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- LeonYeoLeonYeo
  ·2021-12-30
  Great ariticle, would you like to share it?
  非常抱歉，此主贴已删除
  935 评论
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- LeonYeoLeonYeo
  ·2021-12-23
  nice one
  非常抱歉，此主贴已删除
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- LeonYeoLeonYeo
  ·2021-12-23
  yea
  Pinterest Stock Has Slumped. Why One Analyst Doesn’t See Much of a Rebound.
  Pinterest stock has shed nearly half its value in the past six months. An analyst at Citi Research j
  Pinterest Stock Has Slumped. Why One Analyst Doesn’t See Much of a Rebound.
  458 评论
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- LeonYeoLeonYeo
  ·2021-12-23
  great
  Tesla Is Back Above $1,000. Are New Highs Next?
  Tesla stock is back on the move and this time, it's trading back above $1,000. Here's how the charts
  Tesla Is Back Above $1,000. Are New Highs Next?
  411 评论
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- LeonYeoLeonYeo
  ·2021-12-23
  sigh
  Why Nio Shares Dropped Again Today
  Chinese electric vehicle maker Nioheld its annual Nio Day event last weekend where it unveiled its latest new electric sedan. Though customers appear to be eager to purchase one, Nio stock's continued decline has resulted in a 22% drop in the stock's value over the past month. Today, shares dropped 1.03% and continued to slide 1.34% in extended hours.Nio hasn't put out any company-specific news today, but it introduced its new ET5 electric sedan last weekend, which it hopes will compete with Te
  Why Nio Shares Dropped Again Today
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- LeonYeoLeonYeo
  ·2021-12-23
  nice one
  昨夜今晨：美股指两连涨！特斯拉大涨超7%
  摘要：①纳指涨1.18%，新能源汽车股表现强势，特斯拉大涨7.5%； ②美国三季度实际GDP年化季环比终值 2.3%，较二季度增速大幅放缓； ③供应链称苹果首款电动车Apple Car将于
  昨夜今晨：美股指两连涨！特斯拉大涨超7%
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- LeonYeoLeonYeo
  ·2021-11-01
  looking forward of it
  SoFi Technologies: The Bank Charter Will Change Everything
  Summary The bank charter is SoFi's biggest catalyst and will have measurable effects on its margins
  SoFi Technologies: The Bank Charter Will Change Everything
  740 1
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09:48","market":"us","language":"en","title":"Pinterest Stock Has Slumped. Why One Analyst Doesn’t See Much of a Rebound.","url":"https://stock-news.laohu8.com/highlight/detail?id=1102948040","media":"Barrons","summary":"Pinterest stock has shed nearly half its value in the past six months. An analyst at Citi Research j","content":"<p>Pinterest&nbsp;stock has shed nearly half its value in the past six months. An analyst at Citi Research just trimmed his expectations.</p>\n<p>Shares of the image-sharing platform losed&nbsp;up 1.4%, at $37.26&nbsp;on&nbsp;Wednesday, while the&nbsp;S&amp;P 500 index&nbsp;rose 1%. The stock has fallen about 50% in the past six months, as investors largely steered clear of social-media platforms.</p>\n<p>Citi Research analyst Jason Bazinet cut his target price to $42 from $48 in a note on Wednesday. He has a Neutral rating. He says the lower target better reflects the company’s growth prospects relative to social-media peers, and he sees limited upside from recent levels.</p>\n<p>“The company continues to improve U.S. monetization, while also executing on its early efforts to monetize its large non-U.S. user base,” he wrote. “Additionally, 2021 Street estimates look reasonable to us. As such, we believe Pinterest’s growth opportunities are priced in at current levels.”</p>\n<p>Pinterest shares (ticker: PINS) surged in October amid reports about a potential acquisition by&nbsp;PayPal Holdings&nbsp;(PYPL). But the payments firm poured cold water on such a deal when it disclosed on Oct. 24 that it wasn’t pursuing an acquisition “at this time.” Pinterest stock sank on the news.</p>\n<p>Of the 30 analysts covering Pinterest stock, 12 have Buy or equivalent ratings, while 17 have Hold or equivalent ratings, according to FactSet. One analyst has a Sell rating. That said, the mean target price is $53.62, meaning more analysts will need to follow Bazinet and adjust their price targets if they don’t opt to call shares a Buy.</p>","source":"lsy1601382232898","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>Pinterest Stock Has Slumped. Why One Analyst Doesn’t See Much of a Rebound.</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\">\nPinterest Stock Has Slumped. Why One Analyst Doesn’t See Much of a Rebound.\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-23 09:48 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.barrons.com/articles/pinterest-stock-has-slumped-why-one-analyst-doesnt-see-much-of-a-rebound-51640204997?mod=hp_LATEST><strong>Barrons</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Pinterest stock has shed nearly half its value in the past six months. An analyst at Citi Research just trimmed his expectations.\nShares of the image-sharing platform losed up 1.4%, at $37.26 on ...</p>\n\n<a href=\"https://www.barrons.com/articles/pinterest-stock-has-slumped-why-one-analyst-doesnt-see-much-of-a-rebound-51640204997?mod=hp_LATEST\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"PINS":"Pinterest, Inc."},"source_url":"https://www.barrons.com/articles/pinterest-stock-has-slumped-why-one-analyst-doesnt-see-much-of-a-rebound-51640204997?mod=hp_LATEST","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1102948040","content_text":"Pinterest stock has shed nearly half its value in the past six months. An analyst at Citi Research just trimmed his expectations.\nShares of the image-sharing platform losed up 1.4%, at $37.26 on Wednesday, while the S&P 500 index rose 1%. The stock has fallen about 50% in the past six months, as investors largely steered clear of social-media platforms.\nCiti Research analyst Jason Bazinet cut his target price to $42 from $48 in a note on Wednesday. He has a Neutral rating. He says the lower target better reflects the company’s growth prospects relative to social-media peers, and he sees limited upside from recent levels.\n“The company continues to improve U.S. monetization, while also executing on its early efforts to monetize its large non-U.S. user base,” he wrote. “Additionally, 2021 Street estimates look reasonable to us. As such, we believe Pinterest’s growth opportunities are priced in at current levels.”\nPinterest shares (ticker: PINS) surged in October amid reports about a potential acquisition by PayPal Holdings (PYPL). But the payments firm poured cold water on such a deal when it disclosed on Oct. 24 that it wasn’t pursuing an acquisition “at this time.” Pinterest stock sank on the news.\nOf the 30 analysts covering Pinterest stock, 12 have Buy or equivalent ratings, while 17 have Hold or equivalent ratings, according to FactSet. One analyst has a Sell rating. That said, the mean target price is $53.62, meaning more analysts will need to follow Bazinet and adjust their price targets if they don’t opt to call shares a Buy.","news_type":1},"isVote":1,"tweetType":1,"viewCount":458,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":691496853,"gmtCreate":1640225898169,"gmtModify":1640225956493,"author":{"id":"3561715931247718","authorId":"3561715931247718","name":"LeonYeo","avatar":"https://static.tigerbbs.com/98f48b16c6f76520316a9d2bbb6a8506","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"great","listText":"great","text":"great","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/691496853","repostId":"1128124450","repostType":4,"repost":{"id":"1128124450","pubTimestamp":1640224536,"share":"https://www.laohu8.com/m/news/1128124450?lang=&edition=full","pubTime":"2021-12-23 09:55","market":"us","language":"en","title":"Tesla Is Back Above $1,000. Are New Highs Next?","url":"https://stock-news.laohu8.com/highlight/detail?id=1128124450","media":"TheStreet","summary":"Tesla stock is back on the move and this time, it's trading back above $1,000. Here's how the charts","content":"<p>Tesla stock is back on the move and this time, it's trading back above $1,000. Here's how the charts are setting up now.</p>\n<p>Tesla&nbsp;shares are rallying higher on Wednesday, up 7.5% and climbing back above $1,000 a share. That's got bulls cheering the stock’s recent run.</p>\n<p>On Tuesday, Tesla stock hit its lowest level since Oct. 22 and was&nbsp;down 27% from the highs.</p>\n<p>However, shares reversed off that low, climbing more than $50 a share by the close.</p>\n<p>That rally is extending itself Wednesday, with Tesla stock up more than 13% from yesterday’s low.</p>\n<p>Tesla stock&nbsp;was in focus this morning&nbsp;ahead of the open, rallying several percent on the hope that CEO Elon Musk would be done selling his shares.</p>\n<p>Musk said that&nbsp;he’s “sold enough” to meet&nbsp;his prior pledge. Earlier this week, Musk said he will pay&nbsp;more than $11 billion in taxes this year.</p>\n<p>If Musk really is done selling the stock — and he should be — then that big headwind will be out of the way and we may see it rebound higher. Now that it’s back above $1,000, we have to wonder if Tesla can climb to new highs.</p>\n<p><b>Trading Tesla Stock</b></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/e32b497a2bbfdad887112e45eeb92adb\" tg-width=\"1139\" tg-height=\"866\" width=\"100%\" height=\"auto\"><span>Daily chart of Tesla stock.</span></p>\n<p>The stock traded down into the $910 gap-fill level and prior all-time high at $900, and found its footing.</p>\n<p>If we get specific, the 21-week moving average and the 200-unit moving average on the four-hour chart were also nearby.</p>\n<p>In any regard, Tesla shares are ripping higher now, trading up through the 10-day moving average and hovering around the key $1,000 level, which has been a key pivot since late October.</p>\n<p>If it can maintain above $1,000, the next obvious area comes into play near $1,025 to $1,035. There Tesla stock finds its 21-day and 50-day moving averages.</p>\n<p>That should be an area to take a pause, but if Tesla is able to push through this zone, then the $1,100 level and downtrend resistance (blue line) are in play.