Profile - To The Moon

BabaFool

Posts · 19Posts · 19
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- BabaFoolBabaFool
  ·09-21
  Look out for sofi, it's gonna pop further than all the bank stocks after 50 bps interest rate cuts!
  143 Comment
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- BabaFoolBabaFool
  ·09-21
  $SOFI 20240920 8.0 PUT$
  142 Comment
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- BabaFoolBabaFool
  ·01-11
  Let's play monopoly!
  155 Comment
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- BabaFoolBabaFool
  ·01-09
  [Cool] [Miser] [Shy] [Happy] [Grin] [Sad] [Miser]
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- BabaFoolBabaFool
  ·01-05
  FYI article writter is just a reporter, doesn't have any sort of finance background at all. Garbage in garbage out.
  Sorry, this post has been deleted
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- BabaFoolBabaFool
  ·01-05
  Lol so the reason for downgrade is because shares rise too fast, this is a joke/hit piece to get more views. Price manipulation at its finest.
  SoFi Stock Tumbles on Downgrade. Lower Rates Might Not be a Good Thing
  By Emily DattiloSoFi Technologies stock fell sharply after one analyst team argued that shares have risen too far, too fast.Keefe, Bruyette & Woods analysts led by Mike Perito downgraded SoFi to Under
  SoFi Stock Tumbles on Downgrade. Lower Rates Might Not be a Good Thing
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- BabaFoolBabaFool
  ·01-02
  Gogogogogo yahoooo Huat Ah
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- BabaFoolBabaFool
  ·2023-12-29
  Letsss go happy new year' 🎆🎈
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- BabaFoolBabaFool
  ·2023-12-28
  Wooohoo great stuff. Happy new year!
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- BabaFoolBabaFool
  ·2022-06-20
  Lol what a dumb article. What has BNPL got to do with Sofi? Different product, different use case.
  Buy, Sell, Or Hold SoFi Stock After Apple’s Announcement?
  SoFi stock investors are panic again for a good reason: Apple
  Buy, Sell, Or Hold SoFi Stock After Apple’s Announcement?
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href=\"https://ttm.financial/OPT/SOFI 20240920 8.0 PUT\">$SOFI 20240920 8.0 PUT$</a>&nbsp;","listText":"<a href=\"https://ttm.financial/OPT/SOFI 20240920 8.0 PUT\">$SOFI 20240920 8.0 PUT$</a>&nbsp;","text":"$SOFI 20240920 8.0 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[Miser]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/261270972686384","isVote":1,"tweetType":1,"viewCount":325,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":259752627953832,"gmtCreate":1704426708000,"gmtModify":1704426712017,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":9,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3559961877824252","authorIdStr":"3559961877824252"},"themes":[],"htmlText":"FYI article writter is just a reporter, doesn't have any sort of finance background at all. Garbage in garbage out.","listText":"FYI article writter is just a reporter, doesn't have any sort of finance background at all. Garbage in garbage out.","text":"FYI article writter is just a reporter, doesn't have any sort of finance background at all. Garbage in garbage out.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/259752627953832","repostId":"2400540878","repostType":2,"isVote":1,"tweetType":1,"viewCount":265,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":259752372637856,"gmtCreate":1704426563791,"gmtModify":1704426568419,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":9,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3559961877824252","authorIdStr":"3559961877824252"},"themes":[],"htmlText":"Lol so the reason for downgrade is because shares rise too fast, this is a joke/hit piece to get more views. Price manipulation at its finest.","listText":"Lol so the reason for downgrade is because shares rise too fast, this is a joke/hit piece to get more views. Price manipulation at its finest.","text":"Lol so the reason for downgrade is because shares rise too fast, this is a joke/hit piece to get more views. Price manipulation at its finest.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/259752372637856","repostId":"2400540878","repostType":2,"repost":{"id":"2400540878","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1704425963,"share":"https://ttm.financial/m/news/2400540878?lang=&edition=fundamental","pubTime":"2024-01-05 11:39","market":"us","language":"en","title":"SoFi Stock Tumbles on Downgrade. Lower Rates Might Not be a Good Thing","url":"https://stock-news.laohu8.com/highlight/detail?id=2400540878","media":"Dow Jones","summary":"By Emily DattiloSoFi Technologies stock fell sharply after one analyst team argued that shares have risen too far, too fast.Keefe, Bruyette & Woods analysts led by Mike Perito downgraded SoFi to Under","content":"<html><head></head><body><p>By Emily Dattilo</p><p>SoFi Technologies stock fell sharply after one analyst team argued that shares have risen too far, too fast.