO Noto told CNBC’s Jim Cramer on March 20. &#34;What we saw was an opportunity to lower our cost of debt.”</p><p style=\"text-align: start;\">Noto said the company “saw it as an opportunity to do it and have a negligible impact on GAAP earnings per share and also, combined with a buyback, have it be accretive to tangible book value per share by 8% to 10%.”</p><p style=\"text-align: start;\">“The reason why we did it is really important because I think this is what will put some momentum back into the stock,” he added.</p><h3 id=\"ceo-putting-momentum-in-stock\" style=\"text-align: start;\">SoFi set to report Q1 results April 29</h3><p style=\"text-align: start;\">SoFi is scheduled to report first-quarter results on April 29. FactSet calls for the company to earn 1 cent a share on revenue of $557 million. </p><p style=\"text-align: start;\">Several analysts have been adjusting their stock-price targets for SoFi, including Citi analyst Ashwin Shirvaikar, who resumed company coverage on April 8 with a buy rating and an $11 price target.</p><p>The analyst said the renewed buy rating with a high-risk designation is based on an updated financial model that includes the latest annual report data and recent capital markets transactions.</p><p>SoFi expects to save $40 million to $60 million in annual interest expense and dividend payments by using its issue of convertible senior notes to pay down higher-cost instruments.</p><p>Citi said that its fundamental bullish view on SoFi remains unchanged as the company&#39;s intended business diversification comes into focus, its ability to attract deposits continues to prove itself, and investors focus on forward profitability.</p><p>On April 6 Keefe, Bruyette &amp; Woods analyst Timothy Switzer raised his price target on SoFi stock by 15% to $7.50 a share in January, the research firm lowered its price target to $6.50 from $7.50.</p><p>Switzer said he still was concerned about earnings risk over the long term, but the risk of near-term negative catalysts had been reduced due to the stock’s more than 20% decline in 2024 and the company&#39;s recent capital raise.</p><p>On April 3, Needham analyst Kyle Peterson initiated coverage of SoFi stock with a buy rating and a $10 price target.</p><p>The analyst told investors he viewed the company “as a long-term winner in the digital lending/neobank space.”</p><p>Peterson said this was due largely to its focus on prime and super-prime consumers and its possession of a full banking license. Those two factors, he said, give SoFi &#34;superior unit economics compared to other consumer-finance platforms that focus on lower-income borrowers and/or lack a banking license.”</p></body></html>","source":"lsy1610613172068","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>Analyst Revamps SoFi Stock Price Target Ahead of Earnings</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\">\nAnalyst Revamps SoFi Stock Price Target Ahead of Earnings\n</h2>\n\n<h4 class=\"meta\">\n\n\n2024-04-09 16:39 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.thestreet.com/investing/analyst-revamps-sofi-stock-price-target-ahead-of-earnings><strong>The Street</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Anthony Noto, chief executive of SoFi Technologies, used one word to describe 2023: \"remarkable.\"This was in January, when Noto was speaking to analysts about the online financial-services company's ...</p>\n\n<a href=\"https://www.thestreet.com/investing/analyst-revamps-sofi-stock-price-target-ahead-of-earnings\">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.thestreet.com/investing/analyst-revamps-sofi-stock-price-target-ahead-of-earnings","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1156562372","content_text":"Anthony Noto, chief executive of SoFi Technologies, used one word to describe 2023: \"remarkable.\"This was in January, when Noto was speaking to analysts about the online financial-services company's full-year and fourth-quarter results.“We achieved multiple records and realized many of our aspirations despite seismic geopolitical and macroeconomic events,” he said during a conference call.SoFi — a short form of Social Finance — beat Wall Street's fourth-quarter expectations, earning 2 cents a share on adjusted revenue of $594.3 million. Analysts surveyed by FactSet expected the company to break even on a per-share basis and post revenue of $575 million.The company’s student-loan business saw origination volume nearly double year-over-year to $790 million. (The figure declined 14% from Q3.)For the year-earlier fourth quarter, SoFi posted a loss of 5 cents a share on revenue of $443.4 million.\"We demonstrated that we have built a business to thrive in a host of challenging environments, reacting swiftly to change, driving our business forward with standout financial performance, while continuing to serve our member’s needs,\" Noto said. The former U.S. Army Ranger, who was Twitter's chief financial officer before he took over at SoFi, oversaw the company’s initial public offering in 2021.SoFi sued US Education Department, dropped caseHowever, SoFi also saw some controversy last year.In response to the 2020 COVID pandemic shutdown, Congress passed legislation that allowed holders of federal student loans to stop making payments without any financial penalty. The program was extended nine times.In March 2023, SoFi, which has around $1 billion in revenue from private student loans and other offerings, sued the U.S. Department of Education to end the agency’s pause on federal student loan payments.The company said it had lost $150 million to $200 million of profit since the moratorium started and maintained that the pause had no legal basis.The Department of Education stated that the lawsuit was “an attempt by a multibillion-dollar company to make money while they force 45 million borrowers back into repayment — putting many at serious risk of financial harm.”SoFi later withdrew the lawsuit.In March, SoFi said it planned to raise $750 million by issuing convertible senior notes. The company also said it entered into agreements with certain holders of existing convertible notes to exchange them for shares.“We did this deal from a position of strength,” CEO Noto told CNBC’s Jim Cramer on March 20. \"What we saw was an opportunity to lower our cost of debt.”Noto said the company “saw it as an opportunity to do it and have a negligible impact on GAAP earnings per share and also, combined with a buyback, have it be accretive to tangible book value per share by 8% to 10%.”“The reason why we did it is really important because I think this is what will put some momentum back into the stock,” he added.SoFi set to report Q1 results April 29SoFi is scheduled to report first-quarter results on April 29. FactSet calls for the company to earn 1 cent a share on revenue of $557 million. Several analysts have been adjusting their stock-price targets for SoFi, including Citi analyst Ashwin Shirvaikar, who resumed company coverage on April 8 with a buy rating and an $11 price target.The analyst said the renewed buy rating with a high-risk designation is based on an updated financial model that includes the latest annual report data and recent capital markets transactions.SoFi expects to save $40 million to $60 million in annual interest expense and dividend payments by using its issue of convertible senior notes to pay down higher-cost instruments.Citi said that its fundamental bullish view on SoFi remains unchanged as the company's intended business diversification comes into focus, its ability to attract deposits continues to prove itself, and investors focus on forward profitability.On April 6 Keefe, Bruyette & Woods analyst Timothy Switzer raised his price target on SoFi stock by 15% to $7.50 a share in January, the research firm lowered its price target to $6.50 from $7.50.Switzer said he still was concerned about earnings risk over the long term, but the risk of near-term negative catalysts had been reduced due to the stock’s more than 20% decline in 2024 and the company's recent capital raise.On April 3, Needham analyst Kyle Peterson initiated coverage of SoFi stock with a buy rating and a $10 price target.The analyst told investors he viewed the company “as a long-term winner in the digital lending/neobank space.”Peterson said this was due largely to its focus on prime and super-prime consumers and its possession of a full banking license. Those two factors, he said, give SoFi \"superior unit economics compared to other consumer-finance platforms that focus on lower-income borrowers and/or lack a banking license.”","news_type":1},"isVote":1,"tweetType":1,"viewCount":348,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":269825378427096,"gmtCreate":1706884300429,"gmtModify":1706888994652,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Yes! Let's eliminate the shorters!","listText":"Yes! Let's eliminate the shorters!","text":"Yes! Let's eliminate the shorters!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/269825378427096","repostId":"2408437146","repostType":2,"repost":{"id":"2408437146","pubTimestamp":1706845195,"share":"https://ttm.financial/m/news/2408437146?lang=&edition=fundamental","pubTime":"2024-02-02 11:39","market":"us","language":"en","title":"SoFi's Flawless Execution Set To Eliminate The Bears","url":"https://stock-news.laohu8.com/highlight/detail?id=2408437146","media":"seekingalpha","summary":"SoFi posted yet another record-breaking quarter.The company turned GAAP net income profitable in Q4.On the other hand, management gave soft 2024 guidance.However, management has a track record of stro","content":"<html><body><ul><li>SoFi posted yet another record-breaking quarter.</li><li>The company turned GAAP net income profitable in Q4.</li><li>On the other hand, management gave soft 2024 guidance.</li><li>However, management has a track record of strong execution.</li><li>Bears better be careful.</li></ul><p><figure><picture> <img height=\"1102px\" loading=\"lazy\" sizes=\"(max-width: 768px) calc(100vw - 36px), (max-width: 1024px) calc(100vw - 132px), (max-width: 1200px) calc(66.6vw - 72px), 600px\" src=\"https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1537049623/image_1537049623.jpg?io=getty-c-w750\" srcset=\"https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1537049623/image_1537049623.jpg?io=getty-c-w1536 1536w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1537049623/image_1537049623.jpg?io=getty-c-w1280 1280w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1537049623/image_1537049623.jpg?io=getty-c-w1080 1080w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1537049623/image_1537049623.jpg?io=getty-c-w750 750w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1537049623/image_1537049623.jpg?io=getty-c-w640 640w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1537049623/image_1537049623.jpg?io=getty-c-w480 480w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1537049623/image_1537049623.jpg?io=getty-c-w320 320w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1537049623/image_1537049623.jpg?io=getty-c-w240 240w\" width=\"1536px\"/> </picture><figcaption> <p>Kevin Dietsch/Getty Images News</p></figcaption></figure></p> <h2>Introduction</h2> <p>SoFi (<span>NASDAQ:SOFI</span>) ended 2023 with a huge bang, producing Q4 financial results that surpassed all expectations.</p> <p>Even the bears were surprised.</p> <p>Growth accelerated, profitability skyrocketed, and management provided their outlook for the next three years — solidifying SoFi's<span> path of becoming a top 10 bank.</span></p> <blockquote> <p>Our 2023 results have reinforced my conviction in our long-term potential and our ability to achieve our aspiration to become a top 10 financial institution.</p> <p>(CEO Anthony Noto — SoFi FY2023 Q4 Earnings Call)</p> </blockquote> <p>And now that the company is on a stronger fundamental footing, more people are turning increasingly bullish on SoFi.</p> <p>Time and time again, SoFi continues to execute — with profits set to explode in the next few years and with a short interest of more than 13%, it looks like bears are next on the execution list.</p> <h2>Growth</h2> <p>SoFi capped the year with a $615M Revenue in Q4, up by 35% YoY, which is an acceleration from Q3's growth of 27%. This beat analyst estimates by 4%.</p> <p>Q4 Adjusted Revenue was $594M, up by 34% YoY, extending SoFi's streak of record Adjusted Revenue to 11 consecutive quarters.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/1/31/50787769-17066820465108786.png\"/></span><figcaption><p><span>Author's Analysis</span></p></figcaption></figure></p> <p>SoFi's record-breaking performance was driven by its expanding Member base, which grew 44% YoY to 7.5M. On a sequential basis, SoFi added 585K new Members in Q4, well above its quarterly guidance of 500K, which goes to show how much customers love SoFi's digital banking solutions.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/1/31/50787769-1706682069578806.png\"/></span><figcaption><p><span>Author's Analysis</span></p></figcaption></figure></p> <p>Member growth is important because the number of Members is a leading indicator of future growth, and as more Members join the platform, the more Members there are that SoFi can monetize through its different products, which ultimately contributes to Revenue growth.</p> <p>As you can see, product adoption continues to be robust. The company added 695K new Products, bringing Total Products to 11.1M in Q4, up by 41% YoY. If not for the closure of its digital assets business, Total Product growth would have been 45% YoY.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/1/31/50787769-1706697563534643.png\"/></span><figcaption><p><span>Author's Analysis</span></p></figcaption></figure></p> <p>That said, strong Member and Product growth led to record Revenue across all three business segments.</p> <ul> <li> <strong>Q4 Lending Revenue</strong> was $353M, up by 8% YoY, driven by higher loan balances and net interest margin. But notice the major slowdown in the segment. This was intentional as management planned for lower originations in 2024 — Q4 Loan Originations grew 45% YoY to $4.3B, but this was $0.8B lower QoQ.</li> <li> <strong>Q4 Tech Platform Revenue</strong> was $97M, up 13% YoY. As you can see, growth for the segment continued to accelerate, driven by strong organic growth of existing partners and new clients, which consequently led to an 11% YoY growth in Tech Platform Accounts to 145M. Moving forward, management expects the segment to continue to accelerate as the deal pipeline remains robust.</li> <li> <strong>Q4 Financial Services Revenue </strong>was $139M, up by 115% YoY, which marks the sixth consecutive quarter of triple-digit growth. Truly astounding. Growth was mainly due to strong product adoption, which grew 45% YoY to 9.5B, as well as improved monetization, with Revenue per Product up nearly 50% YoY to $59. What's worth mentioning is that the segment exceeded $1.5B in point-of-sale debit transaction volume in Q4, which is up nearly 3x YoY.</li> </ul> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/1/31/50787769-17066826562487743.png\"/></span><figcaption><p><span>Author's Analysis</span></p></figcaption></figure></p> <p>All in all, a very strong quarter in terms of growth.</p> <p>Record Revenue, record Members, record Products.</p> <p>Just flawless execution. Nothing else.</p> <p>But here's the best part.</p> <h2>Profitability</h2> <p>SoFi's profitability stole the spotlight in Q4.</p> <p>Let's work our way down the income statement.</p> <p>First, Q4 Contribution Profit, which is Net Revenue minus Direct Expenses, was $282M, representing a Contribution Margin of 47%. As you can see, margins continue to expand, demonstrating economies of scale within the business.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/1/31/50787769-17066821114775388.png\"/></span><figcaption><p><span>Author's Analysis</span></p></figcaption></figure></p> <p>Here's what Contribution Profit looks like for each segment:</p> <ul> <li> <strong>Q4 Lending Contribution Profit</strong> was $226M. Contribution Margin was 65%, which was down 100 basis points YoY. However, this was a 500 basis point improvement QoQ, reflecting the recovery in the home loans and student loans segments. Regardless, the long-term margin trend is up with the possibility of reaching 70% by the end of 2024 or 2025.</li> <li> <strong>Q4 Tech Platform Contribution Profit</strong> was $31M at a 32% Contribution Margin, which is up 1,200 basis points YoY, as the segment regains momentum.</li> <li> <strong>Q4 Financial Services Contribution Profit </strong>was $25M. Contribution Margin improved massively to 18%, from (67)% last year and 3% last quarter. This was mainly driven by strong operating leverage due to blistering growth and improved monetization. As a matter of fact, operating leverage was so strong that the segment generated $74M in incremental Revenue with only $6M in incremental Direct Expenses, resulting in an incremental Contribution Margin of 92%! This is despite heavily investing in its Credit Card and Invest businesses, which have losses of over $100M on an annual run rate basis. Safe to say, the 18% Contribution Margin is still far from its optimal point.</li> </ul> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/1/31/50787769-17066828910066895.png\"/></span><figcaption><p><span>Author's Analysis</span></p></figcaption></figure></p> <p>As a result of improved profitability across all three businesses, SoFi generated positive GAAP Net Income of $48M in Q4, a significant jump from last year's $(40)M loss. GAAP EPS was $0.02, beating analyst estimates of $0.00.</p> <p>Again, the company gained operating leverage as:</p> <ul> <li> <strong>Total Operating Expenses as a % of Revenue</strong> dropped 1,700 basis points YoY</li> <li> <strong>Sales and Marketing Expenses as a % of Revenue</strong> dropped 1,000 basis points YoY</li> </ul> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/1/31/50787769-17066821801857636.png\"/></span><figcaption><p><span>Author's Analysis</span></p></figcaption></figure></p> <p>Adjusted EBITDA — which is a proxy for Cash Flow — was $181M, representing an Adjusted EBITDA Margin of 30%, up 1,200 basis points YoY, reaching management's long-term target of 30%!</p> <p>Q4 Incremental Adjusted EBITDA Margin was 74%, meaning, there's still much more room for margin expansion moving forward.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/1/31/50787769-17066821709836965.png\"/></span><figcaption><p><span>Author's Analysis</span></p></figcaption></figure></p> <p>In short, management promised and they delivered.</p> <p>Simple as that.</p> <p>Just take a look at all the charts above — each and every profitability metric improved significantly with no signs of slowing down.</p> <p>I know extrapolation is a dangerous practice but given the strong growth and profitability momentum of the business, I don't see why profitability won't improve from here.</p> <p>This is the Financial Services Productivity Loop strategy in action — and we can see it becoming more prevalent with each passing quarter.</p> <p>As seen in Q4, the resulting network effects are beginning to deliver exponential improvement to the business, which should drive monumental earnings growth for years to come.</p> <h2>Health</h2> <p>SoFi's balance sheet continues to strengthen as well, with Net Cash improving $1.4B QoQ, to $(2.1)B as of Q4.</p> <p>SoFi also grew Tangible Book Value for the sixth consecutive quarter by $0.2B, to $3.5B as of Q4.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/1/31/50787769-1706682749008128.png\"/></span><figcaption><p><span>Author's Analysis</span></p></figcaption></figure></p> <p>Its balance sheet continues to expand as well:</p> <ul> <li> <strong>Loans</strong> grew $1.6B QoQ to $23.0B</li> <li> <strong>Deposits</strong> grew $2.9B QoQ to $18.6B</li> <li> <strong>Debt</strong> shrank by $1.1B QoQ to $5.2B</li> </ul> <p>If you haven't noticed, deposit growth outpaced loan growth, which enabled SoFi to reduce its debt exposure, resulting in a lower cost of funding for its loans.</p> <p>As such, SoFi's Net Interest Margin expanded to 6.02%, up from 5.99% QoQ and 5.94% YoY.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/1/31/50787769-17066827549116423.png\"/></span><figcaption><p><span>Author's Analysis</span></p></figcaption></figure></p> <p>In addition, SoFi maintains a stringent credit policy, approving loans only to high-quality customers. In Q4, new direct deposit accounts have a median FICO score of 744.</p> <h2>Outlook</h2> <p><em>Note: Unless otherwise noted, I will only be referring to the high-end of management's guidance.</em></p> <p>In my opinion, Q1 guidance was a little soft. I have also included Q4 results for comparison.</p> <p>As you can see, Q1 Adjusted Revenue is expected to be $560M, up 22% YoY, which is a material slowdown from Q4's growth of 34%. In addition, management expects Q1 Adjusted Revenue to be lower than Q4's figure, which also means that SoFi is expected to break its 11-quarter streak of record Adjusted Revenue.</p> <p>Due to the sequential drop in Adjusted Revenue, management expects lower profits as well. In Q1, management expects Adjusted EBITDA of $120M at a 21% Adjusted EBITDA Margin, which is down 900 basis points QoQ.</p> <p>Fortunately, management expects to maintain GAAP Net Income profitability in Q1 with a Net Income of $20M for the quarter.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/2/1/50787769-1706775969192318.png\"/></span><figcaption><p><span>Author's Analysis</span></p></figcaption></figure></p> <p>In terms of the full year, management has the following assumptions for 2024 Adjusted Revenue:</p> <ul> <li> <strong>Lending Revenue</strong> to be 95% of 2023 levels</li> <li> <strong>Financial Services and Tech Platform Revenue</strong> to grow 75% YoY and 20% YoY, respectively. Combined, they should \"grow 50% or more\"</li> <li> <strong>50-50 Revenue split</strong> between the Lending segment and the other two segments.</li> <li>2.3M new <strong>Members</strong> added in 2024, bringing the total number of Members to 9.8M, up 30% YoY.</li> </ul> <p>Based on these assumptions, I've calculated an estimated $2.5B of Adjusted Revenue for 2024, which is about a 20% increase YoY. Again, this is quite a slowdown from last year's growth of 35%.</p> <p>In terms of profitability, management expects an Adjusted EBITDA of $590M for the year, with \"Adjusted EBITDA Margin ramping to 30% by year end\".</p> <p>And finally, 2024 Net Income is expected to be $105M or an EPS of $0.08.</p> <p>At first glance, guidance seems disappointing. But keep in mind that management is taking a very conservative approach to their financial guidance:</p> <ul> <li>First, management is expecting some sort of a <strong>recession in 2024</strong>, with GDP down for the year, a 5%+ unemployment rate, and four rate cuts.</li> <li>Second, given macro uncertainties, management is intentionally <strong>limiting Lending growth</strong> below its level of demand and capacity.</li> <li>Third, they are assuming <strong>\"no significant new business launches or acquisitions\"</strong> in their outlook, with growth entirely coming from existing businesses.</li> </ul> <p>In other words, if the opposite were true for each of the reasons above, we could see SoFi easily beat their guidance. In addition, management has a history of sandbagging guidance, so don't be surprised if we see SoFi outperform expectations in 2024.</p> <p>In short, 2024 guidance seems too conservative — a perfect setup for another year of outperformance.</p> <p>That said, management also expects $0.80 per share in GAAP EPS in 2026. Beyond 2026, they also see 20% to 25% EPS growth. I would take these longer-term goals with a grain of salt but considering management's strong execution thus far, I have very little doubt that management has what it takes to achieve their long-term goals.</p> <p>However, based on today's stock price of $8 and GAAP EPS of $0.80 in 2026. SoFi is now trading at just 10x its 2026 earnings — which is pretty darn cheap.</p> <p>Speaking of which, let's talk about valuation.</p> <h2>Valuation</h2> <p>A PE Ratio of 10x is incredibly cheap for a high-quality hypergrowth company like SoFi. However, 2026 EPS estimates are too far off, and thus, are not very helpful.</p> <p>Instead, let's take a look at some other metrics.</p> <p>In terms of EV to Revenue, SoFi now trades at its lowest valuation multiple ever, at just 4.5x, well below its peak of 38.9x and average of 10.6x. Very attractive indeed.</p> <p><figure><img height=\"366\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/2/1/saupload_533768357626d6a5341837ddd8d32874.png\" width=\"635\"/><figcaption>Data by YCharts</figcaption></figure></p> <p>Some might argue that it's inappropriate to value banks using Revenue multiples but here's a more traditional metric. In terms of Price to Tangible Book Value, SoFi trades at a premium compared to the three largest banks in the US, at 2.3x.</p> <p>However, SoFi is growing much faster than legacy banks, reflecting market share gains over incumbents. As such, the premium is well justified. In my view, SoFi may even look cheap since it's growing multiple times faster than these legacy banks.</p> <p><figure><img height=\"366\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/2/1/saupload_5c6f7b2da4a1aa84b7e98bce8e739ff4.png\" width=\"635\"/><figcaption>Data by YCharts</figcaption></figure></p> <p>Also, analyst EPS estimates are way too low.</p> <ul> <li>Analysts expect $0.06 EPS in 2024 when management guided for $0.07 to $0.08.</li> <li>In addition, they expect $0.51 EPS in 2026 when management guided for $0.55 to $0.80.</li> </ul> <p>Have they not learned that management has a history of obliterating estimates and guidance?</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/2/1/50787769-1706795276823727.png\"/></span><figcaption><p><span>Seeking Alpha</span></p></figcaption></figure></p> <p>The same goes for Revenue estimates:</p> <ul><li>Analysts expect 2024 Revenue of $2.4B, up just 16% YoY. As I have discussed earlier, I expect 2024 Revenue of $2.5B, up 20% YoY.</li></ul> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2024/2/1/50787769-17067956705785885.png\"/></span><figcaption><p><span>Seeking Alpha</span></p></figcaption></figure></p> <p>Simply put, analysts are too bearish on the stock. Combined with management's overly conservative guidance, I think the bar is set too low for SoFi stock.</p> <p>This is a perfect setup for outperformance — a classic case of underpromising and overdelivering — which should lead to earnings beats and upward revisions, and ultimately positive market reactions.</p> <p>Let me remind you: management has a track record of strong execution.</p> <p>And with 13% short interest as of this writing, it won't be long before the bears get executed.</p> <h2>Risks</h2> <ul> <li> <strong>Politically-driven</strong>: SoFi is largely driven by monetary policy and other regulations, which are unpredictable.</li> <li> <strong>Recession</strong>: A recession may lead to a surge in delinquencies and defaults, which may negatively affect SoFi's Lending segment. However, SoFi has excellent credit quality with a high Capital Ratio of 15.3%, which positions the company well in an economic storm.</li> </ul> <h2>Thesis</h2> <p>SoFi's Q4 results were nothing short of spectacular.</p> <p>It was yet another record-breaking performance with all three business segments posting record Revenues.</p> <p>Most impressive of all, the company turned GAAP Net Income profitable in Q4, which is a major reason why the stock popped 20%+ following its earnings release.</p> <p>However, as I write this article, SoFi stock has given up pretty much all its post-earnings gains as investors digest the possibility of a \"weak\" 2024, given management's ultra-conservative guidance.</p> <p>But time and time again, management continues to execute — I will let them do the talking.</p> <p>In the meantime, the stock still trades at attractive valuations, and with profits expected to explode in the coming years, bears better be careful.</p> <p>The stock will eventually follow the fundamentals.</p> <div></div> <p>And the bears will eventually be executed.</p></body></html>","source":"seekingalpha","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; 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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's Flawless Execution Set To Eliminate The Bears\n</h2>\n\n<h4 class=\"meta\">\n\n\n2024-02-02 11:39 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4666972-sofi-technologies-q4-earnings-flawless-execution-set-to-eliminate-bears><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>SoFi posted yet another record-breaking quarter.The company turned GAAP net income profitable in Q4.On the other hand, management gave soft 2024 guidance.However, management has a track record of ...</p>\n\n<a href=\"https://seekingalpha.com/article/4666972-sofi-technologies-q4-earnings-flawless-execution-set-to-eliminate-bears\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1537049623/image_1537049623.jpg","relate_stocks":{"SOFI":"SoFi Technologies Inc.","BK4549":"软银资本持仓","BK4535":"淡马锡持仓","BK4551":"寇图资本持仓","BK4166":"消费信贷"},"source_url":"https://seekingalpha.com/article/4666972-sofi-technologies-q4-earnings-flawless-execution-set-to-eliminate-bears","is_english":true,"share_image_url":"https://static.laohu8.com/5a36db9d73b4222bc376d24ccc48c8a4","article_id":"2408437146","content_text":"SoFi posted yet another record-breaking quarter.The company turned GAAP net income profitable in Q4.On the other hand, management gave soft 2024 guidance.However, management has a track record of strong execution.Bears better be careful.   Kevin Dietsch/Getty Images News Introduction SoFi (NASDAQ:SOFI) ended 2023 with a huge bang, producing Q4 financial results that surpassed all expectations. Even the bears were surprised. Growth accelerated, profitability skyrocketed, and management provided their outlook for the next three years — solidifying SoFi's path of becoming a top 10 bank.  Our 2023 results have reinforced my conviction in our long-term potential and our ability to achieve our aspiration to become a top 10 financial institution. (CEO Anthony Noto — SoFi FY2023 Q4 Earnings Call)  And now that the company is on a stronger fundamental footing, more people are turning increasingly bullish on SoFi. Time and time again, SoFi continues to execute — with profits set to explode in the next few years and with a short interest of more than 13%, it looks like bears are next on the execution list. Growth SoFi capped the year with a $615M Revenue in Q4, up by 35% YoY, which is an acceleration from Q3's growth of 27%. This beat analyst estimates by 4%. Q4 Adjusted Revenue was $594M, up by 34% YoY, extending SoFi's streak of record Adjusted Revenue to 11 consecutive quarters. Author's Analysis SoFi's record-breaking performance was driven by its expanding Member base, which grew 44% YoY to 7.5M. On a sequential basis, SoFi added 585K new Members in Q4, well above its quarterly guidance of 500K, which goes to show how much customers love SoFi's digital banking solutions. Author's Analysis Member growth is important because the number of Members is a leading indicator of future growth, and as more Members join the platform, the more Members there are that SoFi can monetize through its different products, which ultimately contributes to Revenue growth. As you can see, product adoption continues to be robust. The company added 695K new Products, bringing Total Products to 11.1M in Q4, up by 41% YoY. If not for the closure of its digital assets business, Total Product growth would have been 45% YoY. Author's Analysis That said, strong Member and Product growth led to record Revenue across all three business segments.   