</p>\n<p>On the downside, let’s see if shares struggle with $1,000. In that case, I want to see the now-rising 10-day moving average act as support on the dips.</p>\n<p>If it doesn’t, then the stock could go on to fill the gap down near $940.</p>\n<p>There’s one other thing: If Tesla rallies up to the 21-day and 50-day moving averages but can’t push through, let’s see if the $1,000 mark and the 10-day moving average act as support.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Tesla Is Back Above $1,000. Are New Highs Next?</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\">\nTesla Is Back Above $1,000. Are New Highs Next?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-23 09:55 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.thestreet.com/investing/trading-tesla-tsla-stock-back-above-1000-new-highs><strong>TheStreet</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Tesla stock is back on the move and this time, it's trading back above $1,000. Here's how the charts are setting up now.\nTesla shares are rallying higher on Wednesday, up 7.5% and climbing back above ...</p>\n\n<a href=\"https://www.thestreet.com/investing/trading-tesla-tsla-stock-back-above-1000-new-highs\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"https://www.thestreet.com/investing/trading-tesla-tsla-stock-back-above-1000-new-highs","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1128124450","content_text":"Tesla stock is back on the move and this time, it's trading back above $1,000. Here's how the charts are setting up now.\nTesla shares are rallying higher on Wednesday, up 7.5% and climbing back above $1,000 a share. That's got bulls cheering the stock’s recent run.\nOn Tuesday, Tesla stock hit its lowest level since Oct. 22 and was down 27% from the highs.\nHowever, shares reversed off that low, climbing more than $50 a share by the close.\nThat rally is extending itself Wednesday, with Tesla stock up more than 13% from yesterday’s low.\nTesla stock was in focus this morning ahead of the open, rallying several percent on the hope that CEO Elon Musk would be done selling his shares.\nMusk said that he’s “sold enough” to meet his prior pledge. Earlier this week, Musk said he will pay more than $11 billion in taxes this year.\nIf Musk really is done selling the stock — and he should be — then that big headwind will be out of the way and we may see it rebound higher. Now that it’s back above $1,000, we have to wonder if Tesla can climb to new highs.\nTrading Tesla Stock\nDaily chart of Tesla stock.\nThe stock traded down into the $910 gap-fill level and prior all-time high at $900, and found its footing.\nIf we get specific, the 21-week moving average and the 200-unit moving average on the four-hour chart were also nearby.\nIn any regard, Tesla shares are ripping higher now, trading up through the 10-day moving average and hovering around the key $1,000 level, which has been a key pivot since late October.\nIf it can maintain above $1,000, the next obvious area comes into play near $1,025 to $1,035. There Tesla stock finds its 21-day and 50-day moving averages.\nThat should be an area to take a pause, but if Tesla is able to push through this zone, then the $1,100 level and downtrend resistance (blue line) are in play.\nOn the downside, let’s see if shares struggle with $1,000. In that case, I want to see the now-rising 10-day moving average act as support on the dips.\nIf it doesn’t, then the stock could go on to fill the gap down near $940.\nThere’s one other thing: If Tesla rallies up to the 21-day and 50-day moving averages but can’t push through, let’s see if the $1,000 mark and the 10-day moving average act as support.","news_type":1},"isVote":1,"tweetType":1,"viewCount":411,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":691496050,"gmtCreate":1640225885592,"gmtModify":1640225956300,"author":{"id":"3561715931247718","authorId":"3561715931247718","name":"LeonYeo","avatar":"https://static.tigerbbs.com/98f48b16c6f76520316a9d2bbb6a8506","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"sigh","listText":"sigh","text":"sigh","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/691496050","repostId":"1173043963","repostType":4,"repost":{"id":"1173043963","pubTimestamp":1640225262,"share":"https://www.laohu8.com/m/news/1173043963?lang=&edition=full","pubTime":"2021-12-23 10:07","market":"us","language":"en","title":"Why Nio Shares Dropped Again Today","url":"https://stock-news.laohu8.com/highlight/detail?id=1173043963","media":"Motley Fool","summary":"Chinese electric vehicle  maker Nioheld its annual Nio Day event last weekend where it unveiled its latest new electric sedan. Though customers appear to be eager to purchase one, Nio stock's continued decline has resulted in a 22% drop in the stock's value over the past month. Today, shares dropped 1.03% and continued to slide 1.34% in extended hours.Nio hasn't put out any company-specific news today, but it introduced its new ET5 electric sedan last weekend, which it hopes will compete with Te","content":"<p>What happened</p>\n<p>Chinese electric vehicle (EV) maker&nbsp;<b>Nio</b>(NYSE:NIO)held its annual Nio Day event last weekend where it unveiled its latest new electric sedan. Though customers appear to be eager to purchase one, Nio stock's continued decline has resulted in a 22% drop in the stock's value over the past month. Today, shares dropped 1.03% and&nbsp;continued&nbsp;to&nbsp;slide&nbsp;1.34%&nbsp;in&nbsp;extended&nbsp;hours. </p>\n<p>So what</p>\n<p>Nio hasn't put out any company-specific news today, but it introduced its new ET5 electric sedan last weekend, which it hopes will compete with&nbsp;<b>Tesla</b>'s(NASDAQ:TSLA)Model 3. WithTesla CEO Elon Musk making news again today, it may be that investors are shunning Nio shares for Tesla stock. But Nio has more than just the ET5 in its plans to expand from here.</p>\n<p>Now what</p>\n<p>Nio has increased its&nbsp;electric car deliveries&nbsp;by 120.4% through November 2021 versus the comparable year-ago period. But the best may still be yet to come. In addition to its new luxury ET7 sedan that will begin shipping in March 2022, the new ET5 is also expected to start deliveries in September 2022.</p>\n<p>The ET5 will be available with Nio's largest battery that will provide a range of up to about 620 miles on a single charge. And Nio CEO William Li told local media that the ET5, which was officially unveiled Saturday, has already become the most pre-ordered Nio model ever. That is according to CnEVPost, an industry news service focused on the Chinese EV sector.</p>\n<p>Nio also plans to move beyond China in 2022. It already sells its vehicles in Norway and expects to be doing business in Germany, the Netherlands, Sweden, and Denmark in 2022. The company says it will have a presence in over 25 countries by 2025. While investors have been driving shares lower recently, the company hopes its future growth and expansion efforts will eventually reverse that trend.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Why Nio Shares Dropped Again Today</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\">\nWhy Nio Shares Dropped Again Today\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-23 10:07 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/22/why-nio-shares-dropped-again-today/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>What happened\nChinese electric vehicle (EV) maker Nio(NYSE:NIO)held its annual Nio Day event last weekend where it unveiled its latest new electric sedan. Though customers appear to be eager to ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/22/why-nio-shares-dropped-again-today/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"NIO":"蔚来"},"source_url":"https://www.fool.com/investing/2021/12/22/why-nio-shares-dropped-again-today/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1173043963","content_text":"What happened\nChinese electric vehicle (EV) maker Nio(NYSE:NIO)held its annual Nio Day event last weekend where it unveiled its latest new electric sedan. Though customers appear to be eager to purchase one, Nio stock's continued decline has resulted in a 22% drop in the stock's value over the past month. Today, shares dropped 1.03% and continued to slide 1.34% in extended hours. \nSo what\nNio hasn't put out any company-specific news today, but it introduced its new ET5 electric sedan last weekend, which it hopes will compete with Tesla's(NASDAQ:TSLA)Model 3. WithTesla CEO Elon Musk making news again today, it may be that investors are shunning Nio shares for Tesla stock. But Nio has more than just the ET5 in its plans to expand from here.\nNow what\nNio has increased its electric car deliveries by 120.4% through November 2021 versus the comparable year-ago period. But the best may still be yet to come. In addition to its new luxury ET7 sedan that will begin shipping in March 2022, the new ET5 is also expected to start deliveries in September 2022.\nThe ET5 will be available with Nio's largest battery that will provide a range of up to about 620 miles on a single charge. And Nio CEO William Li told local media that the ET5, which was officially unveiled Saturday, has already become the most pre-ordered Nio model ever. That is according to CnEVPost, an industry news service focused on the Chinese EV sector.