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2021-06-30

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SoFi Technologies Needs to Gain API Traction Before Once-SPAC Shares Will Move

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Thank you","highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":2,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/151901773","repostId":1155997499,"repostType":4,"repost":{"id":"1155997499","pubTimestamp":1625059501,"share":"https://www.laohu8.com/m/news/1155997499?lang=&edition=full","pubTime":"2021-06-30 21:25","market":"us","language":"en","title":"SoFi Technologies Needs to Gain API Traction Before Once-SPAC Shares Will Move","url":"https://stock-news.laohu8.com/highlight/detail?id=1155997499","media":"InvestorPlace","summary":"SOFI stock has stalled since the IPO, meaning you still have time to get in\nIt seems everyone is pou","content":"SOFI stock has stalled since the IPO, meaning you still have time to get in\nIt seems everyone is pounding the table for&nbsp;SoFi Technologies(NASDAQ:SOFI) stock.&nbsp;Even me. While I was skeptical of&nbsp;the SPAC deal&nbsp;that turned IPOE shares into SOFI stock at the start of June, I still think it’s&nbsp;good for the long run.\nMuch of that is based on faith in CEO Anthony Noto, formerly withFacebook(NASDAQ:FB),Twitter(NASDAQ:TWTR), and the National Football League. (That’s why SoFi’s name is on the new Los Angeles Rams’ stadium.)\nCNBC’s&nbsp;Jim Cramer&nbsp;loves Noto. So do&nbsp;both&nbsp;analysts following it. They&nbsp;aren’t alone.\nIn that case, why is SOFI still locked near its June 1 price. You can buy it June 29 for about $20.25 a share. Should you?\nSOFI Stock Bull Case\nSoFi started as a lender, beginning with student loans. It would sell consumers on terms, then re-sell the loans to banks. It has since become an online banker and broker as well.\nBut the secret sauce is Galileo,which it bought last year. Galileo offers “banking APIs,” application program interfaces that let clients build out digital banking offerings. Clients include Chime and Robinhood, two of the hottest pre-IPO fintechs around.\nBecause SoFi competes with Galileo customers. it hired&nbsp;Derek White, who formerly ran&nbsp;Alphabet’s(NASDAQ:GOOGL) Google Cloud&nbsp;financial services operation,to run the unit autonomously. The banking press is&nbsp;rubbing White’s baldpate with glee.\nThe Stall Case\nWhy, then, does SoFi remain&nbsp;locked&nbsp;in its pre-IPO trading range?\nOne reason is the cost of its SPAC deal. While the transaction totaled $8.65 billion,only $2.4 billion&nbsp;in cash landed on the balance sheet. SPACs were wildly popular early in the year, but they’re far less popular now. Costs like this are a big reason. SPAC sponsors like Chamath Palihapitiya, who took SoFi public, now have a“heads I win, tails you lose”reputation.\nThen there’s a lack of information. SoFi revenue for the March quarter, reported on June 1,was $221 million. The June quarter won’t be reported until Sept. 1, when $237 million&nbsp;of revenue is expected.\nSo, that means investors are mostly left with analyst hype to go on through the summer. This includes SoFi itself, which has projected earnings making it worth $24-$28/share,according to our Mark Hake.\nOppenheimer’s&nbsp;Dominick Gabriele&nbsp;initiated coverage at the beginning of June with an “outperform” rating and a $25 price target.Rosenblatt Securities’&nbsp;Sean Horgan&nbsp;last week maintained his “buy” rating and set a price target of $30.\nOver the last year, however,83% of SoFi revenues have come from banking. The expectation is that the brokerage, which competes with Robinhood but&nbsp;now sells SPACs&nbsp;as well as stocks, will start to take off. But if the brokerage doesn’t take off, investors may be out of luck, as with past online bank efforts&nbsp;LendingClub(NYSE:LC) and&nbsp;Affirm Holdings(NASDAQ:AFRM).\nThen there’s&nbsp;the specter of deflation&nbsp;raised by our Josh Enomoto. Technology creates deflation. An online bank has neither branches, nor tellers nor loan managers. But deflation is very, very&nbsp;bad for banking.\nThe Bottom Line\nWe still have time to get in on the ground floor with SoFi.\nFinancial results aren’t due until September. Until its business model starts to prove out, it’s a pure speculation.