Mr里斯本 personal page - To The Moon

Mr里斯本

Mr里斯本

每个人心中都有一个價值

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2021-09-14

$Opendoor Technologies Inc(OPEN)$Today, OPEN marked their 44 markets to be another milestone changing the US property market [666]

2021-07-30

$8VIC(8VI.AU)$hey

2021-06-11

$AcuityAds Hldgs Inc.(ATY)$ no worries, this stock gonna spike to 200

2021-05-18

$Social Capital Hedosophia Holdings Corp. V(IPOE)$ to the mooooooooooon SoFi

2021-07-07

Great

Jefferies Top Growth Stocks to Buy Now May Be Huge Q3 Winners

2021-06-24

$Trade Desk Inc.(TTD)$$AcuityAds Hldgs Inc.(ATY)$ to the moon ?

2021-06-22

$Clover Health Corp(CLOV)$ to the 50 Moooooooon ?

2021-06-30

Great ariticle, would you like to share it?

SoFi Technologies: Tremendous Growth Potential For This Fintech Pioneer

2021-03-26

$Opendoor Technologies Inc(OPEN)$ fan loi lo

2021-09-13

Great ariticle, would you like to share it?

@CY_Ng:投資房地產的策略 - 馬來西亞篇

Go to Tiger App to see more news

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當你只有一間家，屋價漲了你也不能做什麼，因爲第一間家是自住的，漲了也不能賣。就因爲這一句話，我和家人談了談，最後和家人合資買了間公寓。到現在，屋價也是翻倍了。十年翻倍到底是不是一個好的投資？這每個人有不同的意見。如果對一個在股市賺很多錢的人來講是非常慢的，比如去年有很多人在一年裏股市中就賺了100%，房產對這類投資者來說是太慢了，十年才翻倍。但在我的角度來講，我是很滿意的，股市是有很高風險。高風險當然來着高回報（也有可能會虧錢）。房產雖然比股市慢，但對我來說穩。至少在過去15年裏屋價不成跌倒復增長。表面上看來好像是10年得到了100%回酬，其實並不是這麼算的。第二間家是和銀行貸款90%，其實只是拿出了10%頭期錢，再加上一些律師費，印花稅和用了一些裝修費。如果拿屋價10年起了兩百千，比較支出，回酬十年其實是接近500%。&nbsp;有些人會問我，那你每個月需要還銀行貸款把，","listText":"在馬來西亞華人社區裏，都流傳者一句話，”每個人一定要有瓦遮頭“。我不知道其實是馬來西亞還是全球華人都是有這個概念.無獨有偶的就是，哪裏有華人，哪裏的屋價都是很高。馬來西亞房產到底是個好投資嗎？房產其實是一個週期性的投資。屋價會在幾年裏高漲，然後幾年會在低成長階段。馬來西亞屋價指數2009年左右因爲美國次貸危機，馬來西亞房產價格成長率也跌到谷底，2009年後，屋價就去到了接下來5年的爆漲起。然後政府開始推出一些政策來把房地產投機冷卻，比如第三間房產最多隻能貸款70%，提高印花稅，提高RPGT Tax。屋價在2014年後增長就一直放緩到現在。去年因爲疫情，屋價增長還跌倒負增長。第一間買入的屋子，現在做着民宿我就剛巧在2009年用了43萬買入了第一套雙層樓排屋。我只能說我是非常幸運的買在了對的時機，屋價在短短几年裏漲了一倍，屋價漲到了90萬。在2010年，有一次和朋友聊天，朋友說了一句對我意義蠻深的一句話 - 當你只有一間家，屋價漲了你也不能做什麼，因爲第一間家是自住的，漲了也不能賣。就因爲這一句話，我和家人談了談，最後和家人合資買了間公寓。到現在，屋價也是翻倍了。十年翻倍到底是不是一個好的投資？這每個人有不同的意見。如果對一個在股市賺很多錢的人來講是非常慢的，比如去年有很多人在一年裏股市中就賺了100%，房產對這類投資者來說是太慢了，十年才翻倍。但在我的角度來講，我是很滿意的，股市是有很高風險。高風險當然來着高回報（也有可能會虧錢）。房產雖然比股市慢，但對我來說穩。至少在過去15年裏屋價不成跌倒復增長。表面上看來好像是10年得到了100%回酬，其實並不是這麼算的。第二間家是和銀行貸款90%，其實只是拿出了10%頭期錢，再加上一些律師費，印花稅和用了一些裝修費。如果拿屋價10年起了兩百千，比較支出，回酬十年其實是接近500%。&nbsp;有些人會問我，那你每個月需要還銀行貸款把，","text":"在馬來西亞華人社區裏，都流傳者一句話，”每個人一定要有瓦遮頭“。我不知道其實是馬來西亞還是全球華人都是有這個概念.無獨有偶的就是，哪裏有華人，哪裏的屋價都是很高。馬來西亞房產到底是個好投資嗎？房產其實是一個週期性的投資。屋價會在幾年裏高漲，然後幾年會在低成長階段。馬來西亞屋價指數2009年左右因爲美國次貸危機，馬來西亞房產價格成長率也跌到谷底，2009年後，屋價就去到了接下來5年的爆漲起。然後政府開始推出一些政策來把房地產投機冷卻，比如第三間房產最多隻能貸款70%，提高印花稅，提高RPGT Tax。屋價在2014年後增長就一直放緩到現在。去年因爲疫情，屋價增長還跌倒負增長。第一間買入的屋子，現在做着民宿我就剛巧在2009年用了43萬買入了第一套雙層樓排屋。我只能說我是非常幸運的買在了對的時機，屋價在短短几年裏漲了一倍，屋價漲到了90萬。在2010年，有一次和朋友聊天，朋友說了一句對我意義蠻深的一句話 - 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有些人會問我，那你每個月需要還銀行貸款把，","images":[{"img":"https://static.tigerbbs.com/1e4f1fff630d2357772399ea12eebc6e","width":"0","height":"0"},{"img":"https://static.tigerbbs.com/64f5f369d26deb66ff32fdc3d40388e1","width":"0","height":"0"},{"img":"https://static.tigerbbs.com/0aeb96bf14bffb2903e0b6a7c3ba89dc","width":"0","height":"0"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/888885187","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":4,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":2800,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":889982663,"gmtCreate":1631103531252,"gmtModify":1676530468089,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"Great ariticle, would you like to share it?","listText":"Great ariticle, would you like to share it?","text":"Great ariticle, would you like to share it?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/889982663","repostId":"880703049","repostType":1,"repost":{"id":880703049,"gmtCreate":1631077721481,"gmtModify":1676530461408,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/OPEN\">$Opendoor Technologies Inc(OPEN)$</a><a href=\"https://laohu8.com/S/Z\">$Zillow(Z)$</a>&nbsp; <a href=\"https://laohu8.com/S/EXPI\">$eXp World Holdings, Inc.(EXPI)$</a>&nbsp;OPEN業務大藍圖所規劃的裝修板塊，想不到1年以內就已經完整實踐&nbsp;[強]&nbsp;此次收購的夥伴不簡單，Skylight是行內著名的線上定製裝修專家，而Pro.com創始人則是熟知Amazon經營模式的精裝修專家＃說好的5年藍圖，僅1年就局部完成＃說好的轉虧爲盈，僅3個季度就交出成績＃房地產獨角獸&nbsp;[正經]&nbsp;","listText":"<a href=\"https://laohu8.com/S/OPEN\">$Opendoor Technologies Inc(OPEN)$</a><a href=\"https://laohu8.com/S/Z\">$Zillow(Z)$</a>&nbsp; <a href=\"https://laohu8.com/S/EXPI\">$eXp World Holdings, Inc.(EXPI)$</a>&nbsp;OPEN業務大藍圖所規劃的裝修板塊，想不到1年以內就已經完整實踐&nbsp;[強]&nbsp;此次收購的夥伴不簡單，Skylight是行內著名的線上定製裝修專家，而Pro.com創始人則是熟知Amazon經營模式的精裝修專家＃說好的5年藍圖，僅1年就局部完成＃說好的轉虧爲盈，僅3個季度就交出成績＃房地產獨角獸&nbsp;[正經]&nbsp;","text":"$Opendoor Technologies Inc(OPEN)$$Zillow(Z)$ $eXp World Holdings, Inc.(EXPI)$ OPEN業務大藍圖所規劃的裝修板塊，想不到1年以內就已經完整實踐 [強] 此次收購的夥伴不簡單，Skylight是行內著名的線上定製裝修專家，而Pro.com創始人則是熟知Amazon經營模式的精裝修專家＃說好的5年藍圖，僅1年就局部完成＃說好的轉虧爲盈，僅3個季度就交出成績＃房地產獨角獸 [正經]","images":[{"img":"https://static.tigerbbs.com/7e368b1b054e0eb0caf2dc9f9b69862e","width":"1200","height":"1511"},{"img":"https://static.tigerbbs.com/66f2b624f4fbe936780c18c131764662","width":"1200","height":"1107"},{"img":"https://static.tigerbbs.com/2578f965b3f84eaf224dc47c893d3a5d","width":"1200","height":"1061"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/880703049","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":3,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":2206,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":806933529,"gmtCreate":1627622888361,"gmtModify":1703493573835,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/8VI.AU\">$8VIC(8VI.AU)$</a>hey","listText":"<a href=\"https://laohu8.com/S/8VI.AU\">$8VIC(8VI.AU)$</a>hey","text":"$8VIC(8VI.AU)$hey","images":[{"img":"https://static.tigerbbs.com/021156727001e266d3a8ca63a744d7a5","width":"1200","height":"2133"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/806933529","isVote":1,"tweetType":1,"viewCount":4153,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":140821338,"gmtCreate":1625647518824,"gmtModify":1703745585735,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"Great&nbsp;","listText":"Great&nbsp;","text":"Great","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":2,"repostSize":0,"link":"https://ttm.financial/post/140821338","repostId":"1163143630","repostType":4,"repost":{"id":"1163143630","kind":"news","pubTimestamp":1625629159,"share":"https://ttm.financial/m/news/1163143630?lang=en_US&edition=fundamental","pubTime":"2021-07-07 11:39","market":"hk","language":"en","title":"Jefferies Top Growth Stocks to Buy Now May Be Huge Q3 Winners","url":"https://stock-news.laohu8.com/highlight/detail?id=1163143630","media":"24/7 wall street","summary":"The third quarter and the second half of 2021 are upon us, and with second-quarter earnings ready to explode onto the scene next week, it makes sense for investors to adjust portfolios in anticipation of the potential for some outstanding results. With last Friday’s solid jobs report coming in better than expected, in tandem with a country that is rapidly returning to work and normal, the economy is expected to surge the rest of the summer.e screened the Jefferies top growth stocks to buy this w","content":"<p>The third quarter and the second half of 2021 are upon us, and with second-quarter earnings ready to explode onto the scene next week, it makes sense for investors to adjust portfolios in anticipation of the potential for some outstanding results. With last Friday’s solid jobs report coming in better than expected, in tandem with a country that is rapidly returning to work and normal, the economy is expected to surge the rest of the summer.</p>\n<p>e screened the Jefferies top growth stocks to buy this week for ideas that fit into this very positive narrative and found three that look like outstanding growth ideas for most investors. With the first two weeks of July historically the best of the year, it makes sense to add growth stocks now that have the best potential upside.</p>\n<p>It is important to remember though that no single analyst report should be used as a sole basis for any buying or selling decision.</p>\n<p><a href=\"https://laohu8.com/S/GOOG\">Alphabet</a></p>\n<p>The search giant continues to expand and was the G in the FANG stocks before changing its name in 2015. <a href=\"https://laohu8.com/S/GOOGL\">Alphabet</a> Inc. (NASDAQ: GOOGL) is a global technology company focused on key areas such as search, advertising, operating systems and platforms, and enterprise and hardware products. The company generates revenue primarily by delivering online advertising and by selling apps and content on Google Play, as well as hardware products. <a href=\"https://laohu8.com/S/GOOG\">Alphabet</a> provides its products and services in more than 100 languages and in 190 countries, regions and territories.</p>\n<p><a href=\"https://laohu8.com/S/GOOGL\">Alphabet</a>&nbsp;offers performance and brand advertising services. It operates through Google and Other Bets segments. The Google segment includes principal internet products, such as search, ads, commerce, Maps, YouTube, Apps, Cloud, Android, Chrome and Google Play, as well as technical infrastructure and newer efforts, such as virtual reality.</p>\n<p>Analysts point to Google Cloud, which is the largest cloud infrastructure play and engages in more technology, infrastructure research and development in headcount and dollars than any other company does. That gives it the strength and wherewithal to compete with and differentiate itself from Amazon’s AWS and <a href=\"https://laohu8.com/S/MSFT\">Microsoft</a>’s Azure.</p>\n<p>The Jefferies report noted this:</p>\n<blockquote>\n We hosted an expert whose firm generates 60-70% of revenues from YouTube advertising. We highlighted that ad spend for the expert in the second quarter is up &gt;130% year-over-year while the third quarter is shaping up to be much bigger than expected. We forecast YouTube ad revs up 64% in the second quarter, up from 49% in the first quarter. Further, we noted that ad budgets for 2021 have finally firmed up and we see a shift away from linear TV into digital channels as a big driver. Additionally, we pointed out that the high opt-out rates among iOS users has made the audience less attractive and the expert has seen budgets on FB ads shift to the majority being Android devices instead of iOS due to better targetability. We continue to view Alphabet as a top large-cap pick.\n</blockquote>\n<p>The Jefferies price target for the stock is $2,850. The Wall Street consensus target is $2,750.07. The stock closed Friday trading at $2,505.15.</p>\n<p><a href=\"https://laohu8.com/S/COST\">Costco</a></p>\n<p>This has become the ultimate destination for the <a href=\"https://laohu8.com/S/AFG\">American</a> consumer regardless of the economy, and it stands to have a massive summer selling season.&nbsp;<a href=\"https://laohu8.com/S/COST\">Costco</a> Wholesale Corp. (NASDAQ: COST) has a unique business model. It operates membership warehouses, and it buys the majority of its merchandise directly from manufacturers, essentially cutting out the middleman. Costco sells in bulk but also at a lower price, thus fueling its rapid growth. With consumers having more free cash to spend as gasoline prices have dropped, this major retailer may continue to see large revenue gains.</p>\n<p>Costco remains <a href=\"https://laohu8.com/S/AONE\">one</a> of the few conventional retailers where metrics like store traffic, market share gains and a validated model could bode well for international growth and expansion. The company is largely unharmed by e-commerce, and it continues to add stores in strategically mapped out locations.</p>\n<p>Wall Street loves the company’s pricing authority on key items and the leading merchandising offerings, and the relatively new Costco co-branded card with <a href=\"https://laohu8.com/S/V\">Visa</a> is a real positive. Add in the company’s growing online presence and the future looks bright.&nbsp;The analysts said this:</p>\n<blockquote>\n We took a deeper look into our May 2021 club consumer survey at company and cohort-specific levels, as well as broader industry trends. Additionally, we recently spoke with the management teams of BJ’s Costco and Walmart. Our takeaways include: 1) the pandemic is driving higher engagement/spend across cohorts; 2) we view increasing gen merch/services as key to extending spending; 3) omni-channel efforts vary by retailer and the consumer is still deciding; and 4) more and bigger streamlining tech is coming.\n</blockquote>\n<p>Costco shareholders receive a 0.80% dividend. Jefferies has a $445 price target, and the consensus target is $408.41. The shares closed on Friday at $398.94.</p>\n<p>This has long been a Wall Street favorite, and it continues to deliver solid results.&nbsp;<a href=\"https://laohu8.com/S/PYPL\">PayPal</a> Holdings Inc. (NASDAQ: PYPL) operates as a technology platform company that enables digital and mobile payments on behalf of consumers and merchants worldwide.</p>\n<p>The company enables businesses of various sizes to accept payments from merchant websites, mobile devices and applications, as well as at offline retail locations through a range of payment solutions across its payments platform, including PayPal, PayPal Credit, Venmo and Braintree products.</p>\n<p>PayPal’s platform allows customers to pay and be paid, withdraw funds to their bank accounts and hold balances in their PayPal accounts in various currencies.</p>\n<p>Jefferies is very positive on the company:</p>\n<blockquote>\n On August 2nd, pricing for PayPal Checkout, Pay With Venmo, Pay in 4, and PayPal Credit will increase to 3.49% + $0.49 for US small- to mid-sized businesses (SMB) merchants, up from 2.9% +$0.30 currently. We estimate 6-7% of total payment volume is US SMB branded volume and will be affected by the price increase. Meanwhile, volume-based pricing on “unbranded” volume will be lowered to 2.59% (from 2.90%) in a move we believe is aimed at Stripe. We believe the impact is baked into the fiscal year 2021 guide, but estimate the price hikes adding ~3% of top-line growth in fiscal year 2022 and 2023. As a result, we took our estimates through 2023 slightly higher, but assume management reinvests a portion of the pricing tailwind back into the business.\n</blockquote>\n<p>The $340 Jefferies price target compares with the $314.04 consensus target and Friday’s closing share price of $290.24.</p>\n<p>These three companies are dominant in their respective business silos and poised not only to post solid second-quarter results, but each has very promising runaways for the rest of 2021 and beyond. Growth stock investors with long-term time horizons may want to consider buying shares now.</p>","source":"lsy1620372341666","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>Jefferies Top Growth Stocks to Buy Now May Be Huge Q3 Winners</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\">\nJefferies Top Growth Stocks to Buy Now May Be Huge Q3 Winners\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-07-07 11:39 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://247wallst.com/investing/2021/07/06/jefferies-top-growth-stocks-to-buy-now-may-be-huge-q3-winners/><strong>24/7 wall street</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The third quarter and the second half of 2021 are upon us, and with second-quarter earnings ready to explode onto the scene next week, it makes sense for investors to adjust portfolios in anticipation...