</p><p>Keefe, Bruyette &amp; Woods analysts led by Mike Perito downgraded SoFi to Underperform from Market Perform, lowered revenue and adjusted earnings estimates, and trimmed their price target to $6.50 from $7.50 in a Tuesday report.</p><p>SoFi shares tumbled nearly 14% on Wednesday and rebounded 1% on Thursday. Competitors Upstart Holdings and Affirm slipped over 2%, and Enova International was little changed.</p><p>For context, SoFi began as a lender focused on refinancing student debt and it now operates through three segments: lending, which includes student, personal, and home loans; financial services; and a technology platform.</p><p>There are a few factors prompting the rating slash. First, SoFi shares have gained 43% since reporting third-quarter earnings, compared to a 30% jump from the KBW Nasdaq Financial Technology Index recorded over the same period of time. Second, analysts revised their revenue and adjusted earnings estimates for SoFi to below consensus.</p><p>&#34;SOFI&#39;s shares remain polarizing, but noise aside, anytime a growth stock is trading at premium valuations with 15-20% downside potential to consensus EBITDA, we believe a more cautious stance is appropriate,&#34; KBW wrote.</p><p>SoFi shares have rallied along with other equities on the notion that the Federal Reserve may begin cutting rates this year. But looking at the larger picture, this could actually weigh on earnings, thanks to the company&#39;s fair value accounting, analysts explained.</p><p>Here&#39;s the gist: SoFI sells off the loans it generates to other companies. It has marked up the value of the loans on its book to include the expected future resale price, interest, and fees, as Barron&#39;s reported last year . That can be risky when borrowing costs start to fall, KBW argued.</p><p>The team estimates that every quarter-point reduction to SoFi&#39;s fair-value mark for its held-for-sale loan portfolio equates directly to a $50 million drag on revenue, or five cents of earnings per share.</p><p>A few pennies might not sound like it can move the dial, but in this case, every cent matters. For its fourth fiscal quarter, management is aiming to report its first profit according to generally accepted accounting principles, and analysts have penciled in earnings of one cent a share, according to FactSet.</p><p>Investors don&#39;t have long to wait to see where the numbers land -- last year, the company posted its fourth fiscal quarter results in late January.</p></body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SoFi Stock Tumbles on Downgrade. Lower Rates Might Not be a Good Thing</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSoFi Stock Tumbles on Downgrade. Lower Rates Might Not be a Good Thing\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2024-01-05 11:39</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>By Emily Dattilo</p><p>SoFi Technologies stock fell sharply after one analyst team argued that shares have risen too far, too fast.</p><p>Keefe, Bruyette &amp; Woods analysts led by Mike Perito downgraded SoFi to Underperform from Market Perform, lowered revenue and adjusted earnings estimates, and trimmed their price target to $6.50 from $7.50 in a Tuesday report.</p><p>SoFi shares tumbled nearly 14% on Wednesday and rebounded 1% on Thursday. Competitors Upstart Holdings and Affirm slipped over 2%, and Enova International was little changed.</p><p>For context, SoFi began as a lender focused on refinancing student debt and it now operates through three segments: lending, which includes student, personal, and home loans; financial services; and a technology platform.</p><p>There are a few factors prompting the rating slash. First, SoFi shares have gained 43% since reporting third-quarter earnings, compared to a 30% jump from the KBW Nasdaq Financial Technology Index recorded over the same period of time. Second, analysts revised their revenue and adjusted earnings estimates for SoFi to below consensus.</p><p>&#34;SOFI&#39;s shares remain polarizing, but noise aside, anytime a growth stock is trading at premium valuations with 15-20% downside potential to consensus EBITDA, we believe a more cautious stance is appropriate,&#34; KBW wrote.</p><p>SoFi shares have rallied along with other equities on the notion that the Federal Reserve may begin cutting rates this year. But looking at the larger picture, this could actually weigh on earnings, thanks to the company&#39;s fair value accounting, analysts explained.</p><p>Here&#39;s the gist: SoFI sells off the loans it generates to other companies. It has marked up the value of the loans on its book to include the expected future resale price, interest, and fees, as Barron&#39;s reported last year . That can be risky when borrowing costs start to fall, KBW argued.