\nThis means you don’t throw any money into SoFi stock that you can’t afford to lose. You’re betting on Noto, on his fee-based business model and on the creativity of his team. The bet looks good now, but there are no guarantees.","source":"lsy1606302653667","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SoFi Technologies Needs to Gain API Traction Before Once-SPAC Shares Will Move</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSoFi Technologies Needs to Gain API Traction Before Once-SPAC Shares Will Move\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-30 21:25 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2021/06/sofi-technologies-needs-to-gain-api-traction-before-once-spac-shares-will-move/>InvestorPlace</a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\nSOFI stock has stalled since the IPO, meaning you still have time to get in\nIt seems everyone is pounding the table for SoFi Technologies(NASDAQ:SOFI) stock. Even me. While I was skeptical of the SPAC...\n\n<a href=\"https://investorplace.com/2021/06/sofi-technologies-needs-to-gain-api-traction-before-once-spac-shares-will-move/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://investorplace.com/2021/06/sofi-technologies-needs-to-gain-api-traction-before-once-spac-shares-will-move/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1155997499","content_text":"SOFI stock has stalled since the IPO, meaning you still have time to get in\nIt seems everyone is pounding the table for SoFi Technologies(NASDAQ:SOFI) stock. Even me. While I was skeptical of the SPAC deal that turned IPOE shares into SOFI stock at the start of June, I still think it’s good for the long run.\nMuch of that is based on faith in CEO Anthony Noto, formerly withFacebook(NASDAQ:FB),Twitter(NASDAQ:TWTR), and the National Football League. (That’s why SoFi’s name is on the new Los Angeles Rams’ stadium.)\nCNBC’s Jim Cramer loves Noto. So do both analysts following it. They aren’t alone.\nIn that case, why is SOFI still locked near its June 1 price. You can buy it June 29 for about $20.25 a share. Should you?\nSOFI Stock Bull Case\nSoFi started as a lender, beginning with student loans. It would sell consumers on terms, then re-sell the loans to banks. It has since become an online banker and broker as well.\nBut the secret sauce is Galileo,which it bought last year. Galileo offers “banking APIs,” application program interfaces that let clients build out digital banking offerings. Clients include Chime and Robinhood, two of the hottest pre-IPO fintechs around.\nBecause SoFi competes with Galileo customers. it hired Derek White, who formerly ran Alphabet’s(NASDAQ:GOOGL) Google Cloud financial services operation,to run the unit autonomously. The banking press is rubbing White’s baldpate with glee.\nThe Stall Case\nWhy, then, does SoFi remain locked in its pre-IPO trading range?\nOne reason is the cost of its SPAC deal. While the transaction totaled $8.65 billion,only $2.4 billion in cash landed on the balance sheet. SPACs were wildly popular early in the year, but they’re far less popular now. Costs like this are a big reason. SPAC sponsors like Chamath Palihapitiya, who took SoFi public, now have a“heads I win, tails you lose”reputation.\nThen there’s a lack of information. SoFi revenue for the March quarter, reported on June 1,was $221 million. The June quarter won’t be reported until Sept. 1, when $237 million of revenue is expected.\nSo, that means investors are mostly left with analyst hype to go on through the summer. This includes SoFi itself, which has projected earnings making it worth $24-$28/share,according to our Mark Hake.\nOppenheimer’s Dominick Gabriele initiated coverage at the beginning of June with an “outperform” rating and a $25 price target.Rosenblatt Securities’ Sean Horgan last week maintained his “buy” rating and set a price target of $30.\nOver the last year, however,83% of SoFi revenues have come from banking. The expectation is that the brokerage, which competes with Robinhood but now sells SPACs as well as stocks, will start to take off. But if the brokerage doesn’t take off, investors may be out of luck, as with past online bank efforts LendingClub(NYSE:LC) and Affirm Holdings(NASDAQ:AFRM).\nThen there’s the specter of deflation raised by our Josh Enomoto. Technology creates deflation. An online bank has neither branches, nor tellers nor loan managers. But deflation is very, very bad for banking.\nThe Bottom Line\nWe still have time to get in on the ground floor with SoFi.\nFinancial results aren’t due until September. Until its business model starts to prove out, it’s a pure speculation.\nThis means you don’t throw any money into SoFi stock that you can’t afford to lose. You’re betting on Noto, on his fee-based business model and on the creativity of his team. The bet looks good now, but there are no guarantees.","news_type":1},"isVote":1,"tweetType":1,"viewCount":68,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":26,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/151901773"}