</p>\n\n<a href=\"https://247wallst.com/investing/2021/07/06/jefferies-top-growth-stocks-to-buy-now-may-be-huge-q3-winners/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"GOOGL":"谷歌A","PYPL":"PayPal","GOOG":"谷歌","COST":"好市多"},"source_url":"https://247wallst.com/investing/2021/07/06/jefferies-top-growth-stocks-to-buy-now-may-be-huge-q3-winners/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1163143630","content_text":"The third quarter and the second half of 2021 are upon us, and with second-quarter earnings ready to explode onto the scene next week, it makes sense for investors to adjust portfolios in anticipation of the potential for some outstanding results. With last Friday’s solid jobs report coming in better than expected, in tandem with a country that is rapidly returning to work and normal, the economy is expected to surge the rest of the summer.\ne screened the Jefferies top growth stocks to buy this week for ideas that fit into this very positive narrative and found three that look like outstanding growth ideas for most investors. With the first two weeks of July historically the best of the year, it makes sense to add growth stocks now that have the best potential upside.\nIt is important to remember though that no single analyst report should be used as a sole basis for any buying or selling decision.\nAlphabet\nThe search giant continues to expand and was the G in the FANG stocks before changing its name in 2015. Alphabet Inc. (NASDAQ: GOOGL) is a global technology company focused on key areas such as search, advertising, operating systems and platforms, and enterprise and hardware products. The company generates revenue primarily by delivering online advertising and by selling apps and content on Google Play, as well as hardware products. Alphabet provides its products and services in more than 100 languages and in 190 countries, regions and territories.\nAlphabet offers performance and brand advertising services. It operates through Google and Other Bets segments. The Google segment includes principal internet products, such as search, ads, commerce, Maps, YouTube, Apps, Cloud, Android, Chrome and Google Play, as well as technical infrastructure and newer efforts, such as virtual reality.\nAnalysts point to Google Cloud, which is the largest cloud infrastructure play and engages in more technology, infrastructure research and development in headcount and dollars than any other company does. That gives it the strength and wherewithal to compete with and differentiate itself from Amazon’s AWS and Microsoft’s Azure.\nThe Jefferies report noted this:\n\n We hosted an expert whose firm generates 60-70% of revenues from YouTube advertising. We highlighted that ad spend for the expert in the second quarter is up >130% year-over-year while the third quarter is shaping up to be much bigger than expected. We forecast YouTube ad revs up 64% in the second quarter, up from 49% in the first quarter. Further, we noted that ad budgets for 2021 have finally firmed up and we see a shift away from linear TV into digital channels as a big driver. Additionally, we pointed out that the high opt-out rates among iOS users has made the audience less attractive and the expert has seen budgets on FB ads shift to the majority being Android devices instead of iOS due to better targetability. We continue to view Alphabet as a top large-cap pick.\n\nThe Jefferies price target for the stock is $2,850. The Wall Street consensus target is $2,750.07. The stock closed Friday trading at $2,505.15.\nCostco\nThis has become the ultimate destination for the American consumer regardless of the economy, and it stands to have a massive summer selling season. Costco Wholesale Corp. (NASDAQ: COST) has a unique business model. It operates membership warehouses, and it buys the majority of its merchandise directly from manufacturers, essentially cutting out the middleman. Costco sells in bulk but also at a lower price, thus fueling its rapid growth. With consumers having more free cash to spend as gasoline prices have dropped, this major retailer may continue to see large revenue gains.\nCostco remains one of the few conventional retailers where metrics like store traffic, market share gains and a validated model could bode well for international growth and expansion. The company is largely unharmed by e-commerce, and it continues to add stores in strategically mapped out locations.\nWall Street loves the company’s pricing authority on key items and the leading merchandising offerings, and the relatively new Costco co-branded card with Visa is a real positive. Add in the company’s growing online presence and the future looks bright. The analysts said this:\n\n We took a deeper look into our May 2021 club consumer survey at company and cohort-specific levels, as well as broader industry trends. Additionally, we recently spoke with the management teams of BJ’s Costco and Walmart. Our takeaways include: 1) the pandemic is driving higher engagement/spend across cohorts; 2) we view increasing gen merch/services as key to extending spending; 3) omni-channel efforts vary by retailer and the consumer is still deciding; and 4) more and bigger streamlining tech is coming.\n\nCostco shareholders receive a 0.80% dividend. Jefferies has a $445 price target, and the consensus target is $408.41. The shares closed on Friday at $398.94.\nThis has long been a Wall Street favorite, and it continues to deliver solid results. PayPal Holdings Inc. (NASDAQ: PYPL) operates as a technology platform company that enables digital and mobile payments on behalf of consumers and merchants worldwide.\nThe company enables businesses of various sizes to accept payments from merchant websites, mobile devices and applications, as well as at offline retail locations through a range of payment solutions across its payments platform, including PayPal, PayPal Credit, Venmo and Braintree products.\nPayPal’s platform allows customers to pay and be paid, withdraw funds to their bank accounts and hold balances in their PayPal accounts in various currencies.\nJefferies is very positive on the company:\n\n On August 2nd, pricing for PayPal Checkout, Pay With Venmo, Pay in 4, and PayPal Credit will increase to 3.49% + $0.49 for US small- to mid-sized businesses (SMB) merchants, up from 2.9% +$0.30 currently. We estimate 6-7% of total payment volume is US SMB branded volume and will be affected by the price increase. Meanwhile, volume-based pricing on “unbranded” volume will be lowered to 2.59% (from 2.90%) in a move we believe is aimed at Stripe. We believe the impact is baked into the fiscal year 2021 guide, but estimate the price hikes adding ~3% of top-line growth in fiscal year 2022 and 2023. As a result, we took our estimates through 2023 slightly higher, but assume management reinvests a portion of the pricing tailwind back into the business.\n\nThe $340 Jefferies price target compares with the $314.04 consensus target and Friday’s closing share price of $290.24.\nThese three companies are dominant in their respective business silos and poised not only to post solid second-quarter results, but each has very promising runaways for the rest of 2021 and beyond. Growth stock investors with long-term time horizons may want to consider buying shares now.","news_type":1,"symbols_score_info":{"PYPL":0.9,"GOOGL":0.9,"COST":0.9,"GOOG":0.9}},"isVote":1,"tweetType":1,"viewCount":3704,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":153015002,"gmtCreate":1624985147606,"gmtModify":1703849605875,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"Great ariticle, would you like to share it?","listText":"Great ariticle, would you like to share it?","text":"Great ariticle, would you like to share it?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/153015002","repostId":"1197650718","repostType":2,"repost":{"id":"1197650718","kind":"news","pubTimestamp":1624971204,"share":"https://ttm.financial/m/news/1197650718?lang=en_US&edition=fundamental","pubTime":"2021-06-29 20:53","market":"us","language":"en","title":"SoFi Technologies: Tremendous Growth Potential For This Fintech Pioneer","url":"https://stock-news.laohu8.com/highlight/detail?id=1197650718","media":"seekingalpha","summary":"Summary\n\nFintech company SoFi is the newest kid on Wall Street after coming public through a SPAC me","content":"<p><b>Summary</b></p>\n<ul>\n <li>Fintech company SoFi is the newest kid on Wall Street after coming public through a SPAC merger with Social Capital Hedosophia Holdings Corp. V in early June.</li>\n <li>The stock is still very much in price discovery mode and shares remain volatile as they dropped around 15% during the past 3 trading days.</li>\n <li>With a forecasted 43% topline CAGR until 2025, SoFi has one of the strongest growth prospects in the fintech industry, led by its Banking-as-a-service and financial services segments.</li>\n <li>We believe SoFi can meet or even exceed its forecasted CAGR which should move the company‘s valuation closer to between $30 to $40bn until 2025.</li>\n <li>We illustrate possible valuation scenarios for 2025 below.</li>\n</ul>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/b5f3ab455f8b2c1956c4124771b084d9\" tg-width=\"768\" tg-height=\"400\"><span>ipopba/iStock via Getty Images</span></p>\n<p><b>Summary</b></p>\n<p>SoFi Technologies (SOFI) hit the public markets through a SPAC merger with Social Capital Hedosophia Holdings Corp. V led by famous financier Chamath Palihapitiya. There isn’t much information coming from SoFi‘s charts so far as the stock just went public under the ticker SOFI in early June and is still very much in price discovery mode. Shares havetraded in a range between $15 and $25 for the past months but saw significant declines during the past 3 trading days. Shares are now down almost 15% in a week at the closing price of around $19/share on June 28th, but shares were actually down to a multi-week intraday low of $17.65 / share. Currently, SoFi trades at a valuation of around $15 billion based on 800 million shares outstanding as of this writing.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/c9a56d3d597be092103690da21963222\" tg-width=\"635\" tg-height=\"417\"><span>Data by YCharts</span></p>\n<p>Investors should be aware that much of the recent declines can be attributed to a big lock-up expiration that commenced on Monday, 28th June.</p>\n<p>Lock-up expirations generally put pressure on a stock for the short-term, especially as early-stage shareholders are finally allowed to offload shares on the public markets. It is interesting to see that&nbsp;Rosenblatt Securities’ analyst Sean Horgan put a $30 price target on SoFi&nbsp;and reiterated that the short-term term headwinds create a potential long-term buying opportunity:</p>\n<blockquote>\n We see a unique buying opportunity as a result of this recent selling and ahead of a potentially significant upside catalyst (bank charter approval). Pressure from early investors taking profits (and short-selling ahead of the lock-up expiration) are likely to weigh on the stock in the near term. However, we expect SOFI's bank charter approval process to conclude before year-end (adding &gt;25% upside to our EBITDA estimates).\n</blockquote>\n<p>We could not agree more. As much as SoFi stock has been trending downwards, the underlying company is showing all signs of a robust business with strong growth prospects. In fact, we believe that at a current valuation of $15bn, SoFi could grow into a much larger valuation of around $30 to $40 billion until 2025, if not higher, based on our modelling: the following assumptions:</p>\n<ul>\n <li>SoFi can generate at least $5bn in revenues by 2025, supported by a bank charter.</li>\n <li>This boosts incremental revenues until 2025 by $3 to $3.9bn at an average weighted EBIDTA margin of 25,5% for 2021 to 2025.</li>\n <li>We take a more conservative revenue multiple closer towards Square’s (SQ) roughly 8x TTM P/S ratio.</li>\n <li>We apply a 25x EBIDTA multiple in 2025 (for comparison:Square‘s adjusted EBIDTA multiple is &gt;100x at the moment).</li>\n</ul>\n<p>Based on this back-of-the-envelope math SoFi could actually exceed the $5bn in total revenue with a bank charter, and based on P/S and adjusted EBIDTA multiples, this gets us to a market cap of around $40bn by 2025 if the bank charter is granted.</p>\n<p>But even at the conservative end of the current 2025 revenue guidance of $3.7bn (without a bank charter) and with $1.177bn in adjusted EBIDTA for 2025 and a 25x EBIDTA multiple, the company should be able to get close to a $30bn market cap, implying a double from current levels by 2025, or a 20-25% average annual return in the base case.</p>\n<p><b>What Makes SoFi So Special?</b></p>\n<p>SoFi operates a financial technology platform that generates revenue from3 core segments: Lending, its fintech or banking-as-a-service platform Galileo, and financial services. The product portfolio covers a wide range of services, including personal, student, and home loans, stock and crypto investing, credit card issuing with direct cash back, money management, as well as fintech or Banking-as-a-service through Galileo‘s technology platform.</p>\n<p><img src=\"https://static.tigerbbs.com/9afc6f106d27bd69042a403b884ad690\" tg-width=\"640\" tg-height=\"193\" referrerpolicy=\"no-referrer\"></p>\n<p>The breadth of SoFi’s offering is really impressive and leaves competition far behind. There is no offering that combines all these services in a standalone app. The SoFi platform is kind of a „super-app“ for all things financial-related as it offers a full suite of financial products. This is a compelling argument by which SoFi should be able to pull a large share of customers from legacy banks, from which the top 10 hold ~50% of consumer’s 500M+ bank accounts in the US. A large pie up for grab especially if you consider that around 50% of Americans use more than 1 bank account to fulfill their needs due to the lack of an integrated financial one-stop shop on a digital platform.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/0f2908c5bdcbfea44f759f236c74a47a\" tg-width=\"640\" tg-height=\"302\"><span>Source:SoFi</span></p>\n<p><b>Financial Performance</b></p>\n<p>SoFi hit the public markets just about the right time when they reported accelerating growth across its business with a YoY increase in revenue of 151% to $216 million which easily beat management’s guidance of $190-195M with a 11-14% beat.</p>\n<ul>\n <li>SoFi's Lending segment generated $168 million in revenue and accounted for 76% of total revenue in Q1 2021 which was up 106% YoY.</li>\n <li>The Technology Platform segment generated around $46 million in revenue, which includes the fintech solution Galileo, with an astronomical growth rate of &gt;45x compared to just under $1 million in revenue in the year-ago quarter. Revenue from the segment accounted for 21% of total revenue.</li>\n <li>The financial services segment grew revenues by 200% YoY to $6.46 million.