2 Unstoppable Stocks That Could Produce 10X Returns

Motley Fool2021-11-11

A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work ...

网页链接

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

Firecookies
2021-11-11
Firecookies
Thanks for sharing
Darren77
2021-11-11
Darren77
Great mind thinks alike! Huge value stocks that are worth keeping & not throwing just earning a few dollars to walk away. Real investors n traders will hold n wait as the growth shall be a good huge returns! 🥂
- EvelynHoover:
  Watch you! But holding a stock for a long time requires good patience, because the market is always fluctuating and the company is constantly adjusting. I don't have such patience. But I hope you have good luck!
- MurrayBulwer:
  You must be a good value investor. Because this will require long-term investment, just like Buffett. Long term holding will bring good results. Of course, the premise is to choose good stocks.
KelvinChan
2021-11-11
KelvinChan
Good
- KelvinChan:
  Good
BigThumb
2021-11-11
BigThumb
Hmm… interesting [Strong]
Bubble5728
2021-11-11
Bubble5728
[Cool]
Will101
2021-11-11
Will101
Like
- Will101:
  Ok

发表看法

{"i18n":{"language":"zh_CN"},"isChannel":false,"data":{"share":"https://www.laohu8.com/m/news/2182039707?lang=zh_CN&edition=full","thumbnail":"","is_english":true,"pubTime":"2021-11-11 11:41","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2182039707","market":"us","top_or_hot":-1,"title":"2 Unstoppable Stocks That Could Produce 10X Returns","media":"Motley Fool","content":"<div>\n<p>A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/\">网页链接</a>\n\n</div>\n","source":"fool_stock","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>2 Unstoppable Stocks That Could Produce 10X Returns</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\">\n2 Unstoppable Stocks That Could Produce 10X Returns\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-11 11:41 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"SOFI","symbol_name":"SoFi Technologies Inc.","start_time":0,"source_url":"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/","article_id":"2182039707","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2182039707","pubTimestamp":1636602066,"columns":[],"sourceInfo":{"source_id":"fool_stock","name":"Motley Fool"},"weMediaInfo":null,"summary":"A long-term mindset is the secret to building life-changing wealth.","collect":0,"end_time":0,"defaultTopTitle":"fool.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"SOFI":"SoFi Technologies Inc.","UPST":"Upstart Holdings, Inc."},"translate_title":"2个不可阻挡的股票，可以产生10倍的回报","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"SOFI":0.9,"UPST":0.9},"content_text":"A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work its magic, but that doesn't mean the process is complicated. All you need is patience and a diversified portfolio of high-quality stocks.\nSoFi Technologies (NASDAQ:SOFI) and Upstart Holdings (NASDAQ:UPST) participate in the unstoppable fintech industry, and both stocks have the potential to grow tenfold in value over the next decade. Here's what you should know.\n1. SoFi Technologies\nSoFi is a mobile-first fintech company. Its platform includes lending products like student loans and mortgages as well as financial services like money management accounts (SoFi Money), brokerage services (SoFi Invest), credit cards (SoFi Credit Card), and access to third-party insurance products (SoFi Protect).\nIn 2020, SoFi also acquired Galileo, a technology platform that allows financial companies to provision digital banking services. For instance, Galileo makes it possible to issue physical or digital debit cards, create deposit accounts, and process payments. Several well-known fintechs rely on Galileo, including Chime, MoneyLion, and Robinhood Markets (NASDAQ:HOOD).\nThe breadth and simplicity of SoFi's platform gives it an edge over many other rivals, and that has helped the company grow quickly. In fact, SoFi's member base has accelerated for eight consecutive quarters, and the number of products used by those members has grown even faster. Collectively, that tremendous engagement drove revenue of $231 million, up 101%.\nGoing forward, SoFi puts its market opportunity at $2 trillion, meaning it has plenty of room to grow its business. To that end, in March 2021, the company submitted its application to become a bank holding company, and it entered into an agreement to acquire Golden Pacific Bank. Once SoFi has a national bank charter, the resultant synergies should supercharge its business.\nThe company currently relies on bank partners to provide money management services to SoFi Money account holders. But with a bank charter, SoFi could provide those services directly. In turn, that would allow it to fund loans with customer deposits, meaning lower interest rates for borrowers and higher interest rates for SoFi Money account holders. That would not only create value for members, but it would improve the unit economics for SoFi. That's why this stock (with an $18 billion market cap) could grow tenfold over the next decade, becoming a $180 billion company.\n2. Upstart Holdings\nUpstart is fintech company that's disrupting the consumer lending industry. Traditionally, banks have used credit models that incorporate (at most) 30 variables to determine who qualifies for financing and at what interest rate. However, Upstart believes those models deny many creditworthy borrowers, and that many people who are approved are charged too much. Case in point: 80% of Americans have never defaulted on a loan, but just 48% have access to prime credit.\nTo that end, Upstart leans on artificial intelligence to make consumer financing more inclusive and efficient. Its platform collects over 1,600 data points per applicant, and measures those variables against 10.5 million repayment events. That allows Upstart to quantify risk more precisely than alternative methods. In fact, the company believes its AI models are four to eight times more effective than traditional credit models.\nWho does that benefit? Everybody. Consumers benefit from greater approval rates and lower interest rates, while Upstart's bank partners benefit from greater approval rates (more business) and lower loss rates. And the network effect created by Upstart's AI models should reinforce those benefits over time. In other words, as its platform is used to originate more loans, Upstart will collect more data, making its predictive engine more intelligent.\nNot surprisingly, Upstart is growing at a phenomenal pace. During the second quarter, bank partners originated $2.8 billion in loans using its technology, up 1,605% from the prior year. That caused revenue to skyrocket 1,018% to $194 million, and the company posted a profit according to generally accepted accounting principles (GAAP) of $37 million.\nShareholders have plenty of reasons to be excited about this company. Upstart recently entered the auto lending space, bumping its market opportunity to $719 billion, but the company plans to pursue other markets the future, including credit cards, student loans, and mortgages. That would boost its total addressable market (TAM) to $4.2 trillion. To put that in perspective, Upstart facilitated just $4.5 billion in loans through the first half 2021 (or $9 billion on an annualized basis), which represents 1.2% of its current TAM, and 0.2% of its potential TAM.\nThat's why I think this $26 billion fintech stock can grow tenfold over the next 10 years.","kind":"highlight","is_publish_news":true,"is_publish_highlight":true,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":870642826,"gmtCreate":1636616764698,"gmtModify":1636616764698,"author":{"id":"3581905304322072","authorId":"3581905304322072","name":"Firecookies","avatar":"https://static.tigerbbs.com/535d566c31661a1ca0fe7641064aea02","vip":1,"crmLevel":3,"crmLevelSwitch":0,"authorIdStr":"3581905304322072","idStr":"3581905304322072"},"htmlText":"Thanks for sharing","listText":"Thanks for sharing","text":"Thanks for sharing","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/870642826","repostId":2182039707,"repostType":2,"repost":{"id":"2182039707","kind":"highlight","pubTimestamp":1636602066,"share":"https://www.laohu8.com/m/news/2182039707?lang=&edition=full","pubTime":"2021-11-11 11:41","market":"us","language":"en","title":"2 Unstoppable Stocks That Could Produce 10X Returns","url":"https://stock-news.laohu8.com/highlight/detail?id=2182039707","media":"Motley Fool","summary":"A long-term mindset is the secret to building life-changing wealth.","content":"<p>A long-term mindset is <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work its magic, but that doesn't mean the process is complicated. All you need is patience and a diversified portfolio of high-quality stocks.</p>\n<p><b>SoFi Technologies</b> (NASDAQ:SOFI) and <b>Upstart Holdings</b> (NASDAQ:UPST) participate in the unstoppable fintech industry, and both stocks have the potential to grow tenfold in value over the next decade. Here's what you should know.</p>\n<h2>1. SoFi Technologies</h2>\n<p>SoFi is a mobile-first fintech company. Its platform includes lending products like student loans and mortgages as well as financial services like money management accounts (SoFi Money), brokerage services (SoFi Invest), credit cards (SoFi Credit Card), and access to third-party insurance products (SoFi Protect).</p>\n<p>In 2020, SoFi also acquired Galileo, a technology platform that allows financial companies to provision digital banking services. For instance, Galileo makes it possible to issue physical or digital debit cards, create deposit accounts, and process payments. Several well-known fintechs rely on Galileo, including Chime, MoneyLion, and <b>Robinhood Markets </b>(NASDAQ:HOOD).