</p><p>The team estimates that every quarter-point reduction to SoFi&#39;s fair-value mark for its held-for-sale loan portfolio equates directly to a $50 million drag on revenue, or five cents of earnings per share.</p><p>A few pennies might not sound like it can move the dial, but in this case, every cent matters. For its fourth fiscal quarter, management is aiming to report its first profit according to generally accepted accounting principles, and analysts have penciled in earnings of one cent a share, according to FactSet.</p><p>Investors don&#39;t have long to wait to see where the numbers land -- last year, the company posted its fourth fiscal quarter results in late January.</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4535":"淡马锡持仓","BK4585":"ETF&股票定投概念","BK4561":"索罗斯持仓","ENVA":"易诺华","BK4551":"寇图资本持仓","BK4166":"消费信贷","SOFI":"SoFi Technologies Inc.","BK4588":"碎股","AFRM":"Affirm Holdings, Inc.","BK4549":"软银资本持仓","UPST":"Upstart Holdings, Inc."},"source_url":"https://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2400540878","content_text":"By Emily DattiloSoFi Technologies stock fell sharply after one analyst team argued that shares have risen too far, too fast.Keefe, Bruyette & Woods analysts led by Mike Perito downgraded SoFi to Underperform from Market Perform, lowered revenue and adjusted earnings estimates, and trimmed their price target to $6.50 from $7.50 in a Tuesday report.SoFi shares tumbled nearly 14% on Wednesday and rebounded 1% on Thursday. Competitors Upstart Holdings and Affirm slipped over 2%, and Enova International was little changed.For context, SoFi began as a lender focused on refinancing student debt and it now operates through three segments: lending, which includes student, personal, and home loans; financial services; and a technology platform.There are a few factors prompting the rating slash. First, SoFi shares have gained 43% since reporting third-quarter earnings, compared to a 30% jump from the KBW Nasdaq Financial Technology Index recorded over the same period of time. Second, analysts revised their revenue and adjusted earnings estimates for SoFi to below consensus.\"SOFI's shares remain polarizing, but noise aside, anytime a growth stock is trading at premium valuations with 15-20% downside potential to consensus EBITDA, we believe a more cautious stance is appropriate,\" KBW wrote.SoFi shares have rallied along with other equities on the notion that the Federal Reserve may begin cutting rates this year. But looking at the larger picture, this could actually weigh on earnings, thanks to the company's fair value accounting, analysts explained.Here's the gist: SoFI sells off the loans it generates to other companies. It has marked up the value of the loans on its book to include the expected future resale price, interest, and fees, as Barron's reported last year . That can be risky when borrowing costs start to fall, KBW argued.The team estimates that every quarter-point reduction to SoFi's fair-value mark for its held-for-sale loan portfolio equates directly to a $50 million drag on revenue, or five cents of earnings per share.A few pennies might not sound like it can move the dial, but in this case, every cent matters. For its fourth fiscal quarter, management is aiming to report its first profit according to generally accepted accounting principles, and analysts have penciled in earnings of one cent a share, according to FactSet.Investors don't have long to wait to see where the numbers land -- last year, the company posted its fourth fiscal quarter results in late January.","news_type":1},"isVote":1,"tweetType":1,"viewCount":265,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":258617142382608,"gmtCreate":1704172965426,"gmtModify":1704172969529,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":9,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3559961877824252","authorIdStr":"3559961877824252"},"themes":[],"htmlText":"Gogogogogo yahoooo Huat Ah","listText":"Gogogogogo yahoooo Huat Ah","text":"Gogogogogo yahoooo Huat Ah","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/258617142382608","isVote":1,"tweetType":1,"viewCount":193,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":257170251362560,"gmtCreate":1703819754170,"gmtModify":1703819758107,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":9,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3559961877824252","authorIdStr":"3559961877824252"},"themes":[],"htmlText":"Letsss go happy new year' 🎆🎈&nbsp;","listText":"Letsss go happy new year' 🎆🎈&nbsp;","text":"Letsss go happy new year' 🎆🎈","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/257170251362560","isVote":1,"tweetType":1,"viewCount":271,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":256889286258960,"gmtCreate":1703751012811,"gmtModify":1703751016956,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":9,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3559961877824252","authorIdStr":"3559961877824252"},"themes":[],"htmlText":"Wooohoo great stuff. Happy new year!","listText":"Wooohoo great stuff. Happy new year!","text":"Wooohoo great stuff. Happy new year!