</li>\n</ul>\n<p>SoFi also reported strong customer growth with the&nbsp;7th consecutive quarter of YoY growth acceleration in total customers.</p>\n<p><img src=\"https://static.tigerbbs.com/60ebe27d9890719887b3a8da17e78e7a\" tg-width=\"640\" tg-height=\"292\" referrerpolicy=\"no-referrer\"></p>\n<p>The firm also doubled down on strengthening its technology platform by acquiring the fintech platform Galileo. Galileo is the backbone of almost the entire digital banking market in North America and&nbsp;serves around 70% of the top 100 fintech companies globally. Galileo is expected to be a major revenue driver for SoFi in the long-term. Galileo enables companies to build out their own financial products in payment, card issuing, and digital banking, amongst other functionalities.</p>\n<p>The Galileo platform saw the&nbsp;3rd quarter in a row of 100% YoY customer growth, which is quite impressive. That‘s a significant acceleration from the growth rates that Galileo saw back in 2019. The business combination fits nicely into the overall SoFi strategy of expanding the product portfolio, and with Galileo, SoFi is now also penetrating the business-to-business revenue stream right next to its consumer-facing offerings. The combination will likely also accelerate and expand SoFi’s existing products &amp; services to the 70M Galileo accounts, a nice cross-selling opportunity.</p>\n<p><img src=\"https://static.tigerbbs.com/474dac709b8fc7e503aa3e8846aa5d3a\" tg-width=\"640\" tg-height=\"291\" referrerpolicy=\"no-referrer\"></p>\n<p><b>Business Outlook</b></p>\n<p>SoFi also reiterated its previous guidance of $980 million in FY 2021 revenue, representing a 58% YoY growth rate. In the long-term, the company expects to generate $3.7bn in revenues by 2025 - and that‘s without the issuance of a bank charter which the company applied for very recently.</p>\n<p>SoFi&nbsp;separates its forecast into the 3 core revenue streams, as shown below. It is apparent that the Galileo technology offering and the financial services will contribute a much larger share of revenue by 2025 as they are expected to grow by a CAGR of 55% and 153% respectively until 2025, while the core lending business is expected to grow at a very robust CAGR of 25% until 2025.</p>\n<p><img src=\"https://static.tigerbbs.com/83abed6404328b77190a73b6c82d207d\" tg-width=\"640\" tg-height=\"342\"></p>\n<p>The company also&nbsp;guides for adjusted EBITDA of $1.177 billion by 2025, which would increase to around $1.5 billion with a bank charter, implying a roughly $1bn in additional revenue for 2025 alone from that bank charter at a 32% adjusted EBITDA margin that the company is projecting, or between an incremental $3 to $3.9bn in incremental revenue between 2021 and 2025 (based on author‘s own calculations, see below). The EBIDTA margin may actually be higher due to lower cost of capital with a bank charter, so that the forecasted incremental revenue add from the bank charter would be a bit less, hence the $3 to $3.9bn range.</p>\n<p><img src=\"https://static.tigerbbs.com/e887cd433fc526d65fc34c99827a8873\" tg-width=\"640\" tg-height=\"562\" referrerpolicy=\"no-referrer\"></p>\n<p>Assuming a bank charter is granted, we believe that SoFi can hit the $5bn revenue mark by 2025, if not exceed it. It is difficult to find another public company in the fintech space that is growing as quickly as SoFi does. Remember that SoFi grew revenues by 151% in the latest quarter and is forecasting 58% YoY growth for FY2021,and a 43% revenue CAGR until 2025.And that’s all without a bank charter, which would give a nice top-and bottom-line boost based on cheaper borrowing cost by which SoFi would be able to increase the number of loans, reduce operating costs and provide even better product competitiveness.</p>\n<p><b>Valuation Scenarios for 2025</b></p>\n<p>We believe that at a current valuation of $15bn, SoFi could grow into a much larger valuation of around $30 to $40 billion until 2025, if not higher, based on the following assumptions:</p>\n<ul>\n <li>SoFi can generate at least $5bn in revenues by 2025, supported by a bank charter, which could yield an incremental $1bn in EBIDTA by 2025, as forecasted by management.</li>\n <li>This would imply an incremental boost to revenues of around $1bn for 2025 alone at the forecasted 32% EBIDTA margin from SoFi's management, or between $3 to $3.9bn in incremental revenues from 2021 until 2025 at an average weighted EBIDTA margin of 25,5% from 2021 until 2025 (margin is calculated by the incremental EBIDTA add from the bank charter each year multiplied by the % share of incremental EBIDTA of $1bn for each year).</li>\n <li>We assume a re-rating of the revenue multiple closer towards Square’s (SQ) roughly 8x TTM P/S ratio (almost half the current multiple from SoFi) as revenue growth would still be quite strong at 25% to 30% in 2025.</li>\n <li>We apply a 25x EBIDTA multiple in 2025 (for comparison:Square's adjusted EBIDTA multiple is &gt;100x at the moment, so our assumption should be conservative).</li>\n</ul>\n<p>Based on this simplified back-of-the-envelope math SoFi could actually exceed the $5bn in revenue with a bank charter, and the company should at least be able to get to a $30bn, if not a $40bn valuation or higher. The assumptions get a bit messy here depending on the multiples you apply, but 8x on TTM sales or 25x on EBIDTA doesn‘t seem to be very overextended, especially if topline growth would still be at around 25 to 30% in 2025 for SoFi.</p>\n<p>But even at the conservative end of the current 2025 revenue guidance of $3.7bn (without a bank charter), that SoFi’s management is pulling up, coupled with a TTM P/S multiple of8x, or a 25x EBIDTA multiple the company should be able to get close to a $30bn market cap.</p>\n<p><b>Risks</b></p>\n<p>Obviously, competition is a key risk. SoFi operates in a very competitive industry with established players like PayPal (PYPL) and Square (SQ) as leaders in the field. But also the rise of so-called neobanks should be closely watched. If you look at&nbsp;slide 17 of the IPOE presentation&nbsp;from the SPAC merger, it shows that 296 neobanks have emerged in the last 10 years, which could all become serious competitors to SoFi in all product segments. Names include Stripe, Marqeta (MQ), N26, and many others.</p>\n<p>The one thing that should set SoFi apart is the breadth of its technology offering, as it is the only one-stop-shop for all financial-related aspects. Expanding its product offering, e.g. as SoFi recently did with the launch of auto loans, and driving the growth of its fintech backbone Galileo should do its part in keeping that moat. It was reported in that, in 2020, Galileo hat a&nbsp;95% market share in digital banking in North America with 70 of the top 100 Fintech companies globally using Galileo&nbsp;as the core platform. This alone, together with the recent growth from Galileo (remember the 45.2x growth in Q1 2021 above) clearly illustrates that there is a strong moat.</p>\n<p>Another risk to keep in mind is the lock-up expiration that hit the stock on 28th June which could create further short-term downward pressure on the stock as early-stage investors are taking some profits.</p>\n<p><b>Conclusion</b></p>\n<p>In summary, SoFi’s technology platform and breadth of offerings is one of the most compelling in the fintech space. Current numbers, growth prospects and management are exceptionally strong. Following recent stock price declines SoFi trades for around 15 times this year‘s projected revenues of $980 million - not a cheap valuation - but with a view to a potential $5bn in revenues by 2025, supported by a bank charter, the stock doesn’t actually look very overextended to us at these levels, Even at the lower-end of the 2025 revenue guidance of $3.7bn (without a bank charter), coupled with a re-rating of the revenue multiple closer towards 8x TTM P/S ratio (almost half the current multiple), or a 25x EBIDTA multiple, the company should move closer towards a $30bn valuation, which would be a double from current levels by 2025, or a 20-25% average annual return. We agree that the bank charter would be key to further upside on the base scenario, and we believe that SoFi can get there. We have initiated a small long-term position around $19 / share.</p>","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: Tremendous Growth Potential For This Fintech Pioneer</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: Tremendous Growth Potential For This Fintech Pioneer\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-29 20:53 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4437031-sofi-technologies-stock-tremendous-growth-potential-for-this-fintech-pioneer><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Summary\n\nFintech company SoFi is the newest kid on Wall Street after coming public through a SPAC merger with Social Capital Hedosophia Holdings Corp. V in early June.\nThe stock is still very much in ...</p>\n\n<a href=\"https://seekingalpha.com/article/4437031-sofi-technologies-stock-tremendous-growth-potential-for-this-fintech-pioneer\">Source 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://seekingalpha.com/article/4437031-sofi-technologies-stock-tremendous-growth-potential-for-this-fintech-pioneer","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1197650718","content_text":"Summary\n\nFintech company SoFi is the newest kid on Wall Street after coming public through a SPAC merger with Social Capital Hedosophia Holdings Corp. V in early June.\nThe stock is still very much in price discovery mode and shares remain volatile as they dropped around 15% during the past 3 trading days.\nWith a forecasted 43% topline CAGR until 2025, SoFi has one of the strongest growth prospects in the fintech industry, led by its Banking-as-a-service and financial services segments.\nWe believe SoFi can meet or even exceed its forecasted CAGR which should move the company‘s valuation closer to between $30 to $40bn until 2025.\nWe illustrate possible valuation scenarios for 2025 below.\n\nipopba/iStock via Getty Images\nSummary\nSoFi Technologies (SOFI) hit the public markets through a SPAC merger with Social Capital Hedosophia Holdings Corp. V led by famous financier Chamath Palihapitiya. There isn’t much information coming from SoFi‘s charts so far as the stock just went public under the ticker SOFI in early June and is still very much in price discovery mode. Shares havetraded in a range between $15 and $25 for the past months but saw significant declines during the past 3 trading days. Shares are now down almost 15% in a week at the closing price of around $19/share on June 28th, but shares were actually down to a multi-week intraday low of $17.65 / share. Currently, SoFi trades at a valuation of around $15 billion based on 800 million shares outstanding as of this writing.\nData by YCharts\nInvestors should be aware that much of the recent declines can be attributed to a big lock-up expiration that commenced on Monday, 28th June.\nLock-up expirations generally put pressure on a stock for the short-term, especially as early-stage shareholders are finally allowed to offload shares on the public markets. It is interesting to see that Rosenblatt Securities’ analyst Sean Horgan put a $30 price target on SoFi and reiterated that the short-term term headwinds create a potential long-term buying opportunity:\n\n We see a unique buying opportunity as a result of this recent selling and ahead of a potentially significant upside catalyst (bank charter approval). Pressure from early investors taking profits (and short-selling ahead of the lock-up expiration) are likely to weigh on the stock in the near term. However, we expect SOFI's bank charter approval process to conclude before year-end (adding >25% upside to our EBITDA estimates).\n\nWe could not agree more. As much as SoFi stock has been trending downwards, the underlying company is showing all signs of a robust business with strong growth prospects. In fact, we believe that at a current valuation of $15bn, SoFi could grow into a much larger valuation of around $30 to $40 billion until 2025, if not higher, based on our modelling: the following assumptions:\n\nSoFi can generate at least $5bn in revenues by 2025, supported by a bank charter.\nThis boosts incremental revenues until 2025 by $3 to $3.9bn at an average weighted EBIDTA margin of 25,5% for 2021 to 2025.\nWe take a more conservative revenue multiple closer towards Square’s (SQ) roughly 8x TTM P/S ratio.\nWe apply a 25x EBIDTA multiple in 2025 (for comparison:Square‘s adjusted EBIDTA multiple is >100x at the moment).\n\nBased on this back-of-the-envelope math SoFi could actually exceed the $5bn in total revenue with a bank charter, and based on P/S and adjusted EBIDTA multiples, this gets us to a market cap of around $40bn by 2025 if the bank charter is granted.\nBut even at the conservative end of the current 2025 revenue guidance of $3.7bn (without a bank charter) and with $1.177bn in adjusted EBIDTA for 2025 and a 25x EBIDTA multiple, the company should be able to get close to a $30bn market cap, implying a double from current levels by 2025, or a 20-25% average annual return in the base case.\nWhat Makes SoFi So Special?\nSoFi operates a financial technology platform that generates revenue from3 core segments: Lending, its fintech or banking-as-a-service platform Galileo, and financial services. The product portfolio covers a wide range of services, including personal, student, and home loans, stock and crypto investing, credit card issuing with direct cash back, money management, as well as fintech or Banking-as-a-service through Galileo‘s technology platform.\n\nThe breadth of SoFi’s offering is really impressive and leaves competition far behind. There is no offering that combines all these services in a standalone app. The SoFi platform is kind of a „super-app“ for all things financial-related as it offers a full suite of financial products. This is a compelling argument by which SoFi should be able to pull a large share of customers from legacy banks, from which the top 10 hold ~50% of consumer’s 500M+ bank accounts in the US. A large pie up for grab especially if you consider that around 50% of Americans use more than 1 bank account to fulfill their needs due to the lack of an integrated financial one-stop shop on a digital platform.\nSource:SoFi\nFinancial Performance\nSoFi hit the public markets just about the right time when they reported accelerating growth across its business with a YoY increase in revenue of 151% to $216 million which easily beat management’s guidance of $190-195M with a 11-14% beat.\n\nSoFi's Lending segment generated $168 million in revenue and accounted for 76% of total revenue in Q1 2021 which was up 106% YoY.\nThe Technology Platform segment generated around $46 million in revenue, which includes the fintech solution Galileo, with an astronomical growth rate of >45x compared to just under $1 million in revenue in the year-ago quarter. Revenue from the segment accounted for 21% of total revenue.\nThe financial services segment grew revenues by 200% YoY to $6.46 million.