{"id":481115,"date":"2023-12-18T19:30:40","date_gmt":"2023-12-19T03:30:40","guid":{"rendered":"https:\/\/nai500.com\/?p=481115"},"modified":"2023-12-18T19:30:40","modified_gmt":"2023-12-19T03:30:40","slug":"%e7%be%8e%e8%82%a1%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e8%82%a1%e7%a5%a8-sofi-coin-hood-upst-afrm","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2023\/12\/%e7%be%8e%e8%82%a1%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e8%82%a1%e7%a5%a8-sofi-coin-hood-upst-afrm\/","title":{"rendered":"\u7f8e\u80a1\u91d1\u878d\u79d1\u6280\u80a1\u7968\u5927\u6bd4\u62fc\uff1aSOFI\u3001COIN\u3001HOOD\u3001UPST\u8fd8\u662fAFRM\uff1f"},"content":{"rendered":"

\u4e0d\u53ef\u5426\u8ba4\u7684\u662f\uff0c\u867d\u7136\u91d1\u878d\u79d1\u6280\u80a1\u7968\u627f\u8bfa\u5c06\u98a0\u8986\u91d1\u878d\u670d\u52a1\u884c\u4e1a\uff0c\u4f46\u7531\u4e8e\u5229\u7387\u6301\u7eed\u4e0a\u5347\u53e0\u52a0\u884c\u4e1a\u7ade\u4e89\u6fc0\u70c8\uff0c\u8fc7\u53bb\u51e0\u5e74\u7f8e\u80a1\u7684\u91d1\u878d\u79d1\u6280\u80a1\u7968\u8d70\u52bf\u4f4e\u8ff7\u3002\u4e0d\u8fc7\uff0c\u80a1\u4ef7\u7684\u4e0b\u8dcc\u4e5f\u5e26\u6765\u4e86\u9006\u5411\u4e70\u5165\u7684\u673a\u4f1a\u3002<\/p>\n

2020\u5e74\u6216\u4e4b\u540e\u4e0a\u5e02\u7684SoFi Technologies Inc\uff08NASDAQ:SOFI\uff09<\/a>\u3001Coinbase Global, Inc.\uff08NASDAQ:COIN\uff09\u3001Robinhood Markets Inc\uff08NASDAQ:HOOD\uff09\u3001Upstart Holdings Inc\uff08NASDAQ:UPST\uff09\u4ee5\u53caAffirm Holdings Inc\uff08NASDAQ:AFRM\uff09\u5f53\u4e2d\uff0cUPST\u7684\u6536\u76ca\u7387\u6700\u9ad8\uff08\u4f46\u4e5f\u4ec5\u67094%\uff09\uff0c\u800cHOOD\u4ee5\u5927\u7ea666%\u7684\u8dcc\u5e45\u57ab\u5e95\u3002<\/p>\n

\u5982\u679c\u4f60\u60f3\u9022\u4f4e\u4e70\u5165\u4e0a\u9762\u8fd9\u4e9b\u91d1\u878d\u79d1\u6280\u80a1\u7968\uff0c\u54ea\u4e9b\u80a1\u7968\u66f4\u503c\u5f97\u5165\u624b\uff1f\u6211\u4eec\u4eca\u5929\u8bd5\u7740\u4ece\u8d22\u52a1\u6307\u6807\u4ee5\u53ca\u5206\u6790\u5e08\u8bc4\u7ea7\u5165\u624b\u89e3\u7b54\u8fd9\u4e00\u7591\u95ee\u3002<\/p>\n

\u91d1\u878d\u79d1\u6280\u80a1\u7968\uff1a\u6536\u5165\u548c\u6536\u5165\u589e\u901f<\/h2>\n