</p>\n<p>The breadth and simplicity of SoFi's platform gives it an edge over many other rivals, and that has helped the company grow quickly. In fact, SoFi's member base has accelerated for eight consecutive quarters, and the number of products used by those members has grown even faster. Collectively, that tremendous engagement drove revenue of $231 million, up 101%.</p>\n<p>Going forward, SoFi puts its market opportunity at $2 trillion, meaning it has plenty of room to grow its business. To that end, in March 2021, the company submitted its application to become a bank holding company, and it entered into an agreement to acquire Golden Pacific Bank. Once SoFi has a national bank charter, the resultant synergies should supercharge its business.</p>\n<p>The company currently relies on bank partners to provide money management services to SoFi Money account holders. But with a bank charter, SoFi could provide those services directly. In turn, that would allow it to fund loans with customer deposits, meaning lower interest rates for borrowers and higher interest rates for SoFi Money account holders. That would not only create value for members, but it would improve the unit economics for SoFi.&nbsp;That's why&nbsp;this stock (with an $18 billion market cap) could grow tenfold over the next decade, becoming a $180 billion company.</p>\n<h2>2. Upstart Holdings</h2>\n<p>Upstart is fintech company that's disrupting the consumer lending industry. Traditionally, banks have used credit models that incorporate (at most) 30 variables to determine who qualifies for financing and at what interest rate. However, Upstart believes those models deny many creditworthy borrowers, and that many people who are approved are charged too much. Case in point: 80% of Americans have never defaulted on a loan, but just 48% have access to prime credit.</p>\n<p>To that end, Upstart leans on artificial intelligence to make consumer financing more inclusive and efficient. Its platform collects over 1,600 data&nbsp;points per applicant, and measures those variables against 10.5 million repayment events. That allows Upstart to quantify risk more precisely than alternative methods. In fact, the company believes its AI models are four to eight times more effective than traditional credit models.</p>\n<p>Who does that benefit? Everybody. Consumers benefit from greater approval rates and lower interest rates, while Upstart's bank partners benefit from greater approval rates (more business) and lower loss rates. And the network effect created by Upstart's AI models should reinforce those benefits over time. In other words, as its platform is used to originate more loans, Upstart will collect more data, making its predictive engine more intelligent.</p>\n<p>Not surprisingly, Upstart is growing at a phenomenal pace. During the second quarter, bank partners originated $2.8 billion in loans using its technology, up 1,605% from the prior year. That caused revenue to skyrocket 1,018% to $194 million, and the company posted a profit according to generally accepted accounting principles (GAAP) of $37 million.</p>\n<p>Shareholders have plenty of reasons to be excited about this company. Upstart recently entered the auto lending space, bumping its market opportunity to $719 billion, but the company plans to pursue other markets the future, including credit cards, student loans, and mortgages. That would boost its total addressable market (TAM) to $4.2 trillion. To put that in perspective, Upstart facilitated just $4.5 billion in loans through the first half 2021 (or $9 billion on an annualized basis), which represents 1.2% of its current TAM, and 0.2% of its potential TAM.</p>\n<p>That's why I think this $26 billion fintech stock can grow tenfold over the next 10 years.</p>","source":"fool_stock","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>2 Unstoppable Stocks That Could Produce 10X Returns</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\">\n2 Unstoppable Stocks That Could Produce 10X Returns\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-11 11:41 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc.","SOFI":"SoFi Technologies Inc."},"source_url":"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2182039707","content_text":"A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work its magic, but that doesn't mean the process is complicated. All you need is patience and a diversified portfolio of high-quality stocks.\nSoFi Technologies (NASDAQ:SOFI) and Upstart Holdings (NASDAQ:UPST) participate in the unstoppable fintech industry, and both stocks have the potential to grow tenfold in value over the next decade. Here's what you should know.\n1. SoFi Technologies\nSoFi is a mobile-first fintech company. Its platform includes lending products like student loans and mortgages as well as financial services like money management accounts (SoFi Money), brokerage services (SoFi Invest), credit cards (SoFi Credit Card), and access to third-party insurance products (SoFi Protect).\nIn 2020, SoFi also acquired Galileo, a technology platform that allows financial companies to provision digital banking services. For instance, Galileo makes it possible to issue physical or digital debit cards, create deposit accounts, and process payments. Several well-known fintechs rely on Galileo, including Chime, MoneyLion, and Robinhood Markets (NASDAQ:HOOD).\nThe breadth and simplicity of SoFi's platform gives it an edge over many other rivals, and that has helped the company grow quickly. In fact, SoFi's member base has accelerated for eight consecutive quarters, and the number of products used by those members has grown even faster. Collectively, that tremendous engagement drove revenue of $231 million, up 101%.\nGoing forward, SoFi puts its market opportunity at $2 trillion, meaning it has plenty of room to grow its business. To that end, in March 2021, the company submitted its application to become a bank holding company, and it entered into an agreement to acquire Golden Pacific Bank. Once SoFi has a national bank charter, the resultant synergies should supercharge its business.\nThe company currently relies on bank partners to provide money management services to SoFi Money account holders. But with a bank charter, SoFi could provide those services directly. In turn, that would allow it to fund loans with customer deposits, meaning lower interest rates for borrowers and higher interest rates for SoFi Money account holders. That would not only create value for members, but it would improve the unit economics for SoFi. That's why this stock (with an $18 billion market cap) could grow tenfold over the next decade, becoming a $180 billion company.\n2. Upstart Holdings\nUpstart is fintech company that's disrupting the consumer lending industry. Traditionally, banks have used credit models that incorporate (at most) 30 variables to determine who qualifies for financing and at what interest rate. However, Upstart believes those models deny many creditworthy borrowers, and that many people who are approved are charged too much. Case in point: 80% of Americans have never defaulted on a loan, but just 48% have access to prime credit.\nTo that end, Upstart leans on artificial intelligence to make consumer financing more inclusive and efficient. Its platform collects over 1,600 data points per applicant, and measures those variables against 10.5 million repayment events. That allows Upstart to quantify risk more precisely than alternative methods. In fact, the company believes its AI models are four to eight times more effective than traditional credit models.\nWho does that benefit? Everybody. Consumers benefit from greater approval rates and lower interest rates, while Upstart's bank partners benefit from greater approval rates (more business) and lower loss rates. And the network effect created by Upstart's AI models should reinforce those benefits over time. In other words, as its platform is used to originate more loans, Upstart will collect more data, making its predictive engine more intelligent.\nNot surprisingly, Upstart is growing at a phenomenal pace. During the second quarter, bank partners originated $2.8 billion in loans using its technology, up 1,605% from the prior year. That caused revenue to skyrocket 1,018% to $194 million, and the company posted a profit according to generally accepted accounting principles (GAAP) of $37 million.\nShareholders have plenty of reasons to be excited about this company. Upstart recently entered the auto lending space, bumping its market opportunity to $719 billion, but the company plans to pursue other markets the future, including credit cards, student loans, and mortgages. That would boost its total addressable market (TAM) to $4.2 trillion. To put that in perspective, Upstart facilitated just $4.5 billion in loans through the first half 2021 (or $9 billion on an annualized basis), which represents 1.2% of its current TAM, and 0.2% of its potential TAM.\nThat's why I think this $26 billion fintech stock can grow tenfold over the next 10 years.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":870649170,"gmtCreate":1636616221935,"gmtModify":1636616222053,"author":{"id":"4094472714185500","authorId":"4094472714185500","name":"Darren77","avatar":"https://static.tigerbbs.com/2206f9dd3aead74b079f6d0bbed2f0d9","vip":1,"crmLevel":7,"crmLevelSwitch":0,"authorIdStr":"4094472714185500","idStr":"4094472714185500"},"htmlText":"Great mind thinks alike! Huge value stocks that are worth keeping &amp; not throwing just earning a few dollars to walk away. Real investors n traders will hold n wait as the growth shall be a good huge returns! 🥂&nbsp;","listText":"Great mind thinks alike! Huge value stocks that are worth keeping &amp; not throwing just earning a few dollars to walk away. Real investors n traders will hold n wait as the growth shall be a good huge returns! 🥂&nbsp;","text":"Great mind thinks alike! Huge value stocks that are worth keeping & not throwing just earning a few dollars to walk away. Real investors n traders will hold n wait as the growth shall be a good huge returns! 