Q4 Lending Revenue was $353M, up by 8% YoY, driven by higher loan balances and net interest margin. But notice the major slowdown in the segment. This was intentional as management planned for lower originations in 2024 — Q4 Loan Originations grew 45% YoY to $4.3B, but this was $0.8B lower QoQ.  Q4 Tech Platform Revenue was $97M, up 13% YoY. As you can see, growth for the segment continued to accelerate, driven by strong organic growth of existing partners and new clients, which consequently led to an 11% YoY growth in Tech Platform Accounts to 145M. Moving forward, management expects the segment to continue to accelerate as the deal pipeline remains robust.  Q4 Financial Services Revenue was $139M, up by 115% YoY, which marks the sixth consecutive quarter of triple-digit growth. Truly astounding. Growth was mainly due to strong product adoption, which grew 45% YoY to 9.5B, as well as improved monetization, with Revenue per Product up nearly 50% YoY to $59. What's worth mentioning is that the segment exceeded $1.5B in point-of-sale debit transaction volume in Q4, which is up nearly 3x YoY.  Author's Analysis All in all, a very strong quarter in terms of growth. Record Revenue, record Members, record Products. Just flawless execution. Nothing else. But here's the best part. Profitability SoFi's profitability stole the spotlight in Q4. Let's work our way down the income statement. First, Q4 Contribution Profit, which is Net Revenue minus Direct Expenses, was $282M, representing a Contribution Margin of 47%. As you can see, margins continue to expand, demonstrating economies of scale within the business. Author's Analysis Here's what Contribution Profit looks like for each segment:   Q4 Lending Contribution Profit was $226M. Contribution Margin was 65%, which was down 100 basis points YoY. However, this was a 500 basis point improvement QoQ, reflecting the recovery in the home loans and student loans segments. Regardless, the long-term margin trend is up with the possibility of reaching 70% by the end of 2024 or 2025.  Q4 Tech Platform Contribution Profit was $31M at a 32% Contribution Margin, which is up 1,200 basis points YoY, as the segment regains momentum.  Q4 Financial Services Contribution Profit was $25M. Contribution Margin improved massively to 18%, from (67)% last year and 3% last quarter. This was mainly driven by strong operating leverage due to blistering growth and improved monetization. As a matter of fact, operating leverage was so strong that the segment generated $74M in incremental Revenue with only $6M in incremental Direct Expenses, resulting in an incremental Contribution Margin of 92%! This is despite heavily investing in its Credit Card and Invest businesses, which have losses of over $100M on an annual run rate basis. Safe to say, the 18% Contribution Margin is still far from its optimal point.  Author's Analysis As a result of improved profitability across all three businesses, SoFi generated positive GAAP Net Income of $48M in Q4, a significant jump from last year's $(40)M loss. GAAP EPS was $0.02, beating analyst estimates of $0.00. Again, the company gained operating leverage as:   Total Operating Expenses as a % of Revenue dropped 1,700 basis points YoY  Sales and Marketing Expenses as a % of Revenue dropped 1,000 basis points YoY  Author's Analysis Adjusted EBITDA — which is a proxy for Cash Flow — was $181M, representing an Adjusted EBITDA Margin of 30%, up 1,200 basis points YoY, reaching management's long-term target of 30%! Q4 Incremental Adjusted EBITDA Margin was 74%, meaning, there's still much more room for margin expansion moving forward. Author's Analysis In short, management promised and they delivered. Simple as that. Just take a look at all the charts above — each and every profitability metric improved significantly with no signs of slowing down. I know extrapolation is a dangerous practice but given the strong growth and profitability momentum of the business, I don't see why profitability won't improve from here. This is the Financial Services Productivity Loop strategy in action — and we can see it becoming more prevalent with each passing quarter. As seen in Q4, the resulting network effects are beginning to deliver exponential improvement to the business, which should drive monumental earnings growth for years to come. Health SoFi's balance sheet continues to strengthen as well, with Net Cash improving $1.4B QoQ, to $(2.1)B as of Q4. SoFi also grew Tangible Book Value for the sixth consecutive quarter by $0.2B, to $3.5B as of Q4. Author's Analysis Its balance sheet continues to expand as well:   Loans grew $1.6B QoQ to $23.0B  Deposits grew $2.9B QoQ to $18.6B  Debt shrank by $1.1B QoQ to $5.2B  If you haven't noticed, deposit growth outpaced loan growth, which enabled SoFi to reduce its debt exposure, resulting in a lower cost of funding for its loans. As such, SoFi's Net Interest Margin expanded to 6.02%, up from 5.99% QoQ and 5.94% YoY. Author's Analysis In addition, SoFi maintains a stringent credit policy, approving loans only to high-quality customers. In Q4, new direct deposit accounts have a median FICO score of 744. Outlook Note: Unless otherwise noted, I will only be referring to the high-end of management's guidance. In my opinion, Q1 guidance was a little soft. I have also included Q4 results for comparison. As you can see, Q1 Adjusted Revenue is expected to be $560M, up 22% YoY, which is a material slowdown from Q4's growth of 34%. In addition, management expects Q1 Adjusted Revenue to be lower than Q4's figure, which also means that SoFi is expected to break its 11-quarter streak of record Adjusted Revenue. Due to the sequential drop in Adjusted Revenue, management expects lower profits as well. In Q1, management expects Adjusted EBITDA of $120M at a 21% Adjusted EBITDA Margin, which is down 900 basis points QoQ. Fortunately, management expects to maintain GAAP Net Income profitability in Q1 with a Net Income of $20M for the quarter. Author's Analysis In terms of the full year, management has the following assumptions for 2024 Adjusted Revenue:   Lending Revenue to be 95% of 2023 levels  Financial Services and Tech Platform Revenue to grow 75% YoY and 20% YoY, respectively. Combined, they should \"grow 50% or more\"  50-50 Revenue split between the Lending segment and the other two segments. 2.3M new Members added in 2024, bringing the total number of Members to 9.8M, up 30% YoY.  Based on these assumptions, I've calculated an estimated $2.5B of Adjusted Revenue for 2024, which is about a 20% increase YoY. Again, this is quite a slowdown from last year's growth of 35%. In terms of profitability, management expects an Adjusted EBITDA of $590M for the year, with \"Adjusted EBITDA Margin ramping to 30% by year end\". And finally, 2024 Net Income is expected to be $105M or an EPS of $0.08. At first glance, guidance seems disappointing. But keep in mind that management is taking a very conservative approach to their financial guidance:  First, management is expecting some sort of a recession in 2024, with GDP down for the year, a 5%+ unemployment rate, and four rate cuts. Second, given macro uncertainties, management is intentionally limiting Lending growth below its level of demand and capacity. Third, they are assuming \"no significant new business launches or acquisitions\" in their outlook, with growth entirely coming from existing businesses.  In other words, if the opposite were true for each of the reasons above, we could see SoFi easily beat their guidance. In addition, management has a history of sandbagging guidance, so don't be surprised if we see SoFi outperform expectations in 2024. In short, 2024 guidance seems too conservative — a perfect setup for another year of outperformance. That said, management also expects $0.80 per share in GAAP EPS in 2026. Beyond 2026, they also see 20% to 25% EPS growth. I would take these longer-term goals with a grain of salt but considering management's strong execution thus far, I have very little doubt that management has what it takes to achieve their long-term goals. However, based on today's stock price of $8 and GAAP EPS of $0.80 in 2026. SoFi is now trading at just 10x its 2026 earnings — which is pretty darn cheap. Speaking of which, let's talk about valuation. Valuation A PE Ratio of 10x is incredibly cheap for a high-quality hypergrowth company like SoFi. However, 2026 EPS estimates are too far off, and thus, are not very helpful. Instead, let's take a look at some other metrics. In terms of EV to Revenue, SoFi now trades at its lowest valuation multiple ever, at just 4.5x, well below its peak of 38.9x and average of 10.6x. Very attractive indeed. Data by YCharts Some might argue that it's inappropriate to value banks using Revenue multiples but here's a more traditional metric. In terms of Price to Tangible Book Value, SoFi trades at a premium compared to the three largest banks in the US, at 2.3x. However, SoFi is growing much faster than legacy banks, reflecting market share gains over incumbents. As such, the premium is well justified. In my view, SoFi may even look cheap since it's growing multiple times faster than these legacy banks. Data by YCharts Also, analyst EPS estimates are way too low.  Analysts expect $0.06 EPS in 2024 when management guided for $0.07 to $0.08. In addition, they expect $0.51 EPS in 2026 when management guided for $0.55 to $0.80.  Have they not learned that management has a history of obliterating estimates and guidance? Seeking Alpha The same goes for Revenue estimates: Analysts expect 2024 Revenue of $2.4B, up just 16% YoY. As I have discussed earlier, I expect 2024 Revenue of $2.5B, up 20% YoY. Seeking Alpha Simply put, analysts are too bearish on the stock. Combined with management's overly conservative guidance, I think the bar is set too low for SoFi stock. This is a perfect setup for outperformance — a classic case of underpromising and overdelivering — which should lead to earnings beats and upward revisions, and ultimately positive market reactions. Let me remind you: management has a track record of strong execution. And with 13% short interest as of this writing, it won't be long before the bears get executed. Risks   Politically-driven: SoFi is largely driven by monetary policy and other regulations, which are unpredictable.  Recession: A recession may lead to a surge in delinquencies and defaults, which may negatively affect SoFi's Lending segment. However, SoFi has excellent credit quality with a high Capital Ratio of 15.3%, which positions the company well in an economic storm.  Thesis SoFi's Q4 results were nothing short of spectacular. It was yet another record-breaking performance with all three business segments posting record Revenues. Most impressive of all, the company turned GAAP Net Income profitable in Q4, which is a major reason why the stock popped 20%+ following its earnings release. However, as I write this article, SoFi stock has given up pretty much all its post-earnings gains as investors digest the possibility of a \"weak\" 2024, given management's ultra-conservative guidance. But time and time again, management continues to execute — I will let them do the talking. In the meantime, the stock still trades at attractive valuations, and with profits expected to explode in the coming years, bears better be careful. The stock will eventually follow the fundamentals.  And the bears will eventually be executed.","news_type":1},"isVote":1,"tweetType":1,"viewCount":497,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":269023337959672,"gmtCreate":1706714191943,"gmtModify":1706714196753,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Waiting to enter!😆","listText":"Waiting to enter!😆","text":"Waiting to enter!😆","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/269023337959672","repostId":"1105317552","repostType":2,"repost":{"id":"1105317552","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":1706629600,"share":"https://ttm.financial/m/news/1105317552?lang=&edition=fundamental","pubTime":"2024-01-30 23:46","market":"us","language":"en","title":"Apple Stock Drops Over 1% As Analyst Says 2024 iPhone Shipments Likely to Decline Significantly By About 15% YoY","url":"https://stock-news.laohu8.com/highlight/detail?id=1105317552","media":"Tiger Newspress","summary":"Apple stock dropped 1.4% in morning trading as Ming-Chi Kuo, a senior analyst for Apple, said 2024 iPhone shipments are likely to decline significantly by about 15% YoY.Here is the full text of his re","content":"<html><head></head><body><p>Apple stock dropped 1.4% in morning trading as Ming-Chi Kuo, a senior analyst for Apple, said 2024 iPhone shipments are likely to decline significantly by about 15% YoY.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/e70e9738b3e18022f95f274a58f666b7\" tg-width=\"841\" tg-height=\"620\"/></p><p>Here is the full text of his report:</p><p><strong>2024 iPhone shipments likely to decline significantly by about 15% YoY due to structural challenges / iPhone 2024</strong></p><ol start=\"1\" style=\"\"><li><p>My latest supply chain survey indicates that Apple has lowered its 2024 iPhone shipments of key upstream semiconductor components to about 200 million units (down 15% YoY). Apple may have the most significant decline among the major global mobile phone brands in 2024.</p></li><li><p>iPhone 15 series and new iPhone 16 series shipments will decline by 10–15% YoY in 1H24 and 2H24, respectively (compared to iPhone 14 series shipments in 1H23 and iPhone 15 series shipments in 2H23, respectively).</p></li><li><p>The iPhone faces structural challenges that will lead to a significant decline in shipments in 2024, including the emergence of a new paradigm in high-end mobile phone design and the continued decline in shipments in the Chinese market.</p></li><li><p>The new high-end mobile phone design paradigm includes AI (GenAI) and foldable phones. The main reason for the decline in the Chinese market is the return of Huawei and the increasing preference for foldable phones among high-end users as their first choice for phone replacement.</p></li><li><p>Benefiting from the higher-than-expected demand due to the high integration of GenAI functions, Samsung has revised up the shipments of the Galaxy S24 series in 2024 by 5–10%, while Apple has revised down the shipment forecast of iPhone 15 in 1H24.</p></li><li><p>Apple’s weekly shipments in China have declined by 30–40% YoY in recent weeks, and this downward trend is expected to continue. The main reason for the decline is the return of Huawei and the fact that foldable phones have gradually become the first choice for high-end users in the Chinese market.</p></li><li><p>It is expected that Apple will not launch new iPhone models with significant design changes and the more comprehensive/differentiated GenAI ecosystem/applications until 2025 at the earliest. Until then, it will likely harm Apple’s iPhone shipment momentum and ecosystem growth.</p></li></ol></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>Apple Stock Drops Over 1% As Analyst Says 2024 iPhone Shipments Likely to Decline Significantly By About 15% YoY</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\">\nApple Stock Drops Over 1% As Analyst Says 2024 iPhone Shipments Likely to Decline Significantly By About 15% YoY\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\">2024-01-30 23:46</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>Apple stock dropped 1.4% in morning trading as Ming-Chi Kuo, a senior analyst for Apple, said 2024 iPhone shipments are likely to decline significantly by about 15% YoY.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/e70e9738b3e18022f95f274a58f666b7\" tg-width=\"841\" tg-height=\"620\"/></p><p>Here is the full text of his report:</p><p><strong>2024 iPhone shipments likely to decline significantly by about 15% YoY due to structural challenges / iPhone 2024</strong></p><ol start=\"1\" style=\"\"><li><p>My latest supply chain survey indicates that Apple has lowered its 2024 iPhone shipments of key upstream semiconductor components to about 200 million units (down 15% YoY). Apple may have the most significant decline among the major global mobile phone brands in 2024.</p></li><li><p>iPhone 15 series and new iPhone 16 series shipments will decline by 10–15% YoY in 1H24 and 2H24, respectively (compared to iPhone 14 series shipments in 1H23 and iPhone 15 series shipments in 2H23, respectively).</p></li><li><p>The iPhone faces structural challenges that will lead to a significant decline in shipments in 2024, including the emergence of a new paradigm in high-end mobile phone design and the continued decline in shipments in the Chinese market.</p></li><li><p>The new high-end mobile phone design paradigm includes AI (GenAI) and foldable phones. The main reason for the decline in the Chinese market is the return of Huawei and the increasing preference for foldable phones among high-end users as their first choice for phone replacement.</p></li><li><p>Benefiting from the higher-than-expected demand due to the high integration of GenAI functions, Samsung has revised up the shipments of the Galaxy S24 series in 2024 by 5–10%, while Apple has revised down the shipment forecast of iPhone 15 in 1H24.</p></li><li><p>Apple’s weekly shipments in China have declined by 30–40% YoY in recent weeks, and this downward trend is expected to continue. The main reason for the decline is the return of Huawei and the fact that foldable phones have gradually become the first choice for high-end users in the Chinese market.</p></li><li><p>It is expected that Apple will not launch new iPhone models with significant design changes and the more comprehensive/differentiated GenAI ecosystem/applications until 2025 at the earliest. Until then, it will likely harm Apple’s iPhone shipment momentum and ecosystem growth.</p></li></ol></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AAPL":"苹果"},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1105317552","content_text":"Apple stock dropped 1.4% in morning trading as Ming-Chi Kuo, a senior analyst for Apple, said 2024 iPhone shipments are likely to decline significantly by about 15% YoY.Here is the full text of his report:2024 iPhone shipments likely to decline significantly by about 15% YoY due to structural challenges / iPhone 2024My latest supply chain survey indicates that Apple has lowered its 2024 iPhone shipments of key upstream semiconductor components to about 200 million units (down 15% YoY). Apple may have the most significant decline among the major global mobile phone brands in 2024.iPhone 15 series and new iPhone 16 series shipments will decline by 10–15% YoY in 1H24 and 2H24, respectively (compared to iPhone 14 series shipments in 1H23 and iPhone 15 series shipments in 2H23, respectively).The iPhone faces structural challenges that will lead to a significant decline in shipments in 2024, including the emergence of a new paradigm in high-end mobile phone design and the continued decline in shipments in the Chinese market.The new high-end mobile phone design paradigm includes AI (GenAI) and foldable phones. The main reason for the decline in the Chinese market is the return of Huawei and the increasing preference for foldable phones among high-end users as their first choice for phone replacement.Benefiting from the higher-than-expected demand due to the high integration of GenAI functions, Samsung has revised up the shipments of the Galaxy S24 series in 2024 by 5–10%, while Apple has revised down the shipment forecast of iPhone 15 in 1H24.Apple’s weekly shipments in China have declined by 30–40% YoY in recent weeks, and this downward trend is expected to continue. The main reason for the decline is the return of Huawei and the fact that foldable phones have gradually become the first choice for high-end users in the Chinese market.It is expected that Apple will not launch new iPhone models with significant design changes and the more comprehensive/differentiated GenAI ecosystem/applications until 2025 at the earliest. Until then, it will likely harm Apple’s iPhone shipment momentum and ecosystem growth.","news_type":1},"isVote":1,"tweetType":1,"viewCount":359,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":262443704807648,"gmtCreate":1705107215499,"gmtModify":1705107220874,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/NU\">$Nu Holdings Ltd.(NU)$</a>&nbsp;","listText":"<a href=\"https://ttm.financial/S/NU\">$Nu Holdings Ltd.(NU)$</a>&nbsp;","text":"$Nu Holdings Ltd.(NU)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/262443704807648","isVote":1,"tweetType":1,"viewCount":393,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":262293271081272,"gmtCreate":1705070493887,"gmtModify":1705070498109,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Raised to 79? Hahaha! Is to be rephrased to drop! Joker of the day!","listText":"Raised to 79? Hahaha! Is to be rephrased to drop! Joker of the day!","text":"Raised to 79? Hahaha! Is to be rephrased to drop! Joker of the day!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/262293271081272","repostId":"2402242105","repostType":2,"repost":{"id":"2402242105","pubTimestamp":1705069860,"share":"https://ttm.financial/m/news/2402242105?lang=&edition=fundamental","pubTime":"2024-01-12 22:31","market":"us","language":"en","title":"Coinbase (COIN) high volumes will likely drive a transaction revenue beat - BofA","url":"https://stock-news.laohu8.com/highlight/detail?id=2402242105","media":"StreetInsider","summary":"The Coinbase (NASDAQ: COIN) price target was raised to $79 from $66 per share at Bank of America on Friday ...(Premium-only article. Please sign in or upgrade to SI Premium to view.)","content":"<html><body><div>\n<div>\n<div>\n<img src=\"https://www.streetinsider.com/images/summaries/1924/resize_coinbase.jpg\"/>\n</div>\n</div>\nThe Coinbase (NASDAQ: COIN) price target was raised to $79 from $66 per share at Bank of America on Friday ...<br/><br/>(Premium-only article. Please sign in or upgrade to SI Premium to view.) </div></body></html>","source":"highlight_streetinsider","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>Coinbase (COIN) high volumes will likely drive a transaction revenue beat - BofA</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\">\nCoinbase (COIN) high volumes will likely drive a transaction revenue beat - BofA\n</h2>\n\n<h4 class=\"meta\">\n\n\n2024-01-12 22:31 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.streetinsider.com/dr/news.php?id=22626679><strong>StreetInsider</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The Coinbase (NASDAQ: COIN) price target was raised to $79 from $66 per share at Bank of America on Friday ...(Premium-only article. Please sign in or upgrade to SI Premium to view.)</p>\n\n<a href=\"https://www.streetinsider.com/dr/news.php?id=22626679\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"COIN":"Coinbase Global, Inc."},"source_url":"https://www.streetinsider.com/dr/news.php?id=22626679","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2402242105","content_text":"The Coinbase (NASDAQ: COIN) price target was raised to $79 from $66 per share at Bank of America on Friday ...(Premium-only article. Please sign in or upgrade to SI Premium to view.)","news_type":1},"isVote":1,"tweetType":1,"viewCount":281,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":259517011091472,"gmtCreate":1704369157966,"gmtModify":1704369162003,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Perito Must be a new shorter on board! U think this type of news will affect those holding long? I trust sofi more than U!🤬&nbsp;","listText":"Perito Must be a new shorter on board! U think this type of news will affect those holding long? I trust sofi more than U!🤬&nbsp;","text":"Perito Must be a new shorter on board! U think this type of news will affect those holding long? I trust sofi more than U!🤬","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/259517011091472","repostId":"2400876654","repostType":2,"repost":{"id":"2400876654","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1704326318,"share":"https://ttm.financial/m/news/2400876654?lang=&edition=fundamental","pubTime":"2024-01-04 07:58","market":"us","language":"en","title":"SoFi's Stock Could Follow Record Year With a Sharp Plunge, This New Bear Warns","url":"https://stock-news.laohu8.com/highlight/detail?id=2400876654","media":"Dow Jones","summary":"$SoFi Technologies Inc.(SOFI)$ shares more than doubled last year in what was their best annual performance since the financial-technology company went public in 2021. But one analyst worries that mom","content":"<html><head></head><body><p><a href=\"https://laohu8.com/S/SOFI\">SoFi Technologies Inc.</a> shares more than doubled last year in what was their best annual performance since the financial-technology company went public in 2021. But one analyst worries that momentum won&#39;t carry into 2024.</p><p>Keefe, Bruyette &amp; Woods&#39; Mike Perito downgraded SoFi shares (SOFI) to underperform from market perform, warning of a &#34;premium&#34; valuation and potential pressure stemming from lower interest rates. He cut his price target to $6.50 from $7.50, with the new target implying 33% downside relative to Tuesday&#39;s close.</p><p>Shares were off nearly 14% on Wednesday.</p><p>Perito noted that SoFi&#39;s stock got caught up in the relief rally following the Federal Reserve&#39;s mid-December signal of possible rate cuts in 2024, but he questioned whether that enthusiasm is warranted.</p><p>SoFi &#34;is actually at risk for down-earnings at least initially if rates come down materially due to [its] fair value accounting,&#34; he wrote. &#34;Longer term, the bank&#39;s cost of capital will reduce, and the ability to lower its deposit costs should accelerate in a lower-rate environment, but SOFI may also be forced by market forces to lower its coupon rate which could directly impact earnings negatively.&#34;</p><p>In his view, &#34;it would be difficult for SOFI to sustain personal loan originations near current levels without reducing its coupon rate in a scenario where the Fed cuts rate meaningfully given the competitive dynamics vs. credit-card companies, re-entrance of other competitors to the market, plus consumer expectations for lower debt yields.&#34; An acceleration in prepayment speeds represents another risk.</p><p>When Perito published his note to clients Tuesday afternoon, he assumed a $1.8 billion valuation for SoFi&#39;s technology business and said that the market was valuing the bank, which has about $30 billion in assets, at about $7.8 billion. For comparison, he pointed out that <a href=\"https://laohu8.com/S/ALLY\">Ally Financial Inc.</a> was valued near $11 billion, despite having about $200 billion in assets.</p><p>&#34;Growth rates are certainly different, although we fail to find an example of a premium-multiple consumer bank in the market today,&#34; Perito added.</p><p>He wrote that SoFi&#39;s stock remains &#34;polarizing,&#34; and while the company could be on the road to achieving and maintaining profitability, &#34;there are more downside scenarios to this outcome than upside, which at a premium valuation shifts us to a more cautious stance.&#34;</p><p>The stock was trading at almost 28 times 2024 estimates for earnings before interest, taxes, depreciation and amortization as of the publication of his report, seemingly &#34;one of the highest valuations for any balance sheet financial in the KBW coverage universe.&#34;</p><p>Other financial-technology names were dropping as well Wednesday, with Upstart Holdings Inc.&#39;s stock <a href=\"https://laohu8.com/S/UPST\">$(UPST)$</a> down more than 10% and Affirm Holdings Inc.&#39;s stock <a href=\"https://laohu8.com/S/AFRM\">$(AFRM)$</a> off 6%.</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's Stock Could Follow Record Year With a Sharp Plunge, This New Bear Warns</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's Stock Could Follow Record Year With a Sharp Plunge, This New Bear Warns\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2024-01-04 07:58</p>\n</div>\n\n</div>\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 more than doubled last year in what was their best annual performance since the financial-technology company went public in 2021. But one analyst worries that momentum won&#39;t carry into 2024.</p><p>Keefe, Bruyette &amp; Woods&#39; Mike Perito downgraded SoFi shares (SOFI) to underperform from market perform, warning of a &#34;premium&#34; valuation and potential pressure stemming from lower interest rates. He cut his price target to $6.50 from $7.50, with the new target implying 33% downside relative to Tuesday&#39;s close.</p><p>Shares were off nearly 14% on Wednesday.</p><p>Perito noted that SoFi&#39;s stock got caught up in the relief rally following the Federal Reserve&#39;s mid-December signal of possible rate cuts in 2024, but he questioned whether that enthusiasm is warranted.</p><p>SoFi &#34;is actually at risk for down-earnings at least initially if rates come down materially due to [its] fair value accounting,&#34; he wrote. &#34;Longer term, the bank&#39;s cost of capital will reduce, and the ability to lower its deposit costs should accelerate in a lower-rate environment, but SOFI may also be forced by market forces to lower its coupon rate which could directly impact earnings negatively.&#34;</p><p>In his view, &#34;it would be difficult for SOFI to sustain personal loan originations near current levels without reducing its coupon rate in a scenario where the Fed cuts rate meaningfully given the competitive dynamics vs. credit-card companies, re-entrance of other competitors to the market, plus consumer expectations for lower debt yields.&#34; An acceleration in prepayment speeds represents another risk.</p><p>When Perito published his note to clients Tuesday afternoon, he assumed a $1.8 billion valuation for SoFi&#39;s technology business and said that the market was valuing the bank, which has about $30 billion in assets, at about $7.8 billion. For comparison, he pointed out that <a href=\"https://laohu8.com/S/ALLY\">Ally Financial Inc.</a> was valued near $11 billion, despite having about $200 billion in assets.</p><p>&#34;Growth rates are certainly different, although we fail to find an example of a premium-multiple consumer bank in the market today,&#34; Perito added.