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/256889286258960","isVote":1,"tweetType":1,"viewCount":272,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9049066293,"gmtCreate":1655723741212,"gmtModify":1676535692897,"author":{"id":"3559961877824252","authorId":"3559961877824252","name":"BabaFool","avatar":"https://static.tigerbbs.com/0cb75c3b8a57909acdcd1ed9d8552d30","crmLevel":9,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3559961877824252","authorIdStr":"3559961877824252"},"themes":[],"htmlText":"Lol what a dumb article. What has BNPL got to do with Sofi? Different product, different use case.","listText":"Lol what a dumb article. What has BNPL got to do with Sofi? Different product, different use case.","text":"Lol what a dumb article. What has BNPL got to do with Sofi? Different product, different use case.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9049066293","repostId":"1149288828","repostType":2,"repost":{"id":"1149288828","pubTimestamp":1655714224,"share":"https://ttm.financial/m/news/1149288828?lang=&edition=fundamental","pubTime":"2022-06-20 16:37","market":"us","language":"en","title":"Buy, Sell, Or Hold SoFi Stock After Apple’s Announcement?","url":"https://stock-news.laohu8.com/highlight/detail?id=1149288828","media":"InvestorPlace","summary":"SoFi stock investors are panic again for a good reason: Apple","content":"<html><head></head><body><ul><li><b>Sofi Technologies</b> (NASDAQ:<b><u>SOFI</u></b>) investors fled after <b>Apple</b> (NASDAQ:<b><u>AAPL</u></b>) entered the buy now, pay later market</li><li>Fintech despair is real</li><li>SoFi may re-test the 52-week low of $4.82 and head lower</li></ul><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/fab8154a0c2bdfed3f15e221fb58c872\" tg-width=\"1024\" tg-height=\"576\" width=\"100%\" height=\"auto\"/><span>Source: Michael Vi / Shutterstock</span></p><p>When markets staged a late-month rally in May, <b>SoFi Technologies</b> (NASDAQ:<b><u>SOFI</u></b>) joined it. SoFi stock stalled at the 50-day moving average. Thisis a technical resistancewhere selling pressure ended the attempted breakout. <b>Apple’s</b> (NASDAQ:<b><u>AAPL</u></b>) aggressive promotion of Apple Pay last week spooked SoFi investors. The technology giant already offers convenient monthly payment options. Apple will not only charge zero interest, but it will also forgive customers who do not pay back. Furthermore, the credit rating for those customers will not fall because Apple will not report the non-payment.</p><p>Apple’s ambitions to increase adoption of Apple Pay casts doubt on SoFi, a fintech.</p><p><b>Fintech Sell-Off Drags SoFi Stock Lower</b></p><p>Apple’s BNPL announcement shocked investors exposed to credit services and fintech. Last week, <b>PayPal</b> (NASDAQ:<b><u>PYPL</u></b>), <b>Block</b> (NYSE:<b><u>SQ</u></b>), <b>Affirm Holdings</b> (NASDAQ:<b><u>AFRM</u></b>) and <b>Upstart Holdings</b> (NASDAQ:<b><u>UPST</u></b>) fell along with SoFi. Markets are adjusting for the substantial competitive risks ahead.</p><p>Credit balances financially stretched consumers. They have too much debt. They will need time to pay back the amount owed. BNPL will become a growing market. Before Apple announced the offering, markets thought that fintech would have an edge in the market. They bid shares of Affirm for over $176 late last year. PayPal stock traded as high as $310.16 in the last year before markets. Soon, investors realized faced a sharp slowdown in the electronic payment supplier’s core business.</p><p><b>SoFi Has No Moat</b></p><p>The bears are betting big against SoFi. The short float is 18% as negative investors believe SoFi’s business lacks a moat. To outflank established financial institutions like <b>Wells Fargo</b> (NYSE:<b><u>WFC</u></b>) or <b>Bank of America</b> (NYSE:<b><u>BAC</u></b>), SoFi needs above-average customer growth. As market conditions tighten, it will have higher marketing costs. For example, it must offer higher incentives and offer little to no service fees.</p><p>SoFi’s aggressive incentives will likely attract customers who are struggling financially. Conversely, banks have an established infrastructure to service new and existing customers. For example, they have staff to provide customer support in the branch or over the phone.</p><p>SoFi is among the many fintech firms with limited customer support services. Customers who need to talk to a service representative must do so online or through email. The response could take days.</p><p><b>Reduce SoFi From Here</b></p><p>Apple disrupted the fintech market with BNPL. It is willing to forgive customers who do not pay back, albeit only once. Still, customers enjoy that comfort in exchange for using Apple Pay.