\nNio also plans to move beyond China in 2022. It already sells its vehicles in Norway and expects to be doing business in Germany, the Netherlands, Sweden, and Denmark in 2022. The company says it will have a presence in over 25 countries by 2025. While investors have been driving shares lower recently, the company hopes its future growth and expansion efforts will eventually reverse that trend.","news_type":1},"isVote":1,"tweetType":1,"viewCount":470,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":691405550,"gmtCreate":1640225663170,"gmtModify":1640225663335,"author":{"id":"3561715931247718","authorId":"3561715931247718","name":"LeonYeo","avatar":"https://static.tigerbbs.com/98f48b16c6f76520316a9d2bbb6a8506","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"nice one","listText":"nice one","text":"nice one","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/691405550","repostId":"1183786099","repostType":2,"repost":{"id":"1183786099","weMediaInfo":{"introduction":"为用户提供金融资讯、行情、数据，旨在帮助投资者理解世界，做投资决策。","home_visible":1,"media_name":"老虎资讯综合","id":"102","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1640217398,"share":"https://www.laohu8.com/m/news/1183786099?lang=&edition=full","pubTime":"2021-12-23 07:56","market":"us","language":"zh","title":"昨夜今晨：美股指两连涨！特斯拉大涨超7%","url":"https://stock-news.laohu8.com/highlight/detail?id=1183786099","media":"老虎资讯综合","summary":"摘要：①纳指涨1.18%，新能源汽车股表现强势，特斯拉大涨7.5%；\n\n\n ②美国三季度实际GDP年化季环比终值 2.3%，较二季度增速大幅放缓；\n\n\n ③供应链称苹果首款电动车Apple Car将于","content":"<blockquote>\n 摘要：①纳指涨1.18%，新能源汽车股表现强势，特斯拉大涨7.5%；\n</blockquote>\n<blockquote>\n ②美国三季度实际GDP年化季环比终值 2.3%，较二季度增速大幅放缓；\n</blockquote>\n<blockquote>\n ③供应链称苹果首款电动车Apple Car将于明年9月发布。\n</blockquote>\n<p></p>\n<p><b>海外市场</b></p>\n<p>1、美股指两连涨！纳指涨超1% 特斯拉大涨7.5%</p>\n<p>美股三大指数集体收涨，主要股指连续第二个交易日反弹。美国总统拜登督促民众接种加强针，并表示不会恢复疫情爆发初期实施的严格封锁措施。美国第三季度GDP增长2.3%，好于市场预期。截至收盘，纳斯达克指数涨1.18%，标普500指数涨1.02%，道琼斯指数涨0.74%。</p>\n<p>新能源汽车股表现强势，SonoGroup涨近14%；特斯拉收涨7.5%，创11月1日以来最大单日涨幅，市值当日暴增706.21亿美元(约合人民币4498亿元)。</p>\n<p>小鹏汽车涨超4%，理想汽车涨1.4%。大型科技股集体走高，苹果涨1.53%，亚马逊涨0.36%，Meta跌1.12%，谷歌涨2.05%，微软涨1.81%，奈飞涨1.54%。</p>\n<p>2、热门中概股多数收跌 阿里跌超4%</p>\n<p>阿里巴巴跌超4%，此前阿里云被暂停作为工信部网络安全威胁信息共享平台合作单位</p>\n<p>其他中概股方面，雾芯科技涨超2%，京东微涨；贝壳收平，百度跌近1%，金山云、新东方跌超1%，滴滴跌超6%，好未来跌超3%，搜狐跌超2%。</p>\n<p>3、欧股主要指数上涨，法国CAC40指数涨超1%</p>\n<p>德国DAX30指数收涨0.91%，英国富时100指数涨0.60%，法国CAC40指数涨1.24%，欧洲斯托克50指数涨1.00%。</p>\n<p>4、原油库存降幅超预期 美油收高2.3%</p>\n<p>因美国能源信息署(EIA)报告称美国原油库存降幅超出预期，令油价得到支撑。最终，纽约商品交易所2月交割的西德克萨斯中质原油(WTI)期货价格上涨1.64美元，涨幅为2.3%，收于每桶72.76美元。</p>\n<p>5、黄金期货收高0.8% 站上1800美元关口</p>\n<p>最近黄金期货多次测试1800美元关口，但未能长时间维持在其上方。但在周三，美元走软和美国国债收益率低迷，帮助金价站上这一关口。</p>\n<p>最终，纽约商品交易所2月交割的黄金期货价格上涨13.50美元，涨幅为0.8%，收于每盎司1802.20美元。</p>\n<p>6、土耳其股市连续4个交易日收跌 22日触发一次熔断</p>\n<p>当地时间22日，土耳其伊斯坦布尔100指数开盘报1.832.14点，较前一日收盘下跌3.14%。当地时间14时39分，股指下跌超5%，触发熔断。随后股指持续震荡，当天收盘时跌幅为4.64%。这是土耳其股市连续第四个交易日收跌。</p>\n<p>分析人士指出，土耳其财政和货币政策的不可预测性，让投资者信心受到影响，在这种情况下，很多投资者可能会选择撤离观望。</p>\n<p>由于总统埃尔多安推动货币宽松政策，土耳其央行9月以来已经累计下调基准利率500个基点，而每次下调都使得里拉进一步贬值，和年初相比，里拉跌幅曾一度超过55%。</p>\n<p><b>国际宏观</b></p>\n<p>1、拜登声称假日季供应链危机已避免 呼吁通过重建更美好未来法案</p>\n<p>美国总统乔·拜登表示，他的政府与工会和企业一起成功避免了假日季节的供应链危机。</p>\n<p>“今年秋天的时候，我们听到很多关于供应链问题的可怕警告，声称假日前后会出现危机，”拜登在白宫说。 “所以我们采取了行动。我们召集了商界和劳工界的领袖来解决问题。这场被预测很可能发生的危机并未出现。”</p>\n<p>2、美国三季度实际GDP年化季环比终值 2.3%，较二季度增速大幅放缓</p>\n<p>美国三季度实际GDP年化季环比终值 2.3%，预期 2.1%，前值 2.1%，是自2020年第二季度以来的最低增速。三季度增长放缓主要是由于全球供应链紧张导致供应短缺，以及政府向企业、家庭、和地方政府提供的疫情支持资金减少。</p>\n<p>3、美国三季度核心PCE物价指数创近30年新高 符合预期</p>\n<p>12月22日周三，据美国商务部统计，美国第三季度核心PCE物价指数年化季环比终值上涨4.6%，略高于4.5%的前值和预期；同比终值上升3.6%，与预期持平，仍是近30年最高水平。</p>\n<p>4、今年美国IPO发行量创下历史纪录 但回报率差强人意</p>\n<p>根据彭博汇编的数据，今年481宗美国IPO中有一半以上的交易价格低于发行价。这些交易，不包括更多的特殊目的收购公司，总共创下了约1670亿美元的记录，轻松超越2020年。</p>\n<p>尽管发行金额创下历史新高，但由于波动性和表现不佳，对IPO的热情在年底有所减弱。交易商表示，尽管2022年第一季看起来将十分忙录，但预计未来一年会较为波动。</p>\n<p>5、美国11月二手房销量连续第三个月增长</p>\n<p>美国全国地产经纪商协会周三公布的数据显示，11月二手房销量环比增长1.9%，折合年率达646万套，创下1月以来最大增幅。彭博调查预估中值为6.53万套。</p>\n<p>该数据表明住房需求正在加速上升，尤其是在高端市场，因为贷款成本仍远低于新冠疫情前的水平。即便如此，高房价也可能使一些潜在买家望而却步，尤其是收入水平较低、受通胀打击更大的消费者。</p>\n<p>6、美国12月消费者信心指数上升 克服了Omicron带来的恐慌</p>\n<p>世界大型企业研究会周三的报告显示，消费者信心指数升至115.8，11月数据被向上修正为111.9。接受彭博调查的经济学家预期为111。</p>\n<p>数据显示，尽管随着omicron的传播，美国一些地区实施了新的防疫限制措施，但消费者心态仍乐观。美联储主席鲍威尔和多位经济学家表示，随着美国人对新冠病毒及其变异株的适应性增强，每一波疫情带来的经济影响会变得较小。</p>\n<p>7、世卫组织正在确定第二代新冠疫苗</p>\n<p>世卫组织总干事谭德塞在22日的新闻发布会上透露，世卫组织正在通过疫苗“团结试验”确定第二代新冠疫苗。</p>\n<p>谭德塞表示，相关研究团队于9月下旬开始招募志愿者，到目前为止，已有超过11500人参加了试验。截至目前，该试验包括两种疫苗，另外三种疫苗不久将被纳入，而且还可能纳入更多的疫苗。世卫组织邀请所有国家和研究中心参与这项试验。</p>\n<p>8、美国政府宣布将学生贷款偿还期限延至明年5月1日</p>\n<p>当地时间22日，美国白宫新闻秘书珍·普萨基在简报会上证实，拜登已经宣布将学生贷款的偿还期限延长90天，到明年的5月1日。普萨基说，部分学生贷款的借款人受到新冠肺炎疫情的影响，需要时间偿还。</p>\n<p>9、欧洲能源告急！天然气狂飙新高 英国企业称正处国家危机 意大利总理高呼需紧急行动</p>\n<p>天然气暴涨也让欧洲国家坐不住了。本周三，意大利总理德拉吉在年末新闻发布会上表示，遏制能源短缺亟需采取紧急政策行动：“能源价格上涨需要紧急行动，我们不能等了。”</p>\n<p>同在周三，英国能源企业和业界组织也对今年冬季的能源危机发出警告。媒体称，英国的议员感到恐慌，可能为保护国内家庭而寻求设定电费上限。</p>\n<p>10、联合国安理会投票通过为阿富汗提供人道援助的决议</p>\n<p>当地时间22日，联合国安理会一致通过决议，向处于经济崩溃边缘的阿富汗提供人道主义援助。中国常驻联合国代表张军表示，中方支持联合国发挥更大协调作用，呼吁所有国际伙伴加大对阿援助力度，并解除对阿制裁。</p>\n<p><b>公司新闻</b></p>\n<p>1、<a href=\"https://laohu8.com/NW/2193115827\" target=\"_blank\">特斯拉股价一度大涨逾8% 市值重返1万亿美元上方</a></p>\n<p>特斯拉股价周三一度大涨逾8%，助其市值重返1万亿美元上方，此前该公司CEO埃隆•马斯克在接受采访时透露，他已完成了出售10%所持特斯拉股票的目标。</p>\n<p>Wedbush分析师Dan Ives评价道，在经历了几周的黑暗后，特斯拉终于迎来了好消息，马斯克的这一声明消除了对特斯拉股价的威胁，抛售压力和负面看法问题已经解决，投资者重新关注华尔街的基本面驱动因素。</p>\n<p>2、<a href=\"https://laohu8.com/NW/2193116621\" target=\"_blank\">苹果汽车早产！供应链称Apple Car将于明年9月发布</a></p>\n<p>12月2日消息，有媒体报道称，苹果首款电动车「Apple Car」有望将提前问世。此前，外界原本预期苹果至少要到 2023 年才会推出 Apple Car。不过，国内供应链大厂董座直言，苹果正准备在明年 9 月推出 Apple Car。某电动车供应链大厂高层透露，随着订单出货、组装完成，Apple Car 首款原型车，已有数十辆秘密在美国加州上路测试中，预计出货量与商机将会在明年初显，2022 年全面爆发。</p>\n<p>3、<a href=\"https://laohu8.com/NW/2193172113\" target=\"_blank\">辉瑞新冠口服药获美国FDA紧急授权</a></p>\n<p>当地时间22日，辉瑞公司生产的抗新冠病毒口服药PAXLOVID获得了美国食品药品监督管理局的紧急使用授权，可以用于治疗出现轻度至中度症状的新冠肺炎患者。</p>\n<p>4、<a href=\"https://laohu8.com/NW/2193118492\" target=\"_blank\">美国联邦贸易委员会对亚马逊云计算业务展开新的反垄断调查</a></p>\n<p>知情人士透露，美国联邦贸易委员会(FTC)正在推进对亚马逊云计算业务的反垄断调查。</p>\n<p>FTC主席Lina Khan一直是亚马逊的批评者，正在推进前任主席几年前启动的一项调查。</p>\n<p>亚马逊160亿美元的云计算业务也是该公司最大的利润源。调查这项业务之际，Khan早已把目标瞄准了美国一些最大的科技公司。Khan曾是哥伦比亚大学法学院教授，在反垄断界大名鼎鼎，一直警告亚马逊之类公司对数字经济时代的竞争构成威胁。</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>昨夜今晨：美股指两连涨！特斯拉大涨超7%</title>\n<style 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}\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\">\n昨夜今晨：美股指两连涨！特斯拉大涨超7%\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time\">2021-12-23 07:56</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<blockquote>\n 摘要：①纳指涨1.18%，新能源汽车股表现强势，特斯拉大涨7.5%；\n</blockquote>\n<blockquote>\n ②美国三季度实际GDP年化季环比终值 2.3%，较二季度增速大幅放缓；\n</blockquote>\n<blockquote>\n ③供应链称苹果首款电动车Apple Car将于明年9月发布。\n</blockquote>\n<p></p>\n<p><b>海外市场</b></p>\n<p>1、美股指两连涨！纳指涨超1% 特斯拉大涨7.5%</p>\n<p>美股三大指数集体收涨，主要股指连续第二个交易日反弹。美国总统拜登督促民众接种加强针，并表示不会恢复疫情爆发初期实施的严格封锁措施。美国第三季度GDP增长2.3%，好于市场预期。截至收盘，纳斯达克指数涨1.18%，标普500指数涨1.02%，道琼斯指数涨0.74%。</p>\n<p>新能源汽车股表现强势，SonoGroup涨近14%；特斯拉收涨7.5%，创11月1日以来最大单日涨幅，市值当日暴增706.21亿美元(约合人民币4498亿元)。</p>\n<p>小鹏汽车涨超4%，理想汽车涨1.4%。大型科技股集体走高，苹果涨1.53%，亚马逊涨0.36%，Meta跌1.12%，谷歌涨2.05%，微软涨1.81%，奈飞涨1.54%。</p>\n<p>2、热门中概股多数收跌 阿里跌超4%</p>\n<p>阿里巴巴跌超4%，此前阿里云被暂停作为工信部网络安全威胁信息共享平台合作单位</p>\n<p>其他中概股方面，雾芯科技涨超2%，京东微涨；贝壳收平，百度跌近1%，金山云、新东方跌超1%，滴滴跌超6%，好未来跌超3%，搜狐跌超2%。</p>\n<p>3、欧股主要指数上涨，法国CAC40指数涨超1%</p>\n<p>德国DAX30指数收涨0.91%，英国富时100指数涨0.60%，法国CAC40指数涨1.24%，欧洲斯托克50指数涨1.00%。</p>\n<p>4、原油库存降幅超预期 美油收高2.3%</p>\n<p>因美国能源信息署(EIA)报告称美国原油库存降幅超出预期，令油价得到支撑。最终，纽约商品交易所2月交割的西德克萨斯中质原油(WTI)期货价格上涨1.64美元，涨幅为2.3%，收于每桶72.76美元。</p>\n<p>5、黄金期货收高0.8% 站上1800美元关口</p>\n<p>最近黄金期货多次测试1800美元关口，但未能长时间维持在其上方。但在周三，美元走软和美国国债收益率低迷，帮助金价站上这一关口。</p>\n<p>最终，纽约商品交易所2月交割的黄金期货价格上涨13.50美元，涨幅为0.8%，收于每盎司1802.20美元。</p>\n<p>6、土耳其股市连续4个交易日收跌 22日触发一次熔断</p>\n<p>当地时间22日，土耳其伊斯坦布尔100指数开盘报1.832.14点，较前一日收盘下跌3.14%。当地时间14时39分，股指下跌超5%，触发熔断。随后股指持续震荡，当天收盘时跌幅为4.64%。这是土耳其股市连续第四个交易日收跌。</p>\n<p>分析人士指出，土耳其财政和货币政策的不可预测性，让投资者信心受到影响，在这种情况下，很多投资者可能会选择撤离观望。</p>\n<p>由于总统埃尔多安推动货币宽松政策，土耳其央行9月以来已经累计下调基准利率500个基点，而每次下调都使得里拉进一步贬值，和年初相比，里拉跌幅曾一度超过55%。</p>\n<p><b>国际宏观</b></p>\n<p>1、拜登声称假日季供应链危机已避免 呼吁通过重建更美好未来法案</p>\n<p>美国总统乔·拜登表示，他的政府与工会和企业一起成功避免了假日季节的供应链危机。</p>\n<p>“今年秋天的时候，我们听到很多关于供应链问题的可怕警告，声称假日前后会出现危机，”拜登在白宫说。 “所以我们采取了行动。我们召集了商界和劳工界的领袖来解决问题。这场被预测很可能发生的危机并未出现。”</p>\n<p>2、美国三季度实际GDP年化季环比终值 2.3%，较二季度增速大幅放缓</p>\n<p>美国三季度实际GDP年化季环比终值 2.3%，预期 2.1%，前值 2.1%，是自2020年第二季度以来的最低增速。三季度增长放缓主要是由于全球供应链紧张导致供应短缺，以及政府向企业、家庭、和地方政府提供的疫情支持资金减少。</p>\n<p>3、美国三季度核心PCE物价指数创近30年新高 符合预期</p>\n<p>12月22日周三，据美国商务部统计，美国第三季度核心PCE物价指数年化季环比终值上涨4.6%，略高于4.5%的前值和预期；同比终值上升3.6%，与预期持平，仍是近30年最高水平。</p>\n<p>4、今年美国IPO发行量创下历史纪录 但回报率差强人意</p>\n<p>根据彭博汇编的数据，今年481宗美国IPO中有一半以上的交易价格低于发行价。这些交易，不包括更多的特殊目的收购公司，总共创下了约1670亿美元的记录，轻松超越2020年。</p>\n<p>尽管发行金额创下历史新高，但由于波动性和表现不佳，对IPO的热情在年底有所减弱。交易商表示，尽管2022年第一季看起来将十分忙录，但预计未来一年会较为波动。</p>\n<p>5、美国11月二手房销量连续第三个月增长</p>\n<p>美国全国地产经纪商协会周三公布的数据显示，11月二手房销量环比增长1.9%，折合年率达646万套，创下1月以来最大增幅。彭博调查预估中值为6.53万套。</p>\n<p>该数据表明住房需求正在加速上升，尤其是在高端市场，因为贷款成本仍远低于新冠疫情前的水平。即便如此，高房价也可能使一些潜在买家望而却步，尤其是收入水平较低、受通胀打击更大的消费者。</p>\n<p>6、美国12月消费者信心指数上升 克服了Omicron带来的恐慌</p>\n<p>世界大型企业研究会周三的报告显示，消费者信心指数升至115.8，11月数据被向上修正为111.9。接受彭博调查的经济学家预期为111。</p>\n<p>数据显示，尽管随着omicron的传播，美国一些地区实施了新的防疫限制措施，但消费者心态仍乐观。美联储主席鲍威尔和多位经济学家表示，随着美国人对新冠病毒及其变异株的适应性增强，每一波疫情带来的经济影响会变得较小。</p>\n<p>7、世卫组织正在确定第二代新冠疫苗</p>\n<p>世卫组织总干事谭德塞在22日的新闻发布会上透露，世卫组织正在通过疫苗“团结试验”确定第二代新冠疫苗。</p>\n<p>谭德塞表示，相关研究团队于9月下旬开始招募志愿者，到目前为止，已有超过11500人参加了试验。截至目前，该试验包括两种疫苗，另外三种疫苗不久将被纳入，而且还可能纳入更多的疫苗。世卫组织邀请所有国家和研究中心参与这项试验。</p>\n<p>8、美国政府宣布将学生贷款偿还期限延至明年5月1日</p>\n<p>当地时间22日，美国白宫新闻秘书珍·普萨基在简报会上证实，拜登已经宣布将学生贷款的偿还期限延长90天，到明年的5月1日。普萨基说，部分学生贷款的借款人受到新冠肺炎疫情的影响，需要时间偿还。</p>\n<p>9、欧洲能源告急！天然气狂飙新高 英国企业称正处国家危机 意大利总理高呼需紧急行动</p>\n<p>天然气暴涨也让欧洲国家坐不住了。本周三，意大利总理德拉吉在年末新闻发布会上表示，遏制能源短缺亟需采取紧急政策行动：“能源价格上涨需要紧急行动，我们不能等了。”</p>\n<p>同在周三，英国能源企业和业界组织也对今年冬季的能源危机发出警告。媒体称，英国的议员感到恐慌，可能为保护国内家庭而寻求设定电费上限。</p>\n<p>10、联合国安理会投票通过为阿富汗提供人道援助的决议</p>\n<p>当地时间22日，联合国安理会一致通过决议，向处于经济崩溃边缘的阿富汗提供人道主义援助。中国常驻联合国代表张军表示，中方支持联合国发挥更大协调作用，呼吁所有国际伙伴加大对阿援助力度，并解除对阿制裁。</p>\n<p><b>公司新闻</b></p>\n<p>1、<a href=\"https://laohu8.com/NW/2193115827\" target=\"_blank\">特斯拉股价一度大涨逾8% 市值重返1万亿美元上方</a></p>\n<p>特斯拉股价周三一度大涨逾8%，助其市值重返1万亿美元上方，此前该公司CEO埃隆•马斯克在接受采访时透露，他已完成了出售10%所持特斯拉股票的目标。</p>\n<p>Wedbush分析师Dan Ives评价道，在经历了几周的黑暗后，特斯拉终于迎来了好消息，马斯克的这一声明消除了对特斯拉股价的威胁，抛售压力和负面看法问题已经解决，投资者重新关注华尔街的基本面驱动因素。</p>\n<p>2、<a href=\"https://laohu8.com/NW/2193116621\" target=\"_blank\">苹果汽车早产！供应链称Apple Car将于明年9月发布</a></p>\n<p>12月2日消息，有媒体报道称，苹果首款电动车「Apple Car」有望将提前问世。此前，外界原本预期苹果至少要到 2023 年才会推出 Apple Car。不过，国内供应链大厂董座直言，苹果正准备在明年 9 月推出 Apple Car。某电动车供应链大厂高层透露，随着订单出货、组装完成，Apple Car 首款原型车，已有数十辆秘密在美国加州上路测试中，预计出货量与商机将会在明年初显，2022 年全面爆发。</p>\n<p>3、<a href=\"https://laohu8.com/NW/2193172113\" target=\"_blank\">辉瑞新冠口服药获美国FDA紧急授权</a></p>\n<p>当地时间22日，辉瑞公司生产的抗新冠病毒口服药PAXLOVID获得了美国食品药品监督管理局的紧急使用授权，可以用于治疗出现轻度至中度症状的新冠肺炎患者。</p>\n<p>4、<a href=\"https://laohu8.com/NW/2193118492\" target=\"_blank\">美国联邦贸易委员会对亚马逊云计算业务展开新的反垄断调查</a></p>\n<p>知情人士透露，美国联邦贸易委员会(FTC)正在推进对亚马逊云计算业务的反垄断调查。</p>\n<p>FTC主席Lina Khan一直是亚马逊的批评者，正在推进前任主席几年前启动的一项调查。