</p><p>He wrote that SoFi&#39;s stock remains &#34;polarizing,&#34; and while the company could be on the road to achieving and maintaining profitability, &#34;there are more downside scenarios to this outcome than upside, which at a premium valuation shifts us to a more cautious stance.&#34;</p><p>The stock was trading at almost 28 times 2024 estimates for earnings before interest, taxes, depreciation and amortization as of the publication of his report, seemingly &#34;one of the highest valuations for any balance sheet financial in the KBW coverage universe.&#34;</p><p>Other financial-technology names were dropping as well Wednesday, with Upstart Holdings Inc.&#39;s stock <a href=\"https://laohu8.com/S/UPST\">$(UPST)$</a> down more than 10% and Affirm Holdings Inc.&#39;s stock <a href=\"https://laohu8.com/S/AFRM\">$(AFRM)$</a> off 6%.</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4588":"碎股","BK4227":"交易和支付处理服务","SOFI":"SoFi Technologies Inc.","BK4106":"数据处理与外包服务","BK4549":"软银资本持仓","BK4535":"淡马锡持仓","BK4548":"巴美列捷福持仓","BK4551":"寇图资本持仓","BK4561":"索罗斯持仓","BK4585":"ETF&股票定投概念"},"source_url":"https://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2400876654","content_text":"SoFi Technologies Inc. shares more than doubled last year in what was their best annual performance since the financial-technology company went public in 2021. But one analyst worries that momentum won't carry into 2024.Keefe, Bruyette & Woods' Mike Perito downgraded SoFi shares (SOFI) to underperform from market perform, warning of a \"premium\" valuation and potential pressure stemming from lower interest rates. He cut his price target to $6.50 from $7.50, with the new target implying 33% downside relative to Tuesday's close.Shares were off nearly 14% on Wednesday.Perito noted that SoFi's stock got caught up in the relief rally following the Federal Reserve's mid-December signal of possible rate cuts in 2024, but he questioned whether that enthusiasm is warranted.SoFi \"is actually at risk for down-earnings at least initially if rates come down materially due to [its] fair value accounting,\" he wrote. \"Longer term, the bank's cost of capital will reduce, and the ability to lower its deposit costs should accelerate in a lower-rate environment, but SOFI may also be forced by market forces to lower its coupon rate which could directly impact earnings negatively.\"In his view, \"it would be difficult for SOFI to sustain personal loan originations near current levels without reducing its coupon rate in a scenario where the Fed cuts rate meaningfully given the competitive dynamics vs. credit-card companies, re-entrance of other competitors to the market, plus consumer expectations for lower debt yields.\" An acceleration in prepayment speeds represents another risk.When Perito published his note to clients Tuesday afternoon, he assumed a $1.8 billion valuation for SoFi's technology business and said that the market was valuing the bank, which has about $30 billion in assets, at about $7.8 billion. For comparison, he pointed out that Ally Financial Inc. was valued near $11 billion, despite having about $200 billion in assets.\"Growth rates are certainly different, although we fail to find an example of a premium-multiple consumer bank in the market today,\" Perito added.He wrote that SoFi's stock remains \"polarizing,\" and while the company could be on the road to achieving and maintaining profitability, \"there are more downside scenarios to this outcome than upside, which at a premium valuation shifts us to a more cautious stance.\"The stock was trading at almost 28 times 2024 estimates for earnings before interest, taxes, depreciation and amortization as of the publication of his report, seemingly \"one of the highest valuations for any balance sheet financial in the KBW coverage universe.\"Other financial-technology names were dropping as well Wednesday, with Upstart Holdings Inc.'s stock $(UPST)$ down more than 10% and Affirm Holdings Inc.'s stock $(AFRM)$ off 6%.","news_type":1},"isVote":1,"tweetType":1,"viewCount":324,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":253134174859512,"gmtCreate":1702811110256,"gmtModify":1702811113840,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a>Hold on to more!","listText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$&nbsp;</a>Hold on to more!","text":"$SoFi Technologies Inc.(SOFI)$ Hold on to more!","images":[{"img":"https://community-static.tradeup.com/news/7f7fc6c1be16fab9e4bcc50c630108d0","width":"981","height":"1637"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/253134174859512","isVote":1,"tweetType":1,"viewCount":410,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":243525116375224,"gmtCreate":1700491397810,"gmtModify":1700491403490,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Yes! Hold on tightly!💪","listText":"Yes! Hold on tightly!💪","text":"Yes! Hold on tightly!💪","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/243525116375224","repostId":"2384061653","repostType":2,"repost":{"id":"2384061653","pubTimestamp":1700442900,"share":"https://ttm.financial/m/news/2384061653?lang=&edition=fundamental","pubTime":"2023-11-20 09:15","market":"us","language":"en","title":"SoFi: Another Gift","url":"https://stock-news.laohu8.com/highlight/detail?id=2384061653","media":"Seeking Alpha","summary":"SoFi Technologies continues to report strong growth but trades at a low valuation, disconnected from its results.The company hiked adjusted EBITDA guidance for 2023 by 16%, yet SoFi now trades lower.T","content":"<html><head></head><body><ul style=\"\"><li><p>SoFi Technologies continues to report strong growth but trades at a low valuation, disconnected from its results.</p></li><li><p>The company hiked adjusted EBITDA guidance for 2023 by 16%, yet SoFi now trades lower.</p></li><li><p>The stock trades at only 11x &#39;24 adjusted EBITDA targets, which are equivalent to adjusted profits.</p></li></ul><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a917ea3d7457576918fcff15eba5bf3d\" alt=\"carlosalvarez/E+ via Getty Images\" title=\"carlosalvarez/E+ via Getty Images\" tg-width=\"750\" tg-height=\"516\"/><span>carlosalvarez/E+ via Getty Images</span></p><p>Despite persistently strong growth,<strong> SoFi Technologies</strong> (NASDAQ:SOFI) still trades closer to the lows after going public via a SPAC at $10. The digital bank continues to report impressive growth disconnected from the stock movement where every quarterly beat is sold off. My investment thesis remains ultra Bullish on the secular growth story trading at a massive discount.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/52954c7de6f579b3081e8372931a6ffc\" alt=\"Source: Finviz\" title=\"Source: Finviz\" tg-width=\"996\" tg-height=\"442\"/><span>Source: Finviz</span></p><h2 id=\"id_2401392133\">Even More Profitable</h2><p>The big bearish thesis is that SoFi isn&#39;t GAAP profitable, but the company is a fintech with aggressive non-cash stock-back compensation expense and amortization costs from acquisitions. The company just guided to a massive boost in adjusted profits for 2023, yet the stock market has only yawned since the numbers were hiked back on October 30.</p><p>SoFi beat analyst estimates by a wide margin again. While the revenue beat was impressive at $21.6 million for 27% growth, the key was the massive guide-up in the adjusted EBITDA (profits) by over $50 million for 2023. Management now forecasts adjusted EBITDA of $391 million at the midpoint, up from only $338 million.</p><p>Normally a stock would soar on news that adjusted profits are now targeted at $53 million higher, especially when the target is 16% above the previous estimate. SoFi is now generating 48% incremental adjusted EBITDA margins on new revenue.</p><p>The company again forecast a GAAP profit for Q4, but the market is again stuck on this concept of SoFi needing GAAP profits, and the company constantly highlighting this metric versus adjusted EBITDA isn&#39;t helping investor confidence. Instead of focusing on revenues doubling from $1 billion in 2021 to $2+ billion in 2023, the stock is actually down again below $7.</p><p>As highlighted in the past, the prime reason the market is confused about the profits picture is probably due to SoFi using the adjusted EBITDA metric versus adjusted profits. All of the costs the company excludes from the GAAP losses are non-cash other than the interest expenses.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/3d60ab9c79109c12fc181d65e79255a0\" alt=\"Source: SoFi Tech. Q3&#39;23 earnings release\" title=\"Source: SoFi Tech. Q3&#39;23 earnings release\" tg-width=\"640\" tg-height=\"244\"/><span>Source: SoFi Tech. Q3&#39;23 earnings release</span></p><p>Outside of the big impairment charge, the major expenses excluded are non-cash as follows:</p><ul style=\"\"><li><p>Amortization - $52.5 million</p></li><li><p>SBC - $62.0 million</p></li><li><p>Total - $114.5 million</p></li></ul><p>The only real charge to include in the actual adjusted profit is the $9.8 million for corporate interest expenses. The actual adjusted profit would be $88.2 million, but a lot of investors assume EBITDA is excluding a lot of real charges.</p><p>The great part about investing is that individuals can decide which metric is valid to use in valuing a stock. Investors just need to understand the adjusted EBITDA or profit metrics above are the traditional metrics used to value a growth stock like SoFi with such charges.</p><p>The stock has a market cap of only $6.5 billion with 2023 adjusted EBITDA targets of nearly $400 million. The stock only trades at 16.6x 2023 EBITDA targets and just 11.0x 2024 estimates of $586 million.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/0e80a2773ff70161095ef30dc27e959d\" alt=\"Data by YCharts\" title=\"Data by YCharts\" tg-width=\"635\" tg-height=\"500\"/><span>Data by YCharts</span></p><p>Note that SoFi only generated 18% adjusted EBITDA margins in the last quarter. The goal remains to double the margins with a likely avenue for revenues to also double in the next 3 years on 25% growth to reach $4 billion. The ultimate adjusted EBITDA target would be $1.4 billion in 2026, close to the original goal at the time of the SPAC deal to hit just above this EBITDA level in 2025.</p><p>Again, the stock only has a market cap of $6.5 billion and the rapid secular growth will continue driving massive profit growth.</p><h2 id=\"id_1164536242\">Major Catalysts</h2><p>While growth is slowing as SoFi has expanded and the macro economy weakness has lowered general loan demand, the company is still forecast to maintain over 20% growth. The major growth vector is the Financial Services products, even with all of the focus on the re-start of student debt payments.</p><p>SoFi grew Financial Services products by 50% YoY to 8.9 million versus only 1.6 million in the Lending products category. A lot of teeth gnashing has focused on the lending financials over the last year, but the future is actually in the Financial Services segment.</p><p>This segment saw revenue soar to a record $118.2 million for a massive 142% growth in the quarter, up from only $49.0 million last Q3. The Financial Services products finally turned profitable with a contribution profit of $3.3 million, up from a massive $52.6 million loss last Q3. SoFi only grew attributable expenses in the category by 13% to $115.0 million.</p><p>A lot of the weak adjusted EBITDA profits in the last year were related to investing in new products in this division. As products like Credit Card and Money have matured, the profit picture has vastly improved.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/bd124b36322fb848e6f183a2e5663929\" alt=\"Source: SoFi Tech. Q3&#39;23 earnings release\" title=\"Source: SoFi Tech. Q3&#39;23 earnings release\" tg-width=\"640\" tg-height=\"159\"/><span>Source: SoFi Tech. Q3&#39;23 earnings release</span></p><p>These products now contribute a massive $53 per product, up 61% YoY. Not only are the products surging but also the monetization per product is surging.</p><p>All the while, SoFi is still originating student and home loans below the 2021 peak despite buying the new home lending business. The peak loan origination combination for student/home in Q4&#39;21 was over $2.1 billion with the amount down below $1.3 billion in the last quarter.</p><h2 id=\"id_1825534284\">Takeaway</h2><p>The key investor takeaway is that SoFi continues to not rally due to either the negativity from going public via a SPAC or a major misunderstanding of the distinction between GAAP losses and adjusted EBITDA profits. An investor rarely has the opportunity to buy a growth stock with a proven strong management team at this cheap of a multiple. The market disconnect won&#39;t last forever.</p></body></html>","source":"seekingalpha","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: Another Gift</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: Another Gift\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-11-20 09:15 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4652928-sofi-another-gift><strong>Seeking Alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>SoFi Technologies continues to report strong growth but trades at a low valuation, disconnected from its results.The company hiked adjusted EBITDA guidance for 2023 by 16%, yet SoFi now trades lower....</p>\n\n<a href=\"https://seekingalpha.com/article/4652928-sofi-another-gift\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4549":"软银资本持仓","BK4535":"淡马锡持仓","SOFI":"SoFi Technologies Inc.","BK4551":"寇图资本持仓","BK4166":"消费信贷"},"source_url":"https://seekingalpha.com/article/4652928-sofi-another-gift","is_english":true,"share_image_url":"https://static.laohu8.com/5a36db9d73b4222bc376d24ccc48c8a4","article_id":"2384061653","content_text":"SoFi Technologies continues to report strong growth but trades at a low valuation, disconnected from its results.The company hiked adjusted EBITDA guidance for 2023 by 16%, yet SoFi now trades lower.The stock trades at only 11x '24 adjusted EBITDA targets, which are equivalent to adjusted profits.carlosalvarez/E+ via Getty ImagesDespite persistently strong growth, SoFi Technologies (NASDAQ:SOFI) still trades closer to the lows after going public via a SPAC at $10. The digital bank continues to report impressive growth disconnected from the stock movement where every quarterly beat is sold off. My investment thesis remains ultra Bullish on the secular growth story trading at a massive discount.Source: FinvizEven More ProfitableThe big bearish thesis is that SoFi isn't GAAP profitable, but the company is a fintech with aggressive non-cash stock-back compensation expense and amortization costs from acquisitions. The company just guided to a massive boost in adjusted profits for 2023, yet the stock market has only yawned since the numbers were hiked back on October 30.SoFi beat analyst estimates by a wide margin again. While the revenue beat was impressive at $21.6 million for 27% growth, the key was the massive guide-up in the adjusted EBITDA (profits) by over $50 million for 2023. Management now forecasts adjusted EBITDA of $391 million at the midpoint, up from only $338 million.Normally a stock would soar on news that adjusted profits are now targeted at $53 million higher, especially when the target is 16% above the previous estimate. SoFi is now generating 48% incremental adjusted EBITDA margins on new revenue.The company again forecast a GAAP profit for Q4, but the market is again stuck on this concept of SoFi needing GAAP profits, and the company constantly highlighting this metric versus adjusted EBITDA isn't helping investor confidence. Instead of focusing on revenues doubling from $1 billion in 2021 to $2+ billion in 2023, the stock is actually down again below $7.As highlighted in the past, the prime reason the market is confused about the profits picture is probably due to SoFi using the adjusted EBITDA metric versus adjusted profits. All of the costs the company excludes from the GAAP losses are non-cash other than the interest expenses.Source: SoFi Tech. Q3'23 earnings releaseOutside of the big impairment charge, the major expenses excluded are non-cash as follows:Amortization - $52.5 millionSBC - $62.0 millionTotal - $114.5 millionThe only real charge to include in the actual adjusted profit is the $9.8 million for corporate interest expenses. The actual adjusted profit would be $88.2 million, but a lot of investors assume EBITDA is excluding a lot of real charges.The great part about investing is that individuals can decide which metric is valid to use in valuing a stock. Investors just need to understand the adjusted EBITDA or profit metrics above are the traditional metrics used to value a growth stock like SoFi with such charges.The stock has a market cap of only $6.5 billion with 2023 adjusted EBITDA targets of nearly $400 million. The stock only trades at 16.6x 2023 EBITDA targets and just 11.0x 2024 estimates of $586 million.Data by YChartsNote that SoFi only generated 18% adjusted EBITDA margins in the last quarter. The goal remains to double the margins with a likely avenue for revenues to also double in the next 3 years on 25% growth to reach $4 billion. The ultimate adjusted EBITDA target would be $1.4 billion in 2026, close to the original goal at the time of the SPAC deal to hit just above this EBITDA level in 2025.Again, the stock only has a market cap of $6.5 billion and the rapid secular growth will continue driving massive profit growth.Major CatalystsWhile growth is slowing as SoFi has expanded and the macro economy weakness has lowered general loan demand, the company is still forecast to maintain over 20% growth. The major growth vector is the Financial Services products, even with all of the focus on the re-start of student debt payments.SoFi grew Financial Services products by 50% YoY to 8.9 million versus only 1.6 million in the Lending products category. A lot of teeth gnashing has focused on the lending financials over the last year, but the future is actually in the Financial Services segment.This segment saw revenue soar to a record $118.2 million for a massive 142% growth in the quarter, up from only $49.0 million last Q3. The Financial Services products finally turned profitable with a contribution profit of $3.3 million, up from a massive $52.6 million loss last Q3. SoFi only grew attributable expenses in the category by 13% to $115.0 million.A lot of the weak adjusted EBITDA profits in the last year were related to investing in new products in this division. As products like Credit Card and Money have matured, the profit picture has vastly improved.Source: SoFi Tech. Q3'23 earnings releaseThese products now contribute a massive $53 per product, up 61% YoY. Not only are the products surging but also the monetization per product is surging.All the while, SoFi is still originating student and home loans below the 2021 peak despite buying the new home lending business. The peak loan origination combination for student/home in Q4'21 was over $2.1 billion with the amount down below $1.3 billion in the last quarter.TakeawayThe key investor takeaway is that SoFi continues to not rally due to either the negativity from going public via a SPAC or a major misunderstanding of the distinction between GAAP losses and adjusted EBITDA profits. An investor rarely has the opportunity to buy a growth stock with a proven strong management team at this cheap of a multiple. The market disconnect won't last forever.","news_type":1},"isVote":1,"tweetType":1,"viewCount":321,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":236063075205328,"gmtCreate":1698665286253,"gmtModify":1698665290732,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Time to fly high Sofi! 🚀&nbsp;","listText":"Time to fly high Sofi! 🚀&nbsp;","text":"Time to fly high Sofi! 🚀","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/236063075205328","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":412,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":204627435659512,"gmtCreate":1690991104302,"gmtModify":1690991109081,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Trying to funny here? From over 90+ to 55? What this guy is trying to imply? He must have short Roku!🤣","listText":"Trying to funny here? From over 90+ to 55? What this guy is trying to imply? He must have short Roku!🤣","text":"Trying to funny here? From over 90+ to 55? What this guy is trying to imply? He must have short Roku!🤣","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/204627435659512","repostId":"1164724082","repostType":2,"repost":{"id":"1164724082","pubTimestamp":1690945963,"share":"https://ttm.financial/m/news/1164724082?lang=&edition=fundamental","pubTime":"2023-08-02 11:12","market":"us","language":"en","title":"Morgan Stanley Maintains Underweight on Roku, Raises Price Target to $55","url":"https://stock-news.laohu8.com/highlight/detail?id=1164724082","media":"Best Stocks","summary":"On August 1, 2023, Benjamin Swinburne, a highly regarded Wall Street analyst at Morgan Stanley, reaffirmed his Underweight rating on Roku (NASDAQ:ROKU) while increasing the price target from $50 to $5","content":"<html><head></head><body><p>On August 1, 2023, Benjamin Swinburne, a highly regarded Wall Street analyst at Morgan Stanley, reaffirmed his Underweight rating on Roku (NASDAQ:ROKU) while increasing the price target from $50 to $55. Swinburne, known for his expertise in the Services sector, covers a total of 63 stocks. As a part of Morgan Stanley’s team, he diligently analyzes the Communication Services and Technology sectors, providing valuable insights through his extensive portfolio of 1,121 price targets and ratings.</p><p style=\"text-align: start;\">Interestingly, this is not the first time Morgan Stanley has maintained a sell rating for Roku. Back in February 2023, they expressed a similar sentiment towards the company’s stock. Moreover, in March 2023, Swinburne had the opportunity to present at the prestigious Morgan Stanley Technology, Media, and Telecom Conference, where he delved into the various business units within Roku, shedding light on the company’s operations and strategies.</p><p style=\"text-align: start;\">Overall, Swinburne’s continued cautious stance on Roku, coupled with his comprehensive understanding of the Services sector, makes his analysis a valuable resource for investors seeking informed insights in the ever-evolving landscape of the stock market.</p><h2 id=\"id_536247394\" style=\"text-align: start;\">Mixed Growth Rates and Positive Future Expectations</h2><p style=\"text-align: start;\">On August 1, 2023, ROKU stock opened at $95.27, slightly lower than the previous day’s close of $96.28. Throughout the day, the stock’s price fluctuated within a range of $93.80 to $98.41. The trading volume for the day was 435,731, which is significantly lower than the average volume of 8,441,436 over the past three months. ROKU’s market capitalization stood at $12.6 billion.</p><p>ROKU’s earnings growth experienced a significant decline of -298.06% in the previous year. However, this year’s earnings growth showed a slight improvement with a decrease of -41.62%. Analysts predict a positive trend with an expected earnings growth of +18.97% over the next five years.</p><p style=\"text-align: start;\">In terms of revenue growth, ROKU saw a positive growth rate of +13.09% in the last year. This indicates that the company’s sales have been increasing steadily. However, ROKU’s price-to-sales ratio is 1.79, suggesting that the stock may be slightly overvalued compared to its sales. The price-to-book ratio is 4.74, indicating that the stock may be trading at a premium compared to its book value.</p><p style=\"text-align: start;\">ROKU’s price/earnings (P/E) ratio is not available, as indicated by “NM.” The net profit margin for the company is -15.93%, meaning that ROKU’s profitability is currently in the negative.</p><p>ROKU is a prominent player in the Consumer Durables sector and Electronics/Appliances industry. It is headquartered in San Jose, California. Unfortunately, there is no information available regarding the company’s executives.</p><p style=\"text-align: start;\">ROKU’s next reporting date is scheduled for November 1, 2023. Analysts are forecasting an earnings per share (EPS) of -$1.17 for the current quarter. In the previous year, ROKU reported an annual revenue of $3.1 billion, but it incurred a net loss of -$498.0 million.</p><p style=\"text-align: start;\">In conclusion, ROKU’s stock performance on August 1, 2023, was relatively stable, with a slight decrease in the stock price compared to the previous day’s close. The company’s earnings and revenue growth have shown mixed results, with negative growth rates in the past but positive expectations for the future. Investors should closely monitor ROKU’s financial performance and market trends to make informed decisions regarding their investments in the company.</p><h2 id=\"id_452189118\" style=\"text-align: start;\">Roku Inc Stock Analysis: Consensus Among Analysts to Buy Despite Projected Decrease in Value</h2><p style=\"text-align: start;\">On August 1, 2023, Roku Inc’s stock performance was closely monitored by investors, as they analyzed the company’s future prospects. According to data from CNN Money, 25 analysts offered 12-month price forecasts for Roku Inc, with a median target of $84.00. The high estimate was $95.00, while the low estimate stood at $50.00.</p><p>Despite the projected decrease in stock value, there is a current consensus among 32 polled investment analysts to buy stock in Roku Inc. This rating has remained steady since July, when it was upgraded from a hold rating.</p><p style=\"text-align: start;\">It is important to consider other factors that may influence Roku Inc’s stock performance. One such factor is the company’s current financial performance. In the current quarter, Roku Inc reported earnings per share of -$1.17, which indicates a loss. However, the company’s sales stood at $809.3 million, indicating a strong revenue stream.</p><p style=\"text-align: start;\">Investors should also pay attention to the reporting date for Roku Inc’s financial results, which is scheduled for November 1. This date will provide further insights into the company’s performance and may impact its stock value.</p><p style=\"text-align: start;\">In conclusion, despite the median target price forecast indicating a potential decrease in Roku Inc’s stock value, the consensus among investment analysts is to buy stock in the company. Investors should closely monitor the company’s financial performance and the upcoming reporting date for further insights into its prospects.</p></body></html>","source":"lsy1690252377329","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>Morgan Stanley Maintains Underweight on Roku, Raises Price Target to $55</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\">\nMorgan Stanley Maintains Underweight on Roku, Raises Price Target to $55\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-08-02 11:12 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://beststocks.com/wall-street-analyst-reaffirms-underweight-rat/><strong>Best Stocks</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>On August 1, 2023, Benjamin Swinburne, a highly regarded Wall Street analyst at Morgan Stanley, reaffirmed his Underweight rating on Roku (NASDAQ:ROKU) while increasing the price target from $50 to $...</p>\n\n<a href=\"https://beststocks.com/wall-street-analyst-reaffirms-underweight-rat/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"ROKU":"Roku Inc"},"source_url":"https://beststocks.com/wall-street-analyst-reaffirms-underweight-rat/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1164724082","content_text":"On August 1, 2023, Benjamin Swinburne, a highly regarded Wall Street analyst at Morgan Stanley, reaffirmed his Underweight rating on Roku (NASDAQ:ROKU) while increasing the price target from $50 to $55. Swinburne, known for his expertise in the Services sector, covers a total of 63 stocks. As a part of Morgan Stanley’s team, he diligently analyzes the Communication Services and Technology sectors, providing valuable insights through his extensive portfolio of 1,121 price targets and ratings.Interestingly, this is not the first time Morgan Stanley has maintained a sell rating for Roku. Back in February 2023, they expressed a similar sentiment towards the company’s stock. Moreover, in March 2023, Swinburne had the opportunity to present at the prestigious Morgan Stanley Technology, Media, and Telecom Conference, where he delved into the various business units within Roku, shedding light on the company’s operations and strategies.Overall, Swinburne’s continued cautious stance on Roku, coupled with his comprehensive understanding of the Services sector, makes his analysis a valuable resource for investors seeking informed insights in the ever-evolving landscape of the stock market.Mixed Growth Rates and Positive Future ExpectationsOn August 1, 2023, ROKU stock opened at $95.27, slightly lower than the previous day’s close of $96.28. Throughout the day, the stock’s price fluctuated within a range of $93.80 to $98.41. The trading volume for the day was 435,731, which is significantly lower than the average volume of 8,441,436 over the past three months. ROKU’s market capitalization stood at $12.6 billion.ROKU’s earnings growth experienced a significant decline of -298.06% in the previous year. However, this year’s earnings growth showed a slight improvement with a decrease of -41.62%. Analysts predict a positive trend with an expected earnings growth of +18.97% over the next five years.In terms of revenue growth, ROKU saw a positive growth rate of +13.09% in the last year. This indicates that the company’s sales have been increasing steadily. However, ROKU’s price-to-sales ratio is 1.79, suggesting that the stock may be slightly overvalued compared to its sales. The price-to-book ratio is 4.74, indicating that the stock may be trading at a premium compared to its book value.ROKU’s price/earnings (P/E) ratio is not available, as indicated by “NM.” The net profit margin for the company is -15.93%, meaning that ROKU’s profitability is currently in the negative.ROKU is a prominent player in the Consumer Durables sector and Electronics/Appliances industry. It is headquartered in San Jose, California. Unfortunately, there is no information available regarding the company’s executives.ROKU’s next reporting date is scheduled for November 1, 2023. Analysts are forecasting an earnings per share (EPS) of -$1.17 for the current quarter. In the previous year, ROKU reported an annual revenue of $3.1 billion, but it incurred a net loss of -$498.0 million.In conclusion, ROKU’s stock performance on August 1, 2023, was relatively stable, with a slight decrease in the stock price compared to the previous day’s close. The company’s earnings and revenue growth have shown mixed results, with negative growth rates in the past but positive expectations for the future. Investors should closely monitor ROKU’s financial performance and market trends to make informed decisions regarding their investments in the company.Roku Inc Stock Analysis: Consensus Among Analysts to Buy Despite Projected Decrease in ValueOn August 1, 2023, Roku Inc’s stock performance was closely monitored by investors, as they analyzed the company’s future prospects. According to data from CNN Money, 25 analysts offered 12-month price forecasts for Roku Inc, with a median target of $84.00. The high estimate was $95.00, while the low estimate stood at $50.00.Despite the projected decrease in stock value, there is a current consensus among 32 polled investment analysts to buy stock in Roku Inc. This rating has remained steady since July, when it was upgraded from a hold rating.It is important to consider other factors that may influence Roku Inc’s stock performance. One such factor is the company’s current financial performance. In the current quarter, Roku Inc reported earnings per share of -$1.17, which indicates a loss. However, the company’s sales stood at $809.3 million, indicating a strong revenue stream.Investors should also pay attention to the reporting date for Roku Inc’s financial results, which is scheduled for November 1. This date will provide further insights into the company’s performance and may impact its stock value.In conclusion, despite the median target price forecast indicating a potential decrease in Roku Inc’s stock value, the consensus among investment analysts is to buy stock in the company. Investors should closely monitor the company’s financial performance and the upcoming reporting date for further insights into its prospects.","news_type":1},"isVote":1,"tweetType":1,"viewCount":435,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":197425369591808,"gmtCreate":1689239704018,"gmtModify":1689239960626,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Another short joker!","listText":"Another short joker!","text":"Another short joker!