Coinbase\u662f\u6beb\u65e0\u7591\u95ee\u7684\u9886\u5934\u7f8a\u3002\u867d\u7136\u516c\u53f8\u6536\u51652022\u5e74Q1\u4ee5\u6765\u51fa\u73b0\u4e86\u660e\u663e\u4e0b\u6ed1\uff0c\u4f4612\u4e2a\u6708\u6eda\u52a8\uff08TTM\uff09\u6536\u5165\uff0826.3\u4ebf\u7f8e\u5143\uff09\u4f9d\u7136\u5927\u5e45\u9886\u5148\u3002SoFi\uff0819.1\u4ebf\u7f8e\u5143\uff09\u548cAffirm\uff0817.2\u4ebf\u7f8e\u5143\uff09\u5f97\u76ca\u4e8e\u4e0d\u9519\u7684\u5ba2\u6237\u4fdd\u7559\u3001\u77e5\u540d\u5ea6\u4ee5\u53ca\u5408\u4f5c\u5173\u7cfb\u8fc7\u53bb\u51e0\u5e74\u7684\u6536\u5165\u6301\u7eed\u4e0a\u5347\uff0c\u800cRobinhood\u7684\u6536\u5165\uff0817.7\u4ebf\u7f8e\u5143\uff09\u56e0\u4e3a\u52a0\u5bc6\u8d27\u5e01\u4ee5\u53ca\u5b83\u7684\u516c\u4f17\u5f62\u8c61\u95ee\u9898\u6ce2\u52a8\u66f4\u52a0\u660e\u663e\uff0c\u4e0d\u786e\u5b9a\u6027\u9ad8\u3002<\/p>\n

Upstart\u7684\u6536\u5165\uff085.455\u4ebf\u7f8e\u5143\uff09\u6700\u8fd1\u51e0\u4e2a\u5b63\u5ea6\u5927\u5e45\u4e0b\u6ed1\uff0c\u662f\u552f\u4e00\u6536\u5165\u5e74\u590d\u5408\u589e\u957f\u7387\uff08CAGR\uff0c-10.18%\uff09\u4e3a\u8d1f\u7684\u91d1\u878d\u79d1\u6280\u80a1\u7968\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0cAffirm\u3001Robinhood\u548cSoFi\u7684\u6536\u5165\u5e74\u590d\u5408\u589e\u957f\u7387\u6700\u9ad8\uff0c\u5206\u522b\u4e3a37.31%\u300129.36%\u548c26.42%\u3002<\/p>\n

\u91d1\u878d\u79d1\u6280\u80a1\u7968\uff1a\u6bdb\u5229\u6da6\u7387<\/h2>\n

\u91d1\u878d\u79d1\u6280\u516c\u53f8\u5c5e\u4e8e\u8f7b\u8d44\u4ea7\u7c7b\u578b\uff0c\u56e0\u6b64\u6bdb\u5229\u6da6\u7387\u9ad8\u3002\u8fc7\u53bb\u51e0\u5e74\uff0cSoFi\u768412\u4e2a\u6708\u6eda\u52a8\u6bdb\u5229\u6da6\u7387\u7a33\u5b9a\u6301\u7eed\u4e0a\u5347\uff0881.29%\uff09\uff0c\u800cCoinbase\u7684\u6bdb\u5229\u6da6\u7387\u6700\u9ad8\uff0885.61%\uff09\u3002\u4e0e\u6b64\u540c\u65f6\uff0cUpstart\u8fc7\u53bb\u51e0\u4e2a\u5b63\u5ea6\u7684\u6bdb\u5229\u6da6\u7387\u5448\u73b0\u660e\u663e\u7684\u4e0b\u964d\u8d8b\u52bf\u4f46\u6700\u8fd1\u4e00\u5b63\u5ea6\u8d8b\u4e8e\u7a33\u5b9a\uff0871.08%\uff09\u3002Affirm\u7684\u6bdb\u5229\u6da6\u7387\u6700\u4f4e\uff0862.27%\uff09\uff0c\u4f46\u4f9d\u7136\u4fdd\u6301\u4e0a\u5e02\u4ee5\u6765\u7684\u4e0a\u5347\u8d8b\u52bf\u3002<\/p>\n

