[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"app-context":3,"blog-sofi-is-down-45-and-cramer-ties-it-to-bank-stocks-heres-what-the-report-must-show-ES":150},{"languages":4,"categories":41,"products":125,"competitors":149},[5,9,13,17,21,25,29,33,37],{"name":6,"code":7,"id":8},"English","EN","TGFuZ3VhZ2U6ZW4=",{"name":10,"code":11,"id":12},"Español","ES","TGFuZ3VhZ2U6ZXM=",{"name":14,"code":15,"id":16},"Português","PT","TGFuZ3VhZ2U6cHQ=",{"name":18,"code":19,"id":20},"日本語","JA","TGFuZ3VhZ2U6amE=",{"name":22,"code":23,"id":24},"한국어","KO","TGFuZ3VhZ2U6a28=",{"name":26,"code":27,"id":28},"Deutsch","DE","TGFuZ3VhZ2U6ZGU=",{"name":30,"code":31,"id":32},"Italiano","IT","TGFuZ3VhZ2U6aXQ=",{"name":34,"code":35,"id":36},"Français","FR","TGFuZ3VhZ2U6ZnI=",{"name":38,"code":39,"id":40},"中文 (中国)","ZH","TGFuZ3VhZ2U6emg=",[42,73,104],{"icon":43,"slug":44,"title":45,"description":46,"featuredLinks":47},"mingcute:stock-line","stock-market-basics","Stock Market Basics","\u003Cp>Beginners' guides and practical tips for understanding stock market investing.\u003C\u002Fp>\n",[48,53,58,63,68],{"url":49,"title":50,"description":51,"ogImage":52},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-makes-stocks-go-up-and-down","What Makes Stocks Go Up and Down | TIKR.com","Understanding what makes stock prices go up and down can help investors better navigate investing. Click to learn more!","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-makes-stocks-go-up-and-down-banner\u002FWhat-makes-stocks-go-up-and-down-banner.jpg?_i=AA",{"url":54,"title":55,"description":56,"ogImage":57},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fdividend-yield-meaning-formula-example","Dividend Yield: Meaning, Formula, Example | Tikr.com Blog | TIKR.com","The dividend yield is a key metric for investors looking to gauge the income potential of their investments. It measures how much a company pays out in","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FDividend-yield\u002FDividend-yield.png?_i=AA",{"url":59,"title":60,"description":61,"ogImage":62},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fmarket-capitalization-definition-formula-and-why-it-matters","Market Capitalization: Definition, Formula, and Why It Matters | TIKR.com","Long-term investors often look at various valuation metrics when deciding whether to invest in a particular company. One helpful metric to evaluate is","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FMarket-Capitalization-Definition-Formula-and-Why-It-Matters\u002FMarket-Capitalization-Definition-Formula-and-Why-It-Matters.png?_i=AA",{"url":64,"title":65,"description":66,"ogImage":67},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fearnings-per-share-definition-formula-and-why-eps-matters","Earnings Per Share: Definition, Formula, and Why EPS Matters | TIKR.com","Earnings Per Share (EPS) represents the portion of a company's net earnings allocated to each share. Click to learn more!","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FEPS-Defiinition-formula-and-why-EPS-matters-1\u002FEPS-Defiinition-formula-and-why-EPS-matters-1.png?_i=AA",{"url":69,"title":70,"description":71,"ogImage":72},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-stock-price-target","What Is a Stock Price Target? | TIKR.com","A price target is a stock's estimated future price. It can help investors quickly find undervalued stocks. Learn more now!","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-a-Stock-Price-Target-2\u002FWhat-is-a-Stock-Price-Target-2.png?_i=AA",{"icon":74,"slug":75,"title":76,"description":77,"featuredLinks":78},"material-symbols:analytics-outline","fundamental-analysis","Fundamental Analysis","\u003Cp>In-depth resources and financial metrics to help you evaluate companies like a pro.\u003C\u002Fp>\n",[79,84,89,94,99],{"url":80,"title":81,"description":82,"ogImage":83},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fshare-repurchase-why-do-companies-buy-back-their-stock","Share Repurchase: Why Do Companies Buy Back Their Stock? | TIKR.com","Share repurchases, or share buybacks, have gained popularity in the last two decades. According to a report from Goldman Sachs, stock buybacks initiated","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FTIKR-BLOG-COVER-PHOTOS-3_544a7f4e\u002FTIKR-BLOG-COVER-PHOTOS-3_544a7f4e.png?