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/197425369591808","repostId":"1136388861","repostType":2,"isVote":1,"tweetType":1,"viewCount":480,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":190508780359728,"gmtCreate":1687536634020,"gmtModify":1687536638550,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Please continue so that I can buy more of sofiat a cheaper rates! Thank you very much!🙏","listText":"Please continue so that I can buy more of sofiat a cheaper rates! Thank you very much!🙏","text":"Please continue so that I can buy more of sofiat a cheaper rates! Thank you very much!🙏","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/190508780359728","repostId":"2345779587","repostType":2,"repost":{"id":"2345779587","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1687536000,"share":"https://ttm.financial/m/news/2345779587?lang=&edition=fundamental","pubTime":"2023-06-24 00:00","market":"us","language":"en","title":"SoFi's stock surge is 'overdone,' analyst warns: It's 'difficult to justify' owning shares now","url":"https://stock-news.laohu8.com/highlight/detail?id=2345779587","media":"Dow Jones","summary":"Compass Point initiates coverage of SoFi shares with a sell rating. It's now difficult to justify owning shares of SoFi Technologies Inc., which have flown more than 50% higher over the past month, according to one analyst.Compass Point's Giuliano Bologna called the recent SoFi  rally \"overdone\" as he initiated coverage of the stock with a sell rating and $5 price target Thursday. SoFi shares were down about 5% in Friday morning action and trading near $8.\"The student-loan moratorium was already scheduled to end on June 30 with payments resuming 60 days later,\" he wrote. \"Recent events are unlikely to have a material impact on that timeline and the recovery refinance origination volumes.\". While Bologna doubted that SoFi would change its accounting treatment of loans, especially existing ones, he wrote that the company's held-for-sale approach \"has been a front-end benefit to revenue/earnings but could become an overhang and risk in the future.\"","content":"<font class=\"NormalMinus1\" face=\"Arial\">\n<p>\nMW SoFi's stock surge is 'overdone,' analyst warns: It's 'difficult to justify' owning shares now\n</p>\n<p>\n  By Emily Bary \n</p>\n<p>\n  Compass Point initiates coverage of SoFi shares with a sell rating \n</p>\n<p>\n  It's now difficult to justify owning shares of <a href=\"https://laohu8.com/S/SOFI\">SoFi Technologies Inc.</a>, which have flown more than 50% higher over the past month, according to one analyst. \n</p>\n<p>\n  Compass Point's Giuliano Bologna called the recent SoFi (SOFI) rally \"overdone\" as he initiated coverage of the stock with a sell rating and $5 price target Thursday. SoFi shares were down about 5% in Friday morning action and trading near $8. \n</p>\n<p>\n  SoFi's stock momentum lately partly reflects optimism about the financial-technology company's ability to benefit from the approaching end of the moratorium on student-loan payments, as solidified by the recent debt-ceiling deal, though Bologna said Wall Street's enthusiasm seems like an overreaction. \n</p>\n<p>\n  \"The student-loan moratorium was already scheduled to end on June 30 with payments resuming 60 days later,\" he wrote. \"Recent events are unlikely to have a material impact on that timeline and the recovery refinance origination volumes.\" \n</p>\n<p>\n  Read:SoFi's stock draws extreme reactions. What one analyst thinks will follow the latest surge \n</p>\n<p>\n  Bologna has other concerns as well, including about the company's fair-value accounting treatment of the loans it originates, which has been an area of controversy around the stock. \n</p>\n<p>\n  While Bologna doubted that SoFi would change its accounting treatment of loans, especially existing ones, he wrote that the company's held-for-sale approach \"has been a front-end benefit to revenue/earnings but could become an overhang and risk in the future.\" \n</p>\n<p>\n  In general, he worries that a possible growth slowdown \"could become an overhang for [SoFi] over the next few quarters and reduce profitability.\" \n</p>\n<p>\n  \"Since [SoFi's] accounting flows through in different ways, we believe it's important to put the accounting impact in perspective since we believe the current accounting treatment creates a positive tailwind during period of high growth similar to the current environment,\" he wrote. \"But it's also important to consider the potential negative impacts if growth slows ... because we believe [SoFi's] current capital levels could become a constraint to balance sheet growth\" during fiscal 2024. \n</p>\n<p>\n  Don't miss:The company at the center of financial-aid disbursement has left investors with losses and college kids with questionable fees \n</p>\n<p>\n  Bologna also has questions about the company's technology businesses, which help other fintech players offer services to customers. \n</p>\n<p>\n  \"[SoFi's] technology businesses are a source of growth and valuation optionality for the company in the future but full value may be difficult to justify as part of a bank with a large balance sheet,\" he wrote. \n</p>\n<p>\n  Bologna added that typically, \"when balance sheet banks and non-banks have owned non-financial businesses that have minimal or no tangible equity but generate earnings, these companies have not been valued on a [sum-of-the-parts] basis splitting up the value of the higher-multiple technology or non-financial business from the financial business.\" \n</p>\n<p>\n  See also:Why SoFi's stock is this analyst's top pick in fintech \n</p>\n<p>\n  -Emily Bary \n</p>\n<p>\n  This content was created by MarketWatch, which is operated by <a href=\"https://laohu8.com/S/DJS\">Dow Jones</a> &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal. \n</p>\n<pre>\n \n</pre>\n<p>\n  (END) Dow Jones Newswires\n</p>\n<p>\n  June 23, 2023 12:00 ET (16:00 GMT)\n</p>\n<p>\n  Copyright (c) 2023 Dow Jones &amp; Company, Inc.\n</p>\n</font>","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's stock surge is 'overdone,' analyst warns: It's 'difficult to justify' owning shares now</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's stock surge is 'overdone,' analyst warns: It's 'difficult to justify' owning shares now\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2023-06-24 00:00</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<font class=\"NormalMinus1\" face=\"Arial\">\n<p>\nMW SoFi's stock surge is 'overdone,' analyst warns: It's 'difficult to justify' owning shares now\n</p>\n<p>\n  By Emily Bary \n</p>\n<p>\n  Compass Point initiates coverage of SoFi shares with a sell rating \n</p>\n<p>\n  It's now difficult to justify owning shares of <a href=\"https://laohu8.com/S/SOFI\">SoFi Technologies Inc.</a>, which have flown more than 50% higher over the past month, according to one analyst. \n</p>\n<p>\n  Compass Point's Giuliano Bologna called the recent SoFi (SOFI) rally \"overdone\" as he initiated coverage of the stock with a sell rating and $5 price target Thursday. SoFi shares were down about 5% in Friday morning action and trading near $8. \n</p>\n<p>\n  SoFi's stock momentum lately partly reflects optimism about the financial-technology company's ability to benefit from the approaching end of the moratorium on student-loan payments, as solidified by the recent debt-ceiling deal, though Bologna said Wall Street's enthusiasm seems like an overreaction. \n</p>\n<p>\n  \"The student-loan moratorium was already scheduled to end on June 30 with payments resuming 60 days later,\" he wrote. \"Recent events are unlikely to have a material impact on that timeline and the recovery refinance origination volumes.\" \n</p>\n<p>\n  Read:SoFi's stock draws extreme reactions. What one analyst thinks will follow the latest surge \n</p>\n<p>\n  Bologna has other concerns as well, including about the company's fair-value accounting treatment of the loans it originates, which has been an area of controversy around the stock. \n</p>\n<p>\n  While Bologna doubted that SoFi would change its accounting treatment of loans, especially existing ones, he wrote that the company's held-for-sale approach \"has been a front-end benefit to revenue/earnings but could become an overhang and risk in the future.\" \n</p>\n<p>\n  In general, he worries that a possible growth slowdown \"could become an overhang for [SoFi] over the next few quarters and reduce profitability.\" \n</p>\n<p>\n  \"Since [SoFi's] accounting flows through in different ways, we believe it's important to put the accounting impact in perspective since we believe the current accounting treatment creates a positive tailwind during period of high growth similar to the current environment,\" he wrote. \"But it's also important to consider the potential negative impacts if growth slows ... because we believe [SoFi's] current capital levels could become a constraint to balance sheet growth\" during fiscal 2024. \n</p>\n<p>\n  Don't miss:The company at the center of financial-aid disbursement has left investors with losses and college kids with questionable fees \n</p>\n<p>\n  Bologna also has questions about the company's technology businesses, which help other fintech players offer services to customers. \n</p>\n<p>\n  \"[SoFi's] technology businesses are a source of growth and valuation optionality for the company in the future but full value may be difficult to justify as part of a bank with a large balance sheet,\" he wrote. \n</p>\n<p>\n  Bologna added that typically, \"when balance sheet banks and non-banks have owned non-financial businesses that have minimal or no tangible equity but generate earnings, these companies have not been valued on a [sum-of-the-parts] basis splitting up the value of the higher-multiple technology or non-financial business from the financial business.\" \n</p>\n<p>\n  See also:Why SoFi's stock is this analyst's top pick in fintech \n</p>\n<p>\n  -Emily Bary \n</p>\n<p>\n  This content was created by MarketWatch, which is operated by <a href=\"https://laohu8.com/S/DJS\">Dow Jones</a> &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal. \n</p>\n<pre>\n \n</pre>\n<p>\n  (END) Dow Jones Newswires\n</p>\n<p>\n  June 23, 2023 12:00 ET (16:00 GMT)\n</p>\n<p>\n  Copyright (c) 2023 Dow Jones &amp; Company, Inc.\n</p>\n</font>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","SOFI":"SoFi Technologies Inc.","BK4549":"软银资本持仓","BK4535":"淡马锡持仓","BK4551":"寇图资本持仓"},"source_url":"https://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2345779587","content_text":"MW SoFi's stock surge is 'overdone,' analyst warns: It's 'difficult to justify' owning shares now\n\n\n  By Emily Bary \n\n\n  Compass Point initiates coverage of SoFi shares with a sell rating \n\n\n  It's now difficult to justify owning shares of SoFi Technologies Inc., which have flown more than 50% higher over the past month, according to one analyst. \n\n\n  Compass Point's Giuliano Bologna called the recent SoFi (SOFI) rally \"overdone\" as he initiated coverage of the stock with a sell rating and $5 price target Thursday. SoFi shares were down about 5% in Friday morning action and trading near $8. \n\n\n  SoFi's stock momentum lately partly reflects optimism about the financial-technology company's ability to benefit from the approaching end of the moratorium on student-loan payments, as solidified by the recent debt-ceiling deal, though Bologna said Wall Street's enthusiasm seems like an overreaction. \n\n\n  \"The student-loan moratorium was already scheduled to end on June 30 with payments resuming 60 days later,\" he wrote. \"Recent events are unlikely to have a material impact on that timeline and the recovery refinance origination volumes.\" \n\n\n  Read:SoFi's stock draws extreme reactions. What one analyst thinks will follow the latest surge \n\n\n  Bologna has other concerns as well, including about the company's fair-value accounting treatment of the loans it originates, which has been an area of controversy around the stock. \n\n\n  While Bologna doubted that SoFi would change its accounting treatment of loans, especially existing ones, he wrote that the company's held-for-sale approach \"has been a front-end benefit to revenue/earnings but could become an overhang and risk in the future.\" \n\n\n  In general, he worries that a possible growth slowdown \"could become an overhang for [SoFi] over the next few quarters and reduce profitability.\" \n\n\n  \"Since [SoFi's] accounting flows through in different ways, we believe it's important to put the accounting impact in perspective since we believe the current accounting treatment creates a positive tailwind during period of high growth similar to the current environment,\" he wrote. \"But it's also important to consider the potential negative impacts if growth slows ... because we believe [SoFi's] current capital levels could become a constraint to balance sheet growth\" during fiscal 2024. \n\n\n  Don't miss:The company at the center of financial-aid disbursement has left investors with losses and college kids with questionable fees \n\n\n  Bologna also has questions about the company's technology businesses, which help other fintech players offer services to customers. \n\n\n  \"[SoFi's] technology businesses are a source of growth and valuation optionality for the company in the future but full value may be difficult to justify as part of a bank with a large balance sheet,\" he wrote. \n\n\n  Bologna added that typically, \"when balance sheet banks and non-banks have owned non-financial businesses that have minimal or no tangible equity but generate earnings, these companies have not been valued on a [sum-of-the-parts] basis splitting up the value of the higher-multiple technology or non-financial business from the financial business.\" \n\n\n  See also:Why SoFi's stock is this analyst's top pick in fintech \n\n\n  -Emily Bary \n\n\n  This content was created by MarketWatch, which is operated by Dow Jones & Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal. \n\n\n \n\n\n  (END) Dow Jones Newswires\n\n\n  June 23, 2023 12:00 ET (16:00 GMT)\n\n\n  Copyright (c) 2023 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"tweetType":1,"viewCount":378,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":187612851253360,"gmtCreate":1686831539083,"gmtModify":1686831543872,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Nice to see that!&nbsp;","listText":"Nice to see that!&nbsp;","text":"Nice to see that!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/187612851253360","repostId":"1163757448","repostType":2,"repost":{"id":"1163757448","pubTimestamp":1686807084,"share":"https://ttm.financial/m/news/1163757448?lang=&edition=fundamental","pubTime":"2023-06-15 13:31","market":"us","language":"en","title":"SOFI Stock Alert: BTIG Just Set a New Street-High Price Target","url":"https://stock-news.laohu8.com/highlight/detail?id=1163757448","media":"InvestorPlace","summary":"SoFi (SOFI) stock is in the green on Wednesday following some positive commentary from BTIG analyst ","content":"<html><head></head><body><ul><li><p><strong>SoFi</strong> (<strong><u>SOFI</u></strong>) stock is in the green on Wednesday following some positive commentary from BTIG analyst Lance Jessurun.</p></li><li><p>The analyst gave SOFI stock a “buy” rating and set a generous $14 price target, well above the current $9.70 share price.</p></li><li><p>According to Jessurun, SoFi’s looming 2023 profitability, coming alongside the end of the student loan moratorium, means SOFI is woefully undervalued.</p></li></ul><p style=\"text-align: start;\">One BTIG analyst just raised their <strong>SoFi</strong> (NASDAQ: SOFI) stock target, marking the highest price target level for SoFi on Wall Street. Indeed, BTIG analyst Lance Jessurun initiated coverage of SOFI stock, offering a “buy” rating and setting a $14 target.</p><p style=\"text-align: start;\">What do you need to know about SoFi?</p><p style=\"text-align: start;\">Well, on Tuesday afternoon, Jessurun made some kind remarks on SoFi’s place in the fintech world:</p><blockquote>“SoFi’s platform boasts a robust product suite and digital interface, and the intuitive UI/UX, member-first approach and cross-selling opportunities have driven significant user growth and uptake of new products.”</blockquote><p style=\"text-align: start;\">According to Jessurun, SoFi is expected to continue growing its user base — and its share price — as the company achieves profitability by the end of this year. The analyst elaborated:</p><blockquote>“Going forward, we expect SoFi to benefit from the successful implementation of the banking charter and associated ongoing deposit inflows, in conjunction with margin expansion, member growth, and the strong adoption of financial services products by members.”</blockquote><h2 style=\"text-align: start;\">SOFI Stock Climbs on BTIG Rating</h2><p style=\"text-align: start;\">SOFI stock is enjoying an analyst-fueled uptick today, closing in the green by about 2%. Indeed, it seems analysts and investors alike have taken notice of BTIG’s glowing words and elevated price target.</p><p style=\"text-align: start;\">Reasonably so, SoFi is trending at around $9.70 per share as of this writing, well below Jessurun’s $14 target. Interestingly, this was a major point of the analyst’s assessment:</p><blockquote>“SoFi went public as a SPAC in 2021, and has since emerged as a leader in the consumer-focused fintech space, but you wouldn’t be able to tell given the share price performance.”</blockquote><p style=\"text-align: start;\">As many analysts have speculated, SoFi’s share price will likely take an upward turn when the student loan moratorium comes to an end, 60 days after June 30. In the long term, SoFi’s current stock price is something of a discount, given it’s profit trajectory when its biggest source of revenue returns to the fold.</p><blockquote>“Ultimately, while SoFi’s shares may be inexpensive now, it’s difficult to see valuation remaining this low with GAAP profitability by the end of FY23, and potential further upside coming from the end to the student loan payment moratorium.”</blockquote></body></html>","source":"investorplace","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 Alert: BTIG Just Set a New Street-High Price Target</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 Alert: BTIG Just Set a New Street-High Price Target\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-06-15 13:31 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2023/06/sofi-stock-alert-btig-just-set-a-new-street-high-price-target/><strong>InvestorPlace</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>SoFi (SOFI) stock is in the green on Wednesday following some positive commentary from BTIG analyst Lance Jessurun.The analyst gave SOFI stock a “buy” rating and set a generous $14 price target, well ...</p>\n\n<a href=\"https://investorplace.com/2023/06/sofi-stock-alert-btig-just-set-a-new-street-high-price-target/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://investorplace.com/2023/06/sofi-stock-alert-btig-just-set-a-new-street-high-price-target/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1163757448","content_text":"SoFi (SOFI) stock is in the green on Wednesday following some positive commentary from BTIG analyst Lance Jessurun.The analyst gave SOFI stock a “buy” rating and set a generous $14 price target, well above the current $9.70 share price.According to Jessurun, SoFi’s looming 2023 profitability, coming alongside the end of the student loan moratorium, means SOFI is woefully undervalued.One BTIG analyst just raised their SoFi (NASDAQ: SOFI) stock target, marking the highest price target level for SoFi on Wall Street. Indeed, BTIG analyst Lance Jessurun initiated coverage of SOFI stock, offering a “buy” rating and setting a $14 target.What do you need to know about SoFi?Well, on Tuesday afternoon, Jessurun made some kind remarks on SoFi’s place in the fintech world:“SoFi’s platform boasts a robust product suite and digital interface, and the intuitive UI/UX, member-first approach and cross-selling opportunities have driven significant user growth and uptake of new products.”According to Jessurun, SoFi is expected to continue growing its user base — and its share price — as the company achieves profitability by the end of this year. The analyst elaborated:“Going forward, we expect SoFi to benefit from the successful implementation of the banking charter and associated ongoing deposit inflows, in conjunction with margin expansion, member growth, and the strong adoption of financial services products by members.”SOFI Stock Climbs on BTIG RatingSOFI stock is enjoying an analyst-fueled uptick today, closing in the green by about 2%. Indeed, it seems analysts and investors alike have taken notice of BTIG’s glowing words and elevated price target.Reasonably so, SoFi is trending at around $9.70 per share as of this writing, well below Jessurun’s $14 target. Interestingly, this was a major point of the analyst’s assessment:“SoFi went public as a SPAC in 2021, and has since emerged as a leader in the consumer-focused fintech space, but you wouldn’t be able to tell given the share price performance.”As many analysts have speculated, SoFi’s share price will likely take an upward turn when the student loan moratorium comes to an end, 60 days after June 30. In the long term, SoFi’s current stock price is something of a discount, given it’s profit trajectory when its biggest source of revenue returns to the fold.“Ultimately, while SoFi’s shares may be inexpensive now, it’s difficult to see valuation remaining this low with GAAP profitability by the end of FY23, and potential further upside coming from the end to the student loan payment moratorium.”","news_type":1},"isVote":1,"tweetType":1,"viewCount":161,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":187611603845272,"gmtCreate":1686831471601,"gmtModify":1686831475651,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Trying to short? Try harder!🤣","listText":"Trying to short? Try harder!🤣","text":"Trying to short? Try harder!🤣","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/187611603845272","repostId":"2343104924","repostType":2,"repost":{"id":"2343104924","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1686825120,"share":"https://ttm.financial/m/news/2343104924?lang=&edition=fundamental","pubTime":"2023-06-15 18:32","market":"nz","language":"en","title":"SoFi Technologies Cut to Perform From Outperform by Oppenheimer","url":"https://stock-news.laohu8.com/highlight/detail?id=2343104924","media":"Dow Jones","summary":"Ratings actions from Benzinga: https://www.benzinga.com/quote/SOFI/analyst-ratings \n\n\n \n\n\n  (END) Dow Jones Newswires\n\n\n  June 15, 2023 06:32 ET (10:32 GMT)","content":"<font class=\"NormalMinus1\" face=\"Arial\">\n<pre>\n \n</pre>\n<p>\n  Ratings actions from Benzinga: https://www.benzinga.com/quote/SOFI/analyst-ratings \n</p>\n<pre>\n \n</pre>\n<p>\n  (END) <a href=\"https://laohu8.com/S/DJS\">Dow Jones</a> Newswires\n</p>\n<p>\n  June 15, 2023 06:32 ET (10:32 GMT)\n</p>\n</font>","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 Cut to Perform From Outperform by Oppenheimer</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 Cut to Perform From Outperform by Oppenheimer\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2023-06-15 18:32</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<font class=\"NormalMinus1\" face=\"Arial\">\n<pre>\n \n</pre>\n<p>\n  Ratings actions from Benzinga: https://www.benzinga.com/quote/SOFI/analyst-ratings \n</p>\n<pre>\n \n</pre>\n<p>\n  (END) <a href=\"https://laohu8.com/S/DJS\">Dow Jones</a> Newswires\n</p>\n<p>\n  June 15, 2023 06:32 ET (10:32 GMT)\n</p>\n</font>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","SOFI":"SoFi Technologies Inc.","BK4127":"投资银行业与经纪业","BK4549":"软银资本持仓","BK4535":"淡马锡持仓","BK4551":"寇图资本持仓","OPY":"奥本海默控股"},"source_url":"https://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2343104924","content_text":"Ratings actions from Benzinga: https://www.benzinga.com/quote/SOFI/analyst-ratings \n\n\n \n\n\n  (END) Dow Jones Newswires\n\n\n  June 15, 2023 06:32 ET (10:32 GMT)","news_type":1},"isVote":1,"tweetType":1,"viewCount":191,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":184772184772712,"gmtCreate":1686149676479,"gmtModify":1686149679194,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$&nbsp;</a><v-v data-views=\"1\"></v-v>Holding on to 260+! Let's hit it Tesla!💪","listText":"<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$&nbsp;</a><v-v data-views=\"1\"></v-v>Holding on to 260+! Let's hit it Tesla!💪","text":"$Tesla Motors(TSLA)$ Holding on to 260+! Let's hit it Tesla!💪","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/184772184772712","isVote":1,"tweetType":1,"viewCount":563,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9970641282,"gmtCreate":1684419479247,"gmtModify":1684419483175,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"A piece of nonsense....","listText":"A piece of nonsense....","text":"A piece of nonsense....","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9970641282","repostId":"2336137586","repostType":2,"repost":{"id":"2336137586","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1684413480,"share":"https://ttm.financial/m/news/2336137586?lang=&edition=fundamental","pubTime":"2023-05-18 20:38","market":"hk","language":"en","title":"Upstart Holdings Price Target Maintained With a $6.00/Share by Stephens & Co.","url":"https://stock-news.laohu8.com/highlight/detail?id=2336137586","media":"Dow Jones","summary":"Ratings actions from Benzinga: https://www.benzinga.com/stock/UPST/ratings \n\n\n \n\n\n  (END) Dow Jones ","content":"<font class=\"NormalMinus1\" face=\"Arial\">\n<pre>\n \n</pre>\n<p>\n  Ratings actions from Benzinga: https://www.benzinga.com/stock/UPST/ratings \n</p>\n<pre>\n \n</pre>\n<p>\n  (END) Dow Jones Newswires\n</p>\n<p>\n  May 18, 2023 08:38 ET (12:38 GMT)\n</p>\n</font>","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>Upstart Holdings Price Target Maintained With a $6.00/Share by Stephens & Co.</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\">\nUpstart Holdings Price Target Maintained With a $6.00/Share by Stephens & Co.\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2023-05-18 20:38</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<font class=\"NormalMinus1\" face=\"Arial\">\n<pre>\n \n</pre>\n<p>\n  Ratings actions from Benzinga: https://www.benzinga.com/stock/UPST/ratings \n</p>\n<pre>\n \n</pre>\n<p>\n  (END) Dow Jones Newswires\n</p>\n<p>\n  May 18, 2023 08:38 ET (12:38 GMT)\n</p>\n</font>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TGT":"塔吉特","BK4585":"ETF&股票定投概念","LU0823411888.USD":"法巴消费创新基金 Cap","BK4166":"消费信贷","BK4155":"大卖场与超市","UPST":"Upstart Holdings, Inc.","LU1244550221.USD":"FRANKLIN GLOBAL MULTI-ASSET  INCOME \"A\" (USDHEDGED) INC (M)","BK4588":"碎股","BK4504":"桥水持仓","BK4533":"AQR资本管理(全球第二大对冲基金)","LU1244550577.SGD":"FTIF - Franklin Global Multi-Asset Income A (Mdis) SGD-H1","BK4561":"索罗斯持仓","BK4532":"文艺复兴科技持仓","BK4114":"综合货品商店","LU1244550494.USD":"FRANKLIN GLOBAL MULTI-ASSET INCOME \"A\" (USDHEDGED) ACC"},"source_url":"https://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2336137586","content_text":"Ratings actions from Benzinga: https://www.benzinga.com/stock/UPST/ratings \n\n\n \n\n\n  (END) Dow Jones Newswires\n\n\n  May 18, 2023 08:38 ET (12:38 GMT)","news_type":1},"isVote":1,"tweetType":1,"viewCount":215,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9947974246,"gmtCreate":1682518783085,"gmtModify":1682518787761,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Another bank going soon?😓","listText":"Another bank going soon?😓","text":"Another bank going soon?😓","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9947974246","repostId":"2330926743","repostType":2,"repost":{"id":"2330926743","pubTimestamp":1682518162,"share":"https://ttm.financial/m/news/2330926743?lang=&edition=fundamental","pubTime":"2023-04-26 22:09","market":"us","language":"zh","title":"第一共和银行暴跌，银行危机又要来了？","url":"https://stock-news.laohu8.com/highlight/detail?id=2330926743","media":"虎嗅","summary":"大型银行仍是金融风暴中的“避风港”","content":"<html><body><p><span label=\"备注\">本文来自微信公众号：</span><span>巴伦周刊 （ID：barronschina）</span><span>，作者：卡尔顿·英格里希、安德鲁·韦尔奇，编辑：郭力群，题图来自：<a href=\"https://laohu8.com/S/000681\">视觉中国</a></span></p><p label=\"正文\">总部设在旧金山的<a href=\"https://laohu8.com/S/FRC\">第一共和银行</a><span label=\"备注\">（FRC）</span>的股价在4月25日暴跌49%，至8.10美元，触及历史新低，今年迄今为止已经下跌了93%，其他地区性银行也受到拖累，但没有出现直线下跌的情况，这表明投资者并不担心更广泛的传染风险。 </p><p>股价暴跌导火索是第一共和银行周一盘后公布的一季度财报。财报显示，<strong>第一季度该行存款骤减41%，至1045亿美元，比上季度减少了720亿美元。</strong>如果没有<a href=\"https://laohu8.com/S/JPM\">摩根大通</a><span label=\"备注\">（JPMorgan Chase）</span>和美国银行<span label=\"备注\">（Bank of America）</span>等大型银行注入的300亿美元存款，情况会更糟。彭博社调查的分析师之前预计存款额为1370亿美元。 </p><p>地区性银行Western Alliance Bancorp<span label=\"备注\">（WAL）</span>4月25日收盘下跌5.6%，ZION Bancorp<span label=\"备注\">（ZIOn）</span>和<a href=\"https://laohu8.com/S/KEY\">KeyCorp</a><span label=\"备注\">（KEY）</span>跌幅均超过5%。交易所交易基金SPDR S&amp;P Regional Banking<span label=\"备注\">（KRE）</span>4月25日下跌了4.2%。 </p><p>为了扭转局面，<strong>第一共和银行周一称计划裁员20%~25%，同时缩减资产负债表规模，</strong>但该行在与分析师召开的电话会议上没有回答任何问题，让华尔街感到不安。 </p><p>晨星<span label=\"备注\">（Morningstar）</span>分析师埃里克·<a href=\"https://laohu8.com/S/603798\">康普顿</a><span label=\"备注\">（Eric Compton）</span>对《巴伦周刊》说：“我看不到任何解决方案，裁员20%~25%你怎么增长？