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ilovekirby

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2021-08-10

AMC will moon! Just need to be patient, buy and hodl. [Grin]

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2021-08-02

Chinese EV makers are delivering better than expected results. I’m confident they will continue to do well.

Xpeng Motors delivered 8,040 vehicles in July 2021,a record month with a 228% increase YOY

2021-08-17

Buy NIO and hold to be rewarded in the long term.

Strong Execution Makes NIO A Buy

2021-07-19

Zoom has become the ‘new normal’ for meetingsand classroom virtual training. It is here to stay for a long time.

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2021-08-07

Tesla, NIO, Li Auto, Xpeng are better buys

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2021-08-01

Buying the dips is like buying on discount. Who doesn’t like discounts? [Grin]

Here’s your to-do list before the stock market’s next dive

2021-07-17

As long as don’t sell when market is down, it’s only paper losses. Hold on and wait, the market will go up eventually.

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2021-07-31

NIO has lots of growth potential. Buy the dip and hold for long term gains.

Nio, XPeng, Li Shares Rise, as China EV Stocks Rebound

2021-07-16

The stock market is always nervous about inflation.

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2021-08-13

SoFi stock is way under valued. But I’m confidentit will bounce back by end of the year. [Grin]

SoFi stock falls after its first earnings report, as profit outlook comes up short