_i=AA",{"url":85,"title":86,"description":87,"ogImage":88},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-good-return-on-invested-capital","What Is a Good Return on Invested Capital? | TIKR.com","Learning about Return on Invested Capital (ROIC) can help investors spot highly profitable stocks that can drive long-term returns. Learn more now!","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-a-good-return-on-Invested-capital\u002FWhat-is-a-good-return-on-Invested-capital.png?_i=AA",{"url":90,"title":91,"description":92,"ogImage":93},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-good-return-on-equity-ratio","What is a Good Return on Equity Ratio | Tikr.com Blog | TIKR.com","Return on Equity (ROE) is a financial ratio that reflects a company's profitability in relation to the equity invested by shareholders. It basically","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-a-good-return-on-equity-ratio-1\u002FWhat-is-a-good-return-on-equity-ratio-1.jpg?_i=AA",{"url":95,"title":96,"description":97,"ogImage":98},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-good-p-e-ratio","What Is a Good P\u002FE Ratio? | TIKR.com","Financial analysts and investors look at various metrics before deciding whether a stock is a buy. One of the metrics is the price-to-earnings ratio (P\u002FE","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-a-good-PE-ratio-1\u002FWhat-is-a-good-PE-ratio-1.jpg?_i=AA",{"url":100,"title":101,"description":102,"ogImage":103},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Ftop-6-metrics-for-investing-in-reits","Top 6 Metrics for Investing in REITs | TIKR.com","Real estate has been one of the greatest asset classes for wealth creation in history, and investing in Real Estate Investment Trusts (REITs) can allow","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FGroup-10\u002FGroup-10.png?_i=AA",{"icon":105,"slug":106,"title":107,"description":108,"featuredLinks":109},"hugeicons:investigation","investing-lingo","Investing Lingo","\u003Cp>A comprehensive glossary of investing terms and jargon so you can speak the language of the markets confidently.\u003C\u002Fp>\n",[110,115,120],{"url":111,"title":112,"description":113,"ogImage":114},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fenterprise-value-definition-and-calculation","Enterprise Value: Definition and Calculation | Tikr.com Blog | TIKR.com","Enterprise value (EV) is a financial metric that offers a comprehensive snapshot of a company's total value. Unlike market capitalization which solely","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FEnterprise-Value-Definition-and-Calculation_37576e40\u002FEnterprise-Value-Definition-and-Calculation_37576e40.png?_i=AA",{"url":116,"title":117,"description":118,"ogImage":119},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Febitda-definition-formula-how-to-use-it","EBITDA: Definition, Formula, How to Use It | TIKR.com","EBITDA stands for earnings before interest, taxes, depreciation and amortization. It's a financial metric commonly used to evaluate a company's financial","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FEBITDA-Definition-Formula-How-to-Use-It\u002FEBITDA-Definition-Formula-How-to-Use-It.png?_i=AA",{"url":121,"title":122,"description":123,"ogImage":124},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-the-free-cash-flow-formula-and-why-does-it-matter","What is the Free Cash Flow Formula and Why Does It Matter | TIKR.com","Free cash flow, or FCF, is the cash a company generates after it accounts for outflows required to maintain business operations and support capital","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-the-free-cash-flow-formula\u002FWhat-is-the-free-cash-flow-formula.png?