该行目前情况非常糟糕。” </p><p><strong>高度个性化的财富管理服务是第一共和银行的核心产品，但在削减成本、失去顾问的情况下，很难提供这种服务。</strong>该行说，截至4月21日留住了近90%的理财顾问，离职的理财顾问管理的资产不到公司总资产的20%。 </p><p>不过，关于理财顾问离职的消息一直都有，其中包括一个管理130亿美元资产的团队跳槽到芝加哥的Cresset Capital。还有一些顾问跳槽去了<a href=\"https://laohu8.com/S/MS\">摩根士丹利</a><span label=\"备注\">（Morgan Stanley）</span>、瑞银和<a href=\"https://laohu8.com/S/RY\">加拿大皇家银行</a><span label=\"备注\">（Royal bank of Canada）</span>。</p><p>彭博社周二报道称，第一共和银行计划出售500亿至1000亿美元的资产，包括长期抵押贷款和证券，以缩小其资产负债表，并清理困扰该行的资产负债错配问题，有关该行资产负债表调整的更多细节由此浮出水面。<strong>随着利率的快速上升，该行面临存款利率高于贷款利率的压力。 </strong></p><p>第一共和银行对此不予置评。 </p><p><strong>第一共和银行面临的压力给其他地区性银行股造成拖累。</strong>华尔街普遍认为，虽然利率上升扩大了存贷款息差，但这种利好只会在一定程度上起作用，如果利率过高，银行将面临向储户支付更多利息的额外压力。 </p><p>这会缩小银行从贷款中赚取的利润空间。这种压力可能已经基本反映在了股价上。SPDR S&amp;P Regional Banking<span label=\"备注\">（KRE）</span>今年已经下跌了30%，SPDR S&amp;P Bank ETF<span label=\"备注\">（KBE）</span>下跌了22%。不过，<strong>分析师并不太担心第一共和银行的问题会蔓延到其他地区性银行。 </strong></p><p><a href=\"https://laohu8.com/S/WFC\">富国银行</a><span label=\"备注\">（Wells Fargo）</span>分析师贾里德·肖<span label=\"备注\">（Jared Shaw）</span>对《巴伦周刊》说：“这并不表明中型银行受到了更广泛的影响。”他指出，<strong>第一共和银行和硅谷银行之所以陷入困境，是因为它们的存款基础极其集中。</strong>“虽然3月份发生了那么多事，<strong>但目前我们讨论的只是第一共和银行，该行正在经历一段艰难时期，我们不必担心更广泛的银行。</strong>”</p><p>其他银行显示出了韧性。最近波动较大的银行股之一<a href=\"https://laohu8.com/S/PACW\">PacWest Bancorp</a><span label=\"备注\">（PACW）</span>的股价在周二盘后交易中上涨了24%，此前该行称，过去几周其存款余额增加了18亿美元。另一只波动较大的银行股Western Alliance<span label=\"备注\">（WAL）</span>上周公布了财报，称自3月20日以来存款流入30亿美元，该行股价在财报公布后上涨超过20%。其他银行公布的存款趋势均符合分析师的预期。 </p><p>与此同时，大型银行的财报给华尔街留下了深刻印象，部分原因是多样化客户基础和多样化收入来源带来的好处。<strong>充满挑战的宏观经济环境损害了大型银行的投行业务收入，但提高了它们的净利息收入</strong><span label=\"备注\">（NII）</span>。 </p><p>摩根大通<span label=\"备注\">（JPMorgan Chase）</span>第一季度营收达到创纪录的383亿美元，投资银行业务营收下降24%，但NII增长了49%。 </p><p>大型银行也是风暴中的“避风港”，因为<strong>小银行的客户担心自己的资金不安全，纷纷将资产转移到更大的银行。</strong>摩根大通首席财务官杰里米·巴纳姆<span label=\"备注\">（Jeremy Barnum）</span>本月在与分析师召开的电话会议上表示，由于这些存款很快流入了规模更大的银行，这意味着这部分存款“很不稳定”，因此这些存款还能留在大银行多久还有待观察。 </p><p>现在的另一个问题是，第一共和银行能够在多长时间里留住存款，大型银行向该行注资时承诺把自己的存款保留在第一共和银行至少120天，即从3月中旬开始一直到7月中旬，之后存款还能留多久对于第一共和银行的业务和股票来说是一个关键问题。 </p><p>目前，华尔街将希望寄托于大型银行。 </p><p><span label=\"备注\">（本文内容仅供参考，不构成任何形式的投资和金融建议；市场有风险，投资须谨慎。）</span></p><p><span label=\"备注\">本文来自微信公众号：</span><span>巴伦周刊 （ID：barronschina）</span><span>，作者：卡尔顿·英格里希、安德鲁·韦尔奇，编辑：郭力群</span></p></body></html>","source":"highlight_huxiu","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>第一共和银行暴跌，银行危机又要来了？</title>\n<style 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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\">\n第一共和银行暴跌，银行危机又要来了？\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-04-26 22:09 北京时间&nbsp;&nbsp;&nbsp;<a href=https://www.huxiu.com/article/1334352.html><strong>虎嗅</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>本文来自微信公众号：巴伦周刊 （ID：barronschina），作者：卡尔顿·英格里希、安德鲁·韦尔奇，编辑：郭力群，题图来自：视觉中国总部设在旧金山的第一共和银行（FRC）的股价在4月25日暴跌49%，至8.10美元，触及历史新低，今年迄今为止已经下跌了93%，其他地区性银行也受到拖累，但没有出现直线下跌的情况，这表明投资者并不担心更广泛的传染风险。 股价暴跌导火索是第一共和银行周一盘后公布的...</p>\n\n<a href=\"https://www.huxiu.com/article/1334352.html\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://img.huxiucdn.com/article/cover/202304/26/220249909518.jpg?imageView2/1/w/720/h/405/|imageMogr2/strip/interlace/1/quality/85/format/jpg","relate_stocks":{"161121":"银行","BK4211":"区域性银行","BK4589":"SVB概念","BK4548":"巴美列捷福持仓","LU0266013472.USD":"AXA WF - Framlington Longevity Economy A Cap USD","FRCB":"第一共和银行","BK4585":"ETF&股票定投概念","BK4588":"碎股"},"source_url":"https://www.huxiu.com/article/1334352.html","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2330926743","content_text":"本文来自微信公众号：巴伦周刊 （ID：barronschina），作者：卡尔顿·英格里希、安德鲁·韦尔奇，编辑：郭力群，题图来自：视觉中国总部设在旧金山的第一共和银行（FRC）的股价在4月25日暴跌49%，至8.10美元，触及历史新低，今年迄今为止已经下跌了93%，其他地区性银行也受到拖累，但没有出现直线下跌的情况，这表明投资者并不担心更广泛的传染风险。 股价暴跌导火索是第一共和银行周一盘后公布的一季度财报。财报显示，第一季度该行存款骤减41%，至1045亿美元，比上季度减少了720亿美元。如果没有摩根大通（JPMorgan Chase）和美国银行（Bank of America）等大型银行注入的300亿美元存款，情况会更糟。彭博社调查的分析师之前预计存款额为1370亿美元。 地区性银行Western Alliance Bancorp（WAL）4月25日收盘下跌5.6%，ZION Bancorp（ZIOn）和KeyCorp（KEY）跌幅均超过5%。交易所交易基金SPDR S&P Regional Banking（KRE）4月25日下跌了4.2%。 为了扭转局面，第一共和银行周一称计划裁员20%~25%，同时缩减资产负债表规模，但该行在与分析师召开的电话会议上没有回答任何问题，让华尔街感到不安。 晨星（Morningstar）分析师埃里克·康普顿（Eric Compton）对《巴伦周刊》说：“我看不到任何解决方案，裁员20%~25%你怎么增长？该行目前情况非常糟糕。” 高度个性化的财富管理服务是第一共和银行的核心产品，但在削减成本、失去顾问的情况下，很难提供这种服务。该行说，截至4月21日留住了近90%的理财顾问，离职的理财顾问管理的资产不到公司总资产的20%。 不过，关于理财顾问离职的消息一直都有，其中包括一个管理130亿美元资产的团队跳槽到芝加哥的Cresset Capital。还有一些顾问跳槽去了摩根士丹利（Morgan Stanley）、瑞银和加拿大皇家银行（Royal bank of Canada）。彭博社周二报道称，第一共和银行计划出售500亿至1000亿美元的资产，包括长期抵押贷款和证券，以缩小其资产负债表，并清理困扰该行的资产负债错配问题，有关该行资产负债表调整的更多细节由此浮出水面。随着利率的快速上升，该行面临存款利率高于贷款利率的压力。 第一共和银行对此不予置评。 第一共和银行面临的压力给其他地区性银行股造成拖累。华尔街普遍认为，虽然利率上升扩大了存贷款息差，但这种利好只会在一定程度上起作用，如果利率过高，银行将面临向储户支付更多利息的额外压力。 这会缩小银行从贷款中赚取的利润空间。这种压力可能已经基本反映在了股价上。SPDR S&P Regional Banking（KRE）今年已经下跌了30%，SPDR S&P Bank ETF（KBE）下跌了22%。不过，分析师并不太担心第一共和银行的问题会蔓延到其他地区性银行。 富国银行（Wells Fargo）分析师贾里德·肖（Jared Shaw）对《巴伦周刊》说：“这并不表明中型银行受到了更广泛的影响。”他指出，第一共和银行和硅谷银行之所以陷入困境，是因为它们的存款基础极其集中。“虽然3月份发生了那么多事，但目前我们讨论的只是第一共和银行，该行正在经历一段艰难时期，我们不必担心更广泛的银行。”其他银行显示出了韧性。最近波动较大的银行股之一PacWest Bancorp（PACW）的股价在周二盘后交易中上涨了24%，此前该行称，过去几周其存款余额增加了18亿美元。另一只波动较大的银行股Western Alliance（WAL）上周公布了财报，称自3月20日以来存款流入30亿美元，该行股价在财报公布后上涨超过20%。其他银行公布的存款趋势均符合分析师的预期。 与此同时，大型银行的财报给华尔街留下了深刻印象，部分原因是多样化客户基础和多样化收入来源带来的好处。充满挑战的宏观经济环境损害了大型银行的投行业务收入，但提高了它们的净利息收入（NII）。 摩根大通（JPMorgan Chase）第一季度营收达到创纪录的383亿美元，投资银行业务营收下降24%，但NII增长了49%。 大型银行也是风暴中的“避风港”，因为小银行的客户担心自己的资金不安全，纷纷将资产转移到更大的银行。摩根大通首席财务官杰里米·巴纳姆（Jeremy Barnum）本月在与分析师召开的电话会议上表示，由于这些存款很快流入了规模更大的银行，这意味着这部分存款“很不稳定”，因此这些存款还能留在大银行多久还有待观察。 现在的另一个问题是，第一共和银行能够在多长时间里留住存款，大型银行向该行注资时承诺把自己的存款保留在第一共和银行至少120天，即从3月中旬开始一直到7月中旬，之后存款还能留多久对于第一共和银行的业务和股票来说是一个关键问题。 目前，华尔街将希望寄托于大型银行。 （本文内容仅供参考，不构成任何形式的投资和金融建议；市场有风险，投资须谨慎。）本文来自微信公众号：巴伦周刊 （ID：barronschina），作者：卡尔顿·英格里希、安德鲁·韦尔奇，编辑：郭力群","news_type":1},"isVote":1,"tweetType":1,"viewCount":276,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9944581970,"gmtCreate":1681915267190,"gmtModify":1681915268884,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$&nbsp;</a>","listText":"<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$&nbsp;</a>","text":"$Tesla Motors(TSLA)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9944581970","isVote":1,"tweetType":1,"viewCount":374,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9948644355,"gmtCreate":1680705547878,"gmtModify":1680705551714,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"But stock price down... &nbsp;sad!","listText":"But stock price down... &nbsp;sad!","text":"But stock price down... sad!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9948644355","repostId":"2325628213","repostType":2,"repost":{"id":"2325628213","weMediaInfo":{"introduction":"蔚来官方公众账号","home_visible":1,"media_name":"蔚来","id":"1061141779","head_image":"https://static.tigerbbs.com/133b69a65bfa469bb9e30bf23615234b"},"pubTimestamp":1680694680,"share":"https://ttm.financial/m/news/2325628213?lang=&edition=fundamental","pubTime":"2023-04-05 19:38","market":"hk","language":"zh","title":"蔚来ET7斩获荷兰2023最佳电动汽车大奖","url":"https://stock-news.laohu8.com/highlight/detail?id=2325628213","media":"蔚来","summary":"2023年4月3日，荷兰和比利时最大的电动出行平台e-Drivers.com将蔚来ET7评选为“2023年度最佳电动汽车”。ET7不仅在“豪华级”类别中轻松获胜，并且荣膺总冠军。ET7在豪华类别和整体评选中荣获冠军。ET7不仅在 e-Drivers.com平台的所有访客中备受赞誉，近期也在荷兰商业车主协会组织的评选中，被专业评委会评为“2023年度最具潜力车型”。","content":"<html><body><div><p powered-by=\"xiumi.us\"><span>2023年4月3日，荷兰和比利时最大的电动出行平台 <span>e-Drivers.com </span>将<a href=\"https://laohu8.com/S/NIO\">蔚来</a>ET7评选为<strong>“2023年度最佳电动汽车”</strong>。ET7不仅在“<a href=\"https://laohu8.com/S/DLX\">豪华</a>级”类别中轻松获胜，并且荣膺总冠军。</span></p><p><img src=\"https://static.tigerbbs.com/82d5d9fa167c4039b2a2ff573f9846ba\" width=\"100%\"/></p><p><span>与大多数评选活动不同的是，e-Drivers.com 的评选结果，均由电动车用户投票产生。今年的评选，平台提名了25款最近推出的车型，分为紧凑型、中级和豪华级。ET7在豪华类别和整体评选中荣获冠军。</span></p><p><span>参与投票的用户们表达了对ET7的高度认可，他们认为ET7拥有“令人惊叹的外观设计”，以及“顶级的换电服务”，是一款具有“开创性”意义的电动汽车。</span></p><p><img src=\"https://static.tigerbbs.com/6bf3e0b74d5e4c1b8a5aa6a2f18d60b8\" width=\"100%\"/></p><p><span>ET7不仅在 <span>e-Drivers.com</span> 平台的所有访客中备受赞誉，近期也在荷兰商业车主协会（VZR）组织的评选中，被专业评委会评为<strong>“2023年度最具潜力车型”</strong>。ET7的<strong>驾驶操控</strong><strong>、技术和创新的换电模式</strong>都给评委会留下了深刻印象。</span></p><p><img src=\"https://static.tigerbbs.com/e5d8676f282c4bcf825cc821705be21f\" width=\"100%\"/></p><p><span>自开启欧洲交付以来，ET7已连续斩获各国权威大奖，我们也将持续把更多产品和服务带给欧洲的朋友们，创造更多愉悦体验。</span></p><p><img src=\"https://static.tigerbbs.com/731e8c75388842c28bbe718ff4fb4c7b\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/04ab6942ceed4a8493a1750f6b149f1f\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/63c7d5c3c9bf442c9b585299952b6e33\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/de3300aa8643427788ad5e4014697d3e\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/a433548a0839435892ae0ae80d21735e\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/dbcc1baeef1c4b7780fb4d31036af7d4\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/31ce48080fa54ca3a3206cef9ac5fe60\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/38f90b9f051b418aa1050bcaa3185b5b\" width=\"100%\"/></p></div>\n<br/>\n文章原文\n<br/>\n<img height=\"1px\" src=\"https://static.tigerbbs.com/ca20b535c2a14d1580668838a18ba704\" width=\"1px\"/>\n</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>蔚来ET7斩获荷兰2023最佳电动汽车大奖</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\">\n蔚来ET7斩获荷兰2023最佳电动汽车大奖\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1061141779\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/133b69a65bfa469bb9e30bf23615234b);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">蔚来 </p>\n<p class=\"h-time\">2023-04-05 19:38</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><body><div><p powered-by=\"xiumi.us\"><span>2023年4月3日，荷兰和比利时最大的电动出行平台 <span>e-Drivers.com </span>将<a href=\"https://laohu8.com/S/NIO\">蔚来</a>ET7评选为<strong>“2023年度最佳电动汽车”</strong>。ET7不仅在“<a href=\"https://laohu8.com/S/DLX\">豪华</a>级”类别中轻松获胜，并且荣膺总冠军。</span></p><p><img src=\"https://static.tigerbbs.com/82d5d9fa167c4039b2a2ff573f9846ba\" width=\"100%\"/></p><p><span>与大多数评选活动不同的是，e-Drivers.com 的评选结果，均由电动车用户投票产生。今年的评选，平台提名了25款最近推出的车型，分为紧凑型、中级和豪华级。ET7在豪华类别和整体评选中荣获冠军。</span></p><p><span>参与投票的用户们表达了对ET7的高度认可，他们认为ET7拥有“令人惊叹的外观设计”，以及“顶级的换电服务”，是一款具有“开创性”意义的电动汽车。</span></p><p><img src=\"https://static.tigerbbs.com/6bf3e0b74d5e4c1b8a5aa6a2f18d60b8\" width=\"100%\"/></p><p><span>ET7不仅在 <span>e-Drivers.com</span> 平台的所有访客中备受赞誉，近期也在荷兰商业车主协会（VZR）组织的评选中，被专业评委会评为<strong>“2023年度最具潜力车型”</strong>。ET7的<strong>驾驶操控</strong><strong>、技术和创新的换电模式</strong>都给评委会留下了深刻印象。</span></p><p><img src=\"https://static.tigerbbs.com/e5d8676f282c4bcf825cc821705be21f\" width=\"100%\"/></p><p><span>自开启欧洲交付以来，ET7已连续斩获各国权威大奖，我们也将持续把更多产品和服务带给欧洲的朋友们，创造更多愉悦体验。</span></p><p><img src=\"https://static.tigerbbs.com/731e8c75388842c28bbe718ff4fb4c7b\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/04ab6942ceed4a8493a1750f6b149f1f\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/63c7d5c3c9bf442c9b585299952b6e33\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/de3300aa8643427788ad5e4014697d3e\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/a433548a0839435892ae0ae80d21735e\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/dbcc1baeef1c4b7780fb4d31036af7d4\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/31ce48080fa54ca3a3206cef9ac5fe60\" width=\"100%\"/></p><p><img src=\"https://static.tigerbbs.com/38f90b9f051b418aa1050bcaa3185b5b\" width=\"100%\"/></p></div>\n<br/>\n文章原文\n<br/>\n<img height=\"1px\" src=\"https://static.tigerbbs.com/ca20b535c2a14d1580668838a18ba704\" width=\"1px\"/>\n</body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4505":"高瓴资本持仓","09866":"蔚来-SW","LU0708995583.HKD":"TEMPLETON CHINA \"A\" (HKD) ACC","BK4581":"高盛持仓","BK4504":"桥水持仓","BK4099":"汽车制造商","BK4548":"巴美列捷福持仓","BK4532":"文艺复兴科技持仓","BK4531":"中概回港概念","BK4534":"瑞士信贷持仓","BK4585":"ETF&股票定投概念","NIO":"蔚来","BK4555":"新能源车","BK1588":"回港中概股","BK4509":"腾讯概念","LU0052750758.USD":"富兰克林中国基金A Acc","EVS.SI":"MSCI China Electric Vehicles and Future Mobility ETF-NikkoAM","LU0320764599.SGD":"FTIF - Templeton China A Acc SGD","NIO.SI":"蔚来","BK4588":"碎股","BK4526":"热门中概股","BK1119":"汽车制造商","BK4574":"无人驾驶"},"source_url":"http://www.jintiankansha.me/t/LHWEcbYoiy","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2325628213","content_text":"2023年4月3日，荷兰和比利时最大的电动出行平台 e-Drivers.com 将蔚来ET7评选为“2023年度最佳电动汽车”。ET7不仅在“豪华级”类别中轻松获胜，并且荣膺总冠军。与大多数评选活动不同的是，e-Drivers.com 的评选结果，均由电动车用户投票产生。今年的评选，平台提名了25款最近推出的车型，分为紧凑型、中级和豪华级。ET7在豪华类别和整体评选中荣获冠军。参与投票的用户们表达了对ET7的高度认可，他们认为ET7拥有“令人惊叹的外观设计”，以及“顶级的换电服务”，是一款具有“开创性”意义的电动汽车。ET7不仅在 e-Drivers.com 平台的所有访客中备受赞誉，近期也在荷兰商业车主协会（VZR）组织的评选中，被专业评委会评为“2023年度最具潜力车型”。ET7的驾驶操控、技术和创新的换电模式都给评委会留下了深刻印象。自开启欧洲交付以来，ET7已连续斩获各国权威大奖，我们也将持续把更多产品和服务带给欧洲的朋友们，创造更多愉悦体验。\n\n文章原文","news_type":1},"isVote":1,"tweetType":1,"viewCount":210,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":9061764354,"gmtCreate":1651679184096,"gmtModify":1676534948303,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a>when will the short squeeze begin?🤔 Hammering Sofi down? But U can't do that for long! This upcoming earning call on 10th May should be a good strong one! Come on Sofi! Do us proud!!!💪🌈🚀","listText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a>when will the short squeeze begin?🤔 Hammering Sofi down? But U can't do that for long! This upcoming earning call on 10th May should be a good strong one! Come on Sofi! Do us proud!!!💪🌈🚀","text":"$SoFi Technologies Inc.(SOFI)$when will the short squeeze begin?🤔 Hammering Sofi down? But U can't do that for long! This upcoming earning call on 10th May should be a good strong one! Come on Sofi! Do us proud!!!💪🌈🚀","images":[{"img":"https://community-static.tradeup.com/news/a2a70fe5ee8bfe98f5d5076ca00029d7","width":"1125","height":"3701"}],"top":1,"highlighted":2,"essential":1,"paper":1,"likeSize":75,"commentSize":0,"repostSize":2,"link":"https://ttm.financial/post/9061764354","isVote":1,"tweetType":1,"viewCount":2209,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3560280328484327","authorId":"3560280328484327","name":"McGreedy","avatar":"https://static.tigerbbs.com/96af4bcc46326043bb64926e01f6724c","crmLevel":1,"crmLevelSwitch":1,"idStr":"3560280328484327","authorIdStr":"3560280328484327"},"content":"wonderful e la","text":"wonderful e la","html":"wonderful e la"}],"imageCount":1,"langContent":"EN","totalScore":0},{"id":9086309195,"gmtCreate":1650413487754,"gmtModify":1676534717364,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Is this stock worth to enter n keep for the upwards trend? Pills are looking more promising than vaccines recently... Please share your thoughts. Thank you!","listText":"Is this stock worth to enter n keep for the upwards trend? Pills are looking more promising than vaccines recently... Please share your thoughts. Thank you!","text":"Is this stock worth to enter n keep for the upwards trend? Pills are looking more promising than vaccines recently... Please share your thoughts. Thank you!","images":[{"img":"https://community-static.tradeup.com/news/fbd8985283f0c977e2f25bf032992147","width":"1170","height":"2532"}],"top":1,"highlighted":2,"essential":1,"paper":1,"likeSize":80,"commentSize":0,"repostSize":2,"link":"https://ttm.financial/post/9086309195","isVote":1,"tweetType":1,"viewCount":2743,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3582668988155006","authorId":"3582668988155006","name":"MengKeng","avatar":"https://static.tigerbbs.com/daf999525f61ba41d3c13b0ed728eb77","crmLevel":4,"crmLevelSwitch":0,"idStr":"3582668988155006","authorIdStr":"3582668988155006"},"content":"there a lot of Covid pills nowadays, you have to choose bigger companies or will have to make a gamble for those niche ones","text":"there a lot of Covid pills nowadays, you have to choose bigger companies or will have to make a gamble for those niche ones","html":"there a lot of Covid pills nowadays, you have to choose bigger companies or will have to make a gamble for those niche ones"}],"imageCount":1,"langContent":"EN","totalScore":0},{"id":9085395216,"gmtCreate":1650641147447,"gmtModify":1676534769569,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a>If only there are not so much hardcore shorters.... Why so much dumping on Sofi when this is a good potential stock to keep? Short Sell is quick bucks for some But the faith is there for me. Let's see till end of year 2022 n where this Sofi goes! Hope that Sofi won't fail those that keep faith with it till now....💪🌈","listText":"<a href=\"https://ttm.financial/S/SOFI\">$SoFi Technologies Inc.(SOFI)$</a>If only there are not so much hardcore shorters.... Why so much dumping on Sofi when this is a good potential stock to keep? Short Sell is quick bucks for some But the faith is there for me. Let's see till end of year 2022 n where this Sofi goes! Hope that Sofi won't fail those that keep faith with it till now....💪🌈","text":"$SoFi Technologies Inc.(SOFI)$If only there are not so much hardcore shorters.... Why so much dumping on Sofi when this is a good potential stock to keep? Short Sell is quick bucks for some But the faith is there for me. Let's see till end of year 2022 n where this Sofi goes! Hope that Sofi won't fail those that keep faith with it till now....💪🌈","images":[{"img":"https://community-static.tradeup.com/news/80f87b2682eeb6c0cf61ae50cbf83098","width":"1125","height":"2702"}],"top":1,"highlighted":2,"essential":1,"paper":1,"likeSize":32,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9085395216","isVote":1,"tweetType":1,"viewCount":953,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3579574135370824","authorId":"3579574135370824","name":"janelie","avatar":"https://static.tigerbbs.com/f929201b4c664d977cd55eb2e9c16841","crmLevel":3,"crmLevelSwitch":0,"idStr":"3579574135370824","authorIdStr":"3579574135370824"},"content":"agree. hopefully it's worth the wait. HODL!","text":"agree. hopefully it's worth the wait. HODL!","html":"agree. hopefully it's worth the wait. HODL!"}],"imageCount":1,"langContent":"EN","totalScore":0},{"id":9992329988,"gmtCreate":1661265462746,"gmtModify":1676536485440,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$</a>Don't make me lose all the faith &amp; hope in U! Tiger is time to wake upn behave like one! Soon the earning call will come by after Futu.... &nbsp;Hope that it will be a good one&nbsp;to boost up the moral!🙏🙏🙏","listText":"<a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$</a>Don't make me lose all the faith &amp; hope in U! Tiger is time to wake upn behave like one! Soon the earning call will come by after Futu.... &nbsp;Hope that it will be a good one&nbsp;to boost up the moral!🙏🙏🙏","text":"$Tiger Brokers(TIGR)$Don't make me lose all the faith & hope in U! Tiger is time to wake upn behave like one! Soon the earning call will come by after Futu.... Hope that it will be a good one to boost up the moral!🙏🙏🙏","images":[{"img":"https://community-static.tradeup.com/news/945f34e66722189302cd3dd43921c659","width":"1170","height":"2292"}],"top":1,"highlighted":2,"essential":1,"paper":1,"likeSize":21,"commentSize":0,"repostSize":1,"link":"https://ttm.financial/post/9992329988","isVote":1,"tweetType":1,"viewCount":1037,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"4098084219326670","authorId":"4098084219326670","name":"Road1Warrior","avatar":"https://community-static.tradeup.com/news/444bc0aeceab5292f15cd24cd37ab6c3","crmLevel":4,"crmLevelSwitch":1,"idStr":"4098084219326670","authorIdStr":"4098084219326670"},"content":"trust no one ya?","text":"trust no one ya?","html":"trust no one ya?"}],"imageCount":1,"langContent":"EN","totalScore":0},{"id":259517011091472,"gmtCreate":1704369157966,"gmtModify":1704369162003,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Perito Must be a new shorter on board! U think this type of news will affect those holding long? I trust sofi more than U!🤬&nbsp;","listText":"Perito Must be a new shorter on board! U think this type of news will affect those holding long? I trust sofi more than U!🤬&nbsp;","text":"Perito Must be a new shorter on board! U think this type of news will affect those holding long? I trust sofi more than U!🤬","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/259517011091472","repostId":"2400876654","repostType":2,"repost":{"id":"2400876654","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1704326318,"share":"https://ttm.financial/m/news/2400876654?lang=&edition=fundamental","pubTime":"2024-01-04 07:58","market":"us","language":"en","title":"SoFi's Stock Could Follow Record Year With a Sharp Plunge, This New Bear Warns","url":"https://stock-news.laohu8.com/highlight/detail?id=2400876654","media":"Dow Jones","summary":"$SoFi Technologies Inc.(SOFI)$ shares more than doubled last year in what was their best annual performance since the financial-technology company went public in 2021. But one analyst worries that mom","content":"<html><head></head><body><p><a href=\"https://laohu8.com/S/SOFI\">SoFi Technologies Inc.</a> shares more than doubled last year in what was their best annual performance since the financial-technology company went public in 2021. But one analyst worries that momentum won&#39;t carry into 2024.</p><p>Keefe, Bruyette &amp; Woods&#39; Mike Perito downgraded SoFi shares (SOFI) to underperform from market perform, warning of a &#34;premium&#34; valuation and potential pressure stemming from lower interest rates. He cut his price target to $6.50 from $7.50, with the new target implying 33% downside relative to Tuesday&#39;s close.</p><p>Shares were off nearly 14% on Wednesday.</p><p>Perito noted that SoFi&#39;s stock got caught up in the relief rally following the Federal Reserve&#39;s mid-December signal of possible rate cuts in 2024, but he questioned whether that enthusiasm is warranted.</p><p>SoFi &#34;is actually at risk for down-earnings at least initially if rates come down materially due to [its] fair value accounting,&#34; he wrote. &#34;Longer term, the bank&#39;s cost of capital will reduce, and the ability to lower its deposit costs should accelerate in a lower-rate environment, but SOFI may also be forced by market forces to lower its coupon rate which could directly impact earnings negatively.&#34;</p><p>In his view, &#34;it would be difficult for SOFI to sustain personal loan originations near current levels without reducing its coupon rate in a scenario where the Fed cuts rate meaningfully given the competitive dynamics vs. credit-card companies, re-entrance of other competitors to the market, plus consumer expectations for lower debt yields.&#34; An acceleration in prepayment speeds represents another risk.</p><p>When Perito published his note to clients Tuesday afternoon, he assumed a $1.8 billion valuation for SoFi&#39;s technology business and said that the market was valuing the bank, which has about $30 billion in assets, at about $7.8 billion. For comparison, he pointed out that <a href=\"https://laohu8.com/S/ALLY\">Ally Financial Inc.</a> was valued near $11 billion, despite having about $200 billion in assets.</p><p>&#34;Growth rates are certainly different, although we fail to find an example of a premium-multiple consumer bank in the market today,&#34; Perito added.</p><p>He wrote that SoFi&#39;s stock remains &#34;polarizing,&#34; and while the company could be on the road to achieving and maintaining profitability, &#34;there are more downside scenarios to this outcome than upside, which at a premium valuation shifts us to a more cautious stance.&#34;</p><p>The stock was trading at almost 28 times 2024 estimates for earnings before interest, taxes, depreciation and amortization as of the publication of his report, seemingly &#34;one of the highest valuations for any balance sheet financial in the KBW coverage universe.&#34;</p><p>Other financial-technology names were dropping as well Wednesday, with Upstart Holdings Inc.&#39;s stock <a href=\"https://laohu8.com/S/UPST\">$(UPST)$</a> down more than 10% and Affirm Holdings Inc.&#39;s stock <a href=\"https://laohu8.com/S/AFRM\">$(AFRM)$</a> off 6%.</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's Stock Could Follow Record Year With a Sharp Plunge, This New Bear Warns</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's Stock Could Follow Record Year With a Sharp Plunge, This New Bear Warns\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2024-01-04 07:58</p>\n</div>\n\n</div>\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 more than doubled last year in what was their best annual performance since the financial-technology company went public in 2021. But one analyst worries that momentum won&#39;t carry into 2024.</p><p>Keefe, Bruyette &amp; Woods&#39; Mike Perito downgraded SoFi shares (SOFI) to underperform from market perform, warning of a &#34;premium&#34; valuation and potential pressure stemming from lower interest rates. He cut his price target to $6.50 from $7.50, with the new target implying 33% downside relative to Tuesday&#39;s close.</p><p>Shares were off nearly 14% on Wednesday.</p><p>Perito noted that SoFi&#39;s stock got caught up in the relief rally following the Federal Reserve&#39;s mid-December signal of possible rate cuts in 2024, but he questioned whether that enthusiasm is warranted.</p><p>SoFi &#34;is actually at risk for down-earnings at least initially if rates come down materially due to [its] fair value accounting,&#34; he wrote. &#34;Longer term, the bank&#39;s cost of capital will reduce, and the ability to lower its deposit costs should accelerate in a lower-rate environment, but SOFI may also be forced by market forces to lower its coupon rate which could directly impact earnings negatively.&#34;</p><p>In his view, &#34;it would be difficult for SOFI to sustain personal loan originations near current levels without reducing its coupon rate in a scenario where the Fed cuts rate meaningfully given the competitive dynamics vs. credit-card companies, re-entrance of other competitors to the market, plus consumer expectations for lower debt yields.&#34; An acceleration in prepayment speeds represents another risk.</p><p>When Perito published his note to clients Tuesday afternoon, he assumed a $1.8 billion valuation for SoFi&#39;s technology business and said that the market was valuing the bank, which has about $30 billion in assets, at about $7.8 billion. For comparison, he pointed out that <a href=\"https://laohu8.com/S/ALLY\">Ally Financial Inc.</a> was valued near $11 billion, despite having about $200 billion in assets.</p><p>&#34;Growth rates are certainly different, although we fail to find an example of a premium-multiple consumer bank in the market today,&#34; Perito added.</p><p>He wrote that SoFi&#39;s stock remains &#34;polarizing,&#34; and while the company could be on the road to achieving and maintaining profitability, &#34;there are more downside scenarios to this outcome than upside, which at a premium valuation shifts us to a more cautious stance.&#34;</p><p>The stock was trading at almost 28 times 2024 estimates for earnings before interest, taxes, depreciation and amortization as of the publication of his report, seemingly &#34;one of the highest valuations for any balance sheet financial in the KBW coverage universe.&#34;</p><p>Other financial-technology names were dropping as well Wednesday, with Upstart Holdings Inc.&#39;s stock <a href=\"https://laohu8.com/S/UPST\">$(UPST)$</a> down more than 10% and Affirm Holdings Inc.&#39;s stock <a href=\"https://laohu8.com/S/AFRM\">$(AFRM)$</a> off 6%.</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4588":"碎股","BK4227":"交易和支付处理服务","SOFI":"SoFi Technologies Inc.","BK4106":"数据处理与外包服务","BK4549":"软银资本持仓","BK4535":"淡马锡持仓","BK4548":"巴美列捷福持仓","BK4551":"寇图资本持仓","BK4561":"索罗斯持仓","BK4585":"ETF&股票定投概念"},"source_url":"https://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2400876654","content_text":"SoFi Technologies Inc. shares more than doubled last year in what was their best annual performance since the financial-technology company went public in 2021. But one analyst worries that momentum won't carry into 2024.Keefe, Bruyette & Woods' Mike Perito downgraded SoFi shares (SOFI) to underperform from market perform, warning of a \"premium\" valuation and potential pressure stemming from lower interest rates. He cut his price target to $6.50 from $7.50, with the new target implying 33% downside relative to Tuesday's close.Shares were off nearly 14% on Wednesday.Perito noted that SoFi's stock got caught up in the relief rally following the Federal Reserve's mid-December signal of possible rate cuts in 2024, but he questioned whether that enthusiasm is warranted.SoFi \"is actually at risk for down-earnings at least initially if rates come down materially due to [its] fair value accounting,\" he wrote. \"Longer term, the bank's cost of capital will reduce, and the ability to lower its deposit costs should accelerate in a lower-rate environment, but SOFI may also be forced by market forces to lower its coupon rate which could directly impact earnings negatively.\"In his view, \"it would be difficult for SOFI to sustain personal loan originations near current levels without reducing its coupon rate in a scenario where the Fed cuts rate meaningfully given the competitive dynamics vs. credit-card companies, re-entrance of other competitors to the market, plus consumer expectations for lower debt yields.\" An acceleration in prepayment speeds represents another risk.When Perito published his note to clients Tuesday afternoon, he assumed a $1.8 billion valuation for SoFi's technology business and said that the market was valuing the bank, which has about $30 billion in assets, at about $7.8 billion. For comparison, he pointed out that Ally Financial Inc. was valued near $11 billion, despite having about $200 billion in assets.\"Growth rates are certainly different, although we fail to find an example of a premium-multiple consumer bank in the market today,\" Perito added.He wrote that SoFi's stock remains \"polarizing,\" and while the company could be on the road to achieving and maintaining profitability, \"there are more downside scenarios to this outcome than upside, which at a premium valuation shifts us to a more cautious stance.\"The stock was trading at almost 28 times 2024 estimates for earnings before interest, taxes, depreciation and amortization as of the publication of his report, seemingly \"one of the highest valuations for any balance sheet financial in the KBW coverage universe.\"Other financial-technology names were dropping as well Wednesday, with Upstart Holdings Inc.'s stock $(UPST)$ down more than 10% and Affirm Holdings Inc.'s stock $(AFRM)$ off 6%.","news_type":1},"isVote":1,"tweetType":1,"viewCount":324,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":269023337959672,"gmtCreate":1706714191943,"gmtModify":1706714196753,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Waiting to enter!😆","listText":"Waiting to enter!😆","text":"Waiting to enter!