[{"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-ZH":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股价下跌45%，克拉默将其与银行股挂钩。以下是财报必须展示的内容","2026-10-26T19:49:10","\u003Cp>周二将是SoFi证明其盈利能力的时刻\u003C\u002Fp>","\u003Ch2 id=\"h-key-takeaways\" class=\"wp-block-heading\">核心要点\u003C\u002Fh2>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>SoFi将于10月27日盘前公布第三季度业绩，此前一周Jim Cramer表示，在其股价下跌45%后，除非银行股上涨，否则其股价不会反转。\u003C\u002Fli>\n\n\n\n\u003Cli>尽管股价下跌，分析师对每股收益（EPS）的预估保持不变，而SoFi的市价\u002F有形账面价值已跌至2.0倍，低于其3.0倍的三年平均水平。\u003C\u002Fli>\n\n\n\n\u003Cli>本次财报需要支撑管理层对2026年调整后每股收益约0.60美元的指引，这意味着下半年每季度需贡献约0.18美元，而前两个季度每季度仅为0.12美元。\u003C\u002Fli>\n\n\n\n\u003Cli>利率上升是主要风险，因为它们会降低SoFi自身账面上持有的个人贷款的价值。\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>将于10月27日（周二）盘前公布其第三季度业绩。Jim Cramer预计，在银行股反弹之前，该股不会有太大起色。\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">在10月19日的\u003Ca href=\"https:\u002F\u002Fpodcasts.apple.com\u002Fus\u002Fpodcast\u002Fmad-money-w-jim-cramer-10-19-26\u002Fid147247199?i=1000797167407\">《Mad Money》\u003C\u002Fa>节目中，一位来电者询问在SoFi股价下跌后是否应增持。Cramer的回答是？\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">“它下跌了45%。在我们看到其他银行股上涨之前，它不会上涨，因为它现在是与银行股板块联动的。”\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">他的理由是“它是一家银行，而且其估值远高于几乎所有其他银行股。”因此，当整个板块被抛售时，SoFi也会跟着下跌。\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">这是对市场情绪的判断。周二的财报是SoFi展示其盈利独立性的机会。\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-analysts-haven-t-cut-their-numbers\" class=\"wp-block-heading\">分析师并未下调预估\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">尽管遭遇抛售，华尔街的预估仍显示SoFi的标准化每股收益将从2025年的0.37美元攀升至2026年的0.59美元、2027年的0.82美元和2028年的1.08美元（截至10月23日数据）。\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=\"Bar chart from TIKR of SoFi Technologies' normalized EPS, actual and consensus estimates, $ per share, 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): 标准化每股收益，实际值与共识预估，每股美元，2023–2028财年 (\u003Cstrong>TIKR\u003C\u002Fstrong>)\u003C\u002Ffigcaption>\u003C\u002Ffigure>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">这些数字几乎没有变动。2026年的预估在6月底也是0.59美元，而2027年的预估从0.81美元微幅上调。两者均高于2025年9月的水平，分别高出13%和12%。\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">2026年的数字也与管理层对调整后每股收益约0.60美元的指引相符。\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Cstrong>TIKR追踪了25位分析师对SoFi的看法。有多少人给出“买入”评级？\u003C\u002Fstrong>\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">在一个地方查看SoFi的买入、持有和卖出评级的完整细分，以及华尔街的收入和盈利预估。超过50万投资者使用TIKR来研究像这样的股票。\u003Ca href=\"https:\u002F\u002Fwww.tikr.com\u002Fvaluation-model-builder?ref=tikrblog\">查看SoFi的分析师评级\u003C\u002Fa>\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-the-premium-has-already-shrunk\" class=\"wp-block-heading\">估值溢价已经收缩\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">因此，抛售源于估值倍数的收缩。对于像SoFi这样的银行控股公司，关键的估值倍数是市价\u002F有形账面价值。截至10月23日，该比率为2.0倍，而过去三年的平均值为3.0倍，峰值出现在2025年10月27日，为6.4倍。\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=\"Line chart from TIKR of SoFi Technologies' price\u002Ftangible book value, last 3 years.\" 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): 市价\u002F有形账面价值，过去3年 (\u003Cstrong>TIKR\u003C\u002Fstrong>)\u003C\u002Ffigcaption>\u003C\u002Ffigure>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">（它仍高于2024年8月1.6倍的低点，所以这并非SoFi最便宜的时期。）\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-what-tuesday-has-to-show\" class=\"wp-block-heading\">周二财报需要展示的内容\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">首先，盈利指引。上半年调整后每股收益为0.24美元。这意味着下半年需贡献约0.36美元，即每季度约0.18美元，而前两个季度每季度仅为0.12美元。