_i=AA",[126,130,134,137,141,145],{"slug":127,"modified":128,"title":129},"valuation-model-builder","2025-07-03T00:18:53","Value Stocks Quickly and Accurately",{"slug":131,"modified":132,"title":133},"stock-portfolio-tracking","2024-12-02T22:21:28","Monitor Your Portfolio",{"slug":75,"modified":135,"title":136},"2025-01-21T22:10:52","Instantly Analyze Companies with In-Depth Metrics",{"slug":138,"modified":139,"title":140},"stock-screener","2024-12-02T22:13:31","Find the Best Stocks to Buy",{"slug":142,"modified":143,"title":144},"investor-stock-portfolio","2025-01-21T22:02:56","Follow Investment Moves of Top Investors",{"slug":146,"modified":147,"title":148},"analyze-stocks","2025-07-23T16:04:24","Analyze Stocks",[],{"post":151,"seo":184,"relatedPosts":192,"suggestedPosts":270},{"id":152,"title":153,"date":154,"modified":154,"excerpt":155,"content":156,"wordCount":157,"lang":158,"uri":159,"slug":160,"cloudinaryAssetId":161,"featuredImageOriginalUrl":162,"featuredImageMetadata":163,"author":166,"editor":172,"categories":175,"relatedPosts":181,"seo":182},145464,"SoFi ha caído un 45% y Cramer lo vincula a los bancos. Esto es lo que debe mostrar el informe","2026-10-26T19:49:10","\u003Cp>El martes es la oportunidad de SoFi para demostrar que sus ganancias son propias\u003C\u002Fp>","\u003Ch2 id=\"h-key-takeaways\" class=\"wp-block-heading\">Puntos Clave\u003C\u002Fh2>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>SoFi reportará los resultados del tercer trimestre antes de la apertura del 27 de octubre, una semana después de que Jim Cramer dijera que su caída del 45% no se revertirá hasta que las acciones bancarias suban.\u003C\u002Fli>\n\n\n\n\u003Cli>Las estimaciones de BPA de los analistas se han mantenido durante la venta masiva, mientras que la relación precio\u002Fvalor contable tangible de SoFi ha caído a 2.0x frente a un promedio de tres años de 3.0x.\u003C\u002Fli>\n\n\n\n\u003Cli>El informe debe respaldar las previsiones de la dirección de aproximadamente $0.60 en BPA ajustado para 2026, lo que supone unos $0.18 por trimestre en la segunda mitad frente a $0.12 en cada uno de los dos primeros.\u003C\u002Fli>\n\n\n\n\u003Cli>El aumento de los tipos de interés es el principal riesgo, porque reducen el valor de los préstamos personales que SoFi mantiene en su propio balance.\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Cstrong>SoFi Technologies (\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fstock\u002Fabout?cid=141582707&tid=716885305\">SOFI\u003C\u002Fa>)\u003C\u002Fstrong> reportará sus resultados del tercer trimestre antes de la apertura del martes 27 de octubre. Jim Cramer no espera mucho de la acción hasta que los bancos se recuperen.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">En el episodio del 19 de octubre de \u003Ca href=\"https:\u002F\u002Fpodcasts.apple.com\u002Fus\u002Fpodcast\u002Fmad-money-w-jim-cramer-10-19-26\u002Fid147247199?i=1000797167407\">Mad Money\u003C\u002Fa>, un oyente preguntó si debía comprar más acciones de SoFi tras su desplome. ¿La respuesta de Cramer?\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\"Ha caído un 45%. No va a subir hasta que veamos que las demás acciones bancarias suben, porque es con ellas con las que cotiza.\"\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Su razonamiento es que \"es un banco y se vende mucho más caro que casi todos los demás bancos\". Así que cuando el grupo es presionado a la baja, SoFi también lo es.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Esa es una apuesta sobre el sentimiento. El informe del martes es la oportunidad de SoFi para demostrar que sus ganancias se sostienen por sí solas.\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-analysts-haven-t-cut-their-numbers\" class=\"wp-block-heading\">Los analistas no han recortado sus números\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">A pesar de toda la venta, las estimaciones de Wall Street aún proyectan que el BPA normalizado de SoFi subirá desde $0.37 en 2025 hasta $0.59 en 2026, $0.82 en 2027 y $1.08 en 2028 (al 23 de octubre).\u003C\u002Fp>\n\n\n\n\u003Cfigure class=\"wp-block-image size-full\">\u003Cimg width=\"3024\" height=\"2016\" data-public-id=\"images\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028.png\" loading=\"lazy\" decoding=\"async\" src=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_3024,h_2016,c_scale\u002Ff_webp,q_auto\u002Fv1793011588\u002Fimages\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028.png?_i=AA\" alt=\"Gráfico de barras de TIKR del BPA normalizado de SoFi Technologies, real y estimaciones de consenso, $ por acción, ejercicio fiscal 2023–2028.\" class=\"wp-post-145464 wp-image-145461\" data-format=\"webp\" data-transformations=\"f_webp,q_auto\" data-version=\"1793011588\" data-seo=\"1\" srcset=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Ff_webp,q_auto\u002Fv1793011588\u002Fimages\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028.png?