\u597d\u7684\u6bdb\u5229\u6da6\u7387\uff0c\u5149\u9ad8\u8fd8\u4e0d\u591f\uff0c\u8fd8\u5f97\u6301\u7eed\u589e\u957f\u3002\u6bd4\u5982\u8bf4\uff0cRobinhood\u7684\u6bdb\u5229\u6da6\u7387\u6392\u540d\u7b2c\u4e09\uff0c\u4f46\u521a\u521a\u7a81\u78342021\u5e74\u7684\u9ad8\u70b9\u3002Coinbase\u4e5f\u662f\u5982\u6b64\uff0c\u6bdb\u5229\u6da6\u7387\u57282020\u5e74Q4\u89e6\u9876\u540e\u5f00\u59cb\u4e0b\u6ed1\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0cSoFi\u7684\u6bdb\u5229\u6da6\u73872020\u5e74Q3\u4ee5\u6765\u6bcf\u4e2a\u5b63\u5ea6\u90fd\u5728\u589e\u957f\u3002<\/p>\n

\u91d1\u878d\u79d1\u6280\u80a1\u7968\uff1a\u6bcf\u80a1\u6536\u76ca<\/h2>\n

\u8fd95\u5bb6\u91d1\u878d\u79d1\u6280\u516c\u53f8\u8fc7\u53bb12\u4e2a\u6708\u90fd\u6ca1\u6709\u76c8\u5229\uff0c\u5176\u4e2dSoFi\u7684\u6bcf\u80a1\u4e8f\u635f\u4eceQ2\u768426\u7f8e\u5206\u6269\u5927\u81f3Q3\u768446\u7f8e\u5206\uff0c\u4f46\u4f9d\u7136\u662f\u6700\u597d\u7684\uff0c\u800c\u4e14\u6263\u9664\u5546\u8a89\u51cf\u503c\u7684\u6bcf\u80a1\u4e8f\u635f\u4ec5\u67093\u7f8e\u5206\u3002\u6b64\u5916\uff0c\u5206\u6790\u5e08\u9884\u8ba1\u8be5\u516c\u53f8Q4\u6709\u671b\u5b9e\u73b0\u76c8\u4e8f\u6301\u5e73\u3002<\/p>\n

\u4f46\u8981\u8bba\u6bcf\u80a1\u6536\u76ca\u7684\u8d8b\u52bf\uff0cCoinbase\uff08\u6bcf\u80a1\u4e8f\u635f3.16\u7f8e\u5143\uff09\u8fc7\u53bb\u51e0\u4e2a\u5b63\u5ea6\u662f\u6700\u5f3a\u7684\u3002Affirm\uff08-3.03\u7f8e\u5143\uff09\u548cUpstart\uff08-3.06\u7f8e\u5143\uff09\u7684\u6bcf\u80a1\u6536\u76ca\u6700\u8fd1\u51e0\u4e2a\u5b63\u5ea6\u8d8b\u4e8e\u7a33\u5b9a\uff0c\u4f46\u4e0a\u5e02\u4ee5\u6765\u5747\u672a\u663e\u73b0\u5927\u5e45\u7684\u6539\u5584\u3002Robinhood\uff08-0.82\u7f8e\u5143\uff09\u7684\u6bcf\u80a1\u6536\u76ca2021\u5e74Q3\u4ee5\u6765\u6301\u7eed\u4e0a\u5347\u3002<\/p>\n

\u4ee5\u4e0b\u662f\u534e\u5c14\u8857\u5206\u6790\u5e08\u7ed9\u51fa\u7684\u8fd95\u5bb6\u91d1\u878d\u79d1\u6280\u80a1\u7968\u7684\u76c8\u5229\u9884\u671f\uff1a<\/p>\n

    \n
  • SoFi\uff1a2024\u5e74GAAP\u6bcf\u80a1\u6536\u76ca6\u7f8e\u5206<\/li>\n
  • Robinhood\uff1a2024\u5e74GAAP\u6bcf\u80a1\u6536\u76ca1\u7f8e\u5206<\/li>\n
  • Coinbase\uff1a2028\u5e74GAAP\u6bcf\u80a1\u6536\u76ca2.07\u7f8e\u5143<\/li>\n
  • Upstart\uff1a\u5206\u6790\u5e08\u9884\u8ba12026\u5e74\u4e4b\u524d\u4e0d\u4f1a\u76c8\u5229<\/li>\n
  • Affirm\uff1a\u5206\u6790\u5e08\u9884\u8ba12028\u5e74\u4e4b\u524d\u4e0d\u4f1a\u76c8\u5229<\/li>\n<\/ul>\n