😆","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/269023337959672","repostId":"1105317552","repostType":2,"repost":{"id":"1105317552","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":1706629600,"share":"https://ttm.financial/m/news/1105317552?lang=&edition=fundamental","pubTime":"2024-01-30 23:46","market":"us","language":"en","title":"Apple Stock Drops Over 1% As Analyst Says 2024 iPhone Shipments Likely to Decline Significantly By About 15% YoY","url":"https://stock-news.laohu8.com/highlight/detail?id=1105317552","media":"Tiger Newspress","summary":"Apple stock dropped 1.4% in morning trading as Ming-Chi Kuo, a senior analyst for Apple, said 2024 iPhone shipments are likely to decline significantly by about 15% YoY.Here is the full text of his re","content":"<html><head></head><body><p>Apple stock dropped 1.4% in morning trading as Ming-Chi Kuo, a senior analyst for Apple, said 2024 iPhone shipments are likely to decline significantly by about 15% YoY.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/e70e9738b3e18022f95f274a58f666b7\" tg-width=\"841\" tg-height=\"620\"/></p><p>Here is the full text of his report:</p><p><strong>2024 iPhone shipments likely to decline significantly by about 15% YoY due to structural challenges / iPhone 2024</strong></p><ol start=\"1\" style=\"\"><li><p>My latest supply chain survey indicates that Apple has lowered its 2024 iPhone shipments of key upstream semiconductor components to about 200 million units (down 15% YoY). Apple may have the most significant decline among the major global mobile phone brands in 2024.</p></li><li><p>iPhone 15 series and new iPhone 16 series shipments will decline by 10–15% YoY in 1H24 and 2H24, respectively (compared to iPhone 14 series shipments in 1H23 and iPhone 15 series shipments in 2H23, respectively).</p></li><li><p>The iPhone faces structural challenges that will lead to a significant decline in shipments in 2024, including the emergence of a new paradigm in high-end mobile phone design and the continued decline in shipments in the Chinese market.</p></li><li><p>The new high-end mobile phone design paradigm includes AI (GenAI) and foldable phones. The main reason for the decline in the Chinese market is the return of Huawei and the increasing preference for foldable phones among high-end users as their first choice for phone replacement.</p></li><li><p>Benefiting from the higher-than-expected demand due to the high integration of GenAI functions, Samsung has revised up the shipments of the Galaxy S24 series in 2024 by 5–10%, while Apple has revised down the shipment forecast of iPhone 15 in 1H24.</p></li><li><p>Apple’s weekly shipments in China have declined by 30–40% YoY in recent weeks, and this downward trend is expected to continue. The main reason for the decline is the return of Huawei and the fact that foldable phones have gradually become the first choice for high-end users in the Chinese market.</p></li><li><p>It is expected that Apple will not launch new iPhone models with significant design changes and the more comprehensive/differentiated GenAI ecosystem/applications until 2025 at the earliest. Until then, it will likely harm Apple’s iPhone shipment momentum and ecosystem growth.</p></li></ol></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>Apple Stock Drops Over 1% As Analyst Says 2024 iPhone Shipments Likely to Decline Significantly By About 15% YoY</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\">\nApple Stock Drops Over 1% As Analyst Says 2024 iPhone Shipments Likely to Decline Significantly By About 15% YoY\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\">2024-01-30 23:46</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>Apple stock dropped 1.4% in morning trading as Ming-Chi Kuo, a senior analyst for Apple, said 2024 iPhone shipments are likely to decline significantly by about 15% YoY.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/e70e9738b3e18022f95f274a58f666b7\" tg-width=\"841\" tg-height=\"620\"/></p><p>Here is the full text of his report:</p><p><strong>2024 iPhone shipments likely to decline significantly by about 15% YoY due to structural challenges / iPhone 2024</strong></p><ol start=\"1\" style=\"\"><li><p>My latest supply chain survey indicates that Apple has lowered its 2024 iPhone shipments of key upstream semiconductor components to about 200 million units (down 15% YoY). Apple may have the most significant decline among the major global mobile phone brands in 2024.</p></li><li><p>iPhone 15 series and new iPhone 16 series shipments will decline by 10–15% YoY in 1H24 and 2H24, respectively (compared to iPhone 14 series shipments in 1H23 and iPhone 15 series shipments in 2H23, respectively).</p></li><li><p>The iPhone faces structural challenges that will lead to a significant decline in shipments in 2024, including the emergence of a new paradigm in high-end mobile phone design and the continued decline in shipments in the Chinese market.</p></li><li><p>The new high-end mobile phone design paradigm includes AI (GenAI) and foldable phones. The main reason for the decline in the Chinese market is the return of Huawei and the increasing preference for foldable phones among high-end users as their first choice for phone replacement.</p></li><li><p>Benefiting from the higher-than-expected demand due to the high integration of GenAI functions, Samsung has revised up the shipments of the Galaxy S24 series in 2024 by 5–10%, while Apple has revised down the shipment forecast of iPhone 15 in 1H24.</p></li><li><p>Apple’s weekly shipments in China have declined by 30–40% YoY in recent weeks, and this downward trend is expected to continue. The main reason for the decline is the return of Huawei and the fact that foldable phones have gradually become the first choice for high-end users in the Chinese market.</p></li><li><p>It is expected that Apple will not launch new iPhone models with significant design changes and the more comprehensive/differentiated GenAI ecosystem/applications until 2025 at the earliest. Until then, it will likely harm Apple’s iPhone shipment momentum and ecosystem growth.</p></li></ol></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AAPL":"苹果"},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1105317552","content_text":"Apple stock dropped 1.4% in morning trading as Ming-Chi Kuo, a senior analyst for Apple, said 2024 iPhone shipments are likely to decline significantly by about 15% YoY.Here is the full text of his report:2024 iPhone shipments likely to decline significantly by about 15% YoY due to structural challenges / iPhone 2024My latest supply chain survey indicates that Apple has lowered its 2024 iPhone shipments of key upstream semiconductor components to about 200 million units (down 15% YoY). Apple may have the most significant decline among the major global mobile phone brands in 2024.iPhone 15 series and new iPhone 16 series shipments will decline by 10–15% YoY in 1H24 and 2H24, respectively (compared to iPhone 14 series shipments in 1H23 and iPhone 15 series shipments in 2H23, respectively).The iPhone faces structural challenges that will lead to a significant decline in shipments in 2024, including the emergence of a new paradigm in high-end mobile phone design and the continued decline in shipments in the Chinese market.The new high-end mobile phone design paradigm includes AI (GenAI) and foldable phones. The main reason for the decline in the Chinese market is the return of Huawei and the increasing preference for foldable phones among high-end users as their first choice for phone replacement.Benefiting from the higher-than-expected demand due to the high integration of GenAI functions, Samsung has revised up the shipments of the Galaxy S24 series in 2024 by 5–10%, while Apple has revised down the shipment forecast of iPhone 15 in 1H24.Apple’s weekly shipments in China have declined by 30–40% YoY in recent weeks, and this downward trend is expected to continue. The main reason for the decline is the return of Huawei and the fact that foldable phones have gradually become the first choice for high-end users in the Chinese market.It is expected that Apple will not launch new iPhone models with significant design changes and the more comprehensive/differentiated GenAI ecosystem/applications until 2025 at the earliest. Until then, it will likely harm Apple’s iPhone shipment momentum and ecosystem growth.","news_type":1},"isVote":1,"tweetType":1,"viewCount":359,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9956560374,"gmtCreate":1674057049798,"gmtModify":1676538921307,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Ops!&nbsp;That's why green for the past few days?","listText":"Ops!&nbsp;That's why green for the past few days?","text":"Ops! That's why green for the past few days?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":9,"commentSize":2,"repostSize":0,"link":"https://ttm.financial/post/9956560374","repostId":"1175970653","repostType":2,"repost":{"id":"1175970653","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":1674055964,"share":"https://ttm.financial/m/news/1175970653?lang=&edition=fundamental","pubTime":"2023-01-18 23:32","market":"us","language":"en","title":"Federal Reserve Chairman Jerome Powell Tests Positive for Covid","url":"https://stock-news.laohu8.com/highlight/detail?id=1175970653","media":"Tiger Newspress","summary":"Federal Reserve Chairman Jerome Powell has tested positive for Covid-19, the central bank announced ","content":"<html><head></head><body><p>Federal Reserve Chairman Jerome Powell has tested positive for Covid-19, the central bank announced Wednesday morning.</p><p>Powell is experiencing &#34;mild symptoms,&#34; according to the announcement.</p><p>&#34;Chair Powell is up to date with COVID-19 vaccines and boosters. Following Centers for Disease Control and Prevention guidance, he is working remotely while isolating at home,&#34; a news release said.</p><p>No further details were provided.</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>Federal Reserve Chairman Jerome Powell Tests Positive for Covid</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\">\nFederal Reserve Chairman Jerome Powell Tests Positive for Covid\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\">2023-01-18 23:32</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>Federal Reserve Chairman Jerome Powell has tested positive for Covid-19, the central bank announced Wednesday morning.</p><p>Powell is experiencing &#34;mild symptoms,&#34; according to the announcement.</p><p>&#34;Chair Powell is up to date with COVID-19 vaccines and boosters. Following Centers for Disease Control and Prevention guidance, he is working remotely while isolating at home,&#34; a news release said.</p><p>No further details were provided.</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".DJI":"道琼斯",".IXIC":"NASDAQ Composite",".SPX":"S&P 500 Index"},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1175970653","content_text":"Federal Reserve Chairman Jerome Powell has tested positive for Covid-19, the central bank announced Wednesday morning.Powell is experiencing \"mild symptoms,\" according to the announcement.\"Chair Powell is up to date with COVID-19 vaccines and boosters. Following Centers for Disease Control and Prevention guidance, he is working remotely while isolating at home,\" a news release said.No further details were provided.","news_type":1},"isVote":1,"tweetType":1,"viewCount":226,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9938951096,"gmtCreate":1662548418616,"gmtModify":1676537085570,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$</a>Extremely good platform for trading but stock price is a killer! Have been using TIGR for a year+ &amp; will continue touse it as a trading platform. Had been introducing to friends as well! Hope that Tiger will beback to its roaring days soon!🐯💪","listText":"<a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$</a>Extremely good platform for trading but stock price is a killer! Have been using TIGR for a year+ &amp; will continue touse it as a trading platform. Had been introducing to friends as well! Hope that Tiger will beback to its roaring days soon!🐯💪","text":"$Tiger Brokers(TIGR)$Extremely good platform for trading but stock price is a killer! Have been using TIGR for a year+ & will continue touse it as a trading platform. Had been introducing to friends as well! Hope that Tiger will beback to its roaring days soon!🐯💪","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":10,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/9938951096","isVote":1,"tweetType":1,"viewCount":828,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9094495673,"gmtCreate":1645199018820,"gmtModify":1676534008507,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Won't last long... just hit n run. Otherwise don't touch will be better.😅","listText":"Won't last long... just hit n run. Otherwise don't touch will be better.😅","text":"Won't last long... just hit n run. Otherwise don't touch will be better.😅","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":10,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9094495673","repostId":"1197876155","repostType":4,"repost":{"id":"1197876155","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":1645197621,"share":"https://ttm.financial/m/news/1197876155?lang=&edition=fundamental","pubTime":"2022-02-18 23:20","market":"us","language":"en","title":"Blue Water Vaccines Surged 364.44% in Its First Day of Trading","url":"https://stock-news.laohu8.com/highlight/detail?id=1197876155","media":"Tiger Newspress","summary":"Blue Water Vaccines surged 364.44% in its first day of trading.Blue Water Vaccines, Inc. , a biophar","content":"<html><head></head><body><p>Blue Water Vaccines surged 364.44% in its first day of trading.</p><p><img src=\"https://static.tigerbbs.com/702d2200844a133c27a77cab92a7fff0\" tg-width=\"1243\" tg-height=\"659\" width=\"100%\" height=\"auto\"/>Blue Water Vaccines, Inc. , a biopharmaceutical company developing vaccines, announced the pricing of its initial public offering of 2,222,222 shares of its common stock at a public offering price of $9.00 per share. The shares begin trading on the Nasdaq Capital Market under the ticker symbol &#34;BWV&#34; on Friday.</p><p>Blue Water Vaccines, Inc. is a biopharmaceutical company focused on developing transformational vaccines to address significant health challenges globally. Headquartered in Cincinnati, OH, the company holds the rights to proprietary technology developed at the University of Oxford, Cincinnati Children&#39;s Hospital Medical Center (CCHMC), and St. Jude Children&#39;s Hospital. </p><p>The company is developing a universal flu vaccine that will provide protection from all virulent strains and a <i>Streptococcus pneumoniae</i> (pneumococcus) vaccine candidate, designed to specifically prevent the highly infectious middle ear infections, known as Acute Otitis Media (AOM), in children. Additionally, Blue Water Vaccines has licensed a novel norovirus (NoV) S&amp;P nanoparticle versatile virus-like particle (VLP) vaccine platform from CCHMC to develop vaccines for multiple infectious diseases, including norovirus/rotavirus and malaria among others.</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>Blue Water Vaccines Surged 364.44% in Its First Day of 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\">\nBlue Water Vaccines Surged 364.44% in Its First Day of 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\">2022-02-18 23:20</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>Blue Water Vaccines surged 364.44% in its first day of trading.</p><p><img src=\"https://static.tigerbbs.com/702d2200844a133c27a77cab92a7fff0\" tg-width=\"1243\" tg-height=\"659\" width=\"100%\" height=\"auto\"/>Blue Water Vaccines, Inc. , a biopharmaceutical company developing vaccines, announced the pricing of its initial public offering of 2,222,222 shares of its common stock at a public offering price of $9.00 per share. The shares begin trading on the Nasdaq Capital Market under the ticker symbol &#34;BWV&#34; on Friday.</p><p>Blue Water Vaccines, Inc. is a biopharmaceutical company focused on developing transformational vaccines to address significant health challenges globally. Headquartered in Cincinnati, OH, the company holds the rights to proprietary technology developed at the University of Oxford, Cincinnati Children&#39;s Hospital Medical Center (CCHMC), and St. Jude Children&#39;s Hospital. </p><p>The company is developing a universal flu vaccine that will provide protection from all virulent strains and a <i>Streptococcus pneumoniae</i> (pneumococcus) vaccine candidate, designed to specifically prevent the highly infectious middle ear infections, known as Acute Otitis Media (AOM), in children. Additionally, Blue Water Vaccines has licensed a novel norovirus (NoV) S&amp;P nanoparticle versatile virus-like particle (VLP) vaccine platform from CCHMC to develop vaccines for multiple infectious diseases, including norovirus/rotavirus and malaria among others.</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1197876155","content_text":"Blue Water Vaccines surged 364.44% in its first day of trading.Blue Water Vaccines, Inc. , a biopharmaceutical company developing vaccines, announced the pricing of its initial public offering of 2,222,222 shares of its common stock at a public offering price of $9.00 per share. The shares begin trading on the Nasdaq Capital Market under the ticker symbol \"BWV\" on Friday.Blue Water Vaccines, Inc. is a biopharmaceutical company focused on developing transformational vaccines to address significant health challenges globally. Headquartered in Cincinnati, OH, the company holds the rights to proprietary technology developed at the University of Oxford, Cincinnati Children's Hospital Medical Center (CCHMC), and St. Jude Children's Hospital. The company is developing a universal flu vaccine that will provide protection from all virulent strains and a Streptococcus pneumoniae (pneumococcus) vaccine candidate, designed to specifically prevent the highly infectious middle ear infections, known as Acute Otitis Media (AOM), in children. Additionally, Blue Water Vaccines has licensed a novel norovirus (NoV) S&P nanoparticle versatile virus-like particle (VLP) vaccine platform from CCHMC to develop vaccines for multiple infectious diseases, including norovirus/rotavirus and malaria among others.","news_type":1},"isVote":1,"tweetType":1,"viewCount":121,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9036113796,"gmtCreate":1647010667312,"gmtModify":1676534187276,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"No use..... good earning result BUT stock prices kept going down. 😵‍💫","listText":"No use..... good earning result BUT stock prices kept going down. 😵‍💫","text":"No use..... good earning result BUT stock prices kept going down. 😵‍💫","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9036113796","repostId":"1195546343","repostType":2,"repost":{"id":"1195546343","pubTimestamp":1646384625,"share":"https://ttm.financial/m/news/1195546343?lang=&edition=fundamental","pubTime":"2022-03-04 17:03","market":"us","language":"en","title":"UP Fintech Holding Limited to Report Fourth Quarter 2021 Financial Results on March 18, 2022","url":"https://stock-news.laohu8.com/highlight/detail?id=1195546343","media":"globenewswire","summary":"SINGAPORE, March 04, 2022 (GLOBE NEWSWIRE) -- UP Fintech Holding Limited (“UP Fintech” or the “Compa","content":"<html><head></head><body><p>SINGAPORE, March 04, 2022 (GLOBE NEWSWIRE) -- UP Fintech Holding Limited (“UP Fintech” or the “Company”) (NASDAQ: TIGR), a leading online brokerage firm focusing on global investors, today announced that it will report its financial results for the fourth quarter ended December 31, 2021, before the U.S. market opens on March 18, 2022.</p><p>UP Fintech’s management will hold an earnings conference call at 8:00 AM on March 18, 2022, U.S. Eastern Time (8:00 PM on March 18, 2022 Singapore/Hong Kong Time).</p><p><b>Conference Call Information:</b></p><p>All participants wishing to attend the call must preregister online before they may receive the dial-in numbers. Preregistration may require a few minutes to complete.</p><p><b>Preregistration Information:</b></p><p>Participants may register for the conference call by navigating to:http://apac.directeventreg.com/registration/event/2848386</p><p>Once preregistration has been complete, participants will receive dial-in numbers, direct event passcode, and registrant id. The conference ID: is 2848386</p><p>To join the conference, simply dial the number in the calendar invite you receive after preregistering, enter the passcode followed by your PIN, and you will join the conference instantly.</p><p>A telephone replay of the call will be available after the conclusion of the conference call through March 25, 2022. Dial-in numbers for the replay are as follows:</p><p>International: +61 2 8199 0299</p><p>Passcode: 2848386</p><p>A live and archived webcast of the conference call will be available athttps://ir.itiger.com.</p><p><b>About UP Fintech Holding Limited</b></p><p>UP Fintech Holding Limited is a leading online brokerage firm focusing on global investors. The Company’s proprietary mobile and online trading platform enables investors to trade in equities and other financial instruments on multiple exchanges around the world. The Company offers innovative products and services as well as a superior user experience to customers through its “mobile first” strategy, which enables it to better serve and retain current customers as well as attract new ones. The Company offers customers comprehensive brokerage and value-added services, including trade order placement and execution, margin financing, IPO subscription, ESOP management, investor education, community discussion and customer support. The Company’s proprietary infrastructure and advanced technology are able to support trades across multiple currencies, multiple markets, multiple products, multiple execution venues and multiple clearinghouses. For more information on the Company, please visit:https://ir.itiger.com.</p><p><b>Investor Relations Contact</b></p><p>Mr. Clark S. Soucy</p><p>UP Fintech Holding Limited</p><p>Email: ir@itiger.com</p></body></html>","source":"lsy1573717531661","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>UP Fintech Holding Limited to Report Fourth Quarter 2021 Financial Results on March 18, 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\">\nUP Fintech Holding Limited to Report Fourth Quarter 2021 Financial Results on March 18, 2022\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-04 17:03 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.globenewswire.com/news-release/2022/03/04/2396939/0/en/UP-Fintech-Holding-Limited-to-Report-Fourth-Quarter-2021-Financial-Results-on-March-18-2022.html><strong>globenewswire</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>SINGAPORE, March 04, 2022 (GLOBE NEWSWIRE) -- UP Fintech Holding Limited (“UP Fintech” or the “Company”) (NASDAQ: TIGR), a leading online brokerage firm focusing on global investors, today announced ...</p>\n\n<a href=\"https://www.globenewswire.com/news-release/2022/03/04/2396939/0/en/UP-Fintech-Holding-Limited-to-Report-Fourth-Quarter-2021-Financial-Results-on-March-18-2022.html\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TIGR":"老虎证券"},"source_url":"https://www.globenewswire.com/news-release/2022/03/04/2396939/0/en/UP-Fintech-Holding-Limited-to-Report-Fourth-Quarter-2021-Financial-Results-on-March-18-2022.html","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1195546343","content_text":"SINGAPORE, March 04, 2022 (GLOBE NEWSWIRE) -- UP Fintech Holding Limited (“UP Fintech” or the “Company”) (NASDAQ: TIGR), a leading online brokerage firm focusing on global investors, today announced that it will report its financial results for the fourth quarter ended December 31, 2021, before the U.S. market opens on March 18, 2022.UP Fintech’s management will hold an earnings conference call at 8:00 AM on March 18, 2022, U.S. Eastern Time (8:00 PM on March 18, 2022 Singapore/Hong Kong Time).Conference Call Information:All participants wishing to attend the call must preregister online before they may receive the dial-in numbers. Preregistration may require a few minutes to complete.Preregistration Information:Participants may register for the conference call by navigating to:http://apac.directeventreg.com/registration/event/2848386Once preregistration has been complete, participants will receive dial-in numbers, direct event passcode, and registrant id. The conference ID: is 2848386To join the conference, simply dial the number in the calendar invite you receive after preregistering, enter the passcode followed by your PIN, and you will join the conference instantly.A telephone replay of the call will be available after the conclusion of the conference call through March 25, 2022. Dial-in numbers for the replay are as follows:International: +61 2 8199 0299Passcode: 2848386A live and archived webcast of the conference call will be available athttps://ir.itiger.com.About UP Fintech Holding LimitedUP Fintech Holding Limited is a leading online brokerage firm focusing on global investors. The Company’s proprietary mobile and online trading platform enables investors to trade in equities and other financial instruments on multiple exchanges around the world. The Company offers innovative products and services as well as a superior user experience to customers through its “mobile first” strategy, which enables it to better serve and retain current customers as well as attract new ones. The Company offers customers comprehensive brokerage and value-added services, including trade order placement and execution, margin financing, IPO subscription, ESOP management, investor education, community discussion and customer support. The Company’s proprietary infrastructure and advanced technology are able to support trades across multiple currencies, multiple markets, multiple products, multiple execution venues and multiple clearinghouses. For more information on the Company, please visit:https://ir.itiger.com.Investor Relations ContactMr. Clark S. SoucyUP Fintech Holding LimitedEmail: ir@itiger.com","news_type":1},"isVote":1,"tweetType":1,"viewCount":591,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9031995357,"gmtCreate":1646405956436,"gmtModify":1676534126620,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Yes! Up we go!💪","listText":"Yes! Up we go!💪","text":"Yes! Up we go!💪","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9031995357","repostId":"2216993463","repostType":2,"repost":{"id":"2216993463","weMediaInfo":{"introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"media_name":"Reuters","id":"1036604489","head_image":"https://static.tigerbbs.com/443ce19704621c837795676028cec868"},"pubTimestamp":1646405466,"share":"https://ttm.financial/m/news/2216993463?lang=&edition=fundamental","pubTime":"2022-03-04 22:51","market":"us","language":"en","title":"Tesla Germany Plant Receives Conditional License to Start Production","url":"https://stock-news.laohu8.com/highlight/detail?id=2216993463","media":"Reuters","summary":"BERLIN, March 4  - Teslahas received a conditional license to begin production at its electric vehiclefactory and adjacent battery plant in Gruenheide, Germany, the local environmental ministry in Brandenburg said on Friday.The factory, which Tesla has begun constructing under pre-approval permits, is set to produce over 500,000 battery-electric vehicles a year, while the battery plant will generate over 50 gigawatt hours  per year - outstripping European competitors on both fronts.","content":"<html><head></head><body><p>BERLIN, March 4 (Reuters) - Tesla has received a conditional license to begin production at its electric vehicle factory and adjacent battery plant in Gruenheide, Germany, the local environmental ministry in Brandenburg said on Friday.</p><p>The factory, which Tesla has begun constructing under pre-approval permits, is set to produce over 500,000 battery-electric vehicles a year, while the battery plant will generate over 50 gigawatt hours (GWh) per year - outstripping European competitors on both fronts.</p><p><img src=\"https://static.tigerbbs.com/1641f4e8982863575e623e1289d01a4a\" tg-width=\"843\" tg-height=\"620\" referrerpolicy=\"no-referrer\"/></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>Tesla Germany Plant Receives Conditional License to Start Production</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\">\nTesla Germany Plant Receives Conditional License to Start Production\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1036604489\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/443ce19704621c837795676028cec868);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Reuters </p>\n<p class=\"h-time\">2022-03-04 22:51</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>BERLIN, March 4 (Reuters) - Tesla has received a conditional license to begin production at its electric vehicle factory and adjacent battery plant in Gruenheide, Germany, the local environmental ministry in Brandenburg said on Friday.</p><p>The factory, which Tesla has begun constructing under pre-approval permits, is set to produce over 500,000 battery-electric vehicles a year, while the battery plant will generate over 50 gigawatt hours (GWh) per year - outstripping European competitors on both fronts.</p><p><img src=\"https://static.tigerbbs.com/1641f4e8982863575e623e1289d01a4a\" tg-width=\"843\" tg-height=\"620\" referrerpolicy=\"no-referrer\"/></p><p></p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4555":"新能源车","BK4533":"AQR资本管理(全球第二大对冲基金)","BK4550":"红杉资本持仓","BK4581":"高盛持仓","BK4099":"汽车制造商","BK4511":"特斯拉概念","TSLA":"特斯拉","BK4548":"巴美列捷福持仓","BK4527":"明星科技股","BK4551":"寇图资本持仓","BK4574":"无人驾驶","BK4534":"瑞士信贷持仓"},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2216993463","content_text":"BERLIN, March 4 (Reuters) - Tesla has received a conditional license to begin production at its electric vehicle factory and adjacent battery plant in Gruenheide, Germany, the local environmental ministry in Brandenburg said on Friday.The factory, which Tesla has begun constructing under pre-approval permits, is set to produce over 500,000 battery-electric vehicles a year, while the battery plant will generate over 50 gigawatt hours (GWh) per year - outstripping European competitors on both fronts.","news_type":1},"isVote":1,"tweetType":1,"viewCount":534,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9001594692,"gmtCreate":1641268311967,"gmtModify":1676533591272,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Hopefully this will bring SE to the correct price of 340++!🙏","listText":"Hopefully this will bring SE to the correct price of 340++!🙏","text":"Hopefully this will bring SE to the correct price of 340++!🙏","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9001594692","repostId":"1141678448","repostType":2,"repost":{"id":"1141678448","pubTimestamp":1641266022,"share":"https://ttm.financial/m/news/1141678448?lang=&edition=fundamental","pubTime":"2022-01-04 11:13","market":"us","language":"en","title":"Sea Limited sets annual meeting with plan to boost class B voting power","url":"https://stock-news.laohu8.com/highlight/detail?id=1141678448","media":"Seeking Alpha","summary":"Sea Limited has set up its annual meeting with a plan to expand voting power of its ClassB shares, c","content":"<html><head></head><body><p>Sea Limited has set up its annual meeting with a plan to expand voting power of its ClassB shares, consolidating control with its founder, chairman and CEO.