$SOFI · Investing Simplified - Professor G · 2026-11-05
我持有少量 SOFI 仓位，称其表现符合预期：营收增长 44% 至创纪录的 13.7 亿美元，利润增长 73%，贷款损失改善；稀释、做空者担忧和利率上升拖累了股价。只有在盈利能力持续改善且增长保持同样速度的情况下，我才可能加仓。
逐段跳播
我们来看下一个箭头。这只股票一直波动极大，也多少令人沮丧，所以这一点我理解，但让我说说这里的情况。这只股票是“SoFi”。该股目前交易在17美元左右，今年下跌了35%，较11月高点下跌了47%，但最近在10月27日发布财报后跳涨了13%。
原因如下。SoFi 的业务从未像现在这样强劲。营收增长了44%，达到创纪录的13.7亿美元。公司新增了120万名会员，会员总数达到1710万，存款达到513亿美元。它还公布了2.41亿美元的利润，并将全年营收预期上调至50.4亿美元，预计到2027年将达到64亿美元。
那么，这只股票为什么仍然表现挣扎？股东权益的稀释、对做空者的担忧以及利率上升，都对股价构成了沉重压力，但最新财报显示利润同比增长73%，个人贷款损失也真正有所改善。华尔街仍然存在分歧，平均目标价在20至21美元之间，涨幅约为20%，不过一些分析师预计它会达到26或27美元。
那么，我对这只股票的下一步是什么？目前对我来说，我只是继续持有这些股票。SoFi 在我的投资组合中仍然只占很小的仓位，而公司的表现完全符合我的预期。如果盈利能力继续改善，并且我们继续看到同样的增长速度，我肯定有可能买入更多。但就目前而言，我会让这笔投资顺其自然。
Let's move on to the next arrow. This stock has been extremely volatile and somewhat frustrating, so I understand that, but let me talk about what's going on here. This stock is "SoFi".
The stock is trading around $17, down 35% this year and 47% from its November high, but recently jumped 13% after its earnings report on October 27. Here's why. Sophie's work has never been stronger than it is now.
Revenue rose by 44% to a record high of $1.37 billion. The company added 1.2 million members, bringing the total number of members to 17.1 million, and deposits reached $51.3 billion.
It also reported profits of $241 million and raised its full-year revenue forecast to $5.04 billion, with projections to reach $6.4 billion by 2027. So why is this stock still struggling?
The dilution of shareholder equity, concerns about short sellers, and rising interest rates have all weighed heavily on the stock, but the latest earnings showed a 73% year-on-year profit growth with a real improvement in personal loan losses.
Wall Street remains divided with an average price target of between $20 and $21, an increase of approximately 20%, although some analysts expect it to reach $26 or $27. So, what is my next step regarding this stock?
For me at the moment, I'm just holding onto the stocks. Sophie still represents a small position in my portfolio, and the company is performing exactly as I had hoped. If profitability continues to improve and we continue to see the same growth rate, I could certainly see myself buying more.
But for now, I'm going to let the investment take its course.
SoFi 和 Drum Memory Fund 都依赖于刚刚创下纪录的盈利业务。SoFi 和 Micron 继续实现创纪录的季度利润。
Both Sophie and the Drum Memory Fund rely on profitable businesses that have just broken records. Sophie and Micron continue to achieve record quarterly profits .
Applied Digital 的营收增长了三倍多。这三只股票仍远低于各自的高点。这才是真正的折扣。
Applied Digital's revenues have more than quadrupled. All three stocks remain well below their high levels. This is the real discount.
观察点
这个频道对 $SOFI 的历次判断
Investing Simplified - Professor G 在这只股票上共 2 条判断，这里只列相邻的几条。