$SOFI · Schwab Network · 2026-10-27
SoFi 本季度是一场急需的大胜：调整后每股收益 18 美分，超过 17 美分的预期；营收 13.7 亿美元超出预期并增长 43%，净利润增长逾 70%；全年调整后营收指引上调至 50 亿美元，年度每股收益指引上调 1 美分至 61 美分。贷款业务营收超出预期，发放量激增——在股价年初至今已下跌逾 40% 的背景下，这是一场急需的胜利。
逐段跳播
好，接下来看 SoFi。这是今早又一只大涨的股票。该股上涨近10%，这对 SoFi 来说是一场急需的大胜。SoFi 在最新季度业绩公布后上调了业绩展望，每股收益超出预期，调整后为18美分。华尔街预期为17美分。所以是超出1美分。
All right, let's cross over to SoFi. This is another one that is off to the races this morning. That stock rallying nearly 10% and this one is a big win that SoFi needed. [music] SoFi lifting their outlook off the back of their latest quarterly results and they beat expectations uh on earnings per share coming in at 18 cents on an adjusted base.
The street was looking for 17 cents. So that's a penny beat there.
而且这还是一个峰值。营收超出预期，达到13.7亿美元。华尔街预期略高于12.5亿美元。所以营收增长43%，净利润跃升超过70%。
Uh it's a peak no less. Uh revenue coming in ahead of expectations at 1.37 billion. The street was looking for a touch more than one and a quarter billion. So revenue rising 43% net income jumping more than 70%.
他们上调了全年展望。将全年调整后营收预期上调至50亿美元，高于此前47.5亿至48.5亿美元的区间。他们还将全年盈利预期上调1美分，至每股61美分。
They've raised their fullear outlook. They've raised their fullear adjusted revenue forecast to 5 billion. That's up from a prior range of between 4.75 to 4.85. They've also raised their annual earnings forecast by a penny to 61 cents per share.
CEO 表示，这些业绩是在利率回落、环境更为艰难的情况下取得的。我们知道这种情况一直在发生。所以我年初就预料到了这一点。
The CEO says the results come even despite a tougher uh interest rate backward drop. We know that that's been happening. Uh so I had anticipated that the start of this year.
他们的贷款业务在这里表现非常强劲。贷款收入攀升至8700万美元，远高于分析师的预期。他们原本预期为7.11亿美元。
Their lending engine is just off to the races here. Lending revenue climbing to 87 million here. That's well above what analysts anticipated. They were anticipating 711 million.
贷款发放总额激增71%。个人贷款发放量增长69%。学生贷款发放量几乎翻倍。所以他们的贷款业务表现非常强劲。贷款业务占调整后净营收的59%，高于去年同期。
Total loan origination surging from 71% here. Personal loan originations rose 69%. Student loan originations nearly doubled here. So, they're off to the races on lending. Lending making up 59% of adjusted net revenue, which is up from the same time a year ago.
这是 SoFi 急需的一场胜利，要知道在今天之前，该股年初至今已下跌超过40%，同比下跌超过50%。
It's a win that SoFi needed when you keep in mind coming into today that stock was down more than 40% year-to date and year-over-year was down more than 50%.
这个频道对 $SOFI 的历次判断
Schwab Network 在这只股票上共 2 条判断，这里只列相邻的几条。