-- 獨立研究機構CFRA向提供了以下研究報告。 CFRA分析師總結如下：SoFi第一季業績強勁，調整後淨收入創歷史新高，達到10.9億美元（年增41%），超出華爾街預期的10.5億美元；每股收益0.12美元，與去年同期的0.06美元基本持平。本季成長動能強勁，新增會員105.5萬，會員總數達1,470萬（年增35%）；新增產品約200萬種，產品總數達2,220萬種（年增39%）。交叉購買率達到43%，充分展現了SoFi整合金融服務生態系統與平台策略的成效。然而，儘管業績表現強勁，但由於2026年業績指引維持不變，且第二季展望疲軟，投資人仍未看到更多成長。我們相信，向輕資本型收費收入模式的策略轉型增強了業務的可持續性，收費收入達到3.868億美元（增長23%），貸款發放額創下122億美元的歷史新高（增長68%）。信貸品質保持良好，核銷率下降，存款成長至402億美元，這些都印證了我們對SoFi風險管理的正面看法。
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