Forget SOFI Stock! THIS Is the Best Fintech to Buy Now.
Forget SOFI Stock! THIS Is the Best Fintech to Buy Now.
Getting a banking charter put SoFi in the headlines, but at the end of the day, the bottom line is the bottom line. If PayPal delivers profits while SoFi falls short, then picking the better fintech stock should be a no-brainer.InvestorPlace - Stock Market News, Stock Advice & Trading Tips
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Some fans of neo-banking firm SoFi Technologies (NASDAQ:SOFI) might evangelize for the company, but is it the best fintech business to invest in? When we compare SoFi to rival fintech company PayPal (NASDAQ:PYPL), the results might surprise you. In the end, the data points will undoubtedly convince you to choose PYPL stock instead of SOFI stock.
新银行公司SoFi Technologies（纳斯达克股票代码：SOFI）的一些粉丝可能会为该公司传福音，但这是最值得投资的金融科技业务吗？当我们将SoFi与竞争对手的金融科技公司PayPal（纳斯达克股票代码：PYPL）进行比较时，结果可能会让你感到惊讶。最后，这些数据点无疑会说服你选择PYPL股票而不是SOFI股票。
Sure, SoFi is known to be a financial-market disruptor. That's perfectly fine. Also, you might be impressed that SoFi Technologies managed to secure a banking charter.
当然，众所周知，SoFi是金融市场的颠覆者。这完全没问题。此外，SoFi Technologies设法获得银行章程可能会给你留下深刻的印象。
Getting a banking charter put SoFi in the headlines, but at the end of the day, the bottom line is the bottom line. If PayPal delivers profits while SoFi falls short, then picking the better fintech stock should be a no-brainer.
获得银行章程使SoFi成为头条新闻，但归根结底，底线是底线。如果PayPal在SoFi表现不佳的情况下实现利润，那么选择更好的金融科技股票应该是不费吹灰之力的。
What's Happening With SOFI Stock and PYPL Stock?
SOFI 股票和 PYPL 股票怎么了？
Investors of SoFi Technologies and PayPal are in the red this year so far. In particular, SOFI stock has declined from roughly $15 to $7, while PYPL stock slumped from about $195 to $100. In other words, both stocks have practically been cut in half.
今年到目前为止，SoFi Technologies和PayPal的投资者处于亏损状态。特别是，SOFI的股票已从大约15美元跌至7美元，而PYPL的股票从约195美元跌至100美元。换句话说，这两只股票实际上都被削减了一半。
Yet, a low price doesn't always mean there's a good value. PayPal has a trailing-12-month price-to-earnings (P/E) ratio of 53.5. It's not a rock-bottom valuation, but at least PayPal has a P/E ratio. SoFi Technologies doesn't have one, which makes it more difficult to properly value the company.
但是，低价格并不总是意味着物有所值。PayPal过去12个月的市盈率（P/E）为53.5。这不是最低的估值，但至少PayPal的市盈率是最低的。SoFi Technologies没有，这使得正确估值公司变得更加困难。
Indeed, SoFi's $95.8 million net earnings loss in 2022's second quarter should be disconcerting to value-minded investors. Also problematic is SoFi's Q2 2022 student loan volume, which the company admits "was down to 25% of the average pre-pandemic volume." This suggests that SoFi Technologies relies too much on its personal-loan business while the company's student-loan segment is faltering.
事实上，SoFi在2022年第二季度的净收益亏损9,580万美元应该会让具有价值观的投资者感到不安。同样存在问题的是SoFi的2022年第二季度的学生贷款量，该公司承认 “已降至疫情前平均额的25％”。这表明SoFi Technologies过于依赖其个人贷款业务，而该公司的学生贷款领域却步履蹒跚。
On top of all that, Softbank (OTCMKTS:SFTBY) announced its plans to sell some or all of its 9% stake in SoFi Technologies. That's certainly not a positive sign.
最重要的是，软银（OTCMKTS: SFTBY）宣布计划出售其在SoFi Technologies9％的部分或全部股份。这当然不是一个积极的信号。
PayPal Offers a Superior Financial Profile
PayPal 提供卓越的财务状况
While Softbank is divesting its SoFi shares, Elliott Investment Management has been busy building up a stake in PayPal. So far, we know that Elliott's stake is worth $2 billion — a confident position, to say the least.
在软银剥离其SoFi股票的同时，埃利奥特投资管理公司一直在忙于增持PayPal的股份。到目前为止，我们知道埃利奥特的股份价值20亿美元——至少可以说，这是一个自信的立场。
Ultimately, however, it's the bottom-line results that should pique the interest of value-minded investors. SoFi Technologies fell short, but will PayPal make the grade?
但是，归根结底，应该是底线业绩激起具有价值观的投资者的兴趣。SoFi Technologies 表现不佳，但是 PayPal 能取得这个成绩吗？
The answer is yes, as PayPal reported non-GAAP-measured earnings of 93 cents per share in 2022's second quarter. This result beat the analyst consensus estimate by 9.4%.
答案是肯定的，因为PayPal报告称，2022年第二季度按非公认会计准则衡量的每股收益为93美分。这一结果比分析师的共识估计高出9.4％。
The future also looks to be profitable for PayPal, as the company guided for third-quarter 2022 non-GAAP earnings in the range of 94 cents to 96 cents per share.
PayPal的未来也有望盈利，该公司预计2022年第三季度非公认会计准则每股收益在94美分至96美分之间。
What You Can Do Now
你现在能做什么
Investing in forward-looking fintech firms is a good idea, as long as you pick the right companies. The idea is to be selective and always check the bottom-line stats before jumping into the trade.
投资具有前瞻性的金融科技公司是个好主意，只要你选择正确的公司。这个想法是要有选择性，在进入交易之前一定要检查底线统计数据。
It's fine that SoFi Technologies has a banking charter, but the company seems to be having problems with its student-loan business. Furthermore, there's evidence that PayPal turned a profit while SoFi didn't. Therefore, finicky fintech investors should look to PYPL stock instead of SOFI stock for powerful upside potential.
SoFi Technologies有银行章程没关系，但该公司的学生贷款业务似乎遇到了问题。此外，有证据表明PayPal实现了盈利，而SoFi却没有。因此，挑剔的金融科技投资者应该将目光投向PYPL股票而不是SOFI股票，以获得强大的上行潜力。
On the date of publication, David Moadel did not have (either directly or indirectly) any positions in the securities mentioned in this article. The opinions expressed in this article are those of the writer, subject to the InvestorPlace.com Publishing Guidelines.
在出版之日，大卫·莫阿德尔没有（直接或间接）持有本文所述证券的任何头寸。本文中表达的观点是作者的观点，受 InvestorPlace.com 约束出版指南。
David Moadel has provided compelling content – and crossed the occasional line – on behalf of Motley Fool, Crush the Street, Market Realist, TalkMarkets, TipRanks, Benzinga, and (of course) InvestorPlace.com. He also serves as the chief analyst and market researcher for Portfolio Wealth Global and hosts the popular financial YouTube channel Looking at the Markets.
大卫·莫阿德尔代表 Motley Fool、Crush the Street、Market Realist、TalkMarkets、TipRanks、Benzinga 以及（当然）InvestorPlace.com 提供了引人入胜的内容，偶尔还会越过界限。他还担任Portfolio Wealth Global的首席分析师和市场研究员，并主持了受欢迎的YouTube财经频道《看市场》。
The post Forget SOFI Stock! THIS Is the Best Fintech to Buy Now. appeared first on InvestorPlace.
帖子忘记 SOFI 股票！这是现在最值得购买的金融科技。首次出现在InvestorPlace上。