_i=AA 3024w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793011588\u002Fimages\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028.png?_i=AA 600w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1200,h_800,c_scale\u002Ff_webp,q_auto\u002Fv1793011588\u002Fimages\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028.png?_i=AA 1200w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1400,h_933,c_scale\u002Ff_webp,q_auto\u002Fv1793011588\u002Fimages\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028.png?_i=AA 1400w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_300,h_200,c_scale\u002Ff_webp,q_auto\u002Fv1793011588\u002Fimages\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028\u002F2026-10-26_ice234bfa9e_SOFI_eps_estimates_2023-2028.png?_i=AA 300w\" sizes=\"auto, (max-width: 3024px) 100vw, 3024px\" \u002F>\u003Cfigcaption class=\"wp-element-caption\">SoFi Technologies (SOFI): BPA normalizado, real y estimaciones de consenso, $ por acción, ejercicio fiscal 2023–2028 (\u003Cstrong>TIKR\u003C\u002Fstrong>)\u003C\u002Ffigcaption>\u003C\u002Ffigure>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Esos números apenas se han movido. La estimación para 2026 también era de $0.59 a finales de junio, y la de 2027 ha subido ligeramente desde $0.81. Ambas son más altas que en septiembre de 2025, en un 13% y un 12%, respectivamente.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">La cifra de 2026 también se alinea con las previsiones de la dirección de aproximadamente $0.60 en BPA ajustado.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Cstrong>TIKR hace seguimiento de 25 analistas sobre SoFi. ¿Cuántos dicen \"Comprar\"?\u003C\u002Fstrong>\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Consulta el desglose completo de las calificaciones de Compra, Mantener y Venta sobre SoFi, junto con las estimaciones de ingresos y ganancias de Wall Street, todo en un solo lugar. Más de 500.000 inversores utilizan TIKR para investigar acciones como esta. \u003Ca href=\"https:\u002F\u002Fwww.tikr.com\u002Fvaluation-model-builder?ref=tikrblog\">Ver las Calificaciones de los Analistas de SoFi\u003C\u002Fa>\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-the-premium-has-already-shrunk\" class=\"wp-block-heading\">La prima ya se ha reducido\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Así que la venta masiva ha venido por el múltiplo. Para una sociedad holding bancaria como SoFi, el múltiplo que importa es la relación precio\u002Fvalor contable tangible. Era de 2.0x el 23 de octubre, frente a un promedio de 3.0x en los últimos tres años y un máximo de 6.4x el 27 de octubre de 2025.\u003C\u002Fp>\n\n\n\n\u003Cfigure class=\"wp-block-image size-full\">\u003Cimg width=\"3024\" height=\"2016\" data-public-id=\"images\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y.png\" loading=\"lazy\" decoding=\"async\" src=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_3024,h_2016,c_scale\u002Ff_webp,q_auto\u002Fv1793011585\u002Fimages\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y.png?_i=AA\" alt=\"Gráfico de líneas de TIKR de la relación precio\u002Fvalor contable tangible de SoFi Technologies, últimos 3 años.\" class=\"wp-post-145464 wp-image-145462\" data-format=\"webp\" data-transformations=\"f_webp,q_auto\" data-version=\"1793011585\" data-seo=\"1\" srcset=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Ff_webp,q_auto\u002Fv1793011585\u002Fimages\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y.png?_i=AA 3024w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793011585\u002Fimages\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y.png?_i=AA 600w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1200,h_800,c_scale\u002Ff_webp,q_auto\u002Fv1793011585\u002Fimages\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y.png?_i=AA 1200w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1400,h_933,c_scale\u002Ff_webp,q_auto\u002Fv1793011585\u002Fimages\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y.png?_i=AA 1400w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_300,h_200,c_scale\u002Ff_webp,q_auto\u002Fv1793011585\u002Fimages\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y\u002F2026-10-26_ice234bfa9e_SOFI_ltm_p_tbv_3y.png?