🥂","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/870649170","repostId":2182039707,"repostType":2,"repost":{"id":"2182039707","kind":"highlight","pubTimestamp":1636602066,"share":"https://www.laohu8.com/m/news/2182039707?lang=&edition=full","pubTime":"2021-11-11 11:41","market":"us","language":"en","title":"2 Unstoppable Stocks That Could Produce 10X Returns","url":"https://stock-news.laohu8.com/highlight/detail?id=2182039707","media":"Motley Fool","summary":"A long-term mindset is the secret to building life-changing wealth.","content":"<p>A long-term mindset is <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work its magic, but that doesn't mean the process is complicated. All you need is patience and a diversified portfolio of high-quality stocks.</p>\n<p><b>SoFi Technologies</b> (NASDAQ:SOFI) and <b>Upstart Holdings</b> (NASDAQ:UPST) participate in the unstoppable fintech industry, and both stocks have the potential to grow tenfold in value over the next decade. Here's what you should know.</p>\n<h2>1. SoFi Technologies</h2>\n<p>SoFi is a mobile-first fintech company. Its platform includes lending products like student loans and mortgages as well as financial services like money management accounts (SoFi Money), brokerage services (SoFi Invest), credit cards (SoFi Credit Card), and access to third-party insurance products (SoFi Protect).</p>\n<p>In 2020, SoFi also acquired Galileo, a technology platform that allows financial companies to provision digital banking services. For instance, Galileo makes it possible to issue physical or digital debit cards, create deposit accounts, and process payments. Several well-known fintechs rely on Galileo, including Chime, MoneyLion, and <b>Robinhood Markets </b>(NASDAQ:HOOD).</p>\n<p>The breadth and simplicity of SoFi's platform gives it an edge over many other rivals, and that has helped the company grow quickly. In fact, SoFi's member base has accelerated for eight consecutive quarters, and the number of products used by those members has grown even faster. Collectively, that tremendous engagement drove revenue of $231 million, up 101%.</p>\n<p>Going forward, SoFi puts its market opportunity at $2 trillion, meaning it has plenty of room to grow its business. To that end, in March 2021, the company submitted its application to become a bank holding company, and it entered into an agreement to acquire Golden Pacific Bank. Once SoFi has a national bank charter, the resultant synergies should supercharge its business.</p>\n<p>The company currently relies on bank partners to provide money management services to SoFi Money account holders. But with a bank charter, SoFi could provide those services directly. In turn, that would allow it to fund loans with customer deposits, meaning lower interest rates for borrowers and higher interest rates for SoFi Money account holders. That would not only create value for members, but it would improve the unit economics for SoFi.&nbsp;That's why&nbsp;this stock (with an $18 billion market cap) could grow tenfold over the next decade, becoming a $180 billion company.</p>\n<h2>2. Upstart Holdings</h2>\n<p>Upstart is fintech company that's disrupting the consumer lending industry. Traditionally, banks have used credit models that incorporate (at most) 30 variables to determine who qualifies for financing and at what interest rate. However, Upstart believes those models deny many creditworthy borrowers, and that many people who are approved are charged too much. Case in point: 80% of Americans have never defaulted on a loan, but just 48% have access to prime credit.</p>\n<p>To that end, Upstart leans on artificial intelligence to make consumer financing more inclusive and efficient. Its platform collects over 1,600 data&nbsp;points per applicant, and measures those variables against 10.5 million repayment events. That allows Upstart to quantify risk more precisely than alternative methods. In fact, the company believes its AI models are four to eight times more effective than traditional credit models.</p>\n<p>Who does that benefit? Everybody. Consumers benefit from greater approval rates and lower interest rates, while Upstart's bank partners benefit from greater approval rates (more business) and lower loss rates. And the network effect created by Upstart's AI models should reinforce those benefits over time. In other words, as its platform is used to originate more loans, Upstart will collect more data, making its predictive engine more intelligent.</p>\n<p>Not surprisingly, Upstart is growing at a phenomenal pace. During the second quarter, bank partners originated $2.8 billion in loans using its technology, up 1,605% from the prior year. That caused revenue to skyrocket 1,018% to $194 million, and the company posted a profit according to generally accepted accounting principles (GAAP) of $37 million.</p>\n<p>Shareholders have plenty of reasons to be excited about this company. Upstart recently entered the auto lending space, bumping its market opportunity to $719 billion, but the company plans to pursue other markets the future, including credit cards, student loans, and mortgages. That would boost its total addressable market (TAM) to $4.2 trillion. To put that in perspective, Upstart facilitated just $4.5 billion in loans through the first half 2021 (or $9 billion on an annualized basis), which represents 1.2% of its current TAM, and 0.2% of its potential TAM.</p>\n<p>That's why I think this $26 billion fintech stock can grow tenfold over the next 10 years.</p>","source":"fool_stock","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>2 Unstoppable Stocks That Could Produce 10X Returns</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\">\n2 Unstoppable Stocks That Could Produce 10X Returns\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-11 11:41 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc.","SOFI":"SoFi Technologies Inc."},"source_url":"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2182039707","content_text":"A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work its magic, but that doesn't mean the process is complicated. All you need is patience and a diversified portfolio of high-quality stocks.\nSoFi Technologies (NASDAQ:SOFI) and Upstart Holdings (NASDAQ:UPST) participate in the unstoppable fintech industry, and both stocks have the potential to grow tenfold in value over the next decade. Here's what you should know.\n1. SoFi Technologies\nSoFi is a mobile-first fintech company. Its platform includes lending products like student loans and mortgages as well as financial services like money management accounts (SoFi Money), brokerage services (SoFi Invest), credit cards (SoFi Credit Card), and access to third-party insurance products (SoFi Protect).\nIn 2020, SoFi also acquired Galileo, a technology platform that allows financial companies to provision digital banking services. For instance, Galileo makes it possible to issue physical or digital debit cards, create deposit accounts, and process payments. Several well-known fintechs rely on Galileo, including Chime, MoneyLion, and Robinhood Markets (NASDAQ:HOOD).\nThe breadth and simplicity of SoFi's platform gives it an edge over many other rivals, and that has helped the company grow quickly. In fact, SoFi's member base has accelerated for eight consecutive quarters, and the number of products used by those members has grown even faster. Collectively, that tremendous engagement drove revenue of $231 million, up 101%.\nGoing forward, SoFi puts its market opportunity at $2 trillion, meaning it has plenty of room to grow its business. To that end, in March 2021, the company submitted its application to become a bank holding company, and it entered into an agreement to acquire Golden Pacific Bank. Once SoFi has a national bank charter, the resultant synergies should supercharge its business.\nThe company currently relies on bank partners to provide money management services to SoFi Money account holders. But with a bank charter, SoFi could provide those services directly. In turn, that would allow it to fund loans with customer deposits, meaning lower interest rates for borrowers and higher interest rates for SoFi Money account holders. That would not only create value for members, but it would improve the unit economics for SoFi. That's why this stock (with an $18 billion market cap) could grow tenfold over the next decade, becoming a $180 billion company.\n2. Upstart Holdings\nUpstart is fintech company that's disrupting the consumer lending industry. Traditionally, banks have used credit models that incorporate (at most) 30 variables to determine who qualifies for financing and at what interest rate. However, Upstart believes those models deny many creditworthy borrowers, and that many people who are approved are charged too much. Case in point: 80% of Americans have never defaulted on a loan, but just 48% have access to prime credit.\nTo that end, Upstart leans on artificial intelligence to make consumer financing more inclusive and efficient. Its platform collects over 1,600 data points per applicant, and measures those variables against 10.5 million repayment events. That allows Upstart to quantify risk more precisely than alternative methods. In fact, the company believes its AI models are four to eight times more effective than traditional credit models.\nWho does that benefit? Everybody. Consumers benefit from greater approval rates and lower interest rates, while Upstart's bank partners benefit from greater approval rates (more business) and lower loss rates. And the network effect created by Upstart's AI models should reinforce those benefits over time. In other words, as its platform is used to originate more loans, Upstart will collect more data, making its predictive engine more intelligent.