$SoFi Technologies (SOFI.US)$
SoFi, the company that once struggled in the fintech industry, recently ushered in its 'turnaround year'. In the third quarter of 2024, SoFi achieved profitability for the first time, with a net income of 61 million USD, far exceeding the 0.277 billion USD loss in the same period last year. This change marks the company's transition from a heavily burdened startup to a track of profitability and stable growth. Its total revenue reached 0.697 billion USD, a 30% increase from last year. This growth is not just a number, it indicates that SoFi is reaping the fruits of many years of technological innovation and market layout. The company's financial services and technology platform business also achieved over 50% growth, indicating that its ecosystem is becoming more mature, capable of offering more financial products and services than ever before. However, SoFi's profitability is not accidental. In addition to its own technological innovation and optimized cost structure, the policy changes in the financial industry during Trump's second term also provided greater opportunities for SoFi. The Trump administration relaxed regulations, supported the development of fintech, and created a favorable policy environment for innovative enterprises like SoFi. In this macro environment, SoFi has attracted an increasing number of users through its comprehensive financial platform, especially millennials and Gen Z, who prefer to manage and invest their wealth digitally. In the third quarter of this year, SoFi's memberships reached 9.4 million, a 35% increase compared to last year. This growth is closely related to its product innovation, especially zero-commission investment trades, high-yield savings accounts, and convenient personal loan services, which have become important factors in expanding its user base. Faced with fluctuations in the US economy, more and more consumers are choosing digital platforms like SoFi to manage their finances instead of relying on traditional banks. The stock market has responded positively to SoFi's performance. After the financial report was released, SoFi's stock price jumped to $15.60, with a year-to-date increase of nearly 150%. Investors are confident in its future growth potential, with some analysts even raising the target price to $16. All of these demonstrate the market's high recognition of SoFi's profitability and growth prospects. With the improvement in profitability, SoFi has raised its expectations for full-year performance, expecting adjusted revenue to be between 2.535 billion and 2.55 billion USD, exceeding previous forecasts. This optimistic outlook is not only due to SoFi's steady development, but also reflects its precise grasp of future financial market opportunities. Overall, SoFi's transformation provides a valuable example for the fintech industry. From loss to profit, from innovation to expansion, it not only proves the viability of its business model, but also demonstrates how digital financial platforms can establish a presence in rapidly changing markets. With the support of the Trump administration's policies, SoFi is poised to continue leading the fintech field and become an important player in the industry.

$Palantir (PLTR.US)$
Shortly after joining the S&P 500, Palantir performed well in the third quarter earnings report, much to the surprise of investors, and its stock price soared 20%. CEO Alex Karp attributed this success to the company's demand for artificial intelligence “AI” products, which bodes well not only for Palantir, but for the AI industry as a whole. The company demonstrated the value of AI in the real world, which justifies the large capital investment in “AI.” Strong performance in the third quarter surpassed Wall Street expectations. The company's third-quarter revenue reached 0.725 billion US dollars, easily exceeding analysts' estimates of $0.703 billion, an increase of more than 27% over the previous year. Revenue has been growing steadily, but this time the 27% increase is the biggest since mid-2022. What is truly amazing is Palantir's ability to increase efficiency. Its profit margin increased nearly 20% month-on-month and 275% year-over-year. This meant that earnings per share (EPS) also increased significantly, up 80% year over year. Earnings per share is one of the most important metrics for investors. Palantir's commercial segment is growing rapidly, and while government contracts remain central to Palantir's success, US commercial customers have injected strong impetus into its growth. Its commercial segment revenue increased 54% year over year, and the company...

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$Meta Platforms (META.US)$
Although Meta has shown amazing growth in the company this year, its stock price remains within a reasonable valuation range. The recovery of digital advertising over the past year helped Meta's second-quarter revenue grow by 22% year-on-year, the second highest growth rate in the “Magnificent Seven”. Meta is proving it can successfully enhance its advertising business through artificial intelligence (AI), purchasing a large number of Nvidia GPUs to support its AI infrastructure. The company also launched the Llama series of large language models in February 2023, since then has been making significant progress. Compared to last year, Meta's revenue doubled, and it continues to invest in new AI features, such as its Meta AI on social media platforms, while strictly controlling operating costs. This precise cost management helped its earnings per share grow by 73% year-on-year in the second quarter. Meta's AI enhancements to the Advantage+ advertising tool have improved ad delivery efficiency, helping advertising clients achieve better advertising roi. The company claims these new tools have brought U.S. advertisers a 22% higher return on ad spend, which also explains why Meta's revenue growth is so strong. In this AI era, Meta will obviously benefit greatly. The company generated $49 billion in free cash flow in the past year, making it a leader...

$SoFi Technologies (SOFI.US)$
SoFi Technologies is gradually becoming one of the most anticipated companies in the fintech sector, providing many services and products that are hard to match with traditional banks. Although its stock is down about 10% this year, I believe this is mainly due to investors being overly concerned about short-term challenges, particularly the impact of the current high interest rate environment, which is beginning to gradually change. I'll explain the reasons that support my optimism about SOFI stock from a few key perspectives, especially at the current share price level. First, the highlight of SoFi's investment is its significant revenue growth. In its latest second-quarter results released on July 30, SoFi achieved a 22% year-on-year adjusted net revenue increase to a record $0.597 billion. Furthermore, revenue from its financial services and technology platforms increased 46% year over year and now accounts for 45% of total adjusted net revenue, a significant increase from 38% in the same period last year. This gradual shift in revenue streams from loans to diversification of financial services and technology platforms has not only increased SoFi's growth potential, but also reduced its reliance on a single source of revenue, making the company more resilient to risk. Second, SoFi has found a niche in financial services, focusing on serving high-income young people that traditional banks often overlook. Unlike most big banks that only offer limited specialized services, SoFi offers everything from student loans to...