\n\nSoFi also reported strong customer growth with the 7th consecutive quarter of YoY growth acceleration in total customers.\n\nThe firm also doubled down on strengthening its technology platform by acquiring the fintech platform Galileo. Galileo is the backbone of almost the entire digital banking market in North America and serves around 70% of the top 100 fintech companies globally. Galileo is expected to be a major revenue driver for SoFi in the long-term. Galileo enables companies to build out their own financial products in payment, card issuing, and digital banking, amongst other functionalities.\nThe Galileo platform saw the 3rd quarter in a row of 100% YoY customer growth, which is quite impressive. That‘s a significant acceleration from the growth rates that Galileo saw back in 2019. The business combination fits nicely into the overall SoFi strategy of expanding the product portfolio, and with Galileo, SoFi is now also penetrating the business-to-business revenue stream right next to its consumer-facing offerings. The combination will likely also accelerate and expand SoFi’s existing products & services to the 70M Galileo accounts, a nice cross-selling opportunity.\n\nBusiness Outlook\nSoFi also reiterated its previous guidance of $980 million in FY 2021 revenue, representing a 58% YoY growth rate. In the long-term, the company expects to generate $3.7bn in revenues by 2025 - and that‘s without the issuance of a bank charter which the company applied for very recently.\nSoFi separates its forecast into the 3 core revenue streams, as shown below. It is apparent that the Galileo technology offering and the financial services will contribute a much larger share of revenue by 2025 as they are expected to grow by a CAGR of 55% and 153% respectively until 2025, while the core lending business is expected to grow at a very robust CAGR of 25% until 2025.\n\nThe company also guides for adjusted EBITDA of $1.177 billion by 2025, which would increase to around $1.5 billion with a bank charter, implying a roughly $1bn in additional revenue for 2025 alone from that bank charter at a 32% adjusted EBITDA margin that the company is projecting, or between an incremental $3 to $3.9bn in incremental revenue between 2021 and 2025 (based on author‘s own calculations, see below). The EBIDTA margin may actually be higher due to lower cost of capital with a bank charter, so that the forecasted incremental revenue add from the bank charter would be a bit less, hence the $3 to $3.9bn range.\n\nAssuming a bank charter is granted, we believe that SoFi can hit the $5bn revenue mark by 2025, if not exceed it. It is difficult to find another public company in the fintech space that is growing as quickly as SoFi does. Remember that SoFi grew revenues by 151% in the latest quarter and is forecasting 58% YoY growth for FY2021,and a 43% revenue CAGR until 2025.And that’s all without a bank charter, which would give a nice top-and bottom-line boost based on cheaper borrowing cost by which SoFi would be able to increase the number of loans, reduce operating costs and provide even better product competitiveness.\nValuation Scenarios for 2025\nWe believe that at a current valuation of $15bn, SoFi could grow into a much larger valuation of around $30 to $40 billion until 2025, if not higher, based on the following assumptions:\n\nSoFi can generate at least $5bn in revenues by 2025, supported by a bank charter, which could yield an incremental $1bn in EBIDTA by 2025, as forecasted by management.\nThis would imply an incremental boost to revenues of around $1bn for 2025 alone at the forecasted 32% EBIDTA margin from SoFi's management, or between $3 to $3.9bn in incremental revenues from 2021 until 2025 at an average weighted EBIDTA margin of 25,5% from 2021 until 2025 (margin is calculated by the incremental EBIDTA add from the bank charter each year multiplied by the % share of incremental EBIDTA of $1bn for each year).\nWe assume a re-rating of the revenue multiple closer towards Square’s (SQ) roughly 8x TTM P/S ratio (almost half the current multiple from SoFi) as revenue growth would still be quite strong at 25% to 30% in 2025.\nWe apply a 25x EBIDTA multiple in 2025 (for comparison:Square's adjusted EBIDTA multiple is >100x at the moment, so our assumption should be conservative).\n\nBased on this simplified back-of-the-envelope math SoFi could actually exceed the $5bn in revenue with a bank charter, and the company should at least be able to get to a $30bn, if not a $40bn valuation or higher. The assumptions get a bit messy here depending on the multiples you apply, but 8x on TTM sales or 25x on EBIDTA doesn‘t seem to be very overextended, especially if topline growth would still be at around 25 to 30% in 2025 for SoFi.\nBut even at the conservative end of the current 2025 revenue guidance of $3.7bn (without a bank charter), that SoFi’s management is pulling up, coupled with a TTM P/S multiple of8x, or a 25x EBIDTA multiple the company should be able to get close to a $30bn market cap.\nRisks\nObviously, competition is a key risk. SoFi operates in a very competitive industry with established players like PayPal (PYPL) and Square (SQ) as leaders in the field. But also the rise of so-called neobanks should be closely watched. If you look at slide 17 of the IPOE presentation from the SPAC merger, it shows that 296 neobanks have emerged in the last 10 years, which could all become serious competitors to SoFi in all product segments. Names include Stripe, Marqeta (MQ), N26, and many others.\nThe one thing that should set SoFi apart is the breadth of its technology offering, as it is the only one-stop-shop for all financial-related aspects. Expanding its product offering, e.g. as SoFi recently did with the launch of auto loans, and driving the growth of its fintech backbone Galileo should do its part in keeping that moat. It was reported in that, in 2020, Galileo hat a 95% market share in digital banking in North America with 70 of the top 100 Fintech companies globally using Galileo as the core platform. This alone, together with the recent growth from Galileo (remember the 45.2x growth in Q1 2021 above) clearly illustrates that there is a strong moat.\nAnother risk to keep in mind is the lock-up expiration that hit the stock on 28th June which could create further short-term downward pressure on the stock as early-stage investors are taking some profits.\nConclusion\nIn summary, SoFi’s technology platform and breadth of offerings is one of the most compelling in the fintech space. Current numbers, growth prospects and management are exceptionally strong. Following recent stock price declines SoFi trades for around 15 times this year‘s projected revenues of $980 million - not a cheap valuation - but with a view to a potential $5bn in revenues by 2025, supported by a bank charter, the stock doesn’t actually look very overextended to us at these levels, Even at the lower-end of the 2025 revenue guidance of $3.7bn (without a bank charter), coupled with a re-rating of the revenue multiple closer towards 8x TTM P/S ratio (almost half the current multiple), or a 25x EBIDTA multiple, the company should move closer towards a $30bn valuation, which would be a double from current levels by 2025, or a 20-25% average annual return. We agree that the bank charter would be key to further upside on the base scenario, and we believe that SoFi can get there. We have initiated a small long-term position around $19 / share.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"tweetType":1,"viewCount":2424,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":126936499,"gmtCreate":1624541792311,"gmtModify":1703839801167,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/TTD\">$Trade Desk Inc.(TTD)$</a><a href=\"https://laohu8.com/S/ATY\">$AcuityAds Hldgs Inc.(ATY)$</a>&nbsp;to the moon ?","listText":"<a href=\"https://laohu8.com/S/TTD\">$Trade Desk Inc.(TTD)$</a><a href=\"https://laohu8.com/S/ATY\">$AcuityAds Hldgs Inc.(ATY)$</a>&nbsp;to the moon ?","text":"$Trade Desk Inc.(TTD)$$AcuityAds Hldgs Inc.(ATY)$ to the moon ?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/126936499","isVote":1,"tweetType":1,"viewCount":2586,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":129665673,"gmtCreate":1624371368192,"gmtModify":1703834752546,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/CLOV\">$Clover Health Corp(CLOV)$</a>&nbsp;to the 50 Moooooooon ?","listText":"<a href=\"https://laohu8.com/S/CLOV\">$Clover Health Corp(CLOV)$</a>&nbsp;to the 50 Moooooooon ?","text":"$Clover Health Corp(CLOV)$ to the 50 Moooooooon ?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":0,"repostSize":1,"link":"https://ttm.financial/post/129665673","isVote":1,"tweetType":1,"viewCount":3227,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":160118839,"gmtCreate":1623774575321,"gmtModify":1703819157697,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"Yes","listText":"Yes","text":"Yes","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/160118839","repostId":"187779927","repostType":1,"repost":{"id":187779927,"gmtCreate":1623765435069,"gmtModify":1703818688356,"author":{"id":"3568850068984999","authorId":"3568850068984999","name":"Xlaofanshu","avatar":"https://static.tigerbbs.com/7ada2b2f4d664f1ad885059e311af9c2","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"3568850068984999","idStr":"3568850068984999"},"themes":[],"htmlText":"<a target=\"_blank\" href=\"https://laohu8.com/S/SKLZ\">$Skillz Inc(SKLZ)$</a> <a target=\"_blank\" href=\"https://laohu8.com/S/01337\">$Razer(01337)$</a> Nothing. Normal day to day movement. Just hold. Its Normal.","listText":"<a target=\"_blank\" href=\"https://laohu8.com/S/SKLZ\">$Skillz Inc(SKLZ)$</a> <a target=\"_blank\" href=\"https://laohu8.com/S/01337\">$Razer(01337)$</a> Nothing. Normal day to day movement. Just hold. Its Normal.","text":"$Skillz Inc(SKLZ)$ $Razer(01337)$ Nothing. Normal day to day movement. Just hold. Its Normal.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/187779927","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":2212,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":187292219,"gmtCreate":1623754597931,"gmtModify":1704210603179,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/AGC\">$Altimeter Growth Corp.(AGC)$</a>&nbsp;lets go Grab!&nbsp;","listText":"<a href=\"https://laohu8.com/S/AGC\">$Altimeter Growth Corp.(AGC)$</a>&nbsp;lets go Grab!&nbsp;","text":"$Altimeter Growth Corp.(AGC)$ lets go Grab!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/187292219","isVote":1,"tweetType":1,"viewCount":2613,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":181721018,"gmtCreate":1623412771834,"gmtModify":1704202905471,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/ATY\">$AcuityAds Hldgs Inc.(ATY)$</a>&nbsp;no worries, this stock gonna spike to 200&nbsp;","listText":"<a href=\"https://laohu8.com/S/ATY\">$AcuityAds Hldgs Inc.(ATY)$</a>&nbsp;no worries, this stock gonna spike to 200&nbsp;","text":"$AcuityAds Hldgs Inc.(ATY)$ no worries, this stock gonna spike to 200","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/181721018","isVote":1,"tweetType":1,"viewCount":951,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":197170312,"gmtCreate":1621436133736,"gmtModify":1704357663161,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"Yes lets welcome your SoFi&nbsp;","listText":"Yes lets welcome your SoFi&nbsp;","text":"Yes lets welcome your SoFi","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/197170312","repostId":"197157751","repostType":1,"repost":{"id":197157751,"gmtCreate":1621435487273,"gmtModify":1704357647441,"author":{"id":"3575041963197705","authorId":"3575041963197705","name":"walkon007","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"3575041963197705","idStr":"3575041963197705"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/IPOE\">$Social Capital Hedosophia Holdings Corp. V(IPOE)$</a>what if i didnt vote? My shares will also convert to sofi right?","listText":"<a href=\"https://laohu8.com/S/IPOE\">$Social Capital Hedosophia Holdings Corp. V(IPOE)$</a>what if i didnt vote? My shares will also convert to sofi right?","text":"$Social Capital Hedosophia Holdings Corp. V(IPOE)$what if i didnt vote? My shares will also convert to sofi right?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/197157751","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":886,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":194370242,"gmtCreate":1621345644486,"gmtModify":1704356148284,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/IPOE\">$Social Capital Hedosophia Holdings Corp. V(IPOE)$</a>&nbsp;to the mooooooooooon SoFi&nbsp;","listText":"<a href=\"https://laohu8.com/S/IPOE\">$Social Capital Hedosophia Holdings Corp. V(IPOE)$</a>&nbsp;to the mooooooooooon SoFi&nbsp;","text":"$Social Capital Hedosophia Holdings Corp. V(IPOE)$ to the mooooooooooon SoFi","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/194370242","isVote":1,"tweetType":1,"viewCount":1341,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":194074799,"gmtCreate":1621330407811,"gmtModify":1704355886495,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"Great result","listText":"Great result","text":"Great result","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/194074799","repostId":"2136961979","repostType":2,"repost":{"id":"2136961979","kind":"highlight","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":1621328730,"share":"https://ttm.financial/m/news/2136961979?lang=en_US&edition=fundamental","pubTime":"2021-05-18 17:05","market":"us","language":"en","title":"BRIEF-Huya Inc Reports Q1 Non-GAAP Diluted Net Income Per ADS Of RMB1.10","url":"https://stock-news.laohu8.com/highlight/detail?id=2136961979","media":"Reuters","summary":"May 18 (Reuters) - HUYA Inc   :   * REPORTS FIRST QUARTER 2021 UNAUDITED FINANCIAL RESULTS   * Q1 RE","content":"<html><body><p>May 18 (Reuters) - HUYA Inc   :</p><p>   * REPORTS FIRST QUARTER 2021 UNAUDITED FINANCIAL RESULTS</p><p>   * Q1 REVENUE RMB 2.605 BILLION VERSUS REFINITIV IBES ESTIMATE OF RMB 2.56 BILLION</p><p>   * AVERAGE MOBILE MAUS LIVE IN Q1 REACHED 75.5 MILLION VERSUS 74.7 MILLION IN Q1 2020</p><p>   * DILUTED NET INCOME PER ADS WAS RMB0.77 (US$0.12) FOR Q1 2021</p><p>   * NON-GAAP DILUTED NET INCOME PER ADS WAS RMB1.10 (US$0.17) FOR Q1 2021</p><p>   * HUYA INC    Q1 SHR VIEW CNY 0.85, REV VIEW CNY 2.56 BLN -- REFINITIV IBES DATA</p><p>Source text for Eikon:    Further company coverage:   </p><p> ((Reuters.Briefs@thomsonreuters.com;))</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>BRIEF-Huya Inc Reports Q1 Non-GAAP Diluted Net Income Per ADS Of RMB1.10</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\">\nBRIEF-Huya Inc Reports Q1 Non-GAAP Diluted Net Income Per ADS Of RMB1.10\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\">2021-05-18 17:05</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><body><p>May 18 (Reuters) - HUYA Inc   :</p><p>   * REPORTS FIRST QUARTER 2021 UNAUDITED FINANCIAL RESULTS</p><p>   * Q1 REVENUE RMB 2.605 BILLION VERSUS REFINITIV IBES ESTIMATE OF RMB 2.56 BILLION</p><p>   * AVERAGE MOBILE MAUS LIVE IN Q1 REACHED 75.5 MILLION VERSUS 74.7 MILLION IN Q1 2020</p><p>   * DILUTED NET INCOME PER ADS WAS RMB0.77 (US$0.12) FOR Q1 2021</p><p>   * NON-GAAP DILUTED NET INCOME PER ADS WAS RMB1.10 (US$0.17) FOR Q1 2021</p><p>   * HUYA INC    Q1 SHR VIEW CNY 0.85, REV VIEW CNY 2.56 BLN -- REFINITIV IBES DATA</p><p>Source text for Eikon:    Further company coverage:   </p><p> ((Reuters.Briefs@thomsonreuters.com;))</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"CGEM":"Cullinan Therapeutics","LHDX":"Lucira Health, Inc.","HUYA":"虎牙","SANA":"Sana Biotechnology, Inc.","LABP":"Landos Biopharma, Inc."