_i=AA 300w\" sizes=\"auto, (max-width: 3024px) 100vw, 3024px\" \u002F>\u003Cfigcaption class=\"wp-element-caption\">SoFi Technologies (SOFI): relación precio\u002Fvalor contable tangible, últimos 3 años (\u003Cstrong>TIKR\u003C\u002Fstrong>)\u003C\u002Ffigcaption>\u003C\u002Ffigure>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">(Todavía está por encima de su mínimo de 1.6x de agosto de 2024, así que este no es el precio más barato al que ha estado SoFi).\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-what-tuesday-has-to-show\" class=\"wp-block-heading\">Lo que el martes tiene que mostrar\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Primero, las previsiones de ganancias. La primera mitad entregó $0.24 en BPA ajustado. Eso deja unos $0.36 para la segunda mitad, o aproximadamente $0.18 por trimestre, después de $0.12 en cada uno de los dos primeros. Los analistas esperan alrededor de $0.17 para el tercer trimestre.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Si el trimestre se sitúa cerca de eso y las previsiones se mantienen, las estimaciones anteriores se sostienen, y la acción es más barata según sus propios números. Un trimestre más cercano a $0.12, o una previsión más baja, le daría al mercado una razón propia de SoFi para vender.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Segundo, las valoraciones de los préstamos. SoFi mantuvo $7.6 mil millones de sus $10.7 mil millones en préstamos personales del segundo trimestre en su propio balance, valorados a valor razonable, por lo que los movimientos de tipos fluyen directamente a las ganancias. La valoración de los préstamos personales bajó del 105.7% a finales de 2025 al 104.7% el 30 de junio, a medida que subían los tipos de referencia. Si la valoración se mantiene cerca de ese nivel, la cartera de préstamos se sostiene. Otra caída significaría que los tipos siguen erosionando las ganancias.\u003C\u002Fp>\n\n\n\n\n\n\u003Ch2 id=\"h-cramer-has-a-point-on-rates\" class=\"wp-block-heading\">Cramer tiene razón sobre los tipos\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Esa exposición a los tipos es por lo que la comparación con los bancos tiene algo de sentido. El plan de la dirección para 2026 pasó de asumir dos recortes de tipos en enero a uno o dos aumentos en julio, y todo el tiempo SoFi siguió añadiendo préstamos que pierden valor cuando suben los tipos.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">El crédito se está moviendo en la dirección correcta, al menos: la tasa de cancelación de préstamos personales cayó al 2.62% en el segundo trimestre desde el 3.03% en el primero. Pero un buen trimestre no garantiza una subida. Las acciones cayeron más del 13% tras el informe de abril y un 9% en la negociación inicial tras el de julio, a pesar de que SoFi superó sus propias previsiones de ingresos del segundo trimestre en un 8%.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Mi opinión: según los números de los analistas, el negocio de SoFi se mantiene, y la caída de la acción se debe a lo que los inversores están dispuestos a pagar por ella. Si el martes mantiene la previsión de $0.60 y la valoración de los préstamos cerca del 104.7%, SoFi tiene argumentos para cotizar según sus propias ganancias, independientemente de que los bancos se recuperen o no.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Por supuesto, la Reserva Federal decide sobre los tipos al día siguiente, el 28 de octubre, y un aumento pondría a prueba esas valoraciones de préstamos una vez más.\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-so-what-is-sofi-stock-actually-worth\" class=\"wp-block-heading\">Entonces, ¿cuánto vale realmente la acción de SoFi?\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">TIKR te permite pronosticar el precio futuro de cualquier acción en menos de un minuto. Solo introduce algunas suposiciones en el modelo de valoración de TIKR y mira cuánto podría valer SoFi. Comienza desde las estimaciones de consenso de Wall Street, o ajusta los insumos para reflejar tu propia visión del negocio. Es gratis usarlo.