</p>\n<p>亚马逊160亿美元的云计算业务也是该公司最大的利润源。调查这项业务之际，Khan早已把目标瞄准了美国一些最大的科技公司。Khan曾是哥伦比亚大学法学院教授，在反垄断界大名鼎鼎，一直警告亚马逊之类公司对数字经济时代的竞争构成威胁。</p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/b23574aac95526c9e5c62ebc8dd25130","relate_stocks":{".DJI":"道琼斯",".SPX":"S&P 500 Index",".IXIC":"NASDAQ Composite"},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1183786099","content_text":"摘要：①纳指涨1.18%，新能源汽车股表现强势，特斯拉大涨7.5%；\n\n\n ②美国三季度实际GDP年化季环比终值 2.3%，较二季度增速大幅放缓；\n\n\n ③供应链称苹果首款电动车Apple Car将于明年9月发布。\n\n\n海外市场\n1、美股指两连涨！纳指涨超1% 特斯拉大涨7.5%\n美股三大指数集体收涨，主要股指连续第二个交易日反弹。美国总统拜登督促民众接种加强针，并表示不会恢复疫情爆发初期实施的严格封锁措施。美国第三季度GDP增长2.3%，好于市场预期。截至收盘，纳斯达克指数涨1.18%，标普500指数涨1.02%，道琼斯指数涨0.74%。\n新能源汽车股表现强势，SonoGroup涨近14%；特斯拉收涨7.5%，创11月1日以来最大单日涨幅，市值当日暴增706.21亿美元(约合人民币4498亿元)。\n小鹏汽车涨超4%，理想汽车涨1.4%。大型科技股集体走高，苹果涨1.53%，亚马逊涨0.36%，Meta跌1.12%，谷歌涨2.05%，微软涨1.81%，奈飞涨1.54%。\n2、热门中概股多数收跌 阿里跌超4%\n阿里巴巴跌超4%，此前阿里云被暂停作为工信部网络安全威胁信息共享平台合作单位\n其他中概股方面，雾芯科技涨超2%，京东微涨；贝壳收平，百度跌近1%，金山云、新东方跌超1%，滴滴跌超6%，好未来跌超3%，搜狐跌超2%。\n3、欧股主要指数上涨，法国CAC40指数涨超1%\n德国DAX30指数收涨0.91%，英国富时100指数涨0.60%，法国CAC40指数涨1.24%，欧洲斯托克50指数涨1.00%。\n4、原油库存降幅超预期 美油收高2.3%\n因美国能源信息署(EIA)报告称美国原油库存降幅超出预期，令油价得到支撑。最终，纽约商品交易所2月交割的西德克萨斯中质原油(WTI)期货价格上涨1.64美元，涨幅为2.3%，收于每桶72.76美元。\n5、黄金期货收高0.8% 站上1800美元关口\n最近黄金期货多次测试1800美元关口，但未能长时间维持在其上方。但在周三，美元走软和美国国债收益率低迷，帮助金价站上这一关口。\n最终，纽约商品交易所2月交割的黄金期货价格上涨13.50美元，涨幅为0.8%，收于每盎司1802.20美元。\n6、土耳其股市连续4个交易日收跌 22日触发一次熔断\n当地时间22日，土耳其伊斯坦布尔100指数开盘报1.832.14点，较前一日收盘下跌3.14%。当地时间14时39分，股指下跌超5%，触发熔断。随后股指持续震荡，当天收盘时跌幅为4.64%。这是土耳其股市连续第四个交易日收跌。\n分析人士指出，土耳其财政和货币政策的不可预测性，让投资者信心受到影响，在这种情况下，很多投资者可能会选择撤离观望。\n由于总统埃尔多安推动货币宽松政策，土耳其央行9月以来已经累计下调基准利率500个基点，而每次下调都使得里拉进一步贬值，和年初相比，里拉跌幅曾一度超过55%。\n国际宏观\n1、拜登声称假日季供应链危机已避免 呼吁通过重建更美好未来法案\n美国总统乔·拜登表示，他的政府与工会和企业一起成功避免了假日季节的供应链危机。\n“今年秋天的时候，我们听到很多关于供应链问题的可怕警告，声称假日前后会出现危机，”拜登在白宫说。 “所以我们采取了行动。我们召集了商界和劳工界的领袖来解决问题。这场被预测很可能发生的危机并未出现。”\n2、美国三季度实际GDP年化季环比终值 2.3%，较二季度增速大幅放缓\n美国三季度实际GDP年化季环比终值 2.3%，预期 2.1%，前值 2.1%，是自2020年第二季度以来的最低增速。三季度增长放缓主要是由于全球供应链紧张导致供应短缺，以及政府向企业、家庭、和地方政府提供的疫情支持资金减少。\n3、美国三季度核心PCE物价指数创近30年新高 符合预期\n12月22日周三，据美国商务部统计，美国第三季度核心PCE物价指数年化季环比终值上涨4.6%，略高于4.5%的前值和预期；同比终值上升3.6%，与预期持平，仍是近30年最高水平。\n4、今年美国IPO发行量创下历史纪录 但回报率差强人意\n根据彭博汇编的数据，今年481宗美国IPO中有一半以上的交易价格低于发行价。这些交易，不包括更多的特殊目的收购公司，总共创下了约1670亿美元的记录，轻松超越2020年。\n尽管发行金额创下历史新高，但由于波动性和表现不佳，对IPO的热情在年底有所减弱。交易商表示，尽管2022年第一季看起来将十分忙录，但预计未来一年会较为波动。\n5、美国11月二手房销量连续第三个月增长\n美国全国地产经纪商协会周三公布的数据显示，11月二手房销量环比增长1.9%，折合年率达646万套，创下1月以来最大增幅。彭博调查预估中值为6.53万套。\n该数据表明住房需求正在加速上升，尤其是在高端市场，因为贷款成本仍远低于新冠疫情前的水平。即便如此，高房价也可能使一些潜在买家望而却步，尤其是收入水平较低、受通胀打击更大的消费者。\n6、美国12月消费者信心指数上升 克服了Omicron带来的恐慌\n世界大型企业研究会周三的报告显示，消费者信心指数升至115.8，11月数据被向上修正为111.9。接受彭博调查的经济学家预期为111。\n数据显示，尽管随着omicron的传播，美国一些地区实施了新的防疫限制措施，但消费者心态仍乐观。美联储主席鲍威尔和多位经济学家表示，随着美国人对新冠病毒及其变异株的适应性增强，每一波疫情带来的经济影响会变得较小。\n7、世卫组织正在确定第二代新冠疫苗\n世卫组织总干事谭德塞在22日的新闻发布会上透露，世卫组织正在通过疫苗“团结试验”确定第二代新冠疫苗。\n谭德塞表示，相关研究团队于9月下旬开始招募志愿者，到目前为止，已有超过11500人参加了试验。截至目前，该试验包括两种疫苗，另外三种疫苗不久将被纳入，而且还可能纳入更多的疫苗。世卫组织邀请所有国家和研究中心参与这项试验。\n8、美国政府宣布将学生贷款偿还期限延至明年5月1日\n当地时间22日，美国白宫新闻秘书珍·普萨基在简报会上证实，拜登已经宣布将学生贷款的偿还期限延长90天，到明年的5月1日。普萨基说，部分学生贷款的借款人受到新冠肺炎疫情的影响，需要时间偿还。\n9、欧洲能源告急！天然气狂飙新高 英国企业称正处国家危机 意大利总理高呼需紧急行动\n天然气暴涨也让欧洲国家坐不住了。本周三，意大利总理德拉吉在年末新闻发布会上表示，遏制能源短缺亟需采取紧急政策行动：“能源价格上涨需要紧急行动，我们不能等了。”\n同在周三，英国能源企业和业界组织也对今年冬季的能源危机发出警告。媒体称，英国的议员感到恐慌，可能为保护国内家庭而寻求设定电费上限。\n10、联合国安理会投票通过为阿富汗提供人道援助的决议\n当地时间22日，联合国安理会一致通过决议，向处于经济崩溃边缘的阿富汗提供人道主义援助。中国常驻联合国代表张军表示，中方支持联合国发挥更大协调作用，呼吁所有国际伙伴加大对阿援助力度，并解除对阿制裁。\n公司新闻\n1、特斯拉股价一度大涨逾8% 市值重返1万亿美元上方\n特斯拉股价周三一度大涨逾8%，助其市值重返1万亿美元上方，此前该公司CEO埃隆•马斯克在接受采访时透露，他已完成了出售10%所持特斯拉股票的目标。\nWedbush分析师Dan Ives评价道，在经历了几周的黑暗后，特斯拉终于迎来了好消息，马斯克的这一声明消除了对特斯拉股价的威胁，抛售压力和负面看法问题已经解决，投资者重新关注华尔街的基本面驱动因素。\n2、苹果汽车早产！供应链称Apple Car将于明年9月发布\n12月2日消息，有媒体报道称，苹果首款电动车「Apple Car」有望将提前问世。此前，外界原本预期苹果至少要到 2023 年才会推出 Apple Car。不过，国内供应链大厂董座直言，苹果正准备在明年 9 月推出 Apple Car。某电动车供应链大厂高层透露，随着订单出货、组装完成，Apple Car 首款原型车，已有数十辆秘密在美国加州上路测试中，预计出货量与商机将会在明年初显，2022 年全面爆发。\n3、辉瑞新冠口服药获美国FDA紧急授权\n当地时间22日，辉瑞公司生产的抗新冠病毒口服药PAXLOVID获得了美国食品药品监督管理局的紧急使用授权，可以用于治疗出现轻度至中度症状的新冠肺炎患者。\n4、美国联邦贸易委员会对亚马逊云计算业务展开新的反垄断调查\n知情人士透露，美国联邦贸易委员会(FTC)正在推进对亚马逊云计算业务的反垄断调查。\nFTC主席Lina Khan一直是亚马逊的批评者，正在推进前任主席几年前启动的一项调查。\n亚马逊160亿美元的云计算业务也是该公司最大的利润源。调查这项业务之际，Khan早已把目标瞄准了美国一些最大的科技公司。Khan曾是哥伦比亚大学法学院教授，在反垄断界大名鼎鼎，一直警告亚马逊之类公司对数字经济时代的竞争构成威胁。","news_type":1},"isVote":1,"tweetType":1,"viewCount":579,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":849727950,"gmtCreate":1635778649608,"gmtModify":1635778649669,"author":{"id":"3561715931247718","authorId":"3561715931247718","name":"LeonYeo","avatar":"https://static.tigerbbs.com/98f48b16c6f76520316a9d2bbb6a8506","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"looking forward of it","listText":"looking forward of it","text":"looking forward of it","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/849727950","repostId":"1121970113","repostType":4,"repost":{"id":"1121970113","pubTimestamp":1635777543,"share":"https://www.laohu8.com/m/news/1121970113?lang=&edition=full","pubTime":"2021-11-01 22:39","market":"us","language":"en","title":"SoFi Technologies: The Bank Charter Will Change Everything","url":"https://stock-news.laohu8.com/highlight/detail?id=1121970113","media":"Seeking Alpha","summary":"Summary\n\nThe bank charter is SoFi's biggest catalyst and will have measurable effects on its margins","content":"<p><b>Summary</b></p>\n<ul>\n <li>The bank charter is SoFi's biggest catalyst and will have measurable effects on its margins, membership, and marketing.</li>\n <li>Analysis of the timeline of previous fintechs who have received bank charters suggests that the bank charter approval should be in the near future (within ~6 months).</li>\n <li>Other fintechs' valuations have exploded after receiving a national bank charter and SoFi will follow suit.</li>\n</ul>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/be5f0375691db5a55bbdccb1c7d4f9f1\" tg-width=\"1536\" tg-height=\"1170\" width=\"100%\" height=\"auto\"><span>georgeclerk/E+ via Getty Images</span></p>\n<p>SoFi Technologies (SOFI) is finally seeing a return to a reasonable value after its unwarranted price drop following Q2 earnings. At the time, I highlighted that&nbsp;the price drop gave investors a tremendous opportunity to open a position or average down. Since the publication of that article, the stock price has increased more than 40%. That is an excellent return, but there is still huge upside to investing in this major growth fintech. SoFi’s growth story is only getting started. SoFi’s biggest catalyst is obtaining a national bank charter, and this article will explain why a bank charter will accelerate their already impressive growth.</p>\n<p><b>Introduction to the Bank Charter</b></p>\n<p>SoFi investors cannot seem to stop talking about the bank charter or trying to decipher when it will be approved. Despite the excitement surrounding this catalyst, I do not think that everyone understands the whole picture of what the bank charter can and will do for SoFi. As a chemical engineer, I am a numbers guy at heart. I’m the type of person that gets excited about putting together spreadsheets and numerical analysis and breakdowns. I will cover how I think the stock price will react to bank charter news and of what we know surrounding the timeline for approval below. However, one of the things that I most enjoy about investing is that it is a blend of analytical analysis and human emotion. The narrative of a stock often has a significant effect on its share price because there is a large human element involved and humans are not emotionless automatons. I want to start with that narrative, breaking down charter’s effects on three different parts of their business: Margins, Marketing, and Members.</p>\n<p><b>Bank Charter's EffectsMargins</b></p>\n<p>The effect on SoFi’s margins is the easiest to quantify. Owning a bank charter allows SoFi to use their deposits to finance their own loans. Lending is SoFi’s biggest source of revenue and profits. Right now, they have to borrow money from third-party banks to finance the majority of their loans. These third-party banks charge somewhere around 2-2.5% interest (200-250 basis points) to use their money. As soon as SoFi obtains a bank charter, they can use the deposits from their members to finance those loans. That means their cost of capital goes from 2% to what they pay their SoFi Money members in interest (currently 0.25%, but more on that later). This improves their margins. Additionally, answering to and being regulated by a single entity (the OCC) is easier than being independently regulated by 50 individual states (which is what SoFi currently has to do). This cuts down on administrative costs. Most people are familiar with the following slide from their investor slide deck, but it is worth putting here again.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/119616a3edb8d0ebe95b81b2035ae3d8\" tg-width=\"640\" tg-height=\"360\" width=\"100%\" height=\"auto\"><span>Source: SoFi Investor Presentation</span></p>\n<p>EBITDA is a measure of earnings. The dark blue bars are their earnings without the bank charter, and the light blue bars are incremental earnings they get because of their expanded margins. So in simple terms, between now and 2025, the bank charter is worth about $1B in profit margin between now and 2025 with current revenue. Profitability, free cash flow, cash on hand, and a whole host of important financial parameters will get a big boost with the bank charter.</p>\n<p><b>Marketing</b></p>\n<p>The second key aspect about the bank charter is that it allows SoFi to have more effective marketing. A national bank charter gives them legitimacy. SoFi Money deposits are already FDIC insured, but that is through partner banks. As one of the first Fintech companies with a bank charter, SoFi will have a cachet and credibility that will help them stand out from their peers. That credibility and legitimacy is all well and good, but when people are making a financial decision, the most important factor is usually how it affects their wallets.