},"source_url":"http://api.rkd.refinitiv.com/api/News/News.svc/REST/News_1/RetrieveStoryML_1","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2136961979","content_text":"May 18 (Reuters) - HUYA Inc   :   * REPORTS FIRST QUARTER 2021 UNAUDITED FINANCIAL RESULTS   * Q1 REVENUE RMB 2.605 BILLION VERSUS REFINITIV IBES ESTIMATE OF RMB 2.56 BILLION   * AVERAGE MOBILE MAUS LIVE IN Q1 REACHED 75.5 MILLION VERSUS 74.7 MILLION IN Q1 2020   * DILUTED NET INCOME PER ADS WAS RMB0.77 (US$0.12) FOR Q1 2021   * NON-GAAP DILUTED NET INCOME PER ADS WAS RMB1.10 (US$0.17) FOR Q1 2021   * HUYA INC    Q1 SHR VIEW CNY 0.85, REV VIEW CNY 2.56 BLN -- REFINITIV IBES DATASource text for Eikon:    Further company coverage:    ((Reuters.Briefs@thomsonreuters.com;))","news_type":1,"symbols_score_info":{"APR":1,"SANA":1,"LABP":1,"CGEM":1,"LHDX":1,"HUYA":0.9}},"isVote":1,"tweetType":1,"viewCount":1277,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":358499518,"gmtCreate":1616720424834,"gmtModify":1704797829309,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/OPEN\">$Opendoor Technologies Inc(OPEN)$</a>&nbsp;fan loi lo&nbsp;","listText":"<a href=\"https://laohu8.com/S/OPEN\">$Opendoor Technologies Inc(OPEN)$</a>&nbsp;fan loi lo&nbsp;","text":"$Opendoor Technologies Inc(OPEN)$ fan loi lo","images":[{"img":"https://static.tigerbbs.com/e80e9645d2ff93678eb1e0acc1818f83","width":"1200","height":"3200"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/358499518","isVote":1,"tweetType":1,"viewCount":911,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":362714350,"gmtCreate":1614667593270,"gmtModify":1704773771952,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"Nice","listText":"Nice","text":"Nice","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/362714350","repostId":"2116156921","repostType":4,"repost":{"id":"2116156921","kind":"highlight","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":"T-Reuters","id":"1086160438","head_image":"https://static.tigerbbs.com/a113a995fbbc262262d15a5ce37e7bc5"},"pubTimestamp":1614660525,"share":"https://ttm.financial/m/news/2116156921?lang=en_US&edition=fundamental","pubTime":"2021-03-02 12:48","market":"hk","language":"en","title":"Xpeng Says 2,223 Vehicles Delivered In February 2021","url":"https://stock-news.laohu8.com/highlight/detail?id=2116156921","media":"T-Reuters","summary":"Xpeng Announces Vehicle Delivery Results For February 2021.2,223 Vehicles Delivered In February 2021","content":"<p>Xpeng Announces Vehicle Delivery Results For February 2021.2,223 Vehicles Delivered In February 2021.January And February 2021 Combined Deliveries Recorded 577% Increase Year-Over-Year.</p>","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>Xpeng Says 2,223 Vehicles Delivered In February 2021</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; 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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\">\nXpeng Says 2,223 Vehicles Delivered In February 2021\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1086160438\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/a113a995fbbc262262d15a5ce37e7bc5);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">T-Reuters </p>\n<p class=\"h-time\">2021-03-02 12:48</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>Xpeng Announces Vehicle Delivery Results For February 2021.2,223 Vehicles Delivered In February 2021.January And February 2021 Combined Deliveries Recorded 577% Increase Year-Over-Year.</p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SANA":"Sana Biotechnology, Inc.","LHDX":"Lucira Health, Inc.","XPEV":"小鹏汽车","CGEM":"Cullinan Therapeutics","LABP":"Landos Biopharma, Inc."},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2116156921","content_text":"Xpeng Announces Vehicle Delivery Results For February 2021.2,223 Vehicles Delivered In February 2021.January And February 2021 Combined Deliveries Recorded 577% Increase Year-Over-Year.","news_type":1,"symbols_score_info":{"XPEV":0.9,"APR":0.9,"CGEM":0.9,"SANA":0.9,"LHDX":0.9,"LABP":0.9}},"isVote":1,"tweetType":1,"viewCount":1176,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":882096758,"gmtCreate":1631629607874,"gmtModify":1676530594863,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/OPEN\">$Opendoor Technologies Inc(OPEN)$</a>Today, OPEN marked their 44 markets to be another milestone changing the US&nbsp;property market&nbsp;[666]&nbsp;","listText":"<a href=\"https://laohu8.com/S/OPEN\">$Opendoor Technologies Inc(OPEN)$</a>Today, OPEN marked their 44 markets to be another milestone changing the US&nbsp;property market&nbsp;[666]&nbsp;","text":"$Opendoor Technologies Inc(OPEN)$Today, OPEN marked their 44 markets to be another milestone changing the US property market [666]","images":[{"img":"https://static.tigerbbs.com/946faed4a0b6ae98461dea12019c54d9","width":"1200","height":"1815"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/882096758","isVote":1,"tweetType":1,"viewCount":4421,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3567674467070106","authorId":"3567674467070106","name":"apple26","avatar":"https://static.tigerbbs.com/690f1cb829a1d7c63dd0a0ac190b0f8b","crmLevel":12,"crmLevelSwitch":0,"authorIdStr":"3567674467070106","idStr":"3567674467070106"},"content":"it will be great to see the price to reach 44 dollars.","text":"it will be great to see the price to reach 44 dollars.","html":"it will be great to see the price to reach 44 dollars."}],"imageCount":1,"langContent":"EN","totalScore":0},{"id":806933529,"gmtCreate":1627622888361,"gmtModify":1703493573835,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/8VI.AU\">$8VIC(8VI.AU)$</a>hey","listText":"<a href=\"https://laohu8.com/S/8VI.AU\">$8VIC(8VI.AU)$</a>hey","text":"$8VIC(8VI.AU)$hey","images":[{"img":"https://static.tigerbbs.com/021156727001e266d3a8ca63a744d7a5","width":"1200","height":"2133"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/806933529","isVote":1,"tweetType":1,"viewCount":4153,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":181721018,"gmtCreate":1623412771834,"gmtModify":1704202905471,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/ATY\">$AcuityAds Hldgs Inc.(ATY)$</a>&nbsp;no worries, this stock gonna spike to 200&nbsp;","listText":"<a href=\"https://laohu8.com/S/ATY\">$AcuityAds Hldgs Inc.(ATY)$</a>&nbsp;no worries, this stock gonna spike to 200&nbsp;","text":"$AcuityAds Hldgs Inc.(ATY)$ no worries, this stock gonna spike to 200","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/181721018","isVote":1,"tweetType":1,"viewCount":951,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":194370242,"gmtCreate":1621345644486,"gmtModify":1704356148284,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/IPOE\">$Social Capital Hedosophia Holdings Corp. V(IPOE)$</a>&nbsp;to the mooooooooooon SoFi&nbsp;","listText":"<a href=\"https://laohu8.com/S/IPOE\">$Social Capital Hedosophia Holdings Corp. V(IPOE)$</a>&nbsp;to the mooooooooooon SoFi&nbsp;","text":"$Social Capital Hedosophia Holdings Corp. V(IPOE)$ to the mooooooooooon SoFi","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/194370242","isVote":1,"tweetType":1,"viewCount":1341,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":140821338,"gmtCreate":1625647518824,"gmtModify":1703745585735,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"Great&nbsp;","listText":"Great&nbsp;","text":"Great","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":2,"repostSize":0,"link":"https://ttm.financial/post/140821338","repostId":"1163143630","repostType":4,"repost":{"id":"1163143630","kind":"news","pubTimestamp":1625629159,"share":"https://ttm.financial/m/news/1163143630?lang=en_US&edition=fundamental","pubTime":"2021-07-07 11:39","market":"hk","language":"en","title":"Jefferies Top Growth Stocks to Buy Now May Be Huge Q3 Winners","url":"https://stock-news.laohu8.com/highlight/detail?id=1163143630","media":"24/7 wall street","summary":"The third quarter and the second half of 2021 are upon us, and with second-quarter earnings ready to explode onto the scene next week, it makes sense for investors to adjust portfolios in anticipation of the potential for some outstanding results. With last Friday’s solid jobs report coming in better than expected, in tandem with a country that is rapidly returning to work and normal, the economy is expected to surge the rest of the summer.e screened the Jefferies top growth stocks to buy this w","content":"<p>The third quarter and the second half of 2021 are upon us, and with second-quarter earnings ready to explode onto the scene next week, it makes sense for investors to adjust portfolios in anticipation of the potential for some outstanding results. With last Friday’s solid jobs report coming in better than expected, in tandem with a country that is rapidly returning to work and normal, the economy is expected to surge the rest of the summer.</p>\n<p>e screened the Jefferies top growth stocks to buy this week for ideas that fit into this very positive narrative and found three that look like outstanding growth ideas for most investors. With the first two weeks of July historically the best of the year, it makes sense to add growth stocks now that have the best potential upside.</p>\n<p>It is important to remember though that no single analyst report should be used as a sole basis for any buying or selling decision.</p>\n<p><a href=\"https://laohu8.com/S/GOOG\">Alphabet</a></p>\n<p>The search giant continues to expand and was the G in the FANG stocks before changing its name in 2015. <a href=\"https://laohu8.com/S/GOOGL\">Alphabet</a> Inc. (NASDAQ: GOOGL) is a global technology company focused on key areas such as search, advertising, operating systems and platforms, and enterprise and hardware products. The company generates revenue primarily by delivering online advertising and by selling apps and content on Google Play, as well as hardware products. <a href=\"https://laohu8.com/S/GOOG\">Alphabet</a> provides its products and services in more than 100 languages and in 190 countries, regions and territories.</p>\n<p><a href=\"https://laohu8.com/S/GOOGL\">Alphabet</a>&nbsp;offers performance and brand advertising services. It operates through Google and Other Bets segments. The Google segment includes principal internet products, such as search, ads, commerce, Maps, YouTube, Apps, Cloud, Android, Chrome and Google Play, as well as technical infrastructure and newer efforts, such as virtual reality.</p>\n<p>Analysts point to Google Cloud, which is the largest cloud infrastructure play and engages in more technology, infrastructure research and development in headcount and dollars than any other company does. That gives it the strength and wherewithal to compete with and differentiate itself from Amazon’s AWS and <a href=\"https://laohu8.com/S/MSFT\">Microsoft</a>’s Azure.</p>\n<p>The Jefferies report noted this:</p>\n<blockquote>\n We hosted an expert whose firm generates 60-70% of revenues from YouTube advertising. We highlighted that ad spend for the expert in the second quarter is up &gt;130% year-over-year while the third quarter is shaping up to be much bigger than expected. We forecast YouTube ad revs up 64% in the second quarter, up from 49% in the first quarter. Further, we noted that ad budgets for 2021 have finally firmed up and we see a shift away from linear TV into digital channels as a big driver. Additionally, we pointed out that the high opt-out rates among iOS users has made the audience less attractive and the expert has seen budgets on FB ads shift to the majority being Android devices instead of iOS due to better targetability. We continue to view Alphabet as a top large-cap pick.\n</blockquote>\n<p>The Jefferies price target for the stock is $2,850. The Wall Street consensus target is $2,750.07. The stock closed Friday trading at $2,505.15.</p>\n<p><a href=\"https://laohu8.com/S/COST\">Costco</a></p>\n<p>This has become the ultimate destination for the <a href=\"https://laohu8.com/S/AFG\">American</a> consumer regardless of the economy, and it stands to have a massive summer selling season.&nbsp;<a href=\"https://laohu8.com/S/COST\">Costco</a> Wholesale Corp. (NASDAQ: COST) has a unique business model. It operates membership warehouses, and it buys the majority of its merchandise directly from manufacturers, essentially cutting out the middleman. Costco sells in bulk but also at a lower price, thus fueling its rapid growth. With consumers having more free cash to spend as gasoline prices have dropped, this major retailer may continue to see large revenue gains.</p>\n<p>Costco remains <a href=\"https://laohu8.com/S/AONE\">one</a> of the few conventional retailers where metrics like store traffic, market share gains and a validated model could bode well for international growth and expansion. The company is largely unharmed by e-commerce, and it continues to add stores in strategically mapped out locations.</p>\n<p>Wall Street loves the company’s pricing authority on key items and the leading merchandising offerings, and the relatively new Costco co-branded card with <a href=\"https://laohu8.com/S/V\">Visa</a> is a real positive. Add in the company’s growing online presence and the future looks bright.&nbsp;The analysts said this:</p>\n<blockquote>\n We took a deeper look into our May 2021 club consumer survey at company and cohort-specific levels, as well as broader industry trends. Additionally, we recently spoke with the management teams of BJ’s Costco and Walmart. Our takeaways include: 1) the pandemic is driving higher engagement/spend across cohorts; 2) we view increasing gen merch/services as key to extending spending; 3) omni-channel efforts vary by retailer and the consumer is still deciding; and 4) more and bigger streamlining tech is coming.\n</blockquote>\n<p>Costco shareholders receive a 0.80% dividend. Jefferies has a $445 price target, and the consensus target is $408.41. The shares closed on Friday at $398.94.</p>\n<p>This has long been a Wall Street favorite, and it continues to deliver solid results.&nbsp;<a href=\"https://laohu8.com/S/PYPL\">PayPal</a> Holdings Inc. (NASDAQ: PYPL) operates as a technology platform company that enables digital and mobile payments on behalf of consumers and merchants worldwide.</p>\n<p>The company enables businesses of various sizes to accept payments from merchant websites, mobile devices and applications, as well as at offline retail locations through a range of payment solutions across its payments platform, including PayPal, PayPal Credit, Venmo and Braintree products.</p>\n<p>PayPal’s platform allows customers to pay and be paid, withdraw funds to their bank accounts and hold balances in their PayPal accounts in various currencies.