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Ca href=\"https:\u002F\u002Fwww.tikr.com\u002Fvaluation-model-builder?ref=tikrblog\">Valora SoFi gratis\u003C\u002Fa>\u003C\u002Fp>\n\n\n\n\u003Ch3 id=\"h-disclaimer\" class=\"wp-block-heading\">\u003Cstrong>Descargo de responsabilidad:\u003C\u002Fstrong>\u003C\u002Fh3>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Cem>Ten en cuenta que los artículos en TIKR no pretenden servir como consejo de inversión o financiero de TIKR o nuestro equipo de contenido, ni son recomendaciones para comprar o vender acciones. Creamos nuestro contenido basándonos en los datos de inversión de TIKR Terminal y las estimaciones de los analistas. Nuestro análisis podría no incluir noticias recientes de la empresa o actualizaciones importantes. TIKR no tiene posición en ninguna de las acciones mencionadas. ¡Gracias por leer y felices inversiones!\u003C\u002Fem>\u003C\u002Fp>",955,"es","\u002Fblog\u002Fsofi-is-down-45-and-cramer-ties-it-to-bank-stocks-heres-what-the-report-must-show","sofi-is-down-45-and-cramer-ties-it-to-bank-stocks-heres-what-the-report-must-show","images\u002FSNA-stock-SteveLuker-from-Getty-Images-Signature-via-Canva\u002FSNA-stock-SteveLuker-from-Getty-Images-Signature-via-Canva","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1792701308\u002Fimages\u002FSNA-stock-SteveLuker-from-Getty-Images-Signature-via-Canva\u002FSNA-stock-SteveLuker-from-Getty-Images-Signature-via-Canva.png?_i=AA",{"altText":164,"imageCredit":165},"SoFi Is Down 45%, and Cramer Ties It to Bank Stocks. Here’s What the Report Must Show","SteveLuker from Getty Images Signature via Canva",{"name":167,"slug":168,"role":169,"roleTitle":170,"biography":170,"avatar":170,"socialMediaLinks":171},"Roxanna Maglangit","roxtikr","author","",[],{"name":167,"slug":168,"role":173,"roleTitle":170,"biography":170,"avatar":170,"socialMediaLinks":174},"editor",[],[176],{"name":177,"slug":178,"uri":179,"description":170,"postsCount":180},"Inversión General","general-investing","\u002Fblog\u002Fcategory\u002Fgeneral-investing",0,[],{"title":164,"metaDesc":183,"opengraphDescription":183,"twitterTitle":164,"twitterDescription":183},"Tuesday is SoFi’s chance to prove its earnings are its own",{"title":185,"description":186,"twitterTitle":185,"twitterDescription":186,"author":167,"articlePublisher":187,"articlePublishedTime":154,"articleModifiedTime":154,"twitterLabel1":188,"twitterData1":189,"ogTitle":185,"ogDescription":186,"ogUrl":159,"ogImage":162,"ogImageWidth":190,"ogImageHeight":191,"ogImageSecureUrl":162,"ogImageAlt":164,"twitterImage":162},"SoFi Is Down 45%, and Cramer Ties It to Bank Stocks. Here’s What the Report Must Show","Tuesday is SoFi’s chance to prove its earnings are its own","TIKR.com","Tiempo de lectura estimado","7 minutes",1200,630,[193,208,223,238,253],{"id":180,"title":194,"date":195,"excerpt":196,"wordCount":197,"uri":198,"slug":199,"cloudinaryAssetId":200,"featuredImageOriginalUrl":201,"featuredImageMetadata":202,"author":203,"categories":205,"relatedPosts":207},"PayPal ha caído más del 80% desde su máximo. Esto es lo que muestra el 27 de octubre","2026-10-26 19:45:44","La barra está baja. Esa es la buena noticia.",981,"\u002Fblog\u002Fpaypal-is-down-more-than-80-from-its-peak-heres-what-october-27-has-to-show","paypal-is-down-more-than-80-from-its-peak-heres-what-october-27-has-to-show","images\u002Fpondering-man-card-payment\u002Fpondering-man-card-payment","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793012179\u002Fimages\u002Fpondering-man-card-payment\u002Fpondering-man-card-payment.png?_i=AA",{"altText":194},{"name":167,"slug":168,"role":169,"roleTitle":170,"biography":170,"avatar":170,"socialMediaLinks":204},[],[206],{"name":177,"slug":178,"uri":179,"description":170,"postsCount":180},[],{"id":180,"title":209,"date":210,"excerpt":211,"wordCount":212,"uri":213,"slug":214,"cloudinaryAssetId":215,"featuredImageOriginalUrl":216,"featuredImageMetadata":217,"author":218,"categories":220,"relatedPosts":222},"Trump Agregó Netflix Antes de los Resultados. $20 Mil Millones Dicen que Necesita \"Dos o Tres Grandes Éxitos\"","2026-10-26 19:43:00","La barra puede estar más baja de lo que parece",1010,"\u002Fblog\u002Ftrump-added-netflix-before-earnings-20-billion-says-it-needs-two-or-three-big-hits","trump-added-netflix-before-earnings-20-billion-says-it-needs-two-or-three-big-hits","images\u002FNetflix\u002FNetflix","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1792781809\u002Fimages\u002FNetflix\u002FNetflix.png?