</p>\n<p><b>Personal Loans</b></p>\n<p>When you type “personal loan” into Google, the first website that pops up (after the paid advertisements) is Bankrate's website and it looks like this:</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/dbb8aec2a4f3327da227b1942cf93687\" tg-width=\"640\" tg-height=\"701\" width=\"100%\" height=\"auto\"><span>Source: Bankrate</span></p>\n<p>You’ll notice that SoFi is among the top results. Their product offering ties for the lowest APR, most flexible terms, and max loan amount. What would happen if they could drop their APR by 0.25% or 0.5%? Anthony Noto gave an&nbsp;interview&nbsp;about the effects of the bank charter. Speaking specifically about loans, he said “my cost goes from two percent to fifteen [basis points]. I could give that all back to you in a lower interest rate on that loan, or I can give you a higher interest rate on your deposits, or I could drop it to the bottom line. So we’ll do a combination of those things.” In other words, there are three things ways that SoFi can use their lower cost of capital. They can use it to lower the APR on the loans they offer, they can give a higher interest rate to SoFi Money accounts, or they can use it to improve their margins,. According to Noto, they plan to do all three. SoFi already has such low costs that they are tied for being the lowest cost provider with their current cost of capital. After the bank charter, SoFi can simultaneously drop their APR to attract more customers while expanding their margins. If you are looking for a personal loan and you find that bankrate page, but now SoFi’s APR is 4.75% or 4.5%, that is almost certainly going to be the first link you click. SoFi will have gained another member into their sticky system.</p>\n<p><b>Student Loan Refinancing</b></p>\n<p>Let’s try the same exercise with the phrase “student loan refinance”. Again, after scrolling past the paid advertisement results, the first result is a NerdWallet page where you will find the following graphic:</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/635b349a2dd5ef591acbf1cdf8e7e937\" tg-width=\"640\" tg-height=\"510\" width=\"100%\" height=\"auto\"><span>Source: NerdWallet</span></p>\n<p>Again, SoFi’s offering is tied for the lowest rate available. If they use a portion of their lowered cost basis to offer even better rates, they will hoover up an even greater portion of the student loan refinance market.</p>\n<p><b>SoFi Money</b></p>\n<p>The second option that Anthony Noto mentioned was that SoFi can give you a higher interest rate on your deposits. This is in reference to a SoFi Money account, which is similar to a checking account. Currently, SoFi offers 0.25% interest on the balance in the SoFi Money account. Because SoFi is not a nationally chartered bank, they have to send your deposit to a third-party FDIC-insured bank. Once SoFi has their bank charter, they are free to give their members whatever interest rate they choose. The best high-yield savings accounts on the market right now give 0.5-0.6% APY:</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/bc09da4ea8f9c7b30ddfe1d37bb0a677\" tg-width=\"640\" tg-height=\"550\" width=\"100%\" height=\"auto\"><span>Source: NerdWallet</span></p>\n<p>SoFi can easily disrupt this market by offering a better product and a better interest rate. As I mentioned before, SoFi Money is akin to a checking account. It is liquid and you can spend the money in the account with a debit card or withdraw funds from an ATM. These high-yield savings accounts do not have that same liquidity. To access the money, you first have to initialize a transfer to a checking account, which typically takes 3-5 days. Banks do this on purpose to increase friction between you and your money in these higher yield accounts so that you move it less frequently. Anthony Noto is on the record as saying that this practice is not necessary in the modern banking world. SoFi will be able to offer an account that gives you the flexibility of a checking account with an interest rate that surpasses high-yield savings accounts. I believe they will do so to incentivize their members to move all their money into a SoFi Money account. Remember, the greater the total value of their deposits, the better their lending margins will be.</p>\n<p>A bank charter allows SoFi to offer best-in-class products for student loans, personal loans, checking accounts, and savings accounts. Their home mortgage loans and home refinancing products will also become even more competitive. Marketing becomes much easier when your product sells itself. Additionally, each new member and each existing member will be adding more to the bottom line than ever before.</p>\n<p><b>Members</b></p>\n<p>The bank charter also makes things better for existing and new members. This will make their product offerings even stickier than they already are. Right now, SoFi has to sweep the deposits from SoFi Money, SoFi Invest, and their other financial products into partner bank accounts. It is frustrating, for example, that moving cash from your Money account to your Invest account takes 2-3 days. This is because they have to move it from an outside bank’s brokerage account to a different bank’s deposit account. A lot of internal friction between their account, investment, credit card, and other products will be removed when they can hold their own deposits, making for a seamless and better user experience.</p>\n<p>Additionally, existing members will also get the benefits discussed in the marketing section above. This means better rates on personal loans, student loan refinancing, mortgages, and more interest for their deposits. If you are already a member and you see that SoFi has best-in-class loan offerings, it makes it much easier to stay in the SoFi ecosystem for that loan. Cross-selling is a key feature of their long-term strategy, and having more competitive products makes it easier and more attractive for members to stay with SoFi for all their financial needs. I, for example, have my emergency fund in a high-yield savings account but would gladly move it all to SoFi Money if they had slightly higher interest rates.</p>\n<p><b>Bank Charter Timeline</b></p>\n<p>I am not Nostrodomos nor do I claim to know the inner workings of the Office of the Comptroller of the Currency (OCC). I have no idea when the bank charter will be approved. However, there are some definitive dates that we do know and that we can compare with previous fintechs who have been granted a bank charter. Also, there are some fun breadcrumbs that SoFi seems to be leaving that indicate that the process is moving forward.</p>\n<p><b>Previous Fintech Timelines</b></p>\n<p>Varo, Square (SQ), and LendingClub (LC) are the three fintech companies that have received bank charters. There are two type of charter applications. The first is a de novo application, which is the creation of a new bank. The second is a change of control application, which is where one bank acquires another bank that already has a national bank charter and takes over their charter. Varo and Square went through the de novo process whereas Lending Club went through the change of control process through their acquisition of Radius Bank. The timelines were as follows:</p>\n<p>Varo – Received&nbsp;preliminary approval&nbsp;on September 4, 2018 and&nbsp;final approval&nbsp;on July 31, 2020, a period of almost 23 months. Varo was the first fintech to receive a bank charter.</p>\n<p>Square – Receive&nbsp;dpreliminary approval&nbsp;on March 18, 2020 and&nbsp;final approval&nbsp;on March 1, 2021, a period of about 11 months.</p>\n<p>LendingClub –Announced the acquisition&nbsp;of Radius bank on February 18, 2020, filed for the change of control on April 27, 2020, and received&nbsp;final approval&nbsp;on December 30, 2020, a period of about 10 months.</p>\n<p><b>SoFi Bank Charter Timeline</b></p>\n<p>SoFi’s application started as a de novo application and they received&nbsp;conditional approval of their bank charter application&nbsp;on October 27, 2020. However, on March 9, 2021,SoFi announced an agreement&nbsp;to acquire Golden Pacific Bancorp and changed their de novo application to a change of control application. The linked press release states that “The proposed acquisition is a key strategic step in SoFi’s path to obtaining a national bank charter”, so we can reasonably assume that SoFi believed that the acquisition would expedite the bank charter process. The same press release also states that the completion of the transaction is “anticipated before the end of 2021”. SoFi also submitted a&nbsp;CRA strategic plan&nbsp;as part of their bank charter application. That document states that the “The Bank elects to have its CRA performance evaluated under the Strategic Plan option, with a proposed period of November 1, 2021 (or upon consummation of the Bank) to December 31, 2024.” This also indicates that SoFi is prepared to begin banking operations starting in 2021. Based on the Square and LendingClub timelines, and SoFi’s own press release and CRA plan, it is probably safe to assume that the bank charter approval could come any time between now and spring of 2022.</p>\n<p><b>Breadcrumb Trail to Bank Charter Approval</b></p>\n<p>Now we get into the fun speculation stuff. Please note again that there is still a chance this all falls apart and that the OCC does not grant a bank charter. In that case, SoFi stock still has an analyst target of $25. This section is mostly just for fun, so take everything here with a grain of salt. However, if you like to play connect the dots, here are some interesting tidbits you probably want to be aware of. If this is a little too speculative for you, please just skip to the next section.</p>\n<p><b>Convertible Note Offering Bears a Suspicious Resemblance</b></p>\n<p>If you go back to that GPB acquisition press release, you find this statement: “If successfully granted a national bank charter by the OCC and Federal Reserve pursuant to its change of control application, SoFi plans to contribute $750 million in capital and pursue its national, digital business plan while maintaining GPB’s community bank business and footprint, including GPB’s current three physical branches.” SoFi planned to raise $750 M in capital to expand banking if they are granted the bank charter. On September 29, 2020, SoFi offered convertible senior notes to raise exactly $750M. The offering was later expanded to $1.1B. It is an interesting coincidence that the senior note offering raised the exact amount that SoFi said they would raise if granted a bank charter.