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/66e280d822cebfb8966ad498a141862e\" tg-width=\"1536\" tg-height=\"1024\" width=\"100%\" height=\"auto\"/><span>DeanDrobot/iStock via Getty Images</span></p><p>At the Feb. 14 meeting, shareholders will take up a company proposal to boost the voting power of each Class B share from three votes to 15 votes.</p><p>Tencent Holdings plans to convert all of its Class B ordinary shares to Class A ordinary shares on the passing of that special resolution. And that would leave all outstanding Class B ordinary shares owned by Chairman/CEO and founder Forrest Li.</p><p>Tencent also will end the proxy by which it gave Li the voting power for its Class B shares.</p><p>Running through the math, Li&#39;s class B shares post-conversion would grant him about 57% of total voting power (up from 52% today), and Tencent&#39;s voting power is expected to be less than 10%.</p><p>The special resolution requires 75% approval from voters at the meeting.</p><p>Earlier, BofA upgraded Sea to Buy from Neutral.</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>Sea Limited sets annual meeting with plan to boost class B voting power</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\">\nSea Limited sets annual meeting with plan to boost class B voting power\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-01-04 11:13 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/news/3784750-sea-limited-sets-annual-meeting-with-plan-to-boost-class-b-voting-power><strong>Seeking Alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Sea Limited has set up its annual meeting with a plan to expand voting power of its ClassB shares, consolidating control with its founder, chairman and CEO.DeanDrobot/iStock via Getty ImagesAt the Feb...</p>\n\n<a href=\"https://seekingalpha.com/news/3784750-sea-limited-sets-annual-meeting-with-plan-to-boost-class-b-voting-power\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SE":"Sea Ltd"},"source_url":"https://seekingalpha.com/news/3784750-sea-limited-sets-annual-meeting-with-plan-to-boost-class-b-voting-power","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1141678448","content_text":"Sea Limited has set up its annual meeting with a plan to expand voting power of its ClassB shares, consolidating control with its founder, chairman and CEO.DeanDrobot/iStock via Getty ImagesAt the Feb. 14 meeting, shareholders will take up a company proposal to boost the voting power of each Class B share from three votes to 15 votes.Tencent Holdings plans to convert all of its Class B ordinary shares to Class A ordinary shares on the passing of that special resolution. And that would leave all outstanding Class B ordinary shares owned by Chairman/CEO and founder Forrest Li.Tencent also will end the proxy by which it gave Li the voting power for its Class B shares.Running through the math, Li's class B shares post-conversion would grant him about 57% of total voting power (up from 52% today), and Tencent's voting power is expected to be less than 10%.The special resolution requires 75% approval from voters at the meeting.Earlier, BofA upgraded Sea to Buy from Neutral.","news_type":1},"isVote":1,"tweetType":1,"viewCount":669,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9985336592,"gmtCreate":1667311656016,"gmtModify":1676537896143,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Hopefully will be a good news!","listText":"Hopefully will be a good news!","text":"Hopefully will be a good news!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9985336592","repostId":"1103063696","repostType":2,"repost":{"id":"1103063696","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":1667309421,"share":"https://ttm.financial/m/news/1103063696?lang=&edition=fundamental","pubTime":"2022-11-01 21:30","market":"us","language":"en","title":"Dow Opens 200 Points Higher As November Trading Kicks off, Fed Meeting Begins","url":"https://stock-news.laohu8.com/highlight/detail?id=1103063696","media":"Tiger Newspress","summary":"Stocks opened higher on Tuesday as a new month of trading commenced and Wall Street looked ahead to ","content":"<html><head></head><body><p>Stocks opened higher on Tuesday as a new month of trading commenced and Wall Street looked ahead to a key Federal Reserve decision on rates.</p><p>Futures tied to the Dow Jones Industrial Average were up 230 points, or 0.7%. S&amp;P 500 and Nasdaq 100 futures added 1.1% and 1.4%, respectively.</p><p>The rise in stock futures came as rates fell ahead of the central bank’s rate decision as investors hope for a sign that the Fed will ease its tightening stance in the months ahead. A better-than-feared earnings season, meanwhile, continued with a strong report from Pfizer while Uber shares popped on a revenue beat and strong gross bookings.</p><p>Some traders also pointed to optimism from unconfirmed reports that China could be moving away from its Zero Covid policy as a source for Tuesday’s early gains.</p><p>“Stocks are trading very well following unconfirmed reports on social media overnight about China formulating a plan to exit its ‘zero tolerance’ approach to COVID,” wrote Adam Crisafulli of Vital Knowledge.</p><p>“While the consensus narrative has embraced the ‘Fed will slow its tightening pace’ narrative, China remains among the most hated markets on the planet w/its equity indices at multi-decade lows – there’s still a lot more room to rally on the upside in the coming quarters assuming a more realistic COVID approach is implemented,” he added.</p><p>Wall Street on Monday wrapped up a strong month of gains, with the Dow rallying nearly 14% for its biggest monthly advance since January 1976, as investors rotated out of technology and hedged hopes on stalwarts like banks. The S&amp;P 500 and Nasdaq Composite added about 8% and 3.9%, respectively.</p><p>Tuesday also kicks off the Fed’s November meeting, which many expect will result in a 75 basis point interest rate hike. Investors will also monitor the central bank’s statement and Fed Chair Jerome Powell’s press conference for signs that the Fed may slow its tightening pace.</p><p>Economic releases for Tuesday include job openings data and construction spending for September. The ISM  manufacturing report for October is also due.</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>Dow Opens 200 Points Higher As November Trading Kicks off, Fed Meeting Begins</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\">\nDow Opens 200 Points Higher As November Trading Kicks off, Fed Meeting Begins\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\">2022-11-01 21:30</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>Stocks opened higher on Tuesday as a new month of trading commenced and Wall Street looked ahead to a key Federal Reserve decision on rates.</p><p>Futures tied to the Dow Jones Industrial Average were up 230 points, or 0.7%. S&amp;P 500 and Nasdaq 100 futures added 1.1% and 1.4%, respectively.</p><p>The rise in stock futures came as rates fell ahead of the central bank’s rate decision as investors hope for a sign that the Fed will ease its tightening stance in the months ahead. A better-than-feared earnings season, meanwhile, continued with a strong report from Pfizer while Uber shares popped on a revenue beat and strong gross bookings.</p><p>Some traders also pointed to optimism from unconfirmed reports that China could be moving away from its Zero Covid policy as a source for Tuesday’s early gains.</p><p>“Stocks are trading very well following unconfirmed reports on social media overnight about China formulating a plan to exit its ‘zero tolerance’ approach to COVID,” wrote Adam Crisafulli of Vital Knowledge.</p><p>“While the consensus narrative has embraced the ‘Fed will slow its tightening pace’ narrative, China remains among the most hated markets on the planet w/its equity indices at multi-decade lows – there’s still a lot more room to rally on the upside in the coming quarters assuming a more realistic COVID approach is implemented,” he added.</p><p>Wall Street on Monday wrapped up a strong month of gains, with the Dow rallying nearly 14% for its biggest monthly advance since January 1976, as investors rotated out of technology and hedged hopes on stalwarts like banks. The S&amp;P 500 and Nasdaq Composite added about 8% and 3.9%, respectively.</p><p>Tuesday also kicks off the Fed’s November meeting, which many expect will result in a 75 basis point interest rate hike. Investors will also monitor the central bank’s statement and Fed Chair Jerome Powell’s press conference for signs that the Fed may slow its tightening pace.</p><p>Economic releases for Tuesday include job openings data and construction spending for September. The ISM  manufacturing report for October is also due.</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".IXIC":"NASDAQ Composite",".DJI":"道琼斯",".SPX":"S&P 500 Index"},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1103063696","content_text":"Stocks opened higher on Tuesday as a new month of trading commenced and Wall Street looked ahead to a key Federal Reserve decision on rates.Futures tied to the Dow Jones Industrial Average were up 230 points, or 0.7%. S&P 500 and Nasdaq 100 futures added 1.1% and 1.4%, respectively.The rise in stock futures came as rates fell ahead of the central bank’s rate decision as investors hope for a sign that the Fed will ease its tightening stance in the months ahead. A better-than-feared earnings season, meanwhile, continued with a strong report from Pfizer while Uber shares popped on a revenue beat and strong gross bookings.Some traders also pointed to optimism from unconfirmed reports that China could be moving away from its Zero Covid policy as a source for Tuesday’s early gains.“Stocks are trading very well following unconfirmed reports on social media overnight about China formulating a plan to exit its ‘zero tolerance’ approach to COVID,” wrote Adam Crisafulli of Vital Knowledge.“While the consensus narrative has embraced the ‘Fed will slow its tightening pace’ narrative, China remains among the most hated markets on the planet w/its equity indices at multi-decade lows – there’s still a lot more room to rally on the upside in the coming quarters assuming a more realistic COVID approach is implemented,” he added.Wall Street on Monday wrapped up a strong month of gains, with the Dow rallying nearly 14% for its biggest monthly advance since January 1976, as investors rotated out of technology and hedged hopes on stalwarts like banks. The S&P 500 and Nasdaq Composite added about 8% and 3.9%, respectively.Tuesday also kicks off the Fed’s November meeting, which many expect will result in a 75 basis point interest rate hike. Investors will also monitor the central bank’s statement and Fed Chair Jerome Powell’s press conference for signs that the Fed may slow its tightening pace.Economic releases for Tuesday include job openings data and construction spending for September. The ISM  manufacturing report for October is also due.","news_type":1},"isVote":1,"tweetType":1,"viewCount":209,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9097435343,"gmtCreate":1645525869234,"gmtModify":1676534035904,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Fingers crossed n hope that Sofi will fly high up again!🤞","listText":"Fingers crossed n hope that Sofi will fly high up again!🤞","text":"Fingers crossed n hope that Sofi will fly high up again!🤞","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9097435343","repostId":"1153642571","repostType":2,"repost":{"id":"1153642571","pubTimestamp":1645524629,"share":"https://ttm.financial/m/news/1153642571?lang=&edition=fundamental","pubTime":"2022-02-22 18:10","market":"us","language":"en","title":"SoFi to Buy Banking-Infrastructure Firm Technisys for About $1.1 Billion","url":"https://stock-news.laohu8.com/highlight/detail?id=1153642571","media":"The Wall Street Journal","summary":"The all-stock deal is CEO Anthony Noto’s latest move to make the onetime student lender into a full-","content":"<html><head></head><body><p>The all-stock deal is CEO Anthony Noto’s latest move to make the onetime student lender into a full-service bank</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/f29ca9184d1e900ed3fb57ef77b58ee5\" tg-width=\"860\" tg-height=\"573\" width=\"100%\" height=\"auto\"/><span>SoFi CEO Anthony Noto has turned to deal making to transform the onetime student lender.</span></p><p>SoFi Technologies Inc. is buying banking-software maker Technisys SA for about $1.1 billion, the latest in a string of deals designed to transform the lender into a one-stop financial shop.</p><p>The all-stock deal is equivalent to roughly 10% of SoFi’s market value. The deal gives SoFi control of its own core-banking platform, the back-end technology that banks use to power mobile-banking apps, open accounts and keep track of customer deposits.</p><p>Under CEO Anthony Noto, SoFi has looked to deal making to branch out beyond its roots as a lender that focused on refinancing student debt. This month, it became a bank when it completed its acquisition of Golden Pacific Bancorp Inc., a California community lender. In 2020, SoFi agreed to spend about $1.2 billion on Galileo Financial Technologies Inc., a financial-infrastructure company focused on issuing debit cards.</p><p>SoFi will use Technisys’s platform to roll out personalized financial services to its own banking customers. It will also allow other banks and financial-technology companies to use the platform, which today is mostly used by banks in Latin America.</p><p>SoFi estimates that the Technisys acquisition will generate up to $800 million in additional revenue through 2025. It will also create up to $85 million in cost savings over the span. SoFi currently relies on one legacy software vendor to power its banking and savings accounts and a separate one to power its credit card. Technisys will allow it to bring those capabilities in-house.</p><p>SoFi went public last year through a merger with a blank-check company run by tech investor Chamath Palihapitiya. Its shares, like those of other high-growth tech stocks, have fallen out of favor in recent weeks at the prospect of higher interest rates. Since the start of 2022, SoFi’s stock price is down 28%.</p><p>The market volatility hasn’t made Mr. Noto rethink SoFi’s strategy. “We’re not slowing down. The distance between us and others is only going to increase,” Mr. Noto said.</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 to Buy Banking-Infrastructure Firm Technisys for About $1.1 Billion</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 to Buy Banking-Infrastructure Firm Technisys for About $1.1 Billion\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-02-22 18:10 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.wsj.com/articles/sofi-to-buy-banking-infrastructure-firm-technisys-for-about-1-1-billion-11645524001?page=1><strong>The Wall Street Journal</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The all-stock deal is CEO Anthony Noto’s latest move to make the onetime student lender into a full-service bankSoFi CEO Anthony Noto has turned to deal making to transform the onetime student lender....</p>\n\n<a href=\"https://www.wsj.com/articles/sofi-to-buy-banking-infrastructure-firm-technisys-for-about-1-1-billion-11645524001?page=1\">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.wsj.com/articles/sofi-to-buy-banking-infrastructure-firm-technisys-for-about-1-1-billion-11645524001?page=1","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1153642571","content_text":"The all-stock deal is CEO Anthony Noto’s latest move to make the onetime student lender into a full-service bankSoFi CEO Anthony Noto has turned to deal making to transform the onetime student lender.SoFi Technologies Inc. is buying banking-software maker Technisys SA for about $1.1 billion, the latest in a string of deals designed to transform the lender into a one-stop financial shop.The all-stock deal is equivalent to roughly 10% of SoFi’s market value. The deal gives SoFi control of its own core-banking platform, the back-end technology that banks use to power mobile-banking apps, open accounts and keep track of customer deposits.Under CEO Anthony Noto, SoFi has looked to deal making to branch out beyond its roots as a lender that focused on refinancing student debt. This month, it became a bank when it completed its acquisition of Golden Pacific Bancorp Inc., a California community lender. In 2020, SoFi agreed to spend about $1.2 billion on Galileo Financial Technologies Inc., a financial-infrastructure company focused on issuing debit cards.SoFi will use Technisys’s platform to roll out personalized financial services to its own banking customers. It will also allow other banks and financial-technology companies to use the platform, which today is mostly used by banks in Latin America.SoFi estimates that the Technisys acquisition will generate up to $800 million in additional revenue through 2025. It will also create up to $85 million in cost savings over the span. SoFi currently relies on one legacy software vendor to power its banking and savings accounts and a separate one to power its credit card. Technisys will allow it to bring those capabilities in-house.SoFi went public last year through a merger with a blank-check company run by tech investor Chamath Palihapitiya. Its shares, like those of other high-growth tech stocks, have fallen out of favor in recent weeks at the prospect of higher interest rates. Since the start of 2022, SoFi’s stock price is down 28%.The market volatility hasn’t made Mr. Noto rethink SoFi’s strategy. “We’re not slowing down. The distance between us and others is only going to increase,” Mr. Noto said.","news_type":1},"isVote":1,"tweetType":1,"viewCount":420,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":184772184772712,"gmtCreate":1686149676479,"gmtModify":1686149679194,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$&nbsp;</a><v-v data-views=\"1\"></v-v>Holding on to 260+! Let's hit it Tesla!💪","listText":"<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$&nbsp;</a><v-v data-views=\"1\"></v-v>Holding on to 260+! Let's hit it Tesla!💪","text":"$Tesla Motors(TSLA)$ Holding on to 260+! Let's hit it Tesla!💪","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/184772184772712","isVote":1,"tweetType":1,"viewCount":563,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9940758280,"gmtCreate":1678200161841,"gmtModify":1678200164835,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/SE\">$Sea Ltd(SE)$&nbsp;</a><v-v data-views=\"1\"></v-v>To the $100s!","listText":"<a href=\"https://ttm.financial/S/SE\">$Sea Ltd(SE)$&nbsp;</a><v-v data-views=\"1\"></v-v>To the $100s!","text":"$Sea Ltd(SE)$ To the $100s!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9940758280","isVote":1,"tweetType":1,"viewCount":164,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9001183321,"gmtCreate":1641189710792,"gmtModify":1676533580976,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"We are on the same boat with the same thinking here! Up to 340+++!⬆️🚀🚀🚀","listText":"We are on the same boat with the same thinking here! Up to 340+++!⬆️🚀🚀🚀","text":"We are on the same boat with the same thinking here! Up to 340+++!⬆️🚀🚀🚀","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9001183321","repostId":"1171608797","repostType":2,"repost":{"id":"1171608797","pubTimestamp":1641177163,"share":"https://ttm.financial/m/news/1171608797?lang=&edition=fundamental","pubTime":"2022-01-03 10:32","market":"us","language":"en","title":"Sea Limited: Engaging Wars On Multiple Fronts","url":"https://stock-news.laohu8.com/highlight/detail?id=1171608797","media":"Seeking Alpha","summary":"SummaryShopee is taking a long-term approach by re-investing its margins to expand into new markets ","content":"<html><head></head><body><p><b>Summary</b></p><ul><li>Shopee is taking a long-term approach by re-investing its margins to expand into new markets and pursue more market share.</li><li>While Garena growth seems to be tapering down, we do not think its growth has peaked yet due to its strong monetization capabilities in the U.S and others.</li><li>SeaMoney is intentionally ramping up its sales and marketing efforts to drive more adoption to ShopeePay, and that is temporarily suppressing its margins.</li><li>Using a sum-of-parts valuation, the intrinsic value of the business is $341.33, a 55% upside from the current share price.</li></ul><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/9e67f7a326258558c1021793376f4c25\" tg-width=\"1536\" tg-height=\"1025\" referrerpolicy=\"no-referrer\"/><span>Wachiwit/iStock Editorial via Getty Images</span></p><p><b>Overview</b></p><p>Sea Limited is an internet platform company that consists of three main business segments – Garena (digital entertainment), Shopee (e-commerce), and SeaMoney (digital financial services). Throughout the years, Sea Limited has been reinvesting aggressively into their business to capture market share rapidly and grow their user base in every region. Starting out from Singapore, they have since achieved a respectable presence in Southeast Asia, Taiwan, and most recently in Latin America. In this article, we will be unpacking Sea Limited Q3’21 results, as we share our thoughts on the quarter. Do also head to the previous article we have written for Sea Limited.</p><p><b>Garena</b></p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/11f0e27a4acd7a2b1671fd01bf86d291\" tg-width=\"1280\" tg-height=\"791\" referrerpolicy=\"no-referrer\"/><span>Source: Sea Quarterly Report</span></p><p>In Q3’21, Garena’s quarterly active users (“QAU”) grew 0.5% sequentially to 729 million, a slowdown in users growth due the law of large numbers. Bookings growth has also stagnated as a result. More users are increasingly transitioning into paying users as the paying user ratio (“PUR”) rose to 12.8%. Based on the low PUR, there is still a large opportunity to convert its existing user base into paying users.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/614efda95d41b79b0ed25736f40cbec8\" tg-width=\"1056\" tg-height=\"652\" referrerpolicy=\"no-referrer\"/><span>Source: Sea Quarterly Report</span></p><p>Next, Garena’s average revenue per paying user (“ARPPU”) continues to taper down to $12.88, and that is likely due to most users coming from India and Latin America with much lower spending power. We will not rule out the possibility that Garena may increase the pricing of its in-game items to increase its monetization. Over time, the two key metrics that we should be measuring closely are PUR and ARPPU, and both tell us whether Garena can improve its monetizing capabilities to sustain its growth rate.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/ac621fe91314553c8c3337633f7055c6\" tg-width=\"970\" tg-height=\"759\" referrerpolicy=\"no-referrer\"/><span>Source: Sensortower</span></p><p>What is impressive during the quarter is that Garena Free Fire (“FF”) revenue per download (“RPD”) heavily surpassed its rivals in the United States, even though it has a much smaller user base. And despite PUBG re-launching in India in Q2&#39;21, FF is still leading by the highest RPD, as well as app rankings, showing that it has better monetization capabilities than its peers. According to SensorTower, FF was also the top five most downloaded games worldwide for six consecutive quarters, and in Q3’21, it was ranked as top three. With the game nearing five years of operation, this removes any doubt that its growth has peaked, and it is well on its way to building an enduring franchise.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/4cb798c3496a01756720d7566f71ec6f\" tg-width=\"900\" tg-height=\"900\" referrerpolicy=\"no-referrer\"/><span>Source: Free Fire Twitter</span></p><p>Garena Free Fire Max, an enhanced version of the current FF game was also launched in the quarter. Interestingly, what caught our eye was the introduction of a new feature called “Craftland”, where FF offers a “platform” for users to unleash their creativity through creating their own maps and inviting their friends over to play. This helps to increase social interaction, engagements, and also the stickiness of the game. As of today, it has over 4.57 million downloads on Google Play Store and it has a high review of over 4 stars. If we head over to Youtube, there are plenty of videos related to “Craftland”, showing how well received it is by the FF community. Looking ahead, Garena seeks to introduce more content, features, modes, and gameplays to sustain its existing strong base of users.</p><p>On top of that, Garena’s strong global presence has also received accelerated interest from worldwide studios looking to partner up with them, and management states that they are working on new ideas in the pipeline.</p><p><b>Shopee</b></p><p><b>Expansion into other markets</b></p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a9be6ee805f0031bdbda5f9091e2d818\" tg-width=\"748\" tg-height=\"556\" referrerpolicy=\"no-referrer\"/><span>Source: Shopee India</span></p><p>Shopee has also expanded into multiple markets, including France,Poland,Spain,India, and also Argentina. If we head to the websites, there are a few common traits that we observed, and that is Shopee replicating its playbook by giving out free shipping, free commission (to sellers), cashback, and vouchers across its platform to entice users to use the platform and to spur the flywheel effect. This has proven to work in countries in SEA and Brazil, as evident from its market leadership.</p><p><b>Operating and Financial Metrics</b></p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/e705eacc3dc34accf3e60455b81f0112\" tg-width=\"1280\" tg-height=\"791\" referrerpolicy=\"no-referrer\"/><span>Source: Sea Quarterly Report</span></p><p>Shopee recorded a growth rate of 80% which saw its GMV reach US$16.8 billion. Recently, Alibaba (NYSE:BABA) has disclosed the LTM revenue of Lazada, which is US$21 billion, up 60% YOY. By comparison, Shopee LTM GMV grew 90% YOY to $US56 billion, heavily surpassing that of its rival.</p><p>There are also signs of improving monetization as the take-rate increased sequentially to 8.93% during the quarter. As Shopee scales larger over time, it has the ability to increase its take-rate without losing its sellers as it is able to bring higher sales volume to its sellers than any other platform.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/3f793d575a267fe3e4fe60299189f29e\" tg-width=\"1200\" tg-height=\"742\" referrerpolicy=\"no-referrer\"/><span>Source: Sea Quarterly Report</span></p><p>Based on the total addressable market (“TAM”) of US$260 billion GMV, Shopee is the clear market leader with 21% of the TAM, followed by Lazada&#39;s 8%. This shows how quickly Shopee has been gobbling up market share, making it an undisputed leader in the region.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/88f5af1de4543fd03fcebaa9de4c1e3c\" tg-width=\"1280\" tg-height=\"678\" referrerpolicy=\"no-referrer\"/><span>Source: Google Trend</span></p><p>Data from Google Trend also shows that Shopee continues to lead ahead of Lazada and Tokopedia. Interestingly, Alibaba’s management has also laid out a goal to achieve a $US 100 billion GMV, although a timeline is not given. Alibaba is re-focusing its attention on the Southeast Asia market.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/0411927ec3f53dbbbd0a669cae109dc7\" tg-width=\"1200\" tg-height=\"742\" referrerpolicy=\"no-referrer\"/><span>Source: Sea Quarterly Report</span></p><p>Shopee’s order volume grew 129% YOY, which is its ninth-consecutive quarter of triple-digit growth rate. By comparison, Lazada’s order growth rate was only 82%. This tells us that users are spending more on Shopee than Lazada, which is not surprising due to Shopee’s overwhelming consumers’ mindshare. To get an outlook into next quarter’s results, Shopee recorded 13 times more items sold on an average day in the first 2 hours of its 12.12 event promotion, revealing how successful the campaign was.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/3f5b0365bf05142d748d698ab1c3d0f1\" tg-width=\"1200\" tg-height=\"742\" referrerpolicy=\"no-referrer\"/><span>Source: Sea Quarterly Report</span></p><p>The average order value (&#34;AOV&#34;) continues to decline to $9.88 in the quarter. In our view, this is not a cause for worry. In the newer markets that Shopee has expanded into, users tend to start with smaller purchases with lower AOV. Over time, as they established more trust with the platform, they will increasingly move towards purchasing higher-ticket items.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a3be44b2dc1e75eaf3db57e1d823ecaa\" tg-width=\"1200\" tg-height=\"742\" referrerpolicy=\"no-referrer\"/><span>Source: Sea Quarterly Report</span></p><p>Turning to profitability, Shopee’s gross profit margin (“GPM”) was 26.72%, compared to 31.94% in Q2’21. This was largely due to the higher cost of revenue in the quarter, including higher logistic costs associated with order growth and value-added services such as inventory management and fulfillment services provided to customers.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/d06185d6b36d451ed2095fabbc052ba6\" tg-width=\"1280\" tg-height=\"790\" referrerpolicy=\"no-referrer\"/><span>Source: Sea Quarterly Report</span></p><p>Sales and marketing expenses (“S&amp;M”) expenses increased 124% YOY to $689 million, as Shopee ramp up its S&amp;M efforts to capture more market share across its existing and new markets. As a result, S&amp;M expenses as a % of GMV continue to fluctuate at 4.10%. Considering that some of its operating markets are in the early stages, investments may increase if the management spots any clear opportunities.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/8aaa58e08ff935169c615806c98eadca\" tg-width=\"1200\" tg-height=\"742\" referrerpolicy=\"no-referrer\"/><span>Source: Sea Quarterly Report</span></p><p>As a result of the lower gross profit and higher S&amp;M expenses, Shopee’s adjusted loss per order fluctuates at a negative $0.40 in the quarter. This is notable considering Shopee entered many new countries with zero monetization, and took its profits from its matured markets to finance S&amp;M expenses in the newer markets.</p><p>This is supported by a statement by Chief Corporate Officer Wang in Q2 2021:</p><blockquote>In terms of positive EBITDA from Malaysia, again, we&#39;re very happy to report that Malaysia has become the second market to achieve positive EBITDA after Taiwan for our Shopee business. And of course, it is followed by the results of better monetization over time as well as improving operational efficiency over time. As we stressed before that the marketplace e-commerce model in terms of profitability is highly proven and with scale and strong market leadership and ability to deliver a clear and increasing value to our seller communities, we will be able to make a strong profit down the road. And this is basically generating value to our communities and, by that, will generate value to our shareholders as well.