Go to Tiger App to see more news

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ok","listText":"Hmmm ok","text":"Hmmm ok","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/817274655","repostId":"1184834324","repostType":4,"isVote":1,"tweetType":1,"viewCount":3965,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":812008161,"gmtCreate":1630539771253,"gmtModify":1676530332122,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"Buy SoFi and hold long term to be rewarded.","listText":"Buy SoFi and hold long term to be rewarded.","text":"Buy SoFi and hold long term to be rewarded.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":2,"repostSize":0,"link":"https://ttm.financial/post/812008161","repostId":"2163859252","repostType":2,"isVote":1,"tweetType":1,"viewCount":4123,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3582196336336885","authorId":"3582196336336885","name":"Merlink","avatar":"https://static.tigerbbs.com/741db9e3d01255d709f4d301a1acc34f","crmLevel":12,"crmLevelSwitch":0,"authorIdStr":"3582196336336885","idStr":"3582196336336885"},"content":"at least 5 years","text":"at least 5 years","html":"at least 5 years"},{"author":{"id":"3584355133514261","authorId":"3584355133514261","name":"keane3921","avatar":"https://static.tigerbbs.com/f91e2aa3ce2d41b7ddd61125b2e64e06","crmLevel":11,"crmLevelSwitch":1,"authorIdStr":"3584355133514261","idStr":"3584355133514261"},"content":"Pls share ur like...","text":"Pls share ur like...","html":"Pls share ur like..."}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":810748637,"gmtCreate":1630019506929,"gmtModify":1676530199470,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"AMC to the moon and beyond!!! ???","listText":"AMC to the moon and beyond!!! ???","text":"AMC to the moon and beyond!!! ???","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/810748637","repostId":"1197918153","repostType":2,"repost":{"id":"1197918153","kind":"news","pubTimestamp":1629948466,"share":"https://ttm.financial/m/news/1197918153?lang=en_US&edition=fundamental","pubTime":"2021-08-26 11:27","market":"us","language":"en","title":"AMC Stock: Running Of The Bulls Knocks Short Sellers Down","url":"https://stock-news.laohu8.com/highlight/detail?id=1197918153","media":"Thestreet","summary":"The August 24 trading session provided AMC stock (AMC) -Get Report owners with reasons to be optimis","content":"<p>The August 24 trading session provided AMC stock&nbsp;(<b>AMC</b>) -Get Report&nbsp;owners with reasons to be optimistic about a run towards new peaks. Possibly motivated by broad market movements that were also positive, AMC surged 20% and finally broke into the $40 levels once again.</p>\n<p>Not yet satisfied, ambitious apes still believe that the recent move in AMC is just the tip of the iceberg, and that the path to the moon is gradually being paved. Wall Street Memes reviews AMC stock’s recent performance.</p>\n<h3>Broad market strength</h3>\n<p>The US stock market had a record-breaking dayon August 24. In a week marked by chatter around monetary policy and the Jackson Hole symposium, vaccine approval news and the Chinese market’s retraction helped to fuel the market’s euphoria in the US.</p>\n<p>AMC trading volume reached about 220 million shares on August 24, more than double the average 10-day metric.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/d1cc490ca24ca006f0cad2c9b785eb27\" tg-width=\"1200\" tg-height=\"595\" width=\"100%\" height=\"auto\"><span>Figure 1: AMC historical data and trading volume.</span></p>\n<h3>Bullish drivers</h3>\n<p>AMC’s popularity across the main online discussion boards remains at peak levels. The top meme stock’s performance mirrored WallStreetBets’ commentary volume, although correlation does not necessarily mean causation.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/81369ea6c61e3992aad71b0bb2d24e20\" tg-width=\"1200\" tg-height=\"609\" width=\"100%\" height=\"auto\"><span>Figure 2: WSB ticker sentiment - AMC.Swaggy Stocks</span></p>\n<p>Short interest remains elevated and on the rise, at around 18% according to&nbsp;Yahoo Finance.&nbsp;Also, Wall Street analysts' bearishness towards the stock has served as fuel for defying AMC apes in their quest to squeeze short sellers out.</p>\n<p>The company’s recent financial performance may also be playing a role in stock price action. The&nbsp;above-expectations Q2 earnings report, which pointed at a scenario of post-pandemic recovery for AMC, reinforces the fundamentalist thesis. Keep in mind, however, that meme mania has much more to do with momentum and market dynamics than with business fundamentals.</p>\n<h3>SEC looking closely at dark pools</h3>\n<p>One of the biggest complaints and concerns of AMC shareholders is the lack of transparency in the market. There seems to be a consensus among the ape community that dark pool activities and naked short selling could be hampering AMC's ride to new highs.</p>\n<p>Recently, SEC Chair Gay Genslerspoke directly on the matter, stating that the agency is looking closely at dark pool activities&nbsp;to protect investors. While no firm action has been taken yet, the SEC’s willingness to address the issue can be seen as positive news.</p>\n<h3>Short sellers get slapped</h3>\n<p>With over 92 million AMC shares currently shorted, sellers have racked up billions of dollars in losses since meme mania emerged. The latest data&nbsp;provided&nbsp;by third-party research reveals that, as of July 20, shorts had incurred year-to-date losses of $3.8 billion.