分析师预计第三季度约为0.17美元。\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">如果季度业绩接近该水平且指引保持不变，则上述预估成立，该股基于其自身数据变得更便宜。如果季度业绩更接近0.12美元，或指引下调，市场将有基于SoFi自身原因而抛售的理由。\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">其次，贷款估值。SoFi将其第二季度107亿美元个人贷款中的76亿美元保留在自身账面上，按公允价值计量，因此利率变动直接影响盈利。随着基准利率上升，个人贷款估值从2025年底的105.7%下滑至6月30日的104.7%。如果估值维持在该水平附近，则贷款组合表现稳定。进一步下滑则意味着利率仍在侵蚀盈利。\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-cramer-has-a-point-on-rates\" class=\"wp-block-heading\">Cramer在利率问题上说得有道理\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">这种利率敞口是银行类比有一定道理的原因。管理层2026年的计划从1月份假设两次降息，到7月份变为一次或两次加息，而在此期间SoFi一直在增加利率上升时会贬值的贷款。\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">至少，信贷状况正在向好的方向发展：个人贷款核销率从第一季度的3.03%降至第二季度的2.62%。但一个良好的季度并不能保证股价上涨。在4月份财报公布后，股价下跌超过13%；7月份财报公布后，尽管SoFi第二季度收入指引超出8%，但盘初交易中仍下跌了9%。\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">我的看法是：根据分析师的数字，SoFi的业务表现稳定，股价下跌关乎投资者愿意为其支付的价格。如果周二财报维持0.60美元的指引，且贷款估值维持在104.7%附近，那么无论银行股是否反弹，SoFi都有理由基于其自身盈利进行交易。\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">当然，美联储将于次日（10月28日）决定利率政策，加息将再次考验这些贷款估值。\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-so-what-is-sofi-stock-actually-worth\" class=\"wp-block-heading\">那么SoFi股票的实际价值是多少？\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">TIKR让你在一分钟内预测任何股票的未来价格。只需在TIKR的估值模型中输入几个假设，就能看到SoFi可能的价值。可以从华尔街共识预估开始，或者调整输入参数以反映你对业务的看法。免费使用。\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Ca href=\"https:\u002F\u002Fwww.tikr.com\u002Fvaluation-model-builder?ref=tikrblog\">免费为SoFi估值\u003C\u002Fa>\u003C\u002Fp>\n\n\n\n\u003Ch3 id=\"h-disclaimer\" class=\"wp-block-heading\">\u003Cstrong>免责声明：\u003C\u002Fstrong>\u003C\u002Fh3>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Cem>请注意，TIKR上的文章并非TIKR或其内容团队提供的投资或财务建议，也不是买卖任何股票的建议。我们的内容基于TIKR Terminal的投资数据和分析师预估。我们的分析可能未包含近期的公司新闻或重要更新。TIKR未持有任何提及股票的头寸。感谢阅读，祝您投资愉快！\u003C\u002Fem>\u003C\u002Fp>",955,"zh","\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},"一般投资","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","预计阅读时间","1 minute",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股价较峰值下跌逾80%。10月27日财报将揭示什么","2026-10-26 19:45:44","门槛很低。这是个好消息。",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},"特朗普在财报前增持奈飞。200亿美元押注其需要\"两到三部爆款\"","2026-10-26 19:43:00","门槛可能比看起来要低",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股价再跌8%，尽管首席研究员称黑色素瘤疫苗数据\"具有变革性\"","2026-10-26 19:28:09","黑色素瘤患者的真正福音，股价依然高企",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上涨3%，StoneX给予买入评级，目标价1200美元：关键稀缺点","2026-10-26 19:24:22","StoneX 并非在冒险行事",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股价下跌7%，因瑞穗警告AI代理带来\"显著风险\"，目标价下调至43美元","2026-10-26 19:07:47","Mizuho询问AI代理应如何配置现金，它们并未选择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},"过去12个月上涨13%，Arista Networks股票能否在2026年带来更佳回报？","2026-10-26 12:57:00","Arista股票一年内上涨了10%。查看TIKR估值模型对ANET上行空间的预测，其目标价预计在2028年12月前达到275美元。",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},"估价","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},"过去12个月下跌48%，SoFi股票能否在2026年交出更好的成绩单？","2026-10-26 12:45:00","SoFi股价一年内下跌了51%。来看看TIKR估值模型对SOFI上行空间的看法，其目标价为到2028年12月达到22美元。",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},"过去12个月仅上涨9%，Palantir股票能否在2026年带来更好的回报？","Palantir股价一年来仅上涨4%。查看TIKR估值模型对PLTR上行空间的预测，其目标价至2028年12月将达到529美元。",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},"过去12个月下跌56%，AppLovin股票能否在2026年带来更好回报？","2026-10-26 12:33:00","AppLovin股价在过去一年下跌了60%。来看看TIKR估值模型对APP上行潜力的分析，其给出的目标价为到2028年12月达到366美元。",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},[]]