-- 独立研究机构CFRA向提供了以下研究报告。CFRA分析师总结如下：SoFi第一季度业绩强劲，调整后净收入创历史新高，达到10.9亿美元（同比增长41%），超出华尔街预期的10.5亿美元；每股收益0.12美元，与去年同期的0.06美元基本持平。本季度增长势头强劲，新增会员105.5万，会员总数达到1470万（同比增长35%）；新增产品约200万种，产品总数达到2220万种（同比增长39%）。交叉购买率达到43%，充分展现了SoFi整合金融服务生态系统和平台战略的有效性。然而，尽管业绩表现强劲，但由于2026年业绩指引维持不变，且第二季度展望疲软，投资者仍未看到更多增长。我们相信，向轻资本型收费收入模式的战略转型增强了业务的可持续性，收费收入达到3.868亿美元（增长23%），贷款发放额创下122亿美元的历史新高（增长68%）。信贷质量保持良好，核销率下降，存款增长至402亿美元，这些都印证了我们对SoFi风险管理的积极看法。
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