</p>\n<p>Short seller losses are probably even higher now, since AMC stock has spiked 20% in August alone. Amid a new wave of optimism, bears might be playing with fire. How long will they withstand the upward pressures? Apes’ bet: not very long.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>AMC Stock: Running Of The Bulls Knocks Short Sellers Down</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nAMC Stock: Running Of The Bulls Knocks Short Sellers Down\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-08-26 11:27 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.thestreet.com/memestocks/amc/amc-stock-running-of-the-bulls-knocks-short-sellers-down><strong>Thestreet</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The August 24 trading session provided AMC stock (AMC) -Get Report owners with reasons to be optimistic about a run towards new peaks. Possibly motivated by broad market movements that were also ...</p>\n\n<a href=\"https://www.thestreet.com/memestocks/amc/amc-stock-running-of-the-bulls-knocks-short-sellers-down\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AMC":"AMC院线"},"source_url":"https://www.thestreet.com/memestocks/amc/amc-stock-running-of-the-bulls-knocks-short-sellers-down","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1197918153","content_text":"The August 24 trading session provided AMC stock (AMC) -Get Report owners with reasons to be optimistic about a run towards new peaks. Possibly motivated by broad market movements that were also positive, AMC surged 20% and finally broke into the $40 levels once again.\nNot yet satisfied, ambitious apes still believe that the recent move in AMC is just the tip of the iceberg, and that the path to the moon is gradually being paved. Wall Street Memes reviews AMC stock’s recent performance.\nBroad market strength\nThe US stock market had a record-breaking dayon August 24. In a week marked by chatter around monetary policy and the Jackson Hole symposium, vaccine approval news and the Chinese market’s retraction helped to fuel the market’s euphoria in the US.\nAMC trading volume reached about 220 million shares on August 24, more than double the average 10-day metric.\nFigure 1: AMC historical data and trading volume.\nBullish drivers\nAMC’s popularity across the main online discussion boards remains at peak levels. The top meme stock’s performance mirrored WallStreetBets’ commentary volume, although correlation does not necessarily mean causation.\nFigure 2: WSB ticker sentiment - AMC.Swaggy Stocks\nShort interest remains elevated and on the rise, at around 18% according to Yahoo Finance. Also, Wall Street analysts' bearishness towards the stock has served as fuel for defying AMC apes in their quest to squeeze short sellers out.\nThe company’s recent financial performance may also be playing a role in stock price action. The above-expectations Q2 earnings report, which pointed at a scenario of post-pandemic recovery for AMC, reinforces the fundamentalist thesis. Keep in mind, however, that meme mania has much more to do with momentum and market dynamics than with business fundamentals.\nSEC looking closely at dark pools\nOne of the biggest complaints and concerns of AMC shareholders is the lack of transparency in the market. There seems to be a consensus among the ape community that dark pool activities and naked short selling could be hampering AMC's ride to new highs.\nRecently, SEC Chair Gay Genslerspoke directly on the matter, stating that the agency is looking closely at dark pool activities to protect investors. While no firm action has been taken yet, the SEC’s willingness to address the issue can be seen as positive news.\nShort sellers get slapped\nWith over 92 million AMC shares currently shorted, sellers have racked up billions of dollars in losses since meme mania emerged. The latest data provided by third-party research reveals that, as of July 20, shorts had incurred year-to-date losses of $3.8 billion.\nShort seller losses are probably even higher now, since AMC stock has spiked 20% in August alone. Amid a new wave of optimism, bears might be playing with fire. How long will they withstand the upward pressures? Apes’ bet: not very long.","news_type":1,"symbols_score_info":{"AMC":0.9}},"isVote":1,"tweetType":1,"viewCount":3532,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":810050690,"gmtCreate":1629936070610,"gmtModify":1676530175379,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"These are good tickers to buy and hold, just haveto be patient. [Grin]&nbsp;","listText":"These are good tickers to buy and hold, just haveto be patient. [Grin]&nbsp;","text":"These are good tickers to buy and hold, just haveto be patient. [Grin]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/810050690","repostId":"1147590416","repostType":2,"isVote":1,"tweetType":1,"viewCount":4475,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":833207029,"gmtCreate":1629243616361,"gmtModify":1676529974792,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"AMC to the moon!! ???","listText":"AMC to the moon!! ???","text":"AMC to the moon!! ???","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/833207029","repostId":"2160320769","repostType":4,"isVote":1,"tweetType":1,"viewCount":3055,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":839416830,"gmtCreate":1629172867820,"gmtModify":1676529953587,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"Buy NIO and hold to be rewarded in the long term.","listText":"Buy NIO and hold to be rewarded in the long term.","text":"Buy NIO and hold to be rewarded in the long term.