</p><p>Once attached to Apple Pay, customers have one less reason to sign up for SoFi’s services. Markets are preparing for the severe competition that SoFi faces from here.</p></body></html>","source":"lsy1606302653667","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Buy, Sell, Or Hold SoFi Stock After Apple’s Announcement?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nBuy, Sell, Or Hold SoFi Stock After Apple’s Announcement?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-06-20 16:37 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2022/06/buy-sell-or-hold-sofi-stock-after-apples-announcement/><strong>InvestorPlace</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Sofi Technologies (NASDAQ:SOFI) investors fled after Apple (NASDAQ:AAPL) entered the buy now, pay later marketFintech despair is realSoFi may re-test the 52-week low of $4.82 and head lowerSource: ...</p>\n\n<a href=\"https://investorplace.com/2022/06/buy-sell-or-hold-sofi-stock-after-apples-announcement/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://investorplace.com/2022/06/buy-sell-or-hold-sofi-stock-after-apples-announcement/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1149288828","content_text":"Sofi Technologies (NASDAQ:SOFI) investors fled after Apple (NASDAQ:AAPL) entered the buy now, pay later marketFintech despair is realSoFi may re-test the 52-week low of $4.82 and head lowerSource: Michael Vi / ShutterstockWhen markets staged a late-month rally in May, SoFi Technologies (NASDAQ:SOFI) joined it. SoFi stock stalled at the 50-day moving average. Thisis a technical resistancewhere selling pressure ended the attempted breakout. Apple’s (NASDAQ:AAPL) aggressive promotion of Apple Pay last week spooked SoFi investors. The technology giant already offers convenient monthly payment options. Apple will not only charge zero interest, but it will also forgive customers who do not pay back. Furthermore, the credit rating for those customers will not fall because Apple will not report the non-payment.Apple’s ambitions to increase adoption of Apple Pay casts doubt on SoFi, a fintech.Fintech Sell-Off Drags SoFi Stock LowerApple’s BNPL announcement shocked investors exposed to credit services and fintech. Last week, PayPal (NASDAQ:PYPL), Block (NYSE:SQ), Affirm Holdings (NASDAQ:AFRM) and Upstart Holdings (NASDAQ:UPST) fell along with SoFi. Markets are adjusting for the substantial competitive risks ahead.Credit balances financially stretched consumers. They have too much debt. They will need time to pay back the amount owed. BNPL will become a growing market. Before Apple announced the offering, markets thought that fintech would have an edge in the market. They bid shares of Affirm for over $176 late last year. PayPal stock traded as high as $310.16 in the last year before markets. Soon, investors realized faced a sharp slowdown in the electronic payment supplier’s core business.SoFi Has No MoatThe bears are betting big against SoFi. The short float is 18% as negative investors believe SoFi’s business lacks a moat. To outflank established financial institutions like Wells Fargo (NYSE:WFC) or Bank of America (NYSE:BAC), SoFi needs above-average customer growth. As market conditions tighten, it will have higher marketing costs. For example, it must offer higher incentives and offer little to no service fees.SoFi’s aggressive incentives will likely attract customers who are struggling financially. Conversely, banks have an established infrastructure to service new and existing customers. For example, they have staff to provide customer support in the branch or over the phone.SoFi is among the many fintech firms with limited customer support services. Customers who need to talk to a service representative must do so online or through email. The response could take days.Reduce SoFi From HereApple disrupted the fintech market with BNPL. It is willing to forgive customers who do not pay back, albeit only once. Still, customers enjoy that comfort in exchange for using Apple Pay.Once attached to Apple Pay, customers have one less reason to sign up for SoFi’s services. Markets are preparing for the severe competition that SoFi faces from here.","news_type":1},"isVote":1,"tweetType":1,"viewCount":429,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"4103864033944460","authorId":"4103864033944460","name":"PaperPlay","avatar":"https://community-static.tradeup.com/news/f9bd8cbd182d6cb24667a31115671409","crmLevel":4,"crmLevelSwitch":0,"idStr":"4103864033944460","authorIdStr":"4103864033944460"},"content":"Articles like this destroy retail investors investing experience if they depend on these.","text":"Articles like this destroy retail investors investing experience if they depend on these.","html":"Articles like this destroy retail investors investing experience if they depend on these."}],"imageCount":0,"langContent":"EN","totalScore":0}],"defaultTab":"posts","isTTM":true}