</p>\n<p>Jefferies is very positive on the company:</p>\n<blockquote>\n On August 2nd, pricing for PayPal Checkout, Pay With Venmo, Pay in 4, and PayPal Credit will increase to 3.49% + $0.49 for US small- to mid-sized businesses (SMB) merchants, up from 2.9% +$0.30 currently. We estimate 6-7% of total payment volume is US SMB branded volume and will be affected by the price increase. Meanwhile, volume-based pricing on “unbranded” volume will be lowered to 2.59% (from 2.90%) in a move we believe is aimed at Stripe. We believe the impact is baked into the fiscal year 2021 guide, but estimate the price hikes adding ~3% of top-line growth in fiscal year 2022 and 2023. As a result, we took our estimates through 2023 slightly higher, but assume management reinvests a portion of the pricing tailwind back into the business.\n</blockquote>\n<p>The $340 Jefferies price target compares with the $314.04 consensus target and Friday’s closing share price of $290.24.</p>\n<p>These three companies are dominant in their respective business silos and poised not only to post solid second-quarter results, but each has very promising runaways for the rest of 2021 and beyond. Growth stock investors with long-term time horizons may want to consider buying shares now.</p>","source":"lsy1620372341666","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>Jefferies Top Growth Stocks to Buy Now May Be Huge Q3 Winners</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\">\nJefferies Top Growth Stocks to Buy Now May Be Huge Q3 Winners\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-07-07 11:39 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://247wallst.com/investing/2021/07/06/jefferies-top-growth-stocks-to-buy-now-may-be-huge-q3-winners/><strong>24/7 wall street</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The third quarter and the second half of 2021 are upon us, and with second-quarter earnings ready to explode onto the scene next week, it makes sense for investors to adjust portfolios in anticipation...</p>\n\n<a href=\"https://247wallst.com/investing/2021/07/06/jefferies-top-growth-stocks-to-buy-now-may-be-huge-q3-winners/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"GOOGL":"谷歌A","PYPL":"PayPal","GOOG":"谷歌","COST":"好市多"},"source_url":"https://247wallst.com/investing/2021/07/06/jefferies-top-growth-stocks-to-buy-now-may-be-huge-q3-winners/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1163143630","content_text":"The third quarter and the second half of 2021 are upon us, and with second-quarter earnings ready to explode onto the scene next week, it makes sense for investors to adjust portfolios in anticipation of the potential for some outstanding results. With last Friday’s solid jobs report coming in better than expected, in tandem with a country that is rapidly returning to work and normal, the economy is expected to surge the rest of the summer.\ne screened the Jefferies top growth stocks to buy this week for ideas that fit into this very positive narrative and found three that look like outstanding growth ideas for most investors. With the first two weeks of July historically the best of the year, it makes sense to add growth stocks now that have the best potential upside.\nIt is important to remember though that no single analyst report should be used as a sole basis for any buying or selling decision.\nAlphabet\nThe search giant continues to expand and was the G in the FANG stocks before changing its name in 2015. Alphabet Inc. (NASDAQ: GOOGL) is a global technology company focused on key areas such as search, advertising, operating systems and platforms, and enterprise and hardware products. The company generates revenue primarily by delivering online advertising and by selling apps and content on Google Play, as well as hardware products. Alphabet provides its products and services in more than 100 languages and in 190 countries, regions and territories.\nAlphabet offers performance and brand advertising services. It operates through Google and Other Bets segments. The Google segment includes principal internet products, such as search, ads, commerce, Maps, YouTube, Apps, Cloud, Android, Chrome and Google Play, as well as technical infrastructure and newer efforts, such as virtual reality.\nAnalysts point to Google Cloud, which is the largest cloud infrastructure play and engages in more technology, infrastructure research and development in headcount and dollars than any other company does. That gives it the strength and wherewithal to compete with and differentiate itself from Amazon’s AWS and Microsoft’s Azure.\nThe Jefferies report noted this:\n\n We hosted an expert whose firm generates 60-70% of revenues from YouTube advertising. We highlighted that ad spend for the expert in the second quarter is up >130% year-over-year while the third quarter is shaping up to be much bigger than expected. We forecast YouTube ad revs up 64% in the second quarter, up from 49% in the first quarter. Further, we noted that ad budgets for 2021 have finally firmed up and we see a shift away from linear TV into digital channels as a big driver. Additionally, we pointed out that the high opt-out rates among iOS users has made the audience less attractive and the expert has seen budgets on FB ads shift to the majority being Android devices instead of iOS due to better targetability. We continue to view Alphabet as a top large-cap pick.\n\nThe Jefferies price target for the stock is $2,850. The Wall Street consensus target is $2,750.07. The stock closed Friday trading at $2,505.15.\nCostco\nThis has become the ultimate destination for the American consumer regardless of the economy, and it stands to have a massive summer selling season. Costco Wholesale Corp. (NASDAQ: COST) has a unique business model. It operates membership warehouses, and it buys the majority of its merchandise directly from manufacturers, essentially cutting out the middleman. Costco sells in bulk but also at a lower price, thus fueling its rapid growth. With consumers having more free cash to spend as gasoline prices have dropped, this major retailer may continue to see large revenue gains.\nCostco remains one of the few conventional retailers where metrics like store traffic, market share gains and a validated model could bode well for international growth and expansion. The company is largely unharmed by e-commerce, and it continues to add stores in strategically mapped out locations.\nWall Street loves the company’s pricing authority on key items and the leading merchandising offerings, and the relatively new Costco co-branded card with Visa is a real positive. Add in the company’s growing online presence and the future looks bright. The analysts said this:\n\n We took a deeper look into our May 2021 club consumer survey at company and cohort-specific levels, as well as broader industry trends. Additionally, we recently spoke with the management teams of BJ’s Costco and Walmart. Our takeaways include: 1) the pandemic is driving higher engagement/spend across cohorts; 2) we view increasing gen merch/services as key to extending spending; 3) omni-channel efforts vary by retailer and the consumer is still deciding; and 4) more and bigger streamlining tech is coming.\n\nCostco shareholders receive a 0.80% dividend. Jefferies has a $445 price target, and the consensus target is $408.41. The shares closed on Friday at $398.94.\nThis has long been a Wall Street favorite, and it continues to deliver solid results. PayPal Holdings Inc. (NASDAQ: PYPL) operates as a technology platform company that enables digital and mobile payments on behalf of consumers and merchants worldwide.\nThe company enables businesses of various sizes to accept payments from merchant websites, mobile devices and applications, as well as at offline retail locations through a range of payment solutions across its payments platform, including PayPal, PayPal Credit, Venmo and Braintree products.\nPayPal’s platform allows customers to pay and be paid, withdraw funds to their bank accounts and hold balances in their PayPal accounts in various currencies.\nJefferies is very positive on the company:\n\n On August 2nd, pricing for PayPal Checkout, Pay With Venmo, Pay in 4, and PayPal Credit will increase to 3.49% + $0.49 for US small- to mid-sized businesses (SMB) merchants, up from 2.9% +$0.30 currently. We estimate 6-7% of total payment volume is US SMB branded volume and will be affected by the price increase. Meanwhile, volume-based pricing on “unbranded” volume will be lowered to 2.59% (from 2.90%) in a move we believe is aimed at Stripe. We believe the impact is baked into the fiscal year 2021 guide, but estimate the price hikes adding ~3% of top-line growth in fiscal year 2022 and 2023. As a result, we took our estimates through 2023 slightly higher, but assume management reinvests a portion of the pricing tailwind back into the business.\n\nThe $340 Jefferies price target compares with the $314.04 consensus target and Friday’s closing share price of $290.24.\nThese three companies are dominant in their respective business silos and poised not only to post solid second-quarter results, but each has very promising runaways for the rest of 2021 and beyond. Growth stock investors with long-term time horizons may want to consider buying shares now.","news_type":1,"symbols_score_info":{"PYPL":0.9,"GOOGL":0.9,"COST":0.9,"GOOG":0.9}},"isVote":1,"tweetType":1,"viewCount":3704,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":126936499,"gmtCreate":1624541792311,"gmtModify":1703839801167,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/TTD\">$Trade Desk Inc.(TTD)$</a><a href=\"https://laohu8.com/S/ATY\">$AcuityAds Hldgs Inc.(ATY)$</a>&nbsp;to the moon ?","listText":"<a href=\"https://laohu8.com/S/TTD\">$Trade Desk Inc.(TTD)$</a><a href=\"https://laohu8.com/S/ATY\">$AcuityAds Hldgs Inc.(ATY)$</a>&nbsp;to the moon ?","text":"$Trade Desk Inc.(TTD)$$AcuityAds Hldgs Inc.(ATY)$ to the moon ?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/126936499","isVote":1,"tweetType":1,"viewCount":2586,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":129665673,"gmtCreate":1624371368192,"gmtModify":1703834752546,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/CLOV\">$Clover Health Corp(CLOV)$</a>&nbsp;to the 50 Moooooooon ?","listText":"<a href=\"https://laohu8.com/S/CLOV\">$Clover Health Corp(CLOV)$</a>&nbsp;to the 50 Moooooooon ?","text":"$Clover Health Corp(CLOV)$ to the 50 Moooooooon ?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":0,"repostSize":1,"link":"https://ttm.financial/post/129665673","isVote":1,"tweetType":1,"viewCount":3227,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":153015002,"gmtCreate":1624985147606,"gmtModify":1703849605875,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"Great ariticle, would you like to share it?","listText":"Great ariticle, would you like to share it?","text":"Great ariticle, would you like to share it?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/153015002","repostId":"1197650718","repostType":2,"repost":{"id":"1197650718","kind":"news","pubTimestamp":1624971204,"share":"https://ttm.financial/m/news/1197650718?lang=en_US&edition=fundamental","pubTime":"2021-06-29 20:53","market":"us","language":"en","title":"SoFi Technologies: Tremendous Growth Potential For This Fintech Pioneer","url":"https://stock-news.laohu8.com/highlight/detail?id=1197650718","media":"seekingalpha","summary":"Summary\n\nFintech company SoFi is the newest kid on Wall Street after coming public through a SPAC me","content":"<p><b>Summary</b></p>\n<ul>\n <li>Fintech company SoFi is the newest kid on Wall Street after coming public through a SPAC merger with Social Capital Hedosophia Holdings Corp. V in early June.</li>\n <li>The stock is still very much in price discovery mode and shares remain volatile as they dropped around 15% during the past 3 trading days.</li>\n <li>With a forecasted 43% topline CAGR until 2025, SoFi has one of the strongest growth prospects in the fintech industry, led by its Banking-as-a-service and financial services segments.</li>\n <li>We believe SoFi can meet or even exceed its forecasted CAGR which should move the company‘s valuation closer to between $30 to $40bn until 2025.</li>\n <li>We illustrate possible valuation scenarios for 2025 below.</li>\n</ul>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/b5f3ab455f8b2c1956c4124771b084d9\" tg-width=\"768\" tg-height=\"400\"><span>ipopba/iStock via Getty Images</span></p>\n<p><b>Summary</b></p>\n<p>SoFi Technologies (SOFI) hit the public markets through a SPAC merger with Social Capital Hedosophia Holdings Corp. V led by famous financier Chamath Palihapitiya. There isn’t much information coming from SoFi‘s charts so far as the stock just went public under the ticker SOFI in early June and is still very much in price discovery mode. Shares havetraded in a range between $15 and $25 for the past months but saw significant declines during the past 3 trading days. Shares are now down almost 15% in a week at the closing price of around $19/share on June 28th, but shares were actually down to a multi-week intraday low of $17.65 / share. Currently, SoFi trades at a valuation of around $15 billion based on 800 million shares outstanding as of this writing.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/c9a56d3d597be092103690da21963222\" tg-width=\"635\" tg-height=\"417\"><span>Data by YCharts</span></p>\n<p>Investors should be aware that much of the recent declines can be attributed to a big lock-up expiration that commenced on Monday, 28th June.</p>\n<p>Lock-up expirations generally put pressure on a stock for the short-term, especially as early-stage shareholders are finally allowed to offload shares on the public markets. It is interesting to see that&nbsp;Rosenblatt Securities’ analyst Sean Horgan put a $30 price target on SoFi&nbsp;and reiterated that the short-term term headwinds create a potential long-term buying opportunity:</p>\n<blockquote>\n We see a unique buying opportunity as a result of this recent selling and ahead of a potentially significant upside catalyst (bank charter approval). Pressure from early investors taking profits (and short-selling ahead of the lock-up expiration) are likely to weigh on the stock in the near term. However, we expect SOFI's bank charter approval process to conclude before year-end (adding &gt;25% upside to our EBITDA estimates).\n</blockquote>\n<p>We could not agree more. As much as SoFi stock has been trending downwards, the underlying company is showing all signs of a robust business with strong growth prospects. In fact, we believe that at a current valuation of $15bn, SoFi could grow into a much larger valuation of around $30 to $40 billion until 2025, if not higher, based on our modelling: the following assumptions:</p>\n<ul>\n <li>SoFi can generate at least $5bn in revenues by 2025, supported by a bank charter.</li>\n <li>This boosts incremental revenues until 2025 by $3 to $3.9bn at an average weighted EBIDTA margin of 25,5% for 2021 to 2025.</li>\n <li>We take a more conservative revenue multiple closer towards Square’s (SQ) roughly 8x TTM P/S ratio.