\nNot surprisingly, Upstart is growing at a phenomenal pace. During the second quarter, bank partners originated $2.8 billion in loans using its technology, up 1,605% from the prior year. That caused revenue to skyrocket 1,018% to $194 million, and the company posted a profit according to generally accepted accounting principles (GAAP) of $37 million.\nShareholders have plenty of reasons to be excited about this company. Upstart recently entered the auto lending space, bumping its market opportunity to $719 billion, but the company plans to pursue other markets the future, including credit cards, student loans, and mortgages. That would boost its total addressable market (TAM) to $4.2 trillion. To put that in perspective, Upstart facilitated just $4.5 billion in loans through the first half 2021 (or $9 billion on an annualized basis), which represents 1.2% of its current TAM, and 0.2% of its potential TAM.\nThat's why I think this $26 billion fintech stock can grow tenfold over the next 10 years.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6536024,"gmtCreate":1636619796199,"gmtModify":1636619796199,"authorId":9000000000000591,"author":{"id":9000000000000591,"idStr":"9000000000000591","authorId":9000000000000591,"name":"EvelynHoover","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":8,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":870649170,"type":1,"supId":0,"prevId":0,"content":"Watch you! But holding a stock for a long time requires good patience, because the market is always fluctuating and the company is constantly adjusting. I don't have such patience. But I hope you have good luck!","text":"Watch you! But holding a stock for a long time requires good patience, because the market is always fluctuating and the company is constantly adjusting. I don't have such patience. But I hope you have good luck!","html":"Watch you! But holding a stock for a long time requires good patience, because the market is always fluctuating and the company is constantly adjusting. I don't have such patience. But I hope you have good luck!"},{"id":6535993,"gmtCreate":1636619594563,"gmtModify":1636619594563,"authorId":9000000000000463,"author":{"id":9000000000000463,"idStr":"9000000000000463","authorId":9000000000000463,"name":"MurrayBulwer","avatar":"https://static.tigerbbs.com/86339b64cf42eeac7905c45fdbbed7fb","vip":8,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":870649170,"type":1,"supId":0,"prevId":0,"content":"You must be a good value investor. Because this will require long-term investment, just like Buffett. Long term holding will bring good results. Of course, the premise is to choose good stocks.","text":"You must be a good value investor. Because this will require long-term investment, just like Buffett. Long term holding will bring good results. Of course, the premise is to choose good stocks.","html":"You must be a good value investor. Because this will require long-term investment, just like Buffett. Long term holding will bring good results. Of course, the premise is to choose good stocks."}],"langContent":"CN"},{"id":870666832,"gmtCreate":1636612273893,"gmtModify":1636612273996,"author":{"id":"3570776252336545","authorId":"3570776252336545","name":"KelvinChan","avatar":"https://static.tigerbbs.com/322f5dea7567e161ddef26aec462d83d","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"3570776252336545","idStr":"3570776252336545"},"htmlText":"Good&nbsp;","listText":"Good&nbsp;","text":"Good","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/870666832","repostId":2182039707,"repostType":4,"repost":{"id":"2182039707","kind":"highlight","pubTimestamp":1636602066,"share":"https://www.laohu8.com/m/news/2182039707?lang=&edition=full","pubTime":"2021-11-11 11:41","market":"us","language":"en","title":"2 Unstoppable Stocks That Could Produce 10X Returns","url":"https://stock-news.laohu8.com/highlight/detail?id=2182039707","media":"Motley Fool","summary":"A long-term mindset is the secret to building life-changing wealth.","content":"<p>A long-term mindset is <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work its magic, but that doesn't mean the process is complicated. All you need is patience and a diversified portfolio of high-quality stocks.</p>\n<p><b>SoFi Technologies</b> (NASDAQ:SOFI) and <b>Upstart Holdings</b> (NASDAQ:UPST) participate in the unstoppable fintech industry, and both stocks have the potential to grow tenfold in value over the next decade. Here's what you should know.</p>\n<h2>1. SoFi Technologies</h2>\n<p>SoFi is a mobile-first fintech company. Its platform includes lending products like student loans and mortgages as well as financial services like money management accounts (SoFi Money), brokerage services (SoFi Invest), credit cards (SoFi Credit Card), and access to third-party insurance products (SoFi Protect).</p>\n<p>In 2020, SoFi also acquired Galileo, a technology platform that allows financial companies to provision digital banking services. For instance, Galileo makes it possible to issue physical or digital debit cards, create deposit accounts, and process payments. Several well-known fintechs rely on Galileo, including Chime, MoneyLion, and <b>Robinhood Markets </b>(NASDAQ:HOOD).</p>\n<p>The breadth and simplicity of SoFi's platform gives it an edge over many other rivals, and that has helped the company grow quickly. In fact, SoFi's member base has accelerated for eight consecutive quarters, and the number of products used by those members has grown even faster. Collectively, that tremendous engagement drove revenue of $231 million, up 101%.</p>\n<p>Going forward, SoFi puts its market opportunity at $2 trillion, meaning it has plenty of room to grow its business. To that end, in March 2021, the company submitted its application to become a bank holding company, and it entered into an agreement to acquire Golden Pacific Bank. Once SoFi has a national bank charter, the resultant synergies should supercharge its business.</p>\n<p>The company currently relies on bank partners to provide money management services to SoFi Money account holders. But with a bank charter, SoFi could provide those services directly. In turn, that would allow it to fund loans with customer deposits, meaning lower interest rates for borrowers and higher interest rates for SoFi Money account holders. That would not only create value for members, but it would improve the unit economics for SoFi.&nbsp;That's why&nbsp;this stock (with an $18 billion market cap) could grow tenfold over the next decade, becoming a $180 billion company.</p>\n<h2>2. Upstart Holdings</h2>\n<p>Upstart is fintech company that's disrupting the consumer lending industry. Traditionally, banks have used credit models that incorporate (at most) 30 variables to determine who qualifies for financing and at what interest rate. However, Upstart believes those models deny many creditworthy borrowers, and that many people who are approved are charged too much. Case in point: 80% of Americans have never defaulted on a loan, but just 48% have access to prime credit.</p>\n<p>To that end, Upstart leans on artificial intelligence to make consumer financing more inclusive and efficient. Its platform collects over 1,600 data&nbsp;points per applicant, and measures those variables against 10.5 million repayment events. That allows Upstart to quantify risk more precisely than alternative methods. In fact, the company believes its AI models are four to eight times more effective than traditional credit models.</p>\n<p>Who does that benefit? Everybody. Consumers benefit from greater approval rates and lower interest rates, while Upstart's bank partners benefit from greater approval rates (more business) and lower loss rates. And the network effect created by Upstart's AI models should reinforce those benefits over time. In other words, as its platform is used to originate more loans, Upstart will collect more data, making its predictive engine more intelligent.</p>\n<p>Not surprisingly, Upstart is growing at a phenomenal pace. During the second quarter, bank partners originated $2.8 billion in loans using its technology, up 1,605% from the prior year. That caused revenue to skyrocket 1,018% to $194 million, and the company posted a profit according to generally accepted accounting principles (GAAP) of $37 million.</p>\n<p>Shareholders have plenty of reasons to be excited about this company. Upstart recently entered the auto lending space, bumping its market opportunity to $719 billion, but the company plans to pursue other markets the future, including credit cards, student loans, and mortgages. That would boost its total addressable market (TAM) to $4.2 trillion. To put that in perspective, Upstart facilitated just $4.5 billion in loans through the first half 2021 (or $9 billion on an annualized basis), which represents 1.2% of its current TAM, and 0.2% of its potential TAM.</p>\n<p>That's why I think this $26 billion fintech stock can grow tenfold over the next 10 years.</p>","source":"fool_stock","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>2 Unstoppable Stocks That Could Produce 10X Returns</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\">\n2 Unstoppable Stocks That Could Produce 10X Returns\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-11 11:41 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc.","SOFI":"SoFi Technologies Inc."},"source_url":"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2182039707","content_text":"A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work its magic, but that doesn't mean the process is complicated. All you need is patience and a diversified portfolio of high-quality stocks.\nSoFi Technologies (NASDAQ:SOFI) and Upstart Holdings (NASDAQ:UPST) participate in the unstoppable fintech industry, and both stocks have the potential to grow tenfold in value over the next decade. Here's what you should know.