</p>\n<p><b>Banking Hires and Positions</b></p>\n<p>SoFi is made a very auspicious hire that showed up on LinkedIn sometime in mid-September. Meet Chad Borton, Harvard grad, former Bank President of USAA and currently employed as the President of “SoFi Bank at SoFi”.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/9c32b6f73ee4e73ec8c102431d2cc8c0\" tg-width=\"640\" tg-height=\"496\" width=\"100%\" height=\"auto\"><span>Source: LinkedIn</span></p>\n<p>He was included on the SoFi website&nbsp;Management Team&nbsp;page on October 5, although there has been a fairly conspicuous lack of fanfare surrounding his hire as there was no corresponding press release or other announcement. There has not even been mention of it on SoFi’s official twitter account. Besides hiring a new President of SoFi Bank, there have been numerous hires and job listings for roles that would only be necessary if they become a national bank, such as a Angela Smedley, a&nbsp;Senior Compliance Officer, CRA Officer. Only a nationally chartered bank is regulated by the Community Reinvestment Act (CRA), so this position would be superfluous otherwise. Or this current listing for a&nbsp;Bank FP&amp;A Senior Associate. That job listing says outright in the job description that “SoFi Bank is currently in formation and will establish a nationwide fully digital bank with a member-centric approach that provides relevant, fairly priced products throughout life stages and events.”</p>\n<p>Is the Bank Charter Priced In?</p>\n<p>After the recent price movements in the SoFi stock, I am more convinced than ever that the bank charter is not priced in. Here is the SOFI daily chart from the last 3 months:</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/8af8403dd21b616e4c93e37aff8bf687\" tg-width=\"640\" tg-height=\"360\" width=\"100%\" height=\"auto\"><span>Source: TradingView with my own annotations</span></p>\n<p>You’ll notice that on September 22 and October 11, the stock had jumps of 11% and 13.5%, respectively. Those were each caused by an analyst initiating coverage of SoFi stock with a \"Buy\" rating. Absolutely nothing at all changed about the underlying fundamentals of the SoFi business, but simply because a Jeffries analyst and a Morgan Stanley analyst recommended the stock as a “buy”. This stock has run up close to 40% in a month on the back of two analyst ratings. If analyst ratings can move the stock this much, think of how much something that materially improves everything about the company can move it.</p>\n<p>What Happened to LendingClub’s stock price after obtaining their bank charter?</p>\n<p>We can also compare what happened to LendingClub’s stock price. As mentioned previously, LendingClub received their charter approval on December 30, 2020 and their share price closed that day at $8.37. The share price jumped 26% the next day and was up 37% total a week later. What has truly been astounding however, has been their incredible growth since then spurred by record earnings due to their increased margins. Although they received bank charter approval on December 30, they started operations as a fully bank on February 1, 2021. That makes Q2 2021 their first earnings after receiving charter approval. LC announced blowout earnings driven by greater margins in their lending business and raised future guidance and the stock price blew up 48% overnight. At time of writing, Q3 2021 earnings were just announced yesterday and again the stock skyrocketed going up 33% overnight. In all, since the bank charter was announced, the stock is now up 403% since the approval announcement, as you can see in the one year chart below.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/fcf43842e6ba7cb3c7389d17113dafc7\" tg-width=\"640\" tg-height=\"360\" width=\"100%\" height=\"auto\"><span>Source: TradingView with my own annotations</span></p>\n<p><b>How about Varo Bank’s Valuation with a charter?</b></p>\n<p>Another data point is Varo Bank. Varo is not a publicly traded company. However, their various funding rounds do give them a valuation. This headline pretty much says it all:</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/3f9e57304041f5df213c374d43b21f38\" tg-width=\"640\" tg-height=\"1280\" width=\"100%\" height=\"auto\"><span>Source: CNBC</span></p>\n<p>Revenue has tripled and the valuation has gone up 3.6x since they acquired their charter (I know the headline says it tripled, but 700M to 2.5B is actually 3.6x).</p>\n<p><b>Square is the Odd Fintech Out</b></p>\n<p>Square is the odd company out here, but that is for good reason. Both LendingClub and Varo operate as consumer banks and lending is a large segment of their business. Their business models make full use of the bank charter. Square, on the other hand, does not have any consumer lending products at all. They do offer business loans, but it is a very small part of their company. In fact, when you read their&nbsp;press release&nbsp;about obtaining their charter, it kind of makes you wonder why they went to the trouble of getting it in the first place. According to their press release, “We do not expect the bank to have a material impact on Square’s consolidated balance sheet, total net revenue, gross profit, or Adjusted EBITDA in 2021.”</p>\n<p><b>What is Wall Street’s Opinion on the Bank Charter Being Priced In?</b></p>\n<p>Wall Street analysts agree that the bank charter is not priced in. John Hecht of Jeffries&nbsp;specifically said&nbsp;that his $25 price target did not include the bank charter and that the charter would add about 30% in incremental adjusted EBITDA relative to his current base case estimates. Betsy Grasec of Morgan Stanley, who also initiated coverage with a $25 price target, has a bull case price target of $34. The difference between the two cases is that&nbsp;SoFi obtains its bank charter by early 2022.</p>\n<p><b>SoFi Future Expectations</b></p>\n<p>So LendingClub’s market cap had increased 4.8x in 10 months and Varo Bank’s evaluation went up 3.6x in 13 months after receiving charters. It’s also worth noting that LendingClub had already run up from about $5 at the beginning of November to over $8 at the end of December prior to the charter approval. Wall Street also believes there is significant upside with the bank charter.</p>\n<p>I think it is reasonable to assume that SoFi gets a good short-term bump when the approval goes through. SoFi has had a good run recently, but I think it is clear that there is a lot of upside left to capture. If buy ratings can result in double-digit gains, I think a 10-20% jump on the news can be expected. However, I think the bigger gains will be realized over the next two to three earnings reports that occur after the bank charter approval. I expect SoFi to crush analyst estimates and consistently raise future guidance over those quarters as the true impact of the bank charter hits membership growth numbers, revenue, and earnings. If the bank charter comes through this year, I think a conservative and achievable price target for the end of 2022 is $40-$45.</p>\n<p>The most important thing to me that people do not always seem to discuss about the charter is that it fundamentally improves the underlying business long term. This isn’t a catalyst that results in a one-time bump in revenue. This will positively affect every core product SoFi offers, make the ecosystem even stickier, and accelerate member growth (it even positively affects Galileo, although I did not have time to cover that in this article). This change will still be felt 5 and 10 years down the road as SoFi moves from a growth story to a successful fintech bank. SoFi is my highest conviction stock and I believe it will widely outperform the market over the coming years.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SoFi Technologies: The Bank Charter Will Change Everything</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: The Bank Charter Will Change Everything\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-01 22:39 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4464001-sofi-technologies-the-bank-charter-will-change-everything><strong>Seeking Alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Summary\n\nThe bank charter is SoFi's biggest catalyst and will have measurable effects on its margins, membership, and marketing.\nAnalysis of the timeline of previous fintechs who have received bank ...</p>\n\n<a href=\"https://seekingalpha.com/article/4464001-sofi-technologies-the-bank-charter-will-change-everything\">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://seekingalpha.com/article/4464001-sofi-technologies-the-bank-charter-will-change-everything","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1121970113","content_text":"Summary\n\nThe bank charter is SoFi's biggest catalyst and will have measurable effects on its margins, membership, and marketing.\nAnalysis of the timeline of previous fintechs who have received bank charters suggests that the bank charter approval should be in the near future (within ~6 months).\nOther fintechs' valuations have exploded after receiving a national bank charter and SoFi will follow suit.\n\ngeorgeclerk/E+ via Getty Images\nSoFi Technologies (SOFI) is finally seeing a return to a reasonable value after its unwarranted price drop following Q2 earnings. At the time, I highlighted that the price drop gave investors a tremendous opportunity to open a position or average down. Since the publication of that article, the stock price has increased more than 40%. That is an excellent return, but there is still huge upside to investing in this major growth fintech. SoFi’s growth story is only getting started. SoFi’s biggest catalyst is obtaining a national bank charter, and this article will explain why a bank charter will accelerate their already impressive growth.