    \u91d1\u878d\u79d1\u6280\u80a1\u7968\uff1a\u5206\u6790\u5e08\u76ee\u6807\u80a1\u4ef7<\/h2>\n

    \u4ee5\u4e0b\u662f\u534e\u5c14\u8857\u5206\u6790\u5e08\u7ed9\u8fd95\u53ea\u91d1\u878d\u79d1\u6280\u80a1\u7968\u7684\u76ee\u6807\u4ef7\uff1a<\/p>\n

      \n
    • SoFi\uff1a17\u4f4d\u5206\u6790\u5e08\u7684\u5e73\u5747\u76ee\u6807\u4ef7\u4e3a9.12\u7f8e\u5143\uff0c\u63a5\u8fd1\u4e8e\u76ee\u524d\u5e02\u4ef7\uff0c\u6700\u4f4e\u548c\u6700\u9ad8\u5206\u522b\u4e3a3\u7f8e\u5143\u548c15\u7f8e\u5143\u3002<\/li>\n
    • Robinhood\uff1a13\u4f4d\u5206\u6790\u5e08\u7684\u5e73\u5747\u76ee\u6807\u4ef7\u4e3a11.65\u7f8e\u5143\uff0c\u63a5\u8fd1\u4e8e\u76ee\u524d\u5e02\u4ef7\uff0c\u6700\u4f4e\u548c\u6700\u9ad8\u5206\u522b\u4e3a9\u7f8e\u5143\u548c23\u7f8e\u5143\u3002<\/li>\n
    • Coinbase\uff1a21\u4f4d\u5206\u6790\u5e08\u7684\u5e73\u5747\u76ee\u6807\u4ef7\u4e3a90\u7f8e\u5143\uff0c\u4e0b\u8dcc\u7a7a\u95f440%\uff0c\u6700\u4f4e\u548c\u6700\u9ad8\u5206\u522b\u4e3a35\u7f8e\u5143\u548c160\u7f8e\u5143\u3002<\/li>\n
    • Affirm\uff1a19\u4f4d\u5206\u6790\u5e08\u7684\u5e73\u5747\u76ee\u6807\u4ef7\u4e3a23.44\u7f8e\u5143\uff0c\u4e0b\u8dcc\u7a7a\u95f444%\uff0c\u6700\u4f4e\u548c\u6700\u9ad8\u5206\u522b\u4e3a6\u7f8e\u5143\u548c55\u7f8e\u5143\u3002<\/li>\n
    • Upstart\uff1a15\u4f4d\u5206\u6790\u5e08\u7684\u5e73\u5747\u76ee\u6807\u4ef7\u4e3a21.67\u7f8e\u5143\uff0c\u4e0b\u8dcc\u7a7a\u95f451%\uff0c\u6700\u4f4e\u548c\u6700\u9ad8\u5206\u522b\u4e3a6\u7f8e\u5143\u548c42\u7f8e\u5143\u3002<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

      \u4e0d\u53ef\u5426\u8ba4\u7684\u662f\uff0c\u867d\u7136\u91d1\u878d\u79d1\u6280\u80a1\u7968\u627f\u8bfa\u5c06\u98a0\u8986\u91d1\u878d\u670d\u52a1\u884c\u4e1a\uff0c\u4f46\u7531\u4e8e\u5229\u7387\u6301\u7eed\u4e0a\u5347\u53e0\u52a0\u884c\u4e1a\u7ade\u4e89\u6fc0\u70c8\uff0c\u8fc7\u53bb\u51e0\u5e74\u7f8e\u80a1\u7684\u91d1\u878d\u79d1 […]<\/p>\n","protected":false},"author":27,"featured_media":481116,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[1521,430],"tags":[2137,2232,522,634],"class_list":["post-481115","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1521","category-trends-strategies-zh-hans","tag-2137","tag-2232","tag-522","tag-634","sectors-financial-products-zh-hans","sectors-technology-zh-hans","locations-us-zh-hans","exchange-nasdaq-zh-hans"],"acf":[],"_links":{"self":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts\/481115","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/comments?post=481115"}],"version-history":[{"count":0,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts\/481115\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/media\/481116"}],"wp:attachment":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=481115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/categories?post=481115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/tags?post=481115"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}