</blockquote><p><b>Battle with the Incumbents</b></p><p>While Shopee expands aggressively, it is also important to consider the competitive landscape across its markets, and that includes the incumbent Allegro, a 20-year-old well-established local e-commerce platform in Poland, and Mercado Libre, the biggest e-commerce platform across Latin America (“LATAM”), particularly in Brazil, Mexico, and Argentina.</p><p><b>Latin America</b></p><p>According to Similarweb, Shopee’s web traffic is increasing steadily across LATAM, which include Colombia,Mexico, and Brazil, although MELI is leading by a wide margin.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/d8e8ab3232fdc0a70c67186b0bae587c\" tg-width=\"552\" tg-height=\"556\" referrerpolicy=\"no-referrer\"/><span>Top shopping app in Colombia, Source: SensorTower</span></p><p>However, based on the app rankings on SensorTower, Shopee has surpassed and overtook MELI as the top shopping app across Mexico,Chile, Colombia, and Brazil. This was accomplished within a span of 6 months, excluding its operation in Brazil.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/d50771a33f9bbe4451ae3b496eeed1db\" tg-width=\"1200\" tg-height=\"742\" referrerpolicy=\"no-referrer\"/><span>Source: Instagram</span></p><p>Alternatively, we can also track their social media followers as this gives us a sense of Shopee’s brand awareness in the region. As of ending Dec 2021, it has more followers than Mercardo in Colombia and Brazil, with Chile and Mexico coming close.</p><p><b>Poland</b></p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/82d28504ed7a24520b23f28860b28fed\" tg-width=\"547\" tg-height=\"472\" referrerpolicy=\"no-referrer\"/><span>Figure - Shopee is the #1 shopping app in Poland, Source: Sensortower</span></p><p>Similarly in Poland, Shopee follows the same footprint whereby Allegro’s (WSE:ALE) web traffic leads by a mile, but it was overtaken by Shopee as the number one shopping app, and this was achieved within 3 months since Shopee was launched. In addition, Shopee and Allegro have 12.8k and 68k Instagram followers, respectively.</p><p>Although Allegro has over 10 million downloads on Google Play Store, this is insignificant considering that it is only a fraction of its total website visits of 222 million. This may suggest that there is lesser focus and emphasis on the mobile app.</p><p><b>Shopee Concluding Thoughts</b></p><p>It is not surprising to see this data surfaced because users in Poland and LATAM are more accustomed to shopping on the browser, and so there was much less emphasis on mobile. Therefore, Shopee leveraged its mobile-first approach, capitalizing on the opportunity and that has proven to be successful based on the data from third-party sources.</p><p>While investors seem to be concerned that Shopee is fighting too many wars on its front, including its expansion into India, Argentina, and France, the management has demonstrated that they are capable enough to execute given its strong localization capabilities. This long-term approach to sacrifice short-term profitability and pursue additional market share are also well-aligned to the shareholders.</p><p><b>Digital Finance - SeaMoney</b></p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/5d530155412cffe0c2f8eb8d2f56adb7\" tg-width=\"1280\" tg-height=\"791\" referrerpolicy=\"no-referrer\"/><span>Source: Sea Quarterly Report</span></p><p>In Q3’21, SeaMoney’s total payment volume (“TPV”) grew 119% YOY to reach $4.6 billion, and this was mainly driven by the increase in customers’ adoption of ShopeePay. There are also improvements in monetization as take-rate increased to 2.9% from 0.7% in Q3’20, and as a result, revenue grew at a staggering rate of over 800% YOY.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/eefc6aab1a7fe29f20f51ef27681affa\" tg-width=\"946\" tg-height=\"604\" referrerpolicy=\"no-referrer\"/><span>Source: Own&#39;s Graph</span></p><p>During the earnings call, the management also talked about an inherent flywheel effect in SeaMoney, that as more merchants join ShopeePay, the number of use cases increases. This encourages consumers to use ShopeePay and thus drives further adoption. When the user base grows larger and larger, more merchants expressed their interest to get on board, accelerating the acquisition on both sides (merchants and consumers) of the business. Users also get additional benefits such as cashback and vouchers, which help to spur the network effect. Over time, customer acquisition costs (“CAC”) will also come down as more users join organically.</p><p>ShopeePay’s use cases include bill payments, contactless payment at offline retails, paying for taxi rides (i.e. partnership with Blue Bird Taxi in Indonesia), and many more.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/17a8cd811e58a9ca86e248cb272f77e5\" tg-width=\"1280\" tg-height=\"787\" referrerpolicy=\"no-referrer\"/><span>Source: Sea Quarterly Report</span></p><p>S&amp;M expenses increased 65% YoY as SeaMoney drives more adoption to its mobile wallet business. However, S&amp;M expenses as a % of TPV have reduced to 4.26% from 5.64% a year ago, showing sales efficiency as lower marketing spending are translating into higher revenue growth. If we add back the S&amp;M expenses to its adjusted EBITDA, its normalized margin for this quarter is actually 27.8%. This shows that its margin is artificially depressed as the management is intentionally spending on S&amp;M to grow its market share.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/609d411ca867f1c02768681be73e44d6\" tg-width=\"1280\" tg-height=\"792\" referrerpolicy=\"no-referrer\"/><span>Source: Sea Quarterly Report</span></p><p>As of Q3’21, the number of quarterly paying users (“QPU”) reached 39.7 million, a 20% sequential growth from Q2’21. This existing user base is important as its digital bank is set to launch in 2022.</p><p>Diving deeper, we can get a glimpse into the upcoming financial products that will be launched based on Linkedin’s job openings, and that includes insurance,wealth management,prepaid cards, and as well as credit services revolving around repayment loans and revolving credits. And in Sep 2021, SeaMoney also launched its digital bank app in Indonesia.</p><p><b>Risks</b></p><p>The slowdown in Garena’s growth rate</p><ul><li><p>As Garena’s growth starts to taper down, it is important for us to track whether the PUR and ARPPU are increasing over time as these tell us whether they are improving their monetization capabilities.</p></li><li><p>However, we do not expect growth to decline drastically due to the highly engaging nature of the game, and as well as new ideas in the pipeline.</p></li></ul><p>Shopee aggressive expansion into new markets</p><ul><li><p>Shopee entry into new markets and the competitive pressure may accelerate its cash burn rate and erode its profit margin over time. However, we believe the risk is mitigated for a few reasons — due to the hefty $11.2 billion cash on its balance sheet, cash cow of Garena, and not to mention, Shopee is also profitable on a GPM basis.</p></li><li><p>Going forward, we should track Shopee’s website traffic,app rankings,google trends,social media followings to see if these investments are translating into results.</p></li></ul><p><b>Valuation</b></p><p>To calculate the intrinsic value of Sea Group, we will be using the sum-of-the-parts (“SOTP”) valuation model and some comparables.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/5e1008fe7564b4ddff7f3b72591d647e\" tg-width=\"1280\" tg-height=\"569\" referrerpolicy=\"no-referrer\"/><span>Source: Morningstar, OutlookIndia</span></p><p><b>Garena Valuation</b></p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a02ef5f5a79b78be636a73b04be45e78\" tg-width=\"1280\" tg-height=\"137\" referrerpolicy=\"no-referrer\"/><span>Source: Own Estimates</span></p><p>To determine a reasonable multiple to assign to Garena, we cross-reference to other gaming peers such as Electronic Arts (NASDAQ:EA) and Activision Blizzard (NASDAQ:ATVI), which are trading at roughly 18x multiple. Considering that both companies are growing much faster, and growth rate in Q3’21, an implied multiple of 18x and a forward growth rate of 25% are reasonable. Therefore, Garena is worth approximately $63.83 billion.</p><p><b>Shopee Valuation</b></p><p>Looking at comparable transactions of Flipkart, Tokopedia, and Lazada, along with assessing the quality of each business, we think of a fair multiple of EV/GMV as 1x.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/05e90103e5677261fee18f312dd39b00\" tg-width=\"1280\" tg-height=\"129\" referrerpolicy=\"no-referrer\"/><span>Source: Own Estimates</span></p><p>With an implied EV/GMV of 1x, and a forward 100% growth rate on Shopee’s last 12 months (“LTM”) GMV of $56 billion, Shopee is worth $112.6 billion.</p><p><b>SeaMoney Valuation</b></p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/2d5a874c9c714f6fda34c50a4354d107\" tg-width=\"423\" tg-height=\"535\" referrerpolicy=\"no-referrer\"/><span>Source: Own Estimates</span></p><p>Referencing from matured peers such as Paypal (NASDAQ: PYPL) with an operating margin of 25% and take-rate of 2.3%, we think that these financial metrics are achievable for SeaMoney. With a forward growth rate of 100% based on Q3’21 results, considering that it is still in the early stages and yet to launch its digital bank, this gives us an implied EV/TPV of 0.3x.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/08c8ea50bcca5f450ad3c27a79390bad\" tg-width=\"1280\" tg-height=\"129\" referrerpolicy=\"no-referrer\"/><span>Source: Own Estimates</span></p><p>With an implied EV/TPV of 0.3x, and a growth of 100% on the annualized TPV (based on Q3’21 TPV), SeaMoney is worth $11 billion.</p><p><b>Entire Business</b></p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/340a2ecbea6bcb1460204dbe8aa82e58\" tg-width=\"1280\" tg-height=\"813\" referrerpolicy=\"no-referrer\"/><span>Source: Own Estimates</span></p><p>After calculating the individual business segments, this gives us a market cap of $196.9 billion for the entire business, after accounting for cash and debt. With shares outstanding of 576 million, after factoring in 4% dilution, this gives us an intrinsic value of $341.33 per share, a 55.4% upside from the current share price.</p><p><b>Conclusion</b></p><p>Shopee continues to extend its market leadership position by pursuing new growth opportunities in new markets. While Shopee seems to be fighting too many wars on its front, it has demonstrated that it has strong localization capabilities and the know-how to expand overseas as Shopee tops the shopping app across Latin America and Poland within a short span of 3 to 6 months. However, the incumbents are still leading by website traffic, and it is still early to judge whether Shopee could be a real threat to its rivals.</p><p>Next, while Garena’s growth seems to be slowing down, we do not think its growth has reached its peak because of its strong growth exhibited in the US, paying user ratio of only 12.8%, and potential games in the pipelines. With the management track record of creating highly engaging content on FF, we believe it can be an enduring franchise for years to come, with growth likely not to taper down so quickly.</p><p>The management is intentionally suppressing SeaMoney’s margins by ramping up the S&amp;M efforts to drive more adoption to its mobile wallet business. However, they have demonstrated sales efficiency as S&amp;M as % of revenue is declining YOY. With the digital bank set to launch in Singapore in FY2022, we believe SeaMoney is still in the early stages of growth.</p><p>Finally, based on our estimation, we believe Sea Group is worth $341.33 per share. This is a 55.4% upside from the current share price.</p><p>This article was written by Superstocks Seekers.</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>Sea Limited: Engaging Wars On Multiple Fronts</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\">\nSea Limited: Engaging Wars On Multiple Fronts\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-01-03 10:32 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4477615-sea-limited-engaging-wars-multiple-fronts-buy><strong>Seeking Alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>SummaryShopee is taking a long-term approach by re-investing its margins to expand into new markets and pursue more market share.While Garena growth seems to be tapering down, we do not think its ...</p>\n\n<a href=\"https://seekingalpha.com/article/4477615-sea-limited-engaging-wars-multiple-fronts-buy\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SE":"Sea Ltd"},"source_url":"https://seekingalpha.com/article/4477615-sea-limited-engaging-wars-multiple-fronts-buy","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1171608797","content_text":"SummaryShopee is taking a long-term approach by re-investing its margins to expand into new markets and pursue more market share.While Garena growth seems to be tapering down, we do not think its growth has peaked yet due to its strong monetization capabilities in the U.S and others.SeaMoney is intentionally ramping up its sales and marketing efforts to drive more adoption to ShopeePay, and that is temporarily suppressing its margins.Using a sum-of-parts valuation, the intrinsic value of the business is $341.33, a 55% upside from the current share price.Wachiwit/iStock Editorial via Getty ImagesOverviewSea Limited is an internet platform company that consists of three main business segments – Garena (digital entertainment), Shopee (e-commerce), and SeaMoney (digital financial services). Throughout the years, Sea Limited has been reinvesting aggressively into their business to capture market share rapidly and grow their user base in every region. Starting out from Singapore, they have since achieved a respectable presence in Southeast Asia, Taiwan, and most recently in Latin America. In this article, we will be unpacking Sea Limited Q3’21 results, as we share our thoughts on the quarter. Do also head to the previous article we have written for Sea Limited.GarenaSource: Sea Quarterly ReportIn Q3’21, Garena’s quarterly active users (“QAU”) grew 0.5% sequentially to 729 million, a slowdown in users growth due the law of large numbers. Bookings growth has also stagnated as a result. More users are increasingly transitioning into paying users as the paying user ratio (“PUR”) rose to 12.8%. Based on the low PUR, there is still a large opportunity to convert its existing user base into paying users.Source: Sea Quarterly ReportNext, Garena’s average revenue per paying user (“ARPPU”) continues to taper down to $12.88, and that is likely due to most users coming from India and Latin America with much lower spending power. We will not rule out the possibility that Garena may increase the pricing of its in-game items to increase its monetization. Over time, the two key metrics that we should be measuring closely are PUR and ARPPU, and both tell us whether Garena can improve its monetizing capabilities to sustain its growth rate.Source: SensortowerWhat is impressive during the quarter is that Garena Free Fire (“FF”) revenue per download (“RPD”) heavily surpassed its rivals in the United States, even though it has a much smaller user base. And despite PUBG re-launching in India in Q2'21, FF is still leading by the highest RPD, as well as app rankings, showing that it has better monetization capabilities than its peers. According to SensorTower, FF was also the top five most downloaded games worldwide for six consecutive quarters, and in Q3’21, it was ranked as top three. With the game nearing five years of operation, this removes any doubt that its growth has peaked, and it is well on its way to building an enduring franchise.Source: Free Fire TwitterGarena Free Fire Max, an enhanced version of the current FF game was also launched in the quarter. Interestingly, what caught our eye was the introduction of a new feature called “Craftland”, where FF offers a “platform” for users to unleash their creativity through creating their own maps and inviting their friends over to play. This helps to increase social interaction, engagements, and also the stickiness of the game. As of today, it has over 4.57 million downloads on Google Play Store and it has a high review of over 4 stars. If we head over to Youtube, there are plenty of videos related to “Craftland”, showing how well received it is by the FF community. Looking ahead, Garena seeks to introduce more content, features, modes, and gameplays to sustain its existing strong base of users.On top of that, Garena’s strong global presence has also received accelerated interest from worldwide studios looking to partner up with them, and management states that they are working on new ideas in the pipeline.ShopeeExpansion into other marketsSource: Shopee IndiaShopee has also expanded into multiple markets, including France,Poland,Spain,India, and also Argentina. If we head to the websites, there are a few common traits that we observed, and that is Shopee replicating its playbook by giving out free shipping, free commission (to sellers), cashback, and vouchers across its platform to entice users to use the platform and to spur the flywheel effect. This has proven to work in countries in SEA and Brazil, as evident from its market leadership.Operating and Financial MetricsSource: Sea Quarterly ReportShopee recorded a growth rate of 80% which saw its GMV reach US$16.8 billion. Recently, Alibaba (NYSE:BABA) has disclosed the LTM revenue of Lazada, which is US$21 billion, up 60% YOY. By comparison, Shopee LTM GMV grew 90% YOY to $US56 billion, heavily surpassing that of its rival.There are also signs of improving monetization as the take-rate increased sequentially to 8.93% during the quarter. As Shopee scales larger over time, it has the ability to increase its take-rate without losing its sellers as it is able to bring higher sales volume to its sellers than any other platform.Source: Sea Quarterly ReportBased on the total addressable market (“TAM”) of US$260 billion GMV, Shopee is the clear market leader with 21% of the TAM, followed by Lazada's 8%. This shows how quickly Shopee has been gobbling up market share, making it an undisputed leader in the region.Source: Google TrendData from Google Trend also shows that Shopee continues to lead ahead of Lazada and Tokopedia. Interestingly, Alibaba’s management has also laid out a goal to achieve a $US 100 billion GMV, although a timeline is not given. Alibaba is re-focusing its attention on the Southeast Asia market.Source: Sea Quarterly ReportShopee’s order volume grew 129% YOY, which is its ninth-consecutive quarter of triple-digit growth rate. By comparison, Lazada’s order growth rate was only 82%. This tells us that users are spending more on Shopee than Lazada, which is not surprising due to Shopee’s overwhelming consumers’ mindshare. To get an outlook into next quarter’s results, Shopee recorded 13 times more items sold on an average day in the first 2 hours of its 12.12 event promotion, revealing how successful the campaign was.Source: Sea Quarterly ReportThe average order value (\"AOV\") continues to decline to $9.88 in the quarter. In our view, this is not a cause for worry. In the newer markets that Shopee has expanded into, users tend to start with smaller purchases with lower AOV. Over time, as they established more trust with the platform, they will increasingly move towards purchasing higher-ticket items.Source: Sea Quarterly ReportTurning to profitability, Shopee’s gross profit margin (“GPM”) was 26.72%, compared to 31.94% in Q2’21. This was largely due to the higher cost of revenue in the quarter, including higher logistic costs associated with order growth and value-added services such as inventory management and fulfillment services provided to customers.Source: Sea Quarterly ReportSales and marketing expenses (“S&M”) expenses increased 124% YOY to $689 million, as Shopee ramp up its S&M efforts to capture more market share across its existing and new markets. As a result, S&M expenses as a % of GMV continue to fluctuate at 4.10%. Considering that some of its operating markets are in the early stages, investments may increase if the management spots any clear opportunities.Source: Sea Quarterly ReportAs a result of the lower gross profit and higher S&M expenses, Shopee’s adjusted loss per order fluctuates at a negative $0.40 in the quarter. This is notable considering Shopee entered many new countries with zero monetization, and took its profits from its matured markets to finance S&M expenses in the newer markets.This is supported by a statement by Chief Corporate Officer Wang in Q2 2021:In terms of positive EBITDA from Malaysia, again, we're very happy to report that Malaysia has become the second market to achieve positive EBITDA after Taiwan for our Shopee business. And of course, it is followed by the results of better monetization over time as well as improving operational efficiency over time. As we stressed before that the marketplace e-commerce model in terms of profitability is highly proven and with scale and strong market leadership and ability to deliver a clear and increasing value to our seller communities, we will be able to make a strong profit down the road. And this is basically generating value to our communities and, by that, will generate value to our shareholders as well.Battle with the IncumbentsWhile Shopee expands aggressively, it is also important to consider the competitive landscape across its markets, and that includes the incumbent Allegro, a 20-year-old well-established local e-commerce platform in Poland, and Mercado Libre, the biggest e-commerce platform across Latin America (“LATAM”), particularly in Brazil, Mexico, and Argentina.Latin AmericaAccording to Similarweb, Shopee’s web traffic is increasing steadily across LATAM, which include Colombia,Mexico, and Brazil, although MELI is leading by a wide margin.Top shopping app in Colombia, Source: SensorTowerHowever, based on the app rankings on SensorTower, Shopee has surpassed and overtook MELI as the top shopping app across Mexico,Chile, Colombia, and Brazil. This was accomplished within a span of 6 months, excluding its operation in Brazil.Source: InstagramAlternatively, we can also track their social media followers as this gives us a sense of Shopee’s brand awareness in the region. As of ending Dec 2021, it has more followers than Mercardo in Colombia and Brazil, with Chile and Mexico coming close.PolandFigure - Shopee is the #1 shopping app in Poland, Source: SensortowerSimilarly in Poland, Shopee follows the same footprint whereby Allegro’s (WSE:ALE) web traffic leads by a mile, but it was overtaken by Shopee as the number one shopping app, and this was achieved within 3 months since Shopee was launched. In addition, Shopee and Allegro have 12.8k and 68k Instagram followers, respectively.Although Allegro has over 10 million downloads on Google Play Store, this is insignificant considering that it is only a fraction of its total website visits of 222 million. This may suggest that there is lesser focus and emphasis on the mobile app.Shopee Concluding ThoughtsIt is not surprising to see this data surfaced because users in Poland and LATAM are more accustomed to shopping on the browser, and so there was much less emphasis on mobile. Therefore, Shopee leveraged its mobile-first approach, capitalizing on the opportunity and that has proven to be successful based on the data from third-party sources.While investors seem to be concerned that Shopee is fighting too many wars on its front, including its expansion into India, Argentina, and France, the management has demonstrated that they are capable enough to execute given its strong localization capabilities. This long-term approach to sacrifice short-term profitability and pursue additional market share are also well-aligned to the shareholders.Digital Finance - SeaMoneySource: Sea Quarterly ReportIn Q3’21, SeaMoney’s total payment volume (“TPV”) grew 119% YOY to reach $4.6 billion, and this was mainly driven by the increase in customers’ adoption of ShopeePay. There are also improvements in monetization as take-rate increased to 2.9% from 0.7% in Q3’20, and as a result, revenue grew at a staggering rate of over 800% YOY.Source: Own's GraphDuring the earnings call, the management also talked about an inherent flywheel effect in SeaMoney, that as more merchants join ShopeePay, the number of use cases increases. This encourages consumers to use ShopeePay and thus drives further adoption. When the user base grows larger and larger, more merchants expressed their interest to get on board, accelerating the acquisition on both sides (merchants and consumers) of the business. Users also get additional benefits such as cashback and vouchers, which help to spur the network effect. Over time, customer acquisition costs (“CAC”) will also come down as more users join organically.ShopeePay’s use cases include bill payments, contactless payment at offline retails, paying for taxi rides (i.e. partnership with Blue Bird Taxi in Indonesia), and many more.Source: Sea Quarterly ReportS&M expenses increased 65% YoY as SeaMoney drives more adoption to its mobile wallet business. However, S&M expenses as a % of TPV have reduced to 4.26% from 5.64% a year ago, showing sales efficiency as lower marketing spending are translating into higher revenue growth. If we add back the S&M expenses to its adjusted EBITDA, its normalized margin for this quarter is actually 27.8%. This shows that its margin is artificially depressed as the management is intentionally spending on S&M to grow its market share.Source: Sea Quarterly ReportAs of Q3’21, the number of quarterly paying users (“QPU”) reached 39.7 million, a 20% sequential growth from Q2’21. This existing user base is important as its digital bank is set to launch in 2022.Diving deeper, we can get a glimpse into the upcoming financial products that will be launched based on Linkedin’s job openings, and that includes insurance,wealth management,prepaid cards, and as well as credit services revolving around repayment loans and revolving credits. And in Sep 2021, SeaMoney also launched its digital bank app in Indonesia.RisksThe slowdown in Garena’s growth rateAs Garena’s growth starts to taper down, it is important for us to track whether the PUR and ARPPU are increasing over time as these tell us whether they are improving their monetization capabilities.However, we do not expect growth to decline drastically due to the highly engaging nature of the game, and as well as new ideas in the pipeline.Shopee aggressive expansion into new marketsShopee entry into new markets and the competitive pressure may accelerate its cash burn rate and erode its profit margin over time. However, we believe the risk is mitigated for a few reasons — due to the hefty $11.2 billion cash on its balance sheet, cash cow of Garena, and not to mention, Shopee is also profitable on a GPM basis.Going forward, we should track Shopee’s website traffic,app rankings,google trends,social media followings to see if these investments are translating into results.ValuationTo calculate the intrinsic value of Sea Group, we will be using the sum-of-the-parts (“SOTP”) valuation model and some comparables.Source: Morningstar, OutlookIndiaGarena ValuationSource: Own EstimatesTo determine a reasonable multiple to assign to Garena, we cross-reference to other gaming peers such as Electronic Arts (NASDAQ:EA) and Activision Blizzard (NASDAQ:ATVI), which are trading at roughly 18x multiple. Considering that both companies are growing much faster, and growth rate in Q3’21, an implied multiple of 18x and a forward growth rate of 25% are reasonable. Therefore, Garena is worth approximately $63.83 billion.Shopee ValuationLooking at comparable transactions of Flipkart, Tokopedia, and Lazada, along with assessing the quality of each business, we think of a fair multiple of EV/GMV as 1x.Source: Own EstimatesWith an implied EV/GMV of 1x, and a forward 100% growth rate on Shopee’s last 12 months (“LTM”) GMV of $56 billion, Shopee is worth $112.6 billion.SeaMoney ValuationSource: Own EstimatesReferencing from matured peers such as Paypal (NASDAQ: PYPL) with an operating margin of 25% and take-rate of 2.3%, we think that these financial metrics are achievable for SeaMoney. With a forward growth rate of 100% based on Q3’21 results, considering that it is still in the early stages and yet to launch its digital bank, this gives us an implied EV/TPV of 0.3x.Source: Own EstimatesWith an implied EV/TPV of 0.3x, and a growth of 100% on the annualized TPV (based on Q3’21 TPV), SeaMoney is worth $11 billion.Entire BusinessSource: Own EstimatesAfter calculating the individual business segments, this gives us a market cap of $196.9 billion for the entire business, after accounting for cash and debt. With shares outstanding of 576 million, after factoring in 4% dilution, this gives us an intrinsic value of $341.33 per share, a 55.4% upside from the current share price.ConclusionShopee continues to extend its market leadership position by pursuing new growth opportunities in new markets. While Shopee seems to be fighting too many wars on its front, it has demonstrated that it has strong localization capabilities and the know-how to expand overseas as Shopee tops the shopping app across Latin America and Poland within a short span of 3 to 6 months. However, the incumbents are still leading by website traffic, and it is still early to judge whether Shopee could be a real threat to its rivals.Next, while Garena’s growth seems to be slowing down, we do not think its growth has reached its peak because of its strong growth exhibited in the US, paying user ratio of only 12.8%, and potential games in the pipelines. With the management track record of creating highly engaging content on FF, we believe it can be an enduring franchise for years to come, with growth likely not to taper down so quickly.The management is intentionally suppressing SeaMoney’s margins by ramping up the S&M efforts to drive more adoption to its mobile wallet business. However, they have demonstrated sales efficiency as S&M as % of revenue is declining YOY. With the digital bank set to launch in Singapore in FY2022, we believe SeaMoney is still in the early stages of growth.Finally, based on our estimation, we believe Sea Group is worth $341.33 per share. This is a 55.4% upside from the current share price.This article was written by Superstocks Seekers.","news_type":1},"isVote":1,"tweetType":1,"viewCount":408,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":236063075205328,"gmtCreate":1698665286253,"gmtModify":1698665290732,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","crmLevel":7,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4094472714185500","authorIdStr":"4094472714185500"},"themes":[],"htmlText":"Time to fly high Sofi! 🚀&nbsp;","listText":"Time to fly high Sofi! 🚀&nbsp;","text":"Time to fly high Sofi! 🚀","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/236063075205328","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":412,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}