\n1. SoFi Technologies\nSoFi is a mobile-first fintech company. Its platform includes lending products like student loans and mortgages as well as financial services like money management accounts (SoFi Money), brokerage services (SoFi Invest), credit cards (SoFi Credit Card), and access to third-party insurance products (SoFi Protect).\nIn 2020, SoFi also acquired Galileo, a technology platform that allows financial companies to provision digital banking services. For instance, Galileo makes it possible to issue physical or digital debit cards, create deposit accounts, and process payments. Several well-known fintechs rely on Galileo, including Chime, MoneyLion, and Robinhood Markets (NASDAQ:HOOD).\nThe breadth and simplicity of SoFi's platform gives it an edge over many other rivals, and that has helped the company grow quickly. In fact, SoFi's member base has accelerated for eight consecutive quarters, and the number of products used by those members has grown even faster. Collectively, that tremendous engagement drove revenue of $231 million, up 101%.\nGoing forward, SoFi puts its market opportunity at $2 trillion, meaning it has plenty of room to grow its business. To that end, in March 2021, the company submitted its application to become a bank holding company, and it entered into an agreement to acquire Golden Pacific Bank. Once SoFi has a national bank charter, the resultant synergies should supercharge its business.\nThe company currently relies on bank partners to provide money management services to SoFi Money account holders. But with a bank charter, SoFi could provide those services directly. In turn, that would allow it to fund loans with customer deposits, meaning lower interest rates for borrowers and higher interest rates for SoFi Money account holders. That would not only create value for members, but it would improve the unit economics for SoFi. That's why this stock (with an $18 billion market cap) could grow tenfold over the next decade, becoming a $180 billion company.\n2. Upstart Holdings\nUpstart is fintech company that's disrupting the consumer lending industry. Traditionally, banks have used credit models that incorporate (at most) 30 variables to determine who qualifies for financing and at what interest rate. However, Upstart believes those models deny many creditworthy borrowers, and that many people who are approved are charged too much. Case in point: 80% of Americans have never defaulted on a loan, but just 48% have access to prime credit.\nTo that end, Upstart leans on artificial intelligence to make consumer financing more inclusive and efficient. Its platform collects over 1,600 data points per applicant, and measures those variables against 10.5 million repayment events. That allows Upstart to quantify risk more precisely than alternative methods. In fact, the company believes its AI models are four to eight times more effective than traditional credit models.\nWho does that benefit? Everybody. Consumers benefit from greater approval rates and lower interest rates, while Upstart's bank partners benefit from greater approval rates (more business) and lower loss rates. And the network effect created by Upstart's AI models should reinforce those benefits over time. In other words, as its platform is used to originate more loans, Upstart will collect more data, making its predictive engine more intelligent.\nNot surprisingly, Upstart is growing at a phenomenal pace. During the second quarter, bank partners originated $2.8 billion in loans using its technology, up 1,605% from the prior year. That caused revenue to skyrocket 1,018% to $194 million, and the company posted a profit according to generally accepted accounting principles (GAAP) of $37 million.\nShareholders have plenty of reasons to be excited about this company. Upstart recently entered the auto lending space, bumping its market opportunity to $719 billion, but the company plans to pursue other markets the future, including credit cards, student loans, and mortgages. That would boost its total addressable market (TAM) to $4.2 trillion. To put that in perspective, Upstart facilitated just $4.5 billion in loans through the first half 2021 (or $9 billion on an annualized basis), which represents 1.2% of its current TAM, and 0.2% of its potential TAM.\nThat's why I think this $26 billion fintech stock can grow tenfold over the next 10 years.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6535166,"gmtCreate":1636612278060,"gmtModify":1636612278159,"authorId":3570776252336545,"author":{"id":3570776252336545,"idStr":"3570776252336545","authorId":3570776252336545,"name":"KelvinChan","avatar":"https://static.tigerbbs.com/322f5dea7567e161ddef26aec462d83d","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":870666832,"type":1,"supId":0,"prevId":0,"content":"Good","text":"Good","html":"Good"}],"langContent":"CN"},{"id":870632470,"gmtCreate":1636609094201,"gmtModify":1636609094487,"author":{"id":"3581996485604595","authorId":"3581996485604595","name":"BigThumb","avatar":"https://static.tigerbbs.com/d9366427dbceb4a03b5342d31b6c3aaa","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"3581996485604595","idStr":"3581996485604595"},"htmlText":"Hmm… interesting [Strong]&nbsp;","listText":"Hmm… interesting [Strong]&nbsp;","text":"Hmm… interesting [Strong]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/870632470","repostId":2182039707,"repostType":4,"repost":{"id":"2182039707","kind":"highlight","pubTimestamp":1636602066,"share":"https://www.laohu8.com/m/news/2182039707?lang=&edition=full","pubTime":"2021-11-11 11:41","market":"us","language":"en","title":"2 Unstoppable Stocks That Could Produce 10X Returns","url":"https://stock-news.laohu8.com/highlight/detail?id=2182039707","media":"Motley Fool","summary":"A long-term mindset is the secret to building life-changing wealth.","content":"<p>A long-term mindset is <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work its magic, but that doesn't mean the process is complicated. All you need is patience and a diversified portfolio of high-quality stocks.</p>\n<p><b>SoFi Technologies</b> (NASDAQ:SOFI) and <b>Upstart Holdings</b> (NASDAQ:UPST) participate in the unstoppable fintech industry, and both stocks have the potential to grow tenfold in value over the next decade. Here's what you should know.</p>\n<h2>1. SoFi Technologies</h2>\n<p>SoFi is a mobile-first fintech company. Its platform includes lending products like student loans and mortgages as well as financial services like money management accounts (SoFi Money), brokerage services (SoFi Invest), credit cards (SoFi Credit Card), and access to third-party insurance products (SoFi Protect).</p>\n<p>In 2020, SoFi also acquired Galileo, a technology platform that allows financial companies to provision digital banking services. For instance, Galileo makes it possible to issue physical or digital debit cards, create deposit accounts, and process payments. Several well-known fintechs rely on Galileo, including Chime, MoneyLion, and <b>Robinhood Markets </b>(NASDAQ:HOOD).</p>\n<p>The breadth and simplicity of SoFi's platform gives it an edge over many other rivals, and that has helped the company grow quickly. In fact, SoFi's member base has accelerated for eight consecutive quarters, and the number of products used by those members has grown even faster. Collectively, that tremendous engagement drove revenue of $231 million, up 101%.</p>\n<p>Going forward, SoFi puts its market opportunity at $2 trillion, meaning it has plenty of room to grow its business. To that end, in March 2021, the company submitted its application to become a bank holding company, and it entered into an agreement to acquire Golden Pacific Bank. Once SoFi has a national bank charter, the resultant synergies should supercharge its business.</p>\n<p>The company currently relies on bank partners to provide money management services to SoFi Money account holders. But with a bank charter, SoFi could provide those services directly. In turn, that would allow it to fund loans with customer deposits, meaning lower interest rates for borrowers and higher interest rates for SoFi Money account holders. That would not only create value for members, but it would improve the unit economics for SoFi.&nbsp;That's why&nbsp;this stock (with an $18 billion market cap) could grow tenfold over the next decade, becoming a $180 billion company.</p>\n<h2>2. Upstart Holdings</h2>\n<p>Upstart is fintech company that's disrupting the consumer lending industry. Traditionally, banks have used credit models that incorporate (at most) 30 variables to determine who qualifies for financing and at what interest rate. However, Upstart believes those models deny many creditworthy borrowers, and that many people who are approved are charged too much. Case in point: 80% of Americans have never defaulted on a loan, but just 48% have access to prime credit.</p>\n<p>To that end, Upstart leans on artificial intelligence to make consumer financing more inclusive and efficient. Its platform collects over 1,600 data&nbsp;points per applicant, and measures those variables against 10.5 million repayment events. That allows Upstart to quantify risk more precisely than alternative methods. In fact, the company believes its AI models are four to eight times more effective than traditional credit models.</p>\n<p>Who does that benefit? Everybody. Consumers benefit from greater approval rates and lower interest rates, while Upstart's bank partners benefit from greater approval rates (more business) and lower loss rates. And the network effect created by Upstart's AI models should reinforce those benefits over time. In other words, as its platform is used to originate more loans, Upstart will collect more data, making its predictive engine more intelligent.