\nIntroduction to the Bank Charter\nSoFi investors cannot seem to stop talking about the bank charter or trying to decipher when it will be approved. Despite the excitement surrounding this catalyst, I do not think that everyone understands the whole picture of what the bank charter can and will do for SoFi. As a chemical engineer, I am a numbers guy at heart. I’m the type of person that gets excited about putting together spreadsheets and numerical analysis and breakdowns. I will cover how I think the stock price will react to bank charter news and of what we know surrounding the timeline for approval below. However, one of the things that I most enjoy about investing is that it is a blend of analytical analysis and human emotion. The narrative of a stock often has a significant effect on its share price because there is a large human element involved and humans are not emotionless automatons. I want to start with that narrative, breaking down charter’s effects on three different parts of their business: Margins, Marketing, and Members.\nBank Charter's EffectsMargins\nThe effect on SoFi’s margins is the easiest to quantify. Owning a bank charter allows SoFi to use their deposits to finance their own loans. Lending is SoFi’s biggest source of revenue and profits. Right now, they have to borrow money from third-party banks to finance the majority of their loans. These third-party banks charge somewhere around 2-2.5% interest (200-250 basis points) to use their money. As soon as SoFi obtains a bank charter, they can use the deposits from their members to finance those loans. That means their cost of capital goes from 2% to what they pay their SoFi Money members in interest (currently 0.25%, but more on that later). This improves their margins. Additionally, answering to and being regulated by a single entity (the OCC) is easier than being independently regulated by 50 individual states (which is what SoFi currently has to do). This cuts down on administrative costs. Most people are familiar with the following slide from their investor slide deck, but it is worth putting here again.\nSource: SoFi Investor Presentation\nEBITDA is a measure of earnings. The dark blue bars are their earnings without the bank charter, and the light blue bars are incremental earnings they get because of their expanded margins. So in simple terms, between now and 2025, the bank charter is worth about $1B in profit margin between now and 2025 with current revenue. Profitability, free cash flow, cash on hand, and a whole host of important financial parameters will get a big boost with the bank charter.\nMarketing\nThe second key aspect about the bank charter is that it allows SoFi to have more effective marketing. A national bank charter gives them legitimacy. SoFi Money deposits are already FDIC insured, but that is through partner banks. As one of the first Fintech companies with a bank charter, SoFi will have a cachet and credibility that will help them stand out from their peers. That credibility and legitimacy is all well and good, but when people are making a financial decision, the most important factor is usually how it affects their wallets.\nPersonal Loans\nWhen you type “personal loan” into Google, the first website that pops up (after the paid advertisements) is Bankrate's website and it looks like this:\nSource: Bankrate\nYou’ll notice that SoFi is among the top results. Their product offering ties for the lowest APR, most flexible terms, and max loan amount. What would happen if they could drop their APR by 0.25% or 0.5%? Anthony Noto gave an interview about the effects of the bank charter. Speaking specifically about loans, he said “my cost goes from two percent to fifteen [basis points]. I could give that all back to you in a lower interest rate on that loan, or I can give you a higher interest rate on your deposits, or I could drop it to the bottom line. So we’ll do a combination of those things.” In other words, there are three things ways that SoFi can use their lower cost of capital. They can use it to lower the APR on the loans they offer, they can give a higher interest rate to SoFi Money accounts, or they can use it to improve their margins,. According to Noto, they plan to do all three. SoFi already has such low costs that they are tied for being the lowest cost provider with their current cost of capital. After the bank charter, SoFi can simultaneously drop their APR to attract more customers while expanding their margins. If you are looking for a personal loan and you find that bankrate page, but now SoFi’s APR is 4.75% or 4.5%, that is almost certainly going to be the first link you click. SoFi will have gained another member into their sticky system.\nStudent Loan Refinancing\nLet’s try the same exercise with the phrase “student loan refinance”. Again, after scrolling past the paid advertisement results, the first result is a NerdWallet page where you will find the following graphic:\nSource: NerdWallet\nAgain, SoFi’s offering is tied for the lowest rate available. If they use a portion of their lowered cost basis to offer even better rates, they will hoover up an even greater portion of the student loan refinance market.\nSoFi Money\nThe second option that Anthony Noto mentioned was that SoFi can give you a higher interest rate on your deposits. This is in reference to a SoFi Money account, which is similar to a checking account. Currently, SoFi offers 0.25% interest on the balance in the SoFi Money account. Because SoFi is not a nationally chartered bank, they have to send your deposit to a third-party FDIC-insured bank. Once SoFi has their bank charter, they are free to give their members whatever interest rate they choose. The best high-yield savings accounts on the market right now give 0.5-0.6% APY:\nSource: NerdWallet\nSoFi can easily disrupt this market by offering a better product and a better interest rate. As I mentioned before, SoFi Money is akin to a checking account. It is liquid and you can spend the money in the account with a debit card or withdraw funds from an ATM. These high-yield savings accounts do not have that same liquidity. To access the money, you first have to initialize a transfer to a checking account, which typically takes 3-5 days. Banks do this on purpose to increase friction between you and your money in these higher yield accounts so that you move it less frequently. Anthony Noto is on the record as saying that this practice is not necessary in the modern banking world. SoFi will be able to offer an account that gives you the flexibility of a checking account with an interest rate that surpasses high-yield savings accounts. I believe they will do so to incentivize their members to move all their money into a SoFi Money account. Remember, the greater the total value of their deposits, the better their lending margins will be.\nA bank charter allows SoFi to offer best-in-class products for student loans, personal loans, checking accounts, and savings accounts. Their home mortgage loans and home refinancing products will also become even more competitive. Marketing becomes much easier when your product sells itself. Additionally, each new member and each existing member will be adding more to the bottom line than ever before.\nMembers\nThe bank charter also makes things better for existing and new members. This will make their product offerings even stickier than they already are. Right now, SoFi has to sweep the deposits from SoFi Money, SoFi Invest, and their other financial products into partner bank accounts. It is frustrating, for example, that moving cash from your Money account to your Invest account takes 2-3 days. This is because they have to move it from an outside bank’s brokerage account to a different bank’s deposit account. A lot of internal friction between their account, investment, credit card, and other products will be removed when they can hold their own deposits, making for a seamless and better user experience.\nAdditionally, existing members will also get the benefits discussed in the marketing section above. This means better rates on personal loans, student loan refinancing, mortgages, and more interest for their deposits. If you are already a member and you see that SoFi has best-in-class loan offerings, it makes it much easier to stay in the SoFi ecosystem for that loan. Cross-selling is a key feature of their long-term strategy, and having more competitive products makes it easier and more attractive for members to stay with SoFi for all their financial needs. I, for example, have my emergency fund in a high-yield savings account but would gladly move it all to SoFi Money if they had slightly higher interest rates.\nBank Charter Timeline\nI am not Nostrodomos nor do I claim to know the inner workings of the Office of the Comptroller of the Currency (OCC). I have no idea when the bank charter will be approved. However, there are some definitive dates that we do know and that we can compare with previous fintechs who have been granted a bank charter. Also, there are some fun breadcrumbs that SoFi seems to be leaving that indicate that the process is moving forward.\nPrevious Fintech Timelines\nVaro, Square (SQ), and LendingClub (LC) are the three fintech companies that have received bank charters. There are two type of charter applications. The first is a de novo application, which is the creation of a new bank. The second is a change of control application, which is where one bank acquires another bank that already has a national bank charter and takes over their charter. Varo and Square went through the de novo process whereas Lending Club went through the change of control process through their acquisition of Radius Bank. The timelines were as follows:\nVaro – Received preliminary approval on September 4, 2018 and final approval on July 31, 2020, a period of almost 23 months. Varo was the first fintech to receive a bank charter.