</li>\n <li>We apply a 25x EBIDTA multiple in 2025 (for comparison:Square‘s adjusted EBIDTA multiple is &gt;100x at the moment).</li>\n</ul>\n<p>Based on this back-of-the-envelope math SoFi could actually exceed the $5bn in total revenue with a bank charter, and based on P/S and adjusted EBIDTA multiples, this gets us to a market cap of around $40bn by 2025 if the bank charter is granted.</p>\n<p>But even at the conservative end of the current 2025 revenue guidance of $3.7bn (without a bank charter) and with $1.177bn in adjusted EBIDTA for 2025 and a 25x EBIDTA multiple, the company should be able to get close to a $30bn market cap, implying a double from current levels by 2025, or a 20-25% average annual return in the base case.</p>\n<p><b>What Makes SoFi So Special?</b></p>\n<p>SoFi operates a financial technology platform that generates revenue from3 core segments: Lending, its fintech or banking-as-a-service platform Galileo, and financial services. The product portfolio covers a wide range of services, including personal, student, and home loans, stock and crypto investing, credit card issuing with direct cash back, money management, as well as fintech or Banking-as-a-service through Galileo‘s technology platform.</p>\n<p><img src=\"https://static.tigerbbs.com/9afc6f106d27bd69042a403b884ad690\" tg-width=\"640\" tg-height=\"193\" referrerpolicy=\"no-referrer\"></p>\n<p>The breadth of SoFi’s offering is really impressive and leaves competition far behind. There is no offering that combines all these services in a standalone app. The SoFi platform is kind of a „super-app“ for all things financial-related as it offers a full suite of financial products. This is a compelling argument by which SoFi should be able to pull a large share of customers from legacy banks, from which the top 10 hold ~50% of consumer’s 500M+ bank accounts in the US. A large pie up for grab especially if you consider that around 50% of Americans use more than 1 bank account to fulfill their needs due to the lack of an integrated financial one-stop shop on a digital platform.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/0f2908c5bdcbfea44f759f236c74a47a\" tg-width=\"640\" tg-height=\"302\"><span>Source:SoFi</span></p>\n<p><b>Financial Performance</b></p>\n<p>SoFi hit the public markets just about the right time when they reported accelerating growth across its business with a YoY increase in revenue of 151% to $216 million which easily beat management’s guidance of $190-195M with a 11-14% beat.</p>\n<ul>\n <li>SoFi's Lending segment generated $168 million in revenue and accounted for 76% of total revenue in Q1 2021 which was up 106% YoY.</li>\n <li>The Technology Platform segment generated around $46 million in revenue, which includes the fintech solution Galileo, with an astronomical growth rate of &gt;45x compared to just under $1 million in revenue in the year-ago quarter. Revenue from the segment accounted for 21% of total revenue.</li>\n <li>The financial services segment grew revenues by 200% YoY to $6.46 million.</li>\n</ul>\n<p>SoFi also reported strong customer growth with the&nbsp;7th consecutive quarter of YoY growth acceleration in total customers.</p>\n<p><img src=\"https://static.tigerbbs.com/60ebe27d9890719887b3a8da17e78e7a\" tg-width=\"640\" tg-height=\"292\" referrerpolicy=\"no-referrer\"></p>\n<p>The firm also doubled down on strengthening its technology platform by acquiring the fintech platform Galileo. Galileo is the backbone of almost the entire digital banking market in North America and&nbsp;serves around 70% of the top 100 fintech companies globally. Galileo is expected to be a major revenue driver for SoFi in the long-term. Galileo enables companies to build out their own financial products in payment, card issuing, and digital banking, amongst other functionalities.</p>\n<p>The Galileo platform saw the&nbsp;3rd quarter in a row of 100% YoY customer growth, which is quite impressive. That‘s a significant acceleration from the growth rates that Galileo saw back in 2019. The business combination fits nicely into the overall SoFi strategy of expanding the product portfolio, and with Galileo, SoFi is now also penetrating the business-to-business revenue stream right next to its consumer-facing offerings. The combination will likely also accelerate and expand SoFi’s existing products &amp; services to the 70M Galileo accounts, a nice cross-selling opportunity.</p>\n<p><img src=\"https://static.tigerbbs.com/474dac709b8fc7e503aa3e8846aa5d3a\" tg-width=\"640\" tg-height=\"291\" referrerpolicy=\"no-referrer\"></p>\n<p><b>Business Outlook</b></p>\n<p>SoFi also reiterated its previous guidance of $980 million in FY 2021 revenue, representing a 58% YoY growth rate. In the long-term, the company expects to generate $3.7bn in revenues by 2025 - and that‘s without the issuance of a bank charter which the company applied for very recently.</p>\n<p>SoFi&nbsp;separates its forecast into the 3 core revenue streams, as shown below. It is apparent that the Galileo technology offering and the financial services will contribute a much larger share of revenue by 2025 as they are expected to grow by a CAGR of 55% and 153% respectively until 2025, while the core lending business is expected to grow at a very robust CAGR of 25% until 2025.</p>\n<p><img src=\"https://static.tigerbbs.com/83abed6404328b77190a73b6c82d207d\" tg-width=\"640\" tg-height=\"342\"></p>\n<p>The company also&nbsp;guides for adjusted EBITDA of $1.177 billion by 2025, which would increase to around $1.5 billion with a bank charter, implying a roughly $1bn in additional revenue for 2025 alone from that bank charter at a 32% adjusted EBITDA margin that the company is projecting, or between an incremental $3 to $3.9bn in incremental revenue between 2021 and 2025 (based on author‘s own calculations, see below). The EBIDTA margin may actually be higher due to lower cost of capital with a bank charter, so that the forecasted incremental revenue add from the bank charter would be a bit less, hence the $3 to $3.9bn range.</p>\n<p><img src=\"https://static.tigerbbs.com/e887cd433fc526d65fc34c99827a8873\" tg-width=\"640\" tg-height=\"562\" referrerpolicy=\"no-referrer\"></p>\n<p>Assuming a bank charter is granted, we believe that SoFi can hit the $5bn revenue mark by 2025, if not exceed it. It is difficult to find another public company in the fintech space that is growing as quickly as SoFi does. Remember that SoFi grew revenues by 151% in the latest quarter and is forecasting 58% YoY growth for FY2021,and a 43% revenue CAGR until 2025.And that’s all without a bank charter, which would give a nice top-and bottom-line boost based on cheaper borrowing cost by which SoFi would be able to increase the number of loans, reduce operating costs and provide even better product competitiveness.</p>\n<p><b>Valuation Scenarios for 2025</b></p>\n<p>We believe that at a current valuation of $15bn, SoFi could grow into a much larger valuation of around $30 to $40 billion until 2025, if not higher, based on the following assumptions:</p>\n<ul>\n <li>SoFi can generate at least $5bn in revenues by 2025, supported by a bank charter, which could yield an incremental $1bn in EBIDTA by 2025, as forecasted by management.</li>\n <li>This would imply an incremental boost to revenues of around $1bn for 2025 alone at the forecasted 32% EBIDTA margin from SoFi's management, or between $3 to $3.9bn in incremental revenues from 2021 until 2025 at an average weighted EBIDTA margin of 25,5% from 2021 until 2025 (margin is calculated by the incremental EBIDTA add from the bank charter each year multiplied by the % share of incremental EBIDTA of $1bn for each year).</li>\n <li>We assume a re-rating of the revenue multiple closer towards Square’s (SQ) roughly 8x TTM P/S ratio (almost half the current multiple from SoFi) as revenue growth would still be quite strong at 25% to 30% in 2025.</li>\n <li>We apply a 25x EBIDTA multiple in 2025 (for comparison:Square's adjusted EBIDTA multiple is &gt;100x at the moment, so our assumption should be conservative).</li>\n</ul>\n<p>Based on this simplified back-of-the-envelope math SoFi could actually exceed the $5bn in revenue with a bank charter, and the company should at least be able to get to a $30bn, if not a $40bn valuation or higher. The assumptions get a bit messy here depending on the multiples you apply, but 8x on TTM sales or 25x on EBIDTA doesn‘t seem to be very overextended, especially if topline growth would still be at around 25 to 30% in 2025 for SoFi.</p>\n<p>But even at the conservative end of the current 2025 revenue guidance of $3.7bn (without a bank charter), that SoFi’s management is pulling up, coupled with a TTM P/S multiple of8x, or a 25x EBIDTA multiple the company should be able to get close to a $30bn market cap.</p>\n<p><b>Risks</b></p>\n<p>Obviously, competition is a key risk. SoFi operates in a very competitive industry with established players like PayPal (PYPL) and Square (SQ) as leaders in the field. But also the rise of so-called neobanks should be closely watched. If you look at&nbsp;slide 17 of the IPOE presentation&nbsp;from the SPAC merger, it shows that 296 neobanks have emerged in the last 10 years, which could all become serious competitors to SoFi in all product segments. Names include Stripe, Marqeta (MQ), N26, and many others.</p>\n<p>The one thing that should set SoFi apart is the breadth of its technology offering, as it is the only one-stop-shop for all financial-related aspects. Expanding its product offering, e.g. as SoFi recently did with the launch of auto loans, and driving the growth of its fintech backbone Galileo should do its part in keeping that moat. It was reported in that, in 2020, Galileo hat a&nbsp;95% market share in digital banking in North America with 70 of the top 100 Fintech companies globally using Galileo&nbsp;as the core platform. This alone, together with the recent growth from Galileo (remember the 45.2x growth in Q1 2021 above) clearly illustrates that there is a strong moat.</p>\n<p>Another risk to keep in mind is the lock-up expiration that hit the stock on 28th June which could create further short-term downward pressure on the stock as early-stage investors are taking some profits.</p>\n<p><b>Conclusion</b></p>\n<p>In summary, SoFi’s technology platform and breadth of offerings is one of the most compelling in the fintech space. Current numbers, growth prospects and management are exceptionally strong. Following recent stock price declines SoFi trades for around 15 times this year‘s projected revenues of $980 million - not a cheap valuation - but with a view to a potential $5bn in revenues by 2025, supported by a bank charter, the stock doesn’t actually look very overextended to us at these levels, Even at the lower-end of the 2025 revenue guidance of $3.7bn (without a bank charter), coupled with a re-rating of the revenue multiple closer towards 8x TTM P/S ratio (almost half the current multiple), or a 25x EBIDTA multiple, the company should move closer towards a $30bn valuation, which would be a double from current levels by 2025, or a 20-25% average annual return. We agree that the bank charter would be key to further upside on the base scenario, and we believe that SoFi can get there. We have initiated a small long-term position around $19 / share.</p>","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: Tremendous Growth Potential For This Fintech Pioneer</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: Tremendous Growth Potential For This Fintech Pioneer\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-29 20:53 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4437031-sofi-technologies-stock-tremendous-growth-potential-for-this-fintech-pioneer><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Summary\n\nFintech company SoFi is the newest kid on Wall Street after coming public through a SPAC merger with Social Capital Hedosophia Holdings Corp. V in early June.\nThe stock is still very much in ...</p>\n\n<a href=\"https://seekingalpha.com/article/4437031-sofi-technologies-stock-tremendous-growth-potential-for-this-fintech-pioneer\">Source 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://seekingalpha.com/article/4437031-sofi-technologies-stock-tremendous-growth-potential-for-this-fintech-pioneer","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1197650718","content_text":"Summary\n\nFintech company SoFi is the newest kid on Wall Street after coming public through a SPAC merger with Social Capital Hedosophia Holdings Corp. V in early June.\nThe stock is still very much in price discovery mode and shares remain volatile as they dropped around 15% during the past 3 trading days.\nWith a forecasted 43% topline CAGR until 2025, SoFi has one of the strongest growth prospects in the fintech industry, led by its Banking-as-a-service and financial services segments.\nWe believe SoFi can meet or even exceed its forecasted CAGR which should move the company‘s valuation closer to between $30 to $40bn until 2025.\nWe illustrate possible valuation scenarios for 2025 below.\n\nipopba/iStock via Getty Images\nSummary\nSoFi Technologies (SOFI) hit the public markets through a SPAC merger with Social Capital Hedosophia Holdings Corp. V led by famous financier Chamath Palihapitiya. There isn’t much information coming from SoFi‘s charts so far as the stock just went public under the ticker SOFI in early June and is still very much in price discovery mode. Shares havetraded in a range between $15 and $25 for the past months but saw significant declines during the past 3 trading days. Shares are now down almost 15% in a week at the closing price of around $19/share on June 28th, but shares were actually down to a multi-week intraday low of $17.65 / share. Currently, SoFi trades at a valuation of around $15 billion based on 800 million shares outstanding as of this writing.\nData by YCharts\nInvestors should be aware that much of the recent declines can be attributed to a big lock-up expiration that commenced on Monday, 28th June.\nLock-up expirations generally put pressure on a stock for the short-term, especially as early-stage shareholders are finally allowed to offload shares on the public markets. It is interesting to see that Rosenblatt Securities’ analyst Sean Horgan put a $30 price target on SoFi and reiterated that the short-term term headwinds create a potential long-term buying opportunity:\n\n We see a unique buying opportunity as a result of this recent selling and ahead of a potentially significant upside catalyst (bank charter approval). Pressure from early investors taking profits (and short-selling ahead of the lock-up expiration) are likely to weigh on the stock in the near term. However, we expect SOFI's bank charter approval process to conclude before year-end (adding >25% upside to our EBITDA estimates).\n\nWe could not agree more. As much as SoFi stock has been trending downwards, the underlying company is showing all signs of a robust business with strong growth prospects. In fact, we believe that at a current valuation of $15bn, SoFi could grow into a much larger valuation of around $30 to $40 billion until 2025, if not higher, based on our modelling: the following assumptions:\n\nSoFi can generate at least $5bn in revenues by 2025, supported by a bank charter.