</p>\n<p>Not surprisingly, Upstart is growing at a phenomenal pace. During the second quarter, bank partners originated $2.8 billion in loans using its technology, up 1,605% from the prior year. That caused revenue to skyrocket 1,018% to $194 million, and the company posted a profit according to generally accepted accounting principles (GAAP) of $37 million.</p>\n<p>Shareholders have plenty of reasons to be excited about this company. Upstart recently entered the auto lending space, bumping its market opportunity to $719 billion, but the company plans to pursue other markets the future, including credit cards, student loans, and mortgages. That would boost its total addressable market (TAM) to $4.2 trillion. To put that in perspective, Upstart facilitated just $4.5 billion in loans through the first half 2021 (or $9 billion on an annualized basis), which represents 1.2% of its current TAM, and 0.2% of its potential TAM.</p>\n<p>That's why I think this $26 billion fintech stock can grow tenfold over the next 10 years.</p>","source":"fool_stock","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>2 Unstoppable Stocks That Could Produce 10X Returns</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\">\n2 Unstoppable Stocks That Could Produce 10X Returns\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-11 11:41 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc.","SOFI":"SoFi Technologies Inc."},"source_url":"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2182039707","content_text":"A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work its magic, but that doesn't mean the process is complicated. All you need is patience and a diversified portfolio of high-quality stocks.\nSoFi Technologies (NASDAQ:SOFI) and Upstart Holdings (NASDAQ:UPST) participate in the unstoppable fintech industry, and both stocks have the potential to grow tenfold in value over the next decade. Here's what you should know.\n1. SoFi Technologies\nSoFi is a mobile-first fintech company. Its platform includes lending products like student loans and mortgages as well as financial services like money management accounts (SoFi Money), brokerage services (SoFi Invest), credit cards (SoFi Credit Card), and access to third-party insurance products (SoFi Protect).\nIn 2020, SoFi also acquired Galileo, a technology platform that allows financial companies to provision digital banking services. For instance, Galileo makes it possible to issue physical or digital debit cards, create deposit accounts, and process payments. Several well-known fintechs rely on Galileo, including Chime, MoneyLion, and Robinhood Markets (NASDAQ:HOOD).\nThe breadth and simplicity of SoFi's platform gives it an edge over many other rivals, and that has helped the company grow quickly. In fact, SoFi's member base has accelerated for eight consecutive quarters, and the number of products used by those members has grown even faster. Collectively, that tremendous engagement drove revenue of $231 million, up 101%.\nGoing forward, SoFi puts its market opportunity at $2 trillion, meaning it has plenty of room to grow its business. To that end, in March 2021, the company submitted its application to become a bank holding company, and it entered into an agreement to acquire Golden Pacific Bank. Once SoFi has a national bank charter, the resultant synergies should supercharge its business.\nThe company currently relies on bank partners to provide money management services to SoFi Money account holders. But with a bank charter, SoFi could provide those services directly. In turn, that would allow it to fund loans with customer deposits, meaning lower interest rates for borrowers and higher interest rates for SoFi Money account holders. That would not only create value for members, but it would improve the unit economics for SoFi. That's why this stock (with an $18 billion market cap) could grow tenfold over the next decade, becoming a $180 billion company.\n2. Upstart Holdings\nUpstart is fintech company that's disrupting the consumer lending industry. Traditionally, banks have used credit models that incorporate (at most) 30 variables to determine who qualifies for financing and at what interest rate. However, Upstart believes those models deny many creditworthy borrowers, and that many people who are approved are charged too much. Case in point: 80% of Americans have never defaulted on a loan, but just 48% have access to prime credit.\nTo that end, Upstart leans on artificial intelligence to make consumer financing more inclusive and efficient. Its platform collects over 1,600 data points per applicant, and measures those variables against 10.5 million repayment events. That allows Upstart to quantify risk more precisely than alternative methods. In fact, the company believes its AI models are four to eight times more effective than traditional credit models.\nWho does that benefit? Everybody. Consumers benefit from greater approval rates and lower interest rates, while Upstart's bank partners benefit from greater approval rates (more business) and lower loss rates. And the network effect created by Upstart's AI models should reinforce those benefits over time. In other words, as its platform is used to originate more loans, Upstart will collect more data, making its predictive engine more intelligent.\nNot surprisingly, Upstart is growing at a phenomenal pace. During the second quarter, bank partners originated $2.8 billion in loans using its technology, up 1,605% from the prior year. That caused revenue to skyrocket 1,018% to $194 million, and the company posted a profit according to generally accepted accounting principles (GAAP) of $37 million.\nShareholders have plenty of reasons to be excited about this company. Upstart recently entered the auto lending space, bumping its market opportunity to $719 billion, but the company plans to pursue other markets the future, including credit cards, student loans, and mortgages. That would boost its total addressable market (TAM) to $4.2 trillion. To put that in perspective, Upstart facilitated just $4.5 billion in loans through the first half 2021 (or $9 billion on an annualized basis), which represents 1.2% of its current TAM, and 0.2% of its potential TAM.\nThat's why I think this $26 billion fintech stock can grow tenfold over the next 10 years.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":870636206,"gmtCreate":1636608923444,"gmtModify":1636608923519,"author":{"id":"3575454990112554","authorId":"3575454990112554","name":"Bubble5728","avatar":"https://static.tigerbbs.com/ffe6f8385b6f65785cb6f3337622382d","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"3575454990112554","idStr":"3575454990112554"},"htmlText":"[Cool]&nbsp;","listText":"[Cool]&nbsp;","text":"[Cool]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/870636206","repostId":2182039707,"repostType":4,"repost":{"id":"2182039707","kind":"highlight","pubTimestamp":1636602066,"share":"https://www.laohu8.com/m/news/2182039707?lang=&edition=full","pubTime":"2021-11-11 11:41","market":"us","language":"en","title":"2 Unstoppable Stocks That Could Produce 10X Returns","url":"https://stock-news.laohu8.com/highlight/detail?id=2182039707","media":"Motley Fool","summary":"A long-term mindset is the secret to building life-changing wealth.","content":"<p>A long-term mindset is <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work its magic, but that doesn't mean the process is complicated. All you need is patience and a diversified portfolio of high-quality stocks.</p>\n<p><b>SoFi Technologies</b> (NASDAQ:SOFI) and <b>Upstart Holdings</b> (NASDAQ:UPST) participate in the unstoppable fintech industry, and both stocks have the potential to grow tenfold in value over the next decade. Here's what you should know.</p>\n<h2>1. SoFi Technologies</h2>\n<p>SoFi is a mobile-first fintech company. Its platform includes lending products like student loans and mortgages as well as financial services like money management accounts (SoFi Money), brokerage services (SoFi Invest), credit cards (SoFi Credit Card), and access to third-party insurance products (SoFi Protect).</p>\n<p>In 2020, SoFi also acquired Galileo, a technology platform that allows financial companies to provision digital banking services. For instance, Galileo makes it possible to issue physical or digital debit cards, create deposit accounts, and process payments. Several well-known fintechs rely on Galileo, including Chime, MoneyLion, and <b>Robinhood Markets </b>(NASDAQ:HOOD).</p>\n<p>The breadth and simplicity of SoFi's platform gives it an edge over many other rivals, and that has helped the company grow quickly. In fact, SoFi's member base has accelerated for eight consecutive quarters, and the number of products used by those members has grown even faster. Collectively, that tremendous engagement drove revenue of $231 million, up 101%.</p>\n<p>Going forward, SoFi puts its market opportunity at $2 trillion, meaning it has plenty of room to grow its business. To that end, in March 2021, the company submitted its application to become a bank holding company, and it entered into an agreement to acquire Golden Pacific Bank. Once SoFi has a national bank charter, the resultant synergies should supercharge its business.</p>\n<p>The company currently relies on bank partners to provide money management services to SoFi Money account holders. But with a bank charter, SoFi could provide those services directly. In turn, that would allow it to fund loans with customer deposits, meaning lower interest rates for borrowers and higher interest rates for SoFi Money account holders. That would not only create value for members, but it would improve the unit economics for SoFi.&nbsp;That's why&nbsp;this stock (with an $18 billion market cap) could grow tenfold over the next decade, becoming a $180 billion company.