\nSquare – Receive dpreliminary approval on March 18, 2020 and final approval on March 1, 2021, a period of about 11 months.\nLendingClub –Announced the acquisition of Radius bank on February 18, 2020, filed for the change of control on April 27, 2020, and received final approval on December 30, 2020, a period of about 10 months.\nSoFi Bank Charter Timeline\nSoFi’s application started as a de novo application and they received conditional approval of their bank charter application on October 27, 2020. However, on March 9, 2021,SoFi announced an agreement to acquire Golden Pacific Bancorp and changed their de novo application to a change of control application. The linked press release states that “The proposed acquisition is a key strategic step in SoFi’s path to obtaining a national bank charter”, so we can reasonably assume that SoFi believed that the acquisition would expedite the bank charter process. The same press release also states that the completion of the transaction is “anticipated before the end of 2021”. SoFi also submitted a CRA strategic plan as part of their bank charter application. That document states that the “The Bank elects to have its CRA performance evaluated under the Strategic Plan option, with a proposed period of November 1, 2021 (or upon consummation of the Bank) to December 31, 2024.” This also indicates that SoFi is prepared to begin banking operations starting in 2021. Based on the Square and LendingClub timelines, and SoFi’s own press release and CRA plan, it is probably safe to assume that the bank charter approval could come any time between now and spring of 2022.\nBreadcrumb Trail to Bank Charter Approval\nNow we get into the fun speculation stuff. Please note again that there is still a chance this all falls apart and that the OCC does not grant a bank charter. In that case, SoFi stock still has an analyst target of $25. This section is mostly just for fun, so take everything here with a grain of salt. However, if you like to play connect the dots, here are some interesting tidbits you probably want to be aware of. If this is a little too speculative for you, please just skip to the next section.\nConvertible Note Offering Bears a Suspicious Resemblance\nIf you go back to that GPB acquisition press release, you find this statement: “If successfully granted a national bank charter by the OCC and Federal Reserve pursuant to its change of control application, SoFi plans to contribute $750 million in capital and pursue its national, digital business plan while maintaining GPB’s community bank business and footprint, including GPB’s current three physical branches.” SoFi planned to raise $750 M in capital to expand banking if they are granted the bank charter. On September 29, 2020, SoFi offered convertible senior notes to raise exactly $750M. The offering was later expanded to $1.1B. It is an interesting coincidence that the senior note offering raised the exact amount that SoFi said they would raise if granted a bank charter.\nBanking Hires and Positions\nSoFi is made a very auspicious hire that showed up on LinkedIn sometime in mid-September. Meet Chad Borton, Harvard grad, former Bank President of USAA and currently employed as the President of “SoFi Bank at SoFi”.\nSource: LinkedIn\nHe was included on the SoFi website Management Team page on October 5, although there has been a fairly conspicuous lack of fanfare surrounding his hire as there was no corresponding press release or other announcement. There has not even been mention of it on SoFi’s official twitter account. Besides hiring a new President of SoFi Bank, there have been numerous hires and job listings for roles that would only be necessary if they become a national bank, such as a Angela Smedley, a Senior Compliance Officer, CRA Officer. Only a nationally chartered bank is regulated by the Community Reinvestment Act (CRA), so this position would be superfluous otherwise. Or this current listing for a Bank FP&A Senior Associate. That job listing says outright in the job description that “SoFi Bank is currently in formation and will establish a nationwide fully digital bank with a member-centric approach that provides relevant, fairly priced products throughout life stages and events.”\nIs the Bank Charter Priced In?\nAfter the recent price movements in the SoFi stock, I am more convinced than ever that the bank charter is not priced in. Here is the SOFI daily chart from the last 3 months:\nSource: TradingView with my own annotations\nYou’ll notice that on September 22 and October 11, the stock had jumps of 11% and 13.5%, respectively. Those were each caused by an analyst initiating coverage of SoFi stock with a \"Buy\" rating. Absolutely nothing at all changed about the underlying fundamentals of the SoFi business, but simply because a Jeffries analyst and a Morgan Stanley analyst recommended the stock as a “buy”. This stock has run up close to 40% in a month on the back of two analyst ratings. If analyst ratings can move the stock this much, think of how much something that materially improves everything about the company can move it.\nWhat Happened to LendingClub’s stock price after obtaining their bank charter?\nWe can also compare what happened to LendingClub’s stock price. As mentioned previously, LendingClub received their charter approval on December 30, 2020 and their share price closed that day at $8.37. The share price jumped 26% the next day and was up 37% total a week later. What has truly been astounding however, has been their incredible growth since then spurred by record earnings due to their increased margins. Although they received bank charter approval on December 30, they started operations as a fully bank on February 1, 2021. That makes Q2 2021 their first earnings after receiving charter approval. LC announced blowout earnings driven by greater margins in their lending business and raised future guidance and the stock price blew up 48% overnight. At time of writing, Q3 2021 earnings were just announced yesterday and again the stock skyrocketed going up 33% overnight. In all, since the bank charter was announced, the stock is now up 403% since the approval announcement, as you can see in the one year chart below.\nSource: TradingView with my own annotations\nHow about Varo Bank’s Valuation with a charter?\nAnother data point is Varo Bank. Varo is not a publicly traded company. However, their various funding rounds do give them a valuation. This headline pretty much says it all:\nSource: CNBC\nRevenue has tripled and the valuation has gone up 3.6x since they acquired their charter (I know the headline says it tripled, but 700M to 2.5B is actually 3.6x).\nSquare is the Odd Fintech Out\nSquare is the odd company out here, but that is for good reason. Both LendingClub and Varo operate as consumer banks and lending is a large segment of their business. Their business models make full use of the bank charter. Square, on the other hand, does not have any consumer lending products at all. They do offer business loans, but it is a very small part of their company. In fact, when you read their press release about obtaining their charter, it kind of makes you wonder why they went to the trouble of getting it in the first place. According to their press release, “We do not expect the bank to have a material impact on Square’s consolidated balance sheet, total net revenue, gross profit, or Adjusted EBITDA in 2021.”\nWhat is Wall Street’s Opinion on the Bank Charter Being Priced In?\nWall Street analysts agree that the bank charter is not priced in. John Hecht of Jeffries specifically said that his $25 price target did not include the bank charter and that the charter would add about 30% in incremental adjusted EBITDA relative to his current base case estimates. Betsy Grasec of Morgan Stanley, who also initiated coverage with a $25 price target, has a bull case price target of $34. The difference between the two cases is that SoFi obtains its bank charter by early 2022.\nSoFi Future Expectations\nSo LendingClub’s market cap had increased 4.8x in 10 months and Varo Bank’s evaluation went up 3.6x in 13 months after receiving charters. It’s also worth noting that LendingClub had already run up from about $5 at the beginning of November to over $8 at the end of December prior to the charter approval. Wall Street also believes there is significant upside with the bank charter.\nI think it is reasonable to assume that SoFi gets a good short-term bump when the approval goes through. SoFi has had a good run recently, but I think it is clear that there is a lot of upside left to capture. If buy ratings can result in double-digit gains, I think a 10-20% jump on the news can be expected. However, I think the bigger gains will be realized over the next two to three earnings reports that occur after the bank charter approval. I expect SoFi to crush analyst estimates and consistently raise future guidance over those quarters as the true impact of the bank charter hits membership growth numbers, revenue, and earnings. If the bank charter comes through this year, I think a conservative and achievable price target for the end of 2022 is $40-$45.\nThe most important thing to me that people do not always seem to discuss about the charter is that it fundamentally improves the underlying business long term. This isn’t a catalyst that results in a one-time bump in revenue. This will positively affect every core product SoFi offers, make the ecosystem even stickier, and accelerate member growth (it even positively affects Galileo, although I did not have time to cover that in this article). This change will still be felt 5 and 10 years down the road as SoFi moves from a growth story to a successful fintech bank. SoFi is my highest conviction stock and I believe it will widely outperform the market over the coming years.","news_type":1},"isVote":1,"tweetType":1,"viewCount":740,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"defaultTab":"followers","isTTM":false}