Buy, Sell, or Hold SoFi Stock After Apple’s Announcement?
Buy, Sell, or Hold SoFi Stock After Apple’s Announcement?
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When markets staged a late-month rally in May, SoFi Technologies (NASDAQ:SOFI) joined it. SoFi stock stalled at the 50-day moving average. This is a technical resistance where selling pressure ended the attempted breakout. Apple's (NASDAQ:AAPL) aggressive promotion of Apple Pay last week spooked SoFi investors. The technology giant already offers convenient monthly payment options. Apple will not only charge zero interest, but it will also forgive customers who do not pay back. Furthermore, the credit rating for those customers will not fall because Apple will not report the non-payment.
當市場在5月份上演月末反彈時，索菲科技(納斯達克：SO菲)也加入了它。索菲股價在50日移動均線處停滯不前。這是一道技術阻力位，賣壓結束了試圖突破的局面。蘋果的(納斯達克：AAPL)上週，蘋果支付(Apple Pay)的積極推廣嚇到了SoFi投資者。這家科技巨頭已經提供了方便的月付選擇。蘋果不僅會收取零利率，還會原諒不還款的客户。此外，這些客户的信用評級不會下降，因為蘋果不會報告不付款。
Apple's ambitions to increase adoption of Apple Pay casts doubt on SoFi, a fintech.
蘋果增加Apple Pay普及率的雄心讓人對金融科技的SoFi產生了懷疑。
Fintech Sell-Off Drags SoFi Stock Lower
金融科技拋售拖累SoFi股價走低
Apple's BNPL announcement shocked investors exposed to credit services and fintech. Last week, PayPal (NASDAQ:PYPL), Block (NYSE:SQ), Affirm Holdings (NASDAQ:AFRM) and Upstart Holdings (NASDAQ:UPST) fell along with SoFi. Markets are adjusting for the substantial competitive risks ahead.
蘋果的BNPL聲明震驚了接觸信貸服務的投資者和金融科技。上週,貝寶(納斯達克：PYPL)，塊(紐約證券交易所：平方), 確認控股(納斯達克：afrm)和Upstart控股(納斯達克：UPST)與SoFi一起下跌。市場正在調整，以應對未來巨大的競爭風險。
Credit balances financially stretched consumers. They have too much debt. They will need time to pay back the amount owed. BNPL will become a growing market. Before Apple announced the offering, markets thought that fintech would have an edge in the market. They bid shares of Affirm for over $176 late last year. PayPal stock traded as high as $310.16 in the last year before markets. Soon, investors realized faced a sharp slowdown in the electronic payment supplier's core business.
信貸平衡了經濟拮据的消費者。他們的債務太多了。他們需要時間來償還所欠的金額。BNPL將成為一個不斷增長的市場。在蘋果宣佈上市之前，市場認為金融科技將在市場上佔據優勢。去年年底，他們以超過176美元的價格競購了consim的股票。在上市前的最後一年，貝寶的股價曾高達310.16美元。很快，投資者意識到這家電子支付供應商的核心業務急劇放緩。
SoFi Has No Moat
索菲沒有護城河
The bears are betting big against SoFi. The short float is 18% as negative investors believe SoFi's business lacks a moat. To outflank established financial institutions like Wells Fargo (NYSE:WFC) or Bank of America (NYSE:BAC), SoFi needs above-average customer growth. As market conditions tighten, it will have higher marketing costs. For example, it must offer higher incentives and offer little to no service fees.
看空索菲的人下了很大的賭注。由於負面投資者認為SoFi的業務缺乏護城河，此次空頭流通率為18%。要包抄像這樣的老牌金融機構富國銀行(紐約證券交易所代碼：WFC)或美國銀行(紐約證券交易所：BAC)，SoFi需要高於平均水平的客户增長。隨着市場狀況趨緊，它的營銷成本將會更高。例如，它必須提供更高的激勵措施，幾乎不提供服務費。
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SoFi's aggressive incentives will likely attract customers who are struggling financially. Conversely, banks have an established infrastructure to service new and existing customers. For example, they have staff to provide customer support in the branch or over the phone.
SOFI的積極激勵措施可能會吸引那些財務困難的客户。相反，銀行擁有成熟的基礎設施，為新老客户提供服務。例如，他們有員工在分支機構或通過電話提供客户支持。
SoFi is among the many fintech firms with limited customer support services. Customers who need to talk to a service representative must do so online or through email. The response could take days.
索菲是眾多金融科技律師事務所中客户支持服務有限的公司之一。需要與服務代表交談的客户必須在線或通過電子郵件進行。迴應可能需要幾天時間。
Reduce SoFi From Here
從這裏減少SoFi
Apple disrupted the fintech market with BNPL. It is willing to forgive customers who do not pay back, albeit only once. Still, customers enjoy that comfort in exchange for using Apple Pay.
蘋果用bnpl顛覆了金融科技的市場。它願意原諒不還款的客户，儘管只有一次。儘管如此，使用Apple Pay的消費者仍能享受這種舒適。
Once attached to Apple Pay, customers have one less reason to sign up for SoFi's services. Markets are preparing for the severe competition that SoFi faces from here.
一旦連接到Apple Pay，客户註冊SoFi服務的理由就少了一個。市場正在為SoFi面臨的激烈競爭做準備。
On the date of publication, Chris Lau 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.
於刊發日期，劉勵超並無(直接或間接)持有本文所述證券的任何倉位。本文表達的觀點是作者的觀點，以InvestorPlace.com為準出版指南.
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蘋果宣佈後買入、賣出或持有SoFi股票的帖子？最先出現在InvestorPlace上。