</p>\n<h2>2. Upstart Holdings</h2>\n<p>Upstart is fintech company that's disrupting the consumer lending industry. Traditionally, banks have used credit models that incorporate (at most) 30 variables to determine who qualifies for financing and at what interest rate. However, Upstart believes those models deny many creditworthy borrowers, and that many people who are approved are charged too much. Case in point: 80% of Americans have never defaulted on a loan, but just 48% have access to prime credit.</p>\n<p>To that end, Upstart leans on artificial intelligence to make consumer financing more inclusive and efficient. Its platform collects over 1,600 data&nbsp;points per applicant, and measures those variables against 10.5 million repayment events. That allows Upstart to quantify risk more precisely than alternative methods. In fact, the company believes its AI models are four to eight times more effective than traditional credit models.</p>\n<p>Who does that benefit? Everybody. Consumers benefit from greater approval rates and lower interest rates, while Upstart's bank partners benefit from greater approval rates (more business) and lower loss rates. And the network effect created by Upstart's AI models should reinforce those benefits over time. In other words, as its platform is used to originate more loans, Upstart will collect more data, making its predictive engine more intelligent.</p>\n<p>Not surprisingly, Upstart is growing at a phenomenal pace. During the second quarter, bank partners originated $2.8 billion in loans using its technology, up 1,605% from the prior year. That caused revenue to skyrocket 1,018% to $194 million, and the company posted a profit according to generally accepted accounting principles (GAAP) of $37 million.</p>\n<p>Shareholders have plenty of reasons to be excited about this company. Upstart recently entered the auto lending space, bumping its market opportunity to $719 billion, but the company plans to pursue other markets the future, including credit cards, student loans, and mortgages. That would boost its total addressable market (TAM) to $4.2 trillion. To put that in perspective, Upstart facilitated just $4.5 billion in loans through the first half 2021 (or $9 billion on an annualized basis), which represents 1.2% of its current TAM, and 0.2% of its potential TAM.</p>\n<p>That's why I think this $26 billion fintech stock can grow tenfold over the next 10 years.</p>","source":"fool_stock","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>2 Unstoppable Stocks That Could Produce 10X Returns</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\">\n2 Unstoppable Stocks That Could Produce 10X Returns\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-11 11:41 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc.","SOFI":"SoFi Technologies Inc."},"source_url":"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2182039707","content_text":"A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work its magic, but that doesn't mean the process is complicated. All you need is patience and a diversified portfolio of high-quality stocks.\nSoFi Technologies (NASDAQ:SOFI) and Upstart Holdings (NASDAQ:UPST) participate in the unstoppable fintech industry, and both stocks have the potential to grow tenfold in value over the next decade. Here's what you should know.\n1. SoFi Technologies\nSoFi is a mobile-first fintech company. Its platform includes lending products like student loans and mortgages as well as financial services like money management accounts (SoFi Money), brokerage services (SoFi Invest), credit cards (SoFi Credit Card), and access to third-party insurance products (SoFi Protect).\nIn 2020, SoFi also acquired Galileo, a technology platform that allows financial companies to provision digital banking services. For instance, Galileo makes it possible to issue physical or digital debit cards, create deposit accounts, and process payments. Several well-known fintechs rely on Galileo, including Chime, MoneyLion, and Robinhood Markets (NASDAQ:HOOD).\nThe breadth and simplicity of SoFi's platform gives it an edge over many other rivals, and that has helped the company grow quickly. In fact, SoFi's member base has accelerated for eight consecutive quarters, and the number of products used by those members has grown even faster. Collectively, that tremendous engagement drove revenue of $231 million, up 101%.\nGoing forward, SoFi puts its market opportunity at $2 trillion, meaning it has plenty of room to grow its business. To that end, in March 2021, the company submitted its application to become a bank holding company, and it entered into an agreement to acquire Golden Pacific Bank. Once SoFi has a national bank charter, the resultant synergies should supercharge its business.\nThe company currently relies on bank partners to provide money management services to SoFi Money account holders. But with a bank charter, SoFi could provide those services directly. In turn, that would allow it to fund loans with customer deposits, meaning lower interest rates for borrowers and higher interest rates for SoFi Money account holders. That would not only create value for members, but it would improve the unit economics for SoFi. That's why this stock (with an $18 billion market cap) could grow tenfold over the next decade, becoming a $180 billion company.\n2. Upstart Holdings\nUpstart is fintech company that's disrupting the consumer lending industry. Traditionally, banks have used credit models that incorporate (at most) 30 variables to determine who qualifies for financing and at what interest rate. However, Upstart believes those models deny many creditworthy borrowers, and that many people who are approved are charged too much. Case in point: 80% of Americans have never defaulted on a loan, but just 48% have access to prime credit.\nTo that end, Upstart leans on artificial intelligence to make consumer financing more inclusive and efficient. Its platform collects over 1,600 data points per applicant, and measures those variables against 10.5 million repayment events. That allows Upstart to quantify risk more precisely than alternative methods. In fact, the company believes its AI models are four to eight times more effective than traditional credit models.\nWho does that benefit? Everybody. Consumers benefit from greater approval rates and lower interest rates, while Upstart's bank partners benefit from greater approval rates (more business) and lower loss rates. And the network effect created by Upstart's AI models should reinforce those benefits over time. In other words, as its platform is used to originate more loans, Upstart will collect more data, making its predictive engine more intelligent.\nNot surprisingly, Upstart is growing at a phenomenal pace. During the second quarter, bank partners originated $2.8 billion in loans using its technology, up 1,605% from the prior year. That caused revenue to skyrocket 1,018% to $194 million, and the company posted a profit according to generally accepted accounting principles (GAAP) of $37 million.\nShareholders have plenty of reasons to be excited about this company. Upstart recently entered the auto lending space, bumping its market opportunity to $719 billion, but the company plans to pursue other markets the future, including credit cards, student loans, and mortgages. That would boost its total addressable market (TAM) to $4.2 trillion. To put that in perspective, Upstart facilitated just $4.5 billion in loans through the first half 2021 (or $9 billion on an annualized basis), which represents 1.2% of its current TAM, and 0.2% of its potential TAM.\nThat's why I think this $26 billion fintech stock can grow tenfold over the next 10 years.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":870601649,"gmtCreate":1636606903805,"gmtModify":1636606903906,"author":{"id":"3585476489553693","authorId":"3585476489553693","name":"Will101","avatar":"https://static.tigerbbs.com/0642b9beaee6b15c17a213aafa7b9791","vip":1,"crmLevel":5,"crmLevelSwitch":0,"authorIdStr":"3585476489553693","idStr":"3585476489553693"},"htmlText":"Like","listText":"Like","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/870601649","repostId":2182039707,"repostType":4,"repost":{"id":"2182039707","kind":"highlight","pubTimestamp":1636602066,"share":"https://www.laohu8.com/m/news/2182039707?lang=&edition=full","pubTime":"2021-11-11 11:41","market":"us","language":"en","title":"2 Unstoppable Stocks That Could Produce 10X Returns","url":"https://stock-news.laohu8.com/highlight/detail?id=2182039707","media":"Motley Fool","summary":"A long-term mindset is the secret to building life-changing wealth.","content":"<p>A long-term mindset is <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work its magic, but that doesn't mean the process is complicated. All you need is patience and a diversified portfolio of high-quality stocks.</p>\n<p><b>SoFi Technologies</b> (NASDAQ:SOFI) and <b>Upstart Holdings</b> (NASDAQ:UPST) participate in the unstoppable fintech industry, and both stocks have the potential to grow tenfold in value over the next decade. Here's what you should know.</p>\n<h2>1. SoFi Technologies</h2>\n<p>SoFi is a mobile-first fintech company. Its platform includes lending products like student loans and mortgages as well as financial services like money management accounts (SoFi Money), brokerage services (SoFi Invest), credit cards (SoFi Credit Card), and access to third-party insurance products (SoFi Protect).</p>\n<p>In 2020, SoFi also acquired Galileo, a technology platform that allows financial companies to provision digital banking services. For instance, Galileo makes it possible to issue physical or digital debit cards, create deposit accounts, and process payments. Several well-known fintechs rely on Galileo, including Chime, MoneyLion, and <b>Robinhood Markets </b>(NASDAQ:HOOD).