\nThis boosts incremental revenues until 2025 by $3 to $3.9bn at an average weighted EBIDTA margin of 25,5% for 2021 to 2025.\nWe take a more conservative revenue multiple closer towards Square’s (SQ) roughly 8x TTM P/S ratio.\nWe apply a 25x EBIDTA multiple in 2025 (for comparison:Square‘s adjusted EBIDTA multiple is >100x at the moment).\n\nBased on this back-of-the-envelope math SoFi could actually exceed the $5bn in total revenue with a bank charter, and based on P/S and adjusted EBIDTA multiples, this gets us to a market cap of around $40bn by 2025 if the bank charter is granted.\nBut even at the conservative end of the current 2025 revenue guidance of $3.7bn (without a bank charter) and with $1.177bn in adjusted EBIDTA for 2025 and a 25x EBIDTA multiple, the company should be able to get close to a $30bn market cap, implying a double from current levels by 2025, or a 20-25% average annual return in the base case.\nWhat Makes SoFi So Special?\nSoFi operates a financial technology platform that generates revenue from3 core segments: Lending, its fintech or banking-as-a-service platform Galileo, and financial services. The product portfolio covers a wide range of services, including personal, student, and home loans, stock and crypto investing, credit card issuing with direct cash back, money management, as well as fintech or Banking-as-a-service through Galileo‘s technology platform.\n\nThe breadth of SoFi’s offering is really impressive and leaves competition far behind. There is no offering that combines all these services in a standalone app. The SoFi platform is kind of a „super-app“ for all things financial-related as it offers a full suite of financial products. This is a compelling argument by which SoFi should be able to pull a large share of customers from legacy banks, from which the top 10 hold ~50% of consumer’s 500M+ bank accounts in the US. A large pie up for grab especially if you consider that around 50% of Americans use more than 1 bank account to fulfill their needs due to the lack of an integrated financial one-stop shop on a digital platform.\nSource:SoFi\nFinancial Performance\nSoFi hit the public markets just about the right time when they reported accelerating growth across its business with a YoY increase in revenue of 151% to $216 million which easily beat management’s guidance of $190-195M with a 11-14% beat.\n\nSoFi's Lending segment generated $168 million in revenue and accounted for 76% of total revenue in Q1 2021 which was up 106% YoY.\nThe Technology Platform segment generated around $46 million in revenue, which includes the fintech solution Galileo, with an astronomical growth rate of >45x compared to just under $1 million in revenue in the year-ago quarter. Revenue from the segment accounted for 21% of total revenue.\nThe financial services segment grew revenues by 200% YoY to $6.46 million.\n\nSoFi also reported strong customer growth with the 7th consecutive quarter of YoY growth acceleration in total customers.\n\nThe firm also doubled down on strengthening its technology platform by acquiring the fintech platform Galileo. Galileo is the backbone of almost the entire digital banking market in North America and serves around 70% of the top 100 fintech companies globally. Galileo is expected to be a major revenue driver for SoFi in the long-term. Galileo enables companies to build out their own financial products in payment, card issuing, and digital banking, amongst other functionalities.\nThe Galileo platform saw the 3rd quarter in a row of 100% YoY customer growth, which is quite impressive. That‘s a significant acceleration from the growth rates that Galileo saw back in 2019. The business combination fits nicely into the overall SoFi strategy of expanding the product portfolio, and with Galileo, SoFi is now also penetrating the business-to-business revenue stream right next to its consumer-facing offerings. The combination will likely also accelerate and expand SoFi’s existing products & services to the 70M Galileo accounts, a nice cross-selling opportunity.\n\nBusiness Outlook\nSoFi also reiterated its previous guidance of $980 million in FY 2021 revenue, representing a 58% YoY growth rate. In the long-term, the company expects to generate $3.7bn in revenues by 2025 - and that‘s without the issuance of a bank charter which the company applied for very recently.\nSoFi separates its forecast into the 3 core revenue streams, as shown below. It is apparent that the Galileo technology offering and the financial services will contribute a much larger share of revenue by 2025 as they are expected to grow by a CAGR of 55% and 153% respectively until 2025, while the core lending business is expected to grow at a very robust CAGR of 25% until 2025.\n\nThe company also guides for adjusted EBITDA of $1.177 billion by 2025, which would increase to around $1.5 billion with a bank charter, implying a roughly $1bn in additional revenue for 2025 alone from that bank charter at a 32% adjusted EBITDA margin that the company is projecting, or between an incremental $3 to $3.9bn in incremental revenue between 2021 and 2025 (based on author‘s own calculations, see below). The EBIDTA margin may actually be higher due to lower cost of capital with a bank charter, so that the forecasted incremental revenue add from the bank charter would be a bit less, hence the $3 to $3.9bn range.\n\nAssuming a bank charter is granted, we believe that SoFi can hit the $5bn revenue mark by 2025, if not exceed it. It is difficult to find another public company in the fintech space that is growing as quickly as SoFi does. Remember that SoFi grew revenues by 151% in the latest quarter and is forecasting 58% YoY growth for FY2021,and a 43% revenue CAGR until 2025.And that’s all without a bank charter, which would give a nice top-and bottom-line boost based on cheaper borrowing cost by which SoFi would be able to increase the number of loans, reduce operating costs and provide even better product competitiveness.\nValuation Scenarios for 2025\nWe believe that at a current valuation of $15bn, SoFi could grow into a much larger valuation of around $30 to $40 billion until 2025, if not higher, based on the following assumptions:\n\nSoFi can generate at least $5bn in revenues by 2025, supported by a bank charter, which could yield an incremental $1bn in EBIDTA by 2025, as forecasted by management.\nThis would imply an incremental boost to revenues of around $1bn for 2025 alone at the forecasted 32% EBIDTA margin from SoFi's management, or between $3 to $3.9bn in incremental revenues from 2021 until 2025 at an average weighted EBIDTA margin of 25,5% from 2021 until 2025 (margin is calculated by the incremental EBIDTA add from the bank charter each year multiplied by the % share of incremental EBIDTA of $1bn for each year).\nWe assume a re-rating of the revenue multiple closer towards Square’s (SQ) roughly 8x TTM P/S ratio (almost half the current multiple from SoFi) as revenue growth would still be quite strong at 25% to 30% in 2025.\nWe apply a 25x EBIDTA multiple in 2025 (for comparison:Square's adjusted EBIDTA multiple is >100x at the moment, so our assumption should be conservative).\n\nBased on this simplified back-of-the-envelope math SoFi could actually exceed the $5bn in revenue with a bank charter, and the company should at least be able to get to a $30bn, if not a $40bn valuation or higher. The assumptions get a bit messy here depending on the multiples you apply, but 8x on TTM sales or 25x on EBIDTA doesn‘t seem to be very overextended, especially if topline growth would still be at around 25 to 30% in 2025 for SoFi.\nBut even at the conservative end of the current 2025 revenue guidance of $3.7bn (without a bank charter), that SoFi’s management is pulling up, coupled with a TTM P/S multiple of8x, or a 25x EBIDTA multiple the company should be able to get close to a $30bn market cap.\nRisks\nObviously, competition is a key risk. SoFi operates in a very competitive industry with established players like PayPal (PYPL) and Square (SQ) as leaders in the field. But also the rise of so-called neobanks should be closely watched. If you look at slide 17 of the IPOE presentation from the SPAC merger, it shows that 296 neobanks have emerged in the last 10 years, which could all become serious competitors to SoFi in all product segments. Names include Stripe, Marqeta (MQ), N26, and many others.\nThe one thing that should set SoFi apart is the breadth of its technology offering, as it is the only one-stop-shop for all financial-related aspects. Expanding its product offering, e.g. as SoFi recently did with the launch of auto loans, and driving the growth of its fintech backbone Galileo should do its part in keeping that moat. It was reported in that, in 2020, Galileo hat a 95% market share in digital banking in North America with 70 of the top 100 Fintech companies globally using Galileo as the core platform. This alone, together with the recent growth from Galileo (remember the 45.2x growth in Q1 2021 above) clearly illustrates that there is a strong moat.\nAnother risk to keep in mind is the lock-up expiration that hit the stock on 28th June which could create further short-term downward pressure on the stock as early-stage investors are taking some profits.\nConclusion\nIn summary, SoFi’s technology platform and breadth of offerings is one of the most compelling in the fintech space. Current numbers, growth prospects and management are exceptionally strong. Following recent stock price declines SoFi trades for around 15 times this year‘s projected revenues of $980 million - not a cheap valuation - but with a view to a potential $5bn in revenues by 2025, supported by a bank charter, the stock doesn’t actually look very overextended to us at these levels, Even at the lower-end of the 2025 revenue guidance of $3.7bn (without a bank charter), coupled with a re-rating of the revenue multiple closer towards 8x TTM P/S ratio (almost half the current multiple), or a 25x EBIDTA multiple, the company should move closer towards a $30bn valuation, which would be a double from current levels by 2025, or a 20-25% average annual return. We agree that the bank charter would be key to further upside on the base scenario, and we believe that SoFi can get there. We have initiated a small long-term position around $19 / share.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"tweetType":1,"viewCount":2424,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":358499518,"gmtCreate":1616720424834,"gmtModify":1704797829309,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/OPEN\">$Opendoor Technologies Inc(OPEN)$</a>&nbsp;fan loi lo&nbsp;","listText":"<a href=\"https://laohu8.com/S/OPEN\">$Opendoor Technologies Inc(OPEN)$</a>&nbsp;fan loi lo&nbsp;","text":"$Opendoor Technologies Inc(OPEN)$ fan loi lo","images":[{"img":"https://static.tigerbbs.com/e80e9645d2ff93678eb1e0acc1818f83","width":"1200","height":"3200"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/358499518","isVote":1,"tweetType":1,"viewCount":911,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":888788023,"gmtCreate":1631529927162,"gmtModify":1676530566624,"author":{"id":"3570851643942994","authorId":"3570851643942994","name":"Mr里斯本","avatar":"https://static.tigerbbs.com/e3ad478de25d03be2ba1dbfe56a974d4","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570851643942994","idStr":"3570851643942994"},"themes":[],"htmlText":"Great ariticle, would you like to share it?","listText":"Great ariticle, would you like to share it?","text":"Great ariticle, would you like to share it?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/888788023","repostId":"888885187","repostType":1,"repost":{"id":888885187,"gmtCreate":1631487776649,"gmtModify":1676530553463,"author":{"id":"3562206499105387","authorId":"3562206499105387","name":"CY_Ng","avatar":"https://static.tigerbbs.com/eba016392472f02387b5ae5505dbc524","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"3562206499105387","idStr":"3562206499105387"},"themes":[],"title":"投資房地產的策略 - 馬來西亞篇","htmlText":"在馬來西亞華人社區裏，都流傳者一句話，”每個人一定要有瓦遮頭“。我不知道其實是馬來西亞還是全球華人都是有這個概念.無獨有偶的就是，哪裏有華人，哪裏的屋價都是很高。馬來西亞房產到底是個好投資嗎？房產其實是一個週期性的投資。屋價會在幾年裏高漲，然後幾年會在低成長階段。馬來西亞屋價指數2009年左右因爲美國次貸危機，馬來西亞房產價格成長率也跌到谷底，2009年後，屋價就去到了接下來5年的爆漲起。然後政府開始推出一些政策來把房地產投機冷卻，比如第三間房產最多隻能貸款70%，提高印花稅，提高RPGT Tax。屋價在2014年後增長就一直放緩到現在。去年因爲疫情，屋價增長還跌倒負增長。第一間買入的屋子，現在做着民宿我就剛巧在2009年用了43萬買入了第一套雙層樓排屋。我只能說我是非常幸運的買在了對的時機，屋價在短短几年裏漲了一倍，屋價漲到了90萬。在2010年，有一次和朋友聊天，朋友說了一句對我意義蠻深的一句話 - 當你只有一間家，屋價漲了你也不能做什麼，因爲第一間家是自住的，漲了也不能賣。就因爲這一句話，我和家人談了談，最後和家人合資買了間公寓。到現在，屋價也是翻倍了。十年翻倍到底是不是一個好的投資？這每個人有不同的意見。如果對一個在股市賺很多錢的人來講是非常慢的，比如去年有很多人在一年裏股市中就賺了100%，房產對這類投資者來說是太慢了，十年才翻倍。但在我的角度來講，我是很滿意的，股市是有很高風險。高風險當然來着高回報（也有可能會虧錢）。房產雖然比股市慢，但對我來說穩。至少在過去15年裏屋價不成跌倒復增長。表面上看來好像是10年得到了100%回酬，其實並不是這麼算的。第二間家是和銀行貸款90%，其實只是拿出了10%頭期錢，再加上一些律師費，印花稅和用了一些裝修費。如果拿屋價10年起了兩百千，比較支出，回酬十年其實是接近500%。&nbsp;有些人會問我，那你每個月需要還銀行貸款把，","listText":"在馬來西亞華人社區裏，都流傳者一句話，”每個人一定要有瓦遮頭“。我不知道其實是馬來西亞還是全球華人都是有這個概念.無獨有偶的就是，哪裏有華人，哪裏的屋價都是很高。馬來西亞房產到底是個好投資嗎？房產其實是一個週期性的投資。屋價會在幾年裏高漲，然後幾年會在低成長階段。馬來西亞屋價指數2009年左右因爲美國次貸危機，馬來西亞房產價格成長率也跌到谷底，2009年後，屋價就去到了接下來5年的爆漲起。然後政府開始推出一些政策來把房地產投機冷卻，比如第三間房產最多隻能貸款70%，提高印花稅，提高RPGT Tax。屋價在2014年後增長就一直放緩到現在。去年因爲疫情，屋價增長還跌倒負增長。第一間買入的屋子，現在做着民宿我就剛巧在2009年用了43萬買入了第一套雙層樓排屋。我只能說我是非常幸運的買在了對的時機，屋價在短短几年裏漲了一倍，屋價漲到了90萬。在2010年，有一次和朋友聊天，朋友說了一句對我意義蠻深的一句話 - 當你只有一間家，屋價漲了你也不能做什麼，因爲第一間家是自住的，漲了也不能賣。就因爲這一句話，我和家人談了談，最後和家人合資買了間公寓。到現在，屋價也是翻倍了。十年翻倍到底是不是一個好的投資？這每個人有不同的意見。如果對一個在股市賺很多錢的人來講是非常慢的，比如去年有很多人在一年裏股市中就賺了100%，房產對這類投資者來說是太慢了，十年才翻倍。但在我的角度來講，我是很滿意的，股市是有很高風險。高風險當然來着高回報（也有可能會虧錢）。房產雖然比股市慢，但對我來說穩。至少在過去15年裏屋價不成跌倒復增長。表面上看來好像是10年得到了100%回酬，其實並不是這麼算的。第二間家是和銀行貸款90%，其實只是拿出了10%頭期錢，再加上一些律師費，印花稅和用了一些裝修費。如果拿屋價10年起了兩百千，比較支出，回酬十年其實是接近500%。&nbsp;有些人會問我，那你每個月需要還銀行貸款把，","text":"在馬來西亞華人社區裏，都流傳者一句話，”每個人一定要有瓦遮頭“。我不知道其實是馬來西亞還是全球華人都是有這個概念.無獨有偶的就是，哪裏有華人，哪裏的屋價都是很高。馬來西亞房產到底是個好投資嗎？房產其實是一個週期性的投資。屋價會在幾年裏高漲，然後幾年會在低成長階段。馬來西亞屋價指數2009年左右因爲美國次貸危機，馬來西亞房產價格成長率也跌到谷底，2009年後，屋價就去到了接下來5年的爆漲起。然後政府開始推出一些政策來把房地產投機冷卻，比如第三間房產最多隻能貸款70%，提高印花稅，提高RPGT Tax。屋價在2014年後增長就一直放緩到現在。去年因爲疫情，屋價增長還跌倒負增長。第一間買入的屋子，現在做着民宿我就剛巧在2009年用了43萬買入了第一套雙層樓排屋。我只能說我是非常幸運的買在了對的時機，屋價在短短几年裏漲了一倍，屋價漲到了90萬。在2010年，有一次和朋友聊天，朋友說了一句對我意義蠻深的一句話 - 當你只有一間家，屋價漲了你也不能做什麼，因爲第一間家是自住的，漲了也不能賣。就因爲這一句話，我和家人談了談，最後和家人合資買了間公寓。到現在，屋價也是翻倍了。十年翻倍到底是不是一個好的投資？這每個人有不同的意見。如果對一個在股市賺很多錢的人來講是非常慢的，比如去年有很多人在一年裏股市中就賺了100%，房產對這類投資者來說是太慢了，十年才翻倍。但在我的角度來講，我是很滿意的，股市是有很高風險。高風險當然來着高回報（也有可能會虧錢）。房產雖然比股市慢，但對我來說穩。至少在過去15年裏屋價不成跌倒復增長。表面上看來好像是10年得到了100%回酬，其實並不是這麼算的。第二間家是和銀行貸款90%，其實只是拿出了10%頭期錢，再加上一些律師費，印花稅和用了一些裝修費。如果拿屋價10年起了兩百千，比較支出，回酬十年其實是接近500%。 有些人會問我，那你每個月需要還銀行貸款把，","images":[{"img":"https://static.tigerbbs.com/1e4f1fff630d2357772399ea12eebc6e","width":"0","height":"0"},{"img":"https://static.tigerbbs.com/64f5f369d26deb66ff32fdc3d40388e1","width":"0","height":"0"},{"img":"https://static.tigerbbs.com/0aeb96bf14bffb2903e0b6a7c3ba89dc","width":"0","height":"0"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/888885187","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":4,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":2800,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}