_i=AA",{"altText":209},{"name":167,"slug":168,"role":169,"roleTitle":170,"biography":170,"avatar":170,"socialMediaLinks":219},[],[221],{"name":177,"slug":178,"uri":179,"description":170,"postsCount":180},[],{"id":180,"title":224,"date":225,"excerpt":226,"wordCount":227,"uri":228,"slug":229,"cloudinaryAssetId":230,"featuredImageOriginalUrl":231,"featuredImageMetadata":232,"author":233,"categories":235,"relatedPosts":237},"Moderna se hunde otro 8% a pesar de que el investigador principal califica los datos de la vacuna contra el melanoma como \"transformadores\"","2026-10-26 19:28:09","Una verdadera victoria para los pacientes con melanoma, y aún una acción cara",774,"\u002Fblog\u002Fmoderna-sinks-another-8-even-as-lead-investigator-calls-melanoma-vaccine-data-transformational","moderna-sinks-another-8-even-as-lead-investigator-calls-melanoma-vaccine-data-transformational","images\u002Fgrim-older-man-falling-red-chart\u002Fgrim-older-man-falling-red-chart","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1792780116\u002Fimages\u002Fgrim-older-man-falling-red-chart\u002Fgrim-older-man-falling-red-chart.png?_i=AA",{"altText":224},{"name":167,"slug":168,"role":169,"roleTitle":170,"biography":170,"avatar":170,"socialMediaLinks":234},[],[236],{"name":177,"slug":178,"uri":179,"description":170,"postsCount":180},[],{"id":180,"title":239,"date":240,"excerpt":241,"wordCount":242,"uri":243,"slug":244,"cloudinaryAssetId":245,"featuredImageOriginalUrl":246,"featuredImageMetadata":247,"author":248,"categories":250,"relatedPosts":252},"Lumentum Gana un 3% mientras StoneX Inicia Cobertura con Recomendación de Compra y Objetivo de $1,200: \"Puntos Críticos de Escasez\"","2026-10-26 19:24:22","StoneX no se está arriesgando aquí",730,"\u002Fblog\u002Flumentum-gains-3-as-stonex-starts-at-buy-with-1200-target-critical-scarcity-points","lumentum-gains-3-as-stonex-starts-at-buy-with-1200-target-critical-scarcity-points","images\u002Fconfident-man-rising-green-chart\u002Fconfident-man-rising-green-chart","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1792770636\u002Fimages\u002Fconfident-man-rising-green-chart\u002Fconfident-man-rising-green-chart.png?_i=AA",{"altText":239},{"name":167,"slug":168,"role":169,"roleTitle":170,"biography":170,"avatar":170,"socialMediaLinks":249},[],[251],{"name":177,"slug":178,"uri":179,"description":170,"postsCount":180},[],{"id":180,"title":254,"date":255,"excerpt":256,"wordCount":257,"uri":258,"slug":259,"cloudinaryAssetId":260,"featuredImageOriginalUrl":261,"featuredImageMetadata":262,"author":263,"categories":267,"relatedPosts":269},"Circle Cae un 7% mientras Mizuho Advierte de un \"Riesgo Marcado\" por los Agentes de IA y Reduce su Precio Objetivo a $43","2026-10-26 19:07:47","Mizuho preguntó a los agentes de IA dónde mantener efectivo, y no eligieron USDC.",701,"\u002Fblog\u002Fcircle-sinks-7-as-mizuho-warns-of-marked-risk-from-ai-agents-cuts-target-to-43","circle-sinks-7-as-mizuho-warns-of-marked-risk-from-ai-agents-cuts-target-to-43","images\u002F5-9_118780a9ab7\u002F5-9_118780a9ab7","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1784630659\u002Fimages\u002F5-9_118780a9ab7\u002F5-9_118780a9ab7.png?_i=AA",{"altText":254},{"name":264,"slug":265,"role":169,"roleTitle":170,"biography":170,"avatar":170,"socialMediaLinks":266},"Gian Estrada","giantikr",[],[268],{"name":177,"slug":178,"uri":179,"description":170,"postsCount":180},[],[271,291,306,320],{"id":180,"title":272,"date":273,"excerpt":274,"wordCount":275,"uri":276,"slug":277,"cloudinaryAssetId":278,"featuredImageOriginalUrl":279,"featuredImageMetadata":280,"author":281,"categories":285,"relatedPosts":290},"Subió un 13% en los últimos 12 meses, ¿puede la acción de Arista Networks ofrecer mejores rendimientos en 2026?","2026-10-26 12:57:00","Las acciones de Arista han subido un 10% en un año. Vea lo que el Modelo de Valoración de TIKR dice sobre el potencial alcista de ANET, con un precio objetivo de $275 para diciembre de 2028.",1099,"\u002Fblog\u002Farista-networks-stock-valuation-anet-2026","arista-networks-stock-valuation-anet-2026","images\u002FANET-stock-@Jirsak-from-Getty-Images-Pro-via-Canva-@Africa-images-via-Canva\u002FANET-stock-@Jirsak-from-Getty-Images-Pro-via-Canva-@Africa-images-via-Canva","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793010558\u002Fimages\u002FANET-stock-@Jirsak-from-Getty-Images-Pro-via-Canva-@Africa-images-via-Canva\u002FANET-stock-@Jirsak-from-Getty-Images-Pro-via-Canva-@Africa-images-via-Canva.png?