</p>\n<p>The breadth and simplicity of SoFi's platform gives it an edge over many other rivals, and that has helped the company grow quickly. In fact, SoFi's member base has accelerated for eight consecutive quarters, and the number of products used by those members has grown even faster. Collectively, that tremendous engagement drove revenue of $231 million, up 101%.</p>\n<p>Going forward, SoFi puts its market opportunity at $2 trillion, meaning it has plenty of room to grow its business. To that end, in March 2021, the company submitted its application to become a bank holding company, and it entered into an agreement to acquire Golden Pacific Bank. Once SoFi has a national bank charter, the resultant synergies should supercharge its business.</p>\n<p>The company currently relies on bank partners to provide money management services to SoFi Money account holders. But with a bank charter, SoFi could provide those services directly. In turn, that would allow it to fund loans with customer deposits, meaning lower interest rates for borrowers and higher interest rates for SoFi Money account holders. That would not only create value for members, but it would improve the unit economics for SoFi.&nbsp;That's why&nbsp;this stock (with an $18 billion market cap) could grow tenfold over the next decade, becoming a $180 billion company.</p>\n<h2>2. Upstart Holdings</h2>\n<p>Upstart is fintech company that's disrupting the consumer lending industry. Traditionally, banks have used credit models that incorporate (at most) 30 variables to determine who qualifies for financing and at what interest rate. However, Upstart believes those models deny many creditworthy borrowers, and that many people who are approved are charged too much. Case in point: 80% of Americans have never defaulted on a loan, but just 48% have access to prime credit.</p>\n<p>To that end, Upstart leans on artificial intelligence to make consumer financing more inclusive and efficient. Its platform collects over 1,600 data&nbsp;points per applicant, and measures those variables against 10.5 million repayment events. That allows Upstart to quantify risk more precisely than alternative methods. In fact, the company believes its AI models are four to eight times more effective than traditional credit models.</p>\n<p>Who does that benefit? Everybody. Consumers benefit from greater approval rates and lower interest rates, while Upstart's bank partners benefit from greater approval rates (more business) and lower loss rates. And the network effect created by Upstart's AI models should reinforce those benefits over time. In other words, as its platform is used to originate more loans, Upstart will collect more data, making its predictive engine more intelligent.</p>\n<p>Not surprisingly, Upstart is growing at a phenomenal pace. During the second quarter, bank partners originated $2.8 billion in loans using its technology, up 1,605% from the prior year. That caused revenue to skyrocket 1,018% to $194 million, and the company posted a profit according to generally accepted accounting principles (GAAP) of $37 million.</p>\n<p>Shareholders have plenty of reasons to be excited about this company. Upstart recently entered the auto lending space, bumping its market opportunity to $719 billion, but the company plans to pursue other markets the future, including credit cards, student loans, and mortgages. That would boost its total addressable market (TAM) to $4.2 trillion. To put that in perspective, Upstart facilitated just $4.5 billion in loans through the first half 2021 (or $9 billion on an annualized basis), which represents 1.2% of its current TAM, and 0.2% of its potential TAM.</p>\n<p>That's why I think this $26 billion fintech stock can grow tenfold over the next 10 years.</p>","source":"fool_stock","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>2 Unstoppable Stocks That Could Produce 10X Returns</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\">\n2 Unstoppable Stocks That Could Produce 10X Returns\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-11 11:41 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc.","SOFI":"SoFi Technologies Inc."},"source_url":"https://www.fool.com/investing/2021/11/10/2-stocks-that-could-produce-10x-returns-upstart/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2182039707","content_text":"A long-term mindset is one of the most important qualities any investor can possess. In most cases, life-changing wealth doesn't accumulate overnight. Instead, it takes time for compounding to work its magic, but that doesn't mean the process is complicated. All you need is patience and a diversified portfolio of high-quality stocks.\nSoFi Technologies (NASDAQ:SOFI) and Upstart Holdings (NASDAQ:UPST) participate in the unstoppable fintech industry, and both stocks have the potential to grow tenfold in value over the next decade. Here's what you should know.\n1. SoFi Technologies\nSoFi is a mobile-first fintech company. Its platform includes lending products like student loans and mortgages as well as financial services like money management accounts (SoFi Money), brokerage services (SoFi Invest), credit cards (SoFi Credit Card), and access to third-party insurance products (SoFi Protect).\nIn 2020, SoFi also acquired Galileo, a technology platform that allows financial companies to provision digital banking services. For instance, Galileo makes it possible to issue physical or digital debit cards, create deposit accounts, and process payments. Several well-known fintechs rely on Galileo, including Chime, MoneyLion, and Robinhood Markets (NASDAQ:HOOD).\nThe breadth and simplicity of SoFi's platform gives it an edge over many other rivals, and that has helped the company grow quickly. In fact, SoFi's member base has accelerated for eight consecutive quarters, and the number of products used by those members has grown even faster. Collectively, that tremendous engagement drove revenue of $231 million, up 101%.\nGoing forward, SoFi puts its market opportunity at $2 trillion, meaning it has plenty of room to grow its business. To that end, in March 2021, the company submitted its application to become a bank holding company, and it entered into an agreement to acquire Golden Pacific Bank. Once SoFi has a national bank charter, the resultant synergies should supercharge its business.\nThe company currently relies on bank partners to provide money management services to SoFi Money account holders. But with a bank charter, SoFi could provide those services directly. In turn, that would allow it to fund loans with customer deposits, meaning lower interest rates for borrowers and higher interest rates for SoFi Money account holders. That would not only create value for members, but it would improve the unit economics for SoFi. That's why this stock (with an $18 billion market cap) could grow tenfold over the next decade, becoming a $180 billion company.\n2. Upstart Holdings\nUpstart is fintech company that's disrupting the consumer lending industry. Traditionally, banks have used credit models that incorporate (at most) 30 variables to determine who qualifies for financing and at what interest rate. However, Upstart believes those models deny many creditworthy borrowers, and that many people who are approved are charged too much. Case in point: 80% of Americans have never defaulted on a loan, but just 48% have access to prime credit.\nTo that end, Upstart leans on artificial intelligence to make consumer financing more inclusive and efficient. Its platform collects over 1,600 data points per applicant, and measures those variables against 10.5 million repayment events. That allows Upstart to quantify risk more precisely than alternative methods. In fact, the company believes its AI models are four to eight times more effective than traditional credit models.\nWho does that benefit? Everybody. Consumers benefit from greater approval rates and lower interest rates, while Upstart's bank partners benefit from greater approval rates (more business) and lower loss rates. And the network effect created by Upstart's AI models should reinforce those benefits over time. In other words, as its platform is used to originate more loans, Upstart will collect more data, making its predictive engine more intelligent.\nNot surprisingly, Upstart is growing at a phenomenal pace. During the second quarter, bank partners originated $2.8 billion in loans using its technology, up 1,605% from the prior year. That caused revenue to skyrocket 1,018% to $194 million, and the company posted a profit according to generally accepted accounting principles (GAAP) of $37 million.\nShareholders have plenty of reasons to be excited about this company. Upstart recently entered the auto lending space, bumping its market opportunity to $719 billion, but the company plans to pursue other markets the future, including credit cards, student loans, and mortgages. That would boost its total addressable market (TAM) to $4.2 trillion. To put that in perspective, Upstart facilitated just $4.5 billion in loans through the first half 2021 (or $9 billion on an annualized basis), which represents 1.2% of its current TAM, and 0.2% of its potential TAM.\nThat's why I think this $26 billion fintech stock can grow tenfold over the next 10 years.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6534483,"gmtCreate":1636606912587,"gmtModify":1636606912664,"authorId":3585476489553693,"author":{"id":3585476489553693,"idStr":"3585476489553693","authorId":3585476489553693,"name":"Will101","avatar":"https://static.tigerbbs.com/0642b9beaee6b15c17a213aafa7b9791","vip":1,"crmLevel":5,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":870601649,"type":1,"supId":0,"prevId":0,"content":"Ok","text":"Ok","html":"Ok"}],"langContent":"CN"}],"isCommentEnd":false,"newsSizeData":{"likeSize":95,"commentSize":17,"repostSize":0,"favoriteSize":2,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.29.3","shortVersion":"4.29.3","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2182039707"}