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.
当市场在5月份上演月末反弹时，索菲科技(纳斯达克：SO菲)也加入了它。索菲股价在50日移动均线处停滞不前。这是一道技术阻力位，卖压结束了试图突破的局面。苹果的(纳斯达克：AAPL)上周，苹果支付(Apple Pay)的积极推广吓到了SoFi投资者。这家科技巨头已经提供了方便的月付选择。苹果不仅会收取零利率，还会原谅不还款的客户。此外，这些客户的信用评级不会下降，因为苹果不会报告不付款。
Apple's ambitions to increase adoption of Apple Pay casts doubt on SoFi, a fintech.
苹果增加Apple Pay普及率的雄心让人对金融科技的SoFi产生了怀疑。
Fintech Sell-Off Drags SoFi Stock Lower
金融科技抛售拖累SoFi股价走低
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.
苹果的BNPL声明震惊了接触信贷服务的投资者和金融科技。上周,贝宝(纳斯达克：PYPL)，块(纽约证券交易所：平方), 确认控股(纳斯达克：afrm)和Upstart控股(纳斯达克：UPST)与SoFi一起下跌。市场正在调整，以应对未来巨大的竞争风险。
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.
信贷平衡了经济拮据的消费者。他们的债务太多了。他们需要时间来偿还所欠的金额。BNPL将成为一个不断增长的市场。在苹果宣布上市之前，市场认为金融科技将在市场上占据优势。去年年底，他们以超过176美元的价格竞购了consim的股票。在上市前的最后一年，贝宝的股价曾高达310.16美元。很快，投资者意识到这家电子支付供应商的核心业务急剧放缓。
SoFi Has No Moat
索菲没有护城河
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赌注。由于负面投资者认为SoFi的业务缺乏护城河，此次空头流通率为18%。要包抄像这样的老牌金融机构富国银行(纽约证券交易所代码：WFC)或美国银行(纽约证券交易所：BAC)，SoFi需要高于平均水平的客户增长。随着市场状况趋紧，它的营销成本将会更高。例如，它必须提供更高的激励措施，几乎不提供服务费。
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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的积极激励措施可能会吸引那些财务困难的客户。相反，银行拥有成熟的基础设施，为新老客户提供服务。例如，他们有员工在分支机构或通过电话提供客户支持。
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.
索菲是众多金融科技律师事务所中客户支持服务有限的公司之一。需要与服务代表交谈的客户必须在线或通过电子邮件进行。回应可能需要几天时间。
Reduce SoFi From Here
从这里减少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.
苹果用bnpl颠覆了金融科技的市场。它愿意原谅不还款的客户，尽管只有一次。尽管如此，使用Apple Pay的消费者仍能享受这种舒适。
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.
一旦连接到Apple Pay，客户注册SoFi服务的理由就少了一个。市场正在为SoFi面临的激烈竞争做准备。
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.
于刊发日期，刘励超并无(直接或间接)持有本文所述证券的任何仓位。本文表达的观点是作者的观点，以InvestorPlace.com为准出版指南.
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苹果宣布后买入、卖出或持有SoFi股票的帖子？最先出现在InvestorPlace上。