_i=AA",{"altText":272},{"name":282,"slug":283,"role":169,"roleTitle":170,"biography":170,"avatar":170,"socialMediaLinks":284},"Aditya Raghunath","adityatikr",[],[286],{"name":287,"slug":288,"uri":289,"description":170,"postsCount":180},"Valoración","valuation","\u002Fblog\u002Fcategory\u002Fvaluation",[],{"id":180,"title":292,"date":293,"excerpt":294,"wordCount":295,"uri":296,"slug":297,"cloudinaryAssetId":298,"featuredImageOriginalUrl":299,"featuredImageMetadata":300,"author":301,"categories":303,"relatedPosts":305},"Con una caída del 48% en los últimos 12 meses, ¿puede la acción de SoFi ofrecer mejores resultados en 2026?","2026-10-26 12:45:00","La acción de SoFi ha caído un 51% en un año. Descubre lo que el Modelo de Valoración de TIKR dice sobre el potencial alcista de SOFI, con un precio objetivo de $22 para diciembre de 2028.",1081,"\u002Fblog\u002Fsofi-stock-valuation-sofi-2026","sofi-stock-valuation-sofi-2026","images\u002FSOFI-stock-@AKKI-from-AKKI-JOHN-via-Canva-@MCCAIG-from-Getty-Images-Signature-via-Canva\u002FSOFI-stock-@AKKI-from-AKKI-JOHN-via-Canva-@MCCAIG-from-Getty-Images-Signature-via-Canva","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793015325\u002Fimages\u002FSOFI-stock-@AKKI-from-AKKI-JOHN-via-Canva-@MCCAIG-from-Getty-Images-Signature-via-Canva\u002FSOFI-stock-@AKKI-from-AKKI-JOHN-via-Canva-@MCCAIG-from-Getty-Images-Signature-via-Canva.png?_i=AA",{"altText":292},{"name":282,"slug":283,"role":169,"roleTitle":170,"biography":170,"avatar":170,"socialMediaLinks":302},[],[304],{"name":287,"slug":288,"uri":289,"description":170,"postsCount":180},[],{"id":180,"title":307,"date":293,"excerpt":308,"wordCount":309,"uri":310,"slug":311,"cloudinaryAssetId":312,"featuredImageOriginalUrl":313,"featuredImageMetadata":314,"author":315,"categories":317,"relatedPosts":319},"Con un aumento de solo el 9% en los últimos 12 meses, ¿puede la acción de Palantir ofrecer mejores rendimientos en 2026?","La acción de Palantir solo ha subido un 4% en un año. Mira lo que dice el Modelo de Valoración de TIKR sobre el potencial alcista de PLTR, con un objetivo de $529 para diciembre de 2028.",1024,"\u002Fblog\u002Fpalantir-stock-valuation-pltr-2026","palantir-stock-valuation-pltr-2026","images\u002FPLTR-stock-@surachet_shotivaranon-from-surachetshs-Images-via-Canva-@SORAPOP-UDOMSRI-from-Sorapop-Udomsri-via-Canva_1454044a26c\u002FPLTR-stock-@surachet_shotivaranon-from-surachetshs-Images-via-Canva-@SORAPOP-UDOMSRI-from-Sorapop-Udomsri-via-Canva_1454044a26c","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793003212\u002Fimages\u002FPLTR-stock-@surachet_shotivaranon-from-surachetshs-Images-via-Canva-@SORAPOP-UDOMSRI-from-Sorapop-Udomsri-via-Canva_1454044a26c\u002FPLTR-stock-@surachet_shotivaranon-from-surachetshs-Images-via-Canva-@SORAPOP-UDOMSRI-from-Sorapop-Udomsri-via-Canva_1454044a26c.png?_i=AA",{"altText":307},{"name":282,"slug":283,"role":169,"roleTitle":170,"biography":170,"avatar":170,"socialMediaLinks":316},[],[318],{"name":287,"slug":288,"uri":289,"description":170,"postsCount":180},[],{"id":180,"title":321,"date":322,"excerpt":323,"wordCount":324,"uri":325,"slug":326,"cloudinaryAssetId":327,"featuredImageOriginalUrl":328,"featuredImageMetadata":329,"author":330,"categories":332,"relatedPosts":334},"Con una caída del 56% en los últimos 12 meses, ¿puede la acción de AppLovin ofrecer mejores rendimientos en 2026?","2026-10-26 12:33:00","La acción de AppLovin ha caído un 60% en un año. Descubre lo que el Modelo de Valoración de TIKR dice sobre el potencial alcista de APP, con un precio objetivo de $366 para diciembre de 2028.",1139,"\u002Fblog\u002Fapplovin-stock-valuation-app-2026","applovin-stock-valuation-app-2026","images\u002FAPP-stock-@juststock-from-Getty-Images-via-Canva-@maxkabakov-from-Getty-Images-via-Canva_14548356cd2\u002FAPP-stock-@juststock-from-Getty-Images-via-Canva-@maxkabakov-from-Getty-Images-via-Canva_14548356cd2","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793013215\u002Fimages\u002FAPP-stock-@juststock-from-Getty-Images-via-Canva-@maxkabakov-from-Getty-Images-via-Canva_14548356cd2\u002FAPP-stock-@juststock-from-Getty-Images-via-Canva-@maxkabakov-from-Getty-Images-via-Canva_14548356cd2.png?_i=AA",{"altText":321},{"name":282,"slug":283,"role":169,"roleTitle":170,"biography":170,"avatar":170,"socialMediaLinks":331},[],[333],{"name":287,"slug":288,"uri":289,"description":170,"postsCount":180},[]]