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":5,"repostSize":0,"link":"https://ttm.financial/post/839416830","repostId":"1144644937","repostType":4,"repost":{"id":"1144644937","kind":"news","pubTimestamp":1629172442,"share":"https://ttm.financial/m/news/1144644937?lang=en_US&edition=fundamental","pubTime":"2021-08-17 11:54","market":"us","language":"en","title":"Strong Execution Makes NIO A Buy","url":"https://stock-news.laohu8.com/highlight/detail?id=1144644937","media":"seekingalpha","summary":"Summary\n\nNIO’s Q2’21 earnings card was impressive with revenues and deliveries growing by more than ","content":"<p><b>Summary</b></p>\n<ul>\n <li>NIO’s Q2’21 earnings card was impressive with revenues and deliveries growing by more than 100% during the pandemic.</li>\n <li>NIO’s losses are decreasing rapidly. The EV maker is expected to be profitable in FY 2023.</li>\n <li>NIO raised its outlook, now expects to deliver up to 25,000 vehicles in Q3'21.</li>\n <li>Beijing’s hardening crackdown on Chinese companies may affect the market’s confidence in EV makers like NIO.</li>\n</ul>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/ff1eeeef73ef23263b4f26ede659c03e\" tg-width=\"1536\" tg-height=\"1024\" width=\"100%\" height=\"auto\"><span>SimonSkafar/E+ via Getty Images</span></p>\n<p>Despite surging revenues, narrowing losses and a strong outlook for Q3'21, shares of electric vehicle start-up NIO(NYSE:NIO)dropped after earnings. NIO's business is gaining momentum and the EV maker does a great job executing on its business plan.</p>\n<p><b>NIO continued to grow rapidly in Q2'21</b></p>\n<p>Competition in the Chinese market is increasing and EV makers continue to ramp up production and deliveries. NIO,XPeng(NYSE:XPEV)and Li Auto(NASDAQ:LI)&nbsp;saw&nbsp;record deliveries&nbsp;for the month of July and all three companies are now delivering about 8,000 vehicles each month. NIO's delivery growth was not as strong as the growth rates of its direct rivals, but a 124.5% Y/Y delivery growth rate in July is hard to criticize.</p>\n<p>NIO is even harder to criticize after it revealed its Q2'21 earnings card last week… which showed soaring revenues and narrowing losses. NIO's second-quarter showed 127.2% revenue growth over last year as the company recorded 8.45B Chinese Yuan in Q2'21 revenues ($1.31B). NIO's revenue surge is linked to the production ramp up of its various sport utility vehicles, soaring delivery growth rates despite challenges posed by the Coronavirus pandemic, and a denser product mix.</p>\n<p>In Q2'21, NIO delivered 21,896 vehicles of which 9,935 were ES6s, 7,528 were EC6s and 4,433 were ES8s. Total deliveries in Q2'21 surpassed Q2'20 deliveries by 111.9% as NIO was able to grow production despite a semiconductor supply shortage that limited factory output in the first six months of the year. NIO also revealed that it had a gross profit of 1.57B Chinese Yuan ($243.8 million) in Q2'21, showing 402.7% growth Y/Y. NIO executed its business plan very well over the last year and the growth in revenues, deliveries and gross profit is impressive.</p>\n<p>However, NIO is still not profitable. But since the EV maker is still in the ramp up stage and prepared to enter the sedan market in 2022 with its new P7 sedan model, NIO perhaps should not be expected to make a profit yet. Factory output and delivery growth are two metrics that are far more important for NIO and other EV makers than net profits.</p>\n<p>NIO's Q2'21 net loss was 587.2 million Chinese Yuan (US$90.9 million), but losses declined by 50% compared to last year's second-quarter. The loss per American Depositary Share/ADS was 0.42 Chinese Yuan which is the equivalent of 7 cents. NIO had a loss per ADS share of 1.15 Chinese Yuan (16 cents) in Q2'20. Estimates called for an 8 cent per ADS share loss on $1.28B in sales, meaning NIO's actual revenues were higher and losses were lower than expected.</p>\n<p>NIO's revenues keep increasing while losses keep narrowing...</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/c460516ba75f4c50f6725956d825a4c4\" tg-width=\"635\" tg-height=\"433\" width=\"100%\" height=\"auto\"><span>Data by YCharts</span></p>\n<p><b>Outlook</b></p>\n<p>NIO expects continual strength in its business as demand for electric SUVs remains high. For the third quarter, NIO expects to deliver between 23,000 and 25,000 vehicles as factory output increases and semiconductors start to see a better flow again. NIO's delivery range implies a minimum of 5% Q/Q growth in deliveries. I believe NIO could outperform its own delivery guidance if the semiconductor supply shortage eases and production choke points in Q3'21 are removed. Third-quarter revenues are expected to fall into a range of 8.91B Chinese Yuan ($1.38B) and 9.63B Chinese Yuan ($1.49B). NIO's guidance implies at least 96.9% Y/Y and 5.5% Q/Q growth in its top line.</p>\n<p>The outlook is very strong, considering that competition in the EV market is increasing and that automobile production is still hampered by the semiconductor supply shortage. NIO may not be growing as fast asXPeng or Li Auto in the short term, but NIO's business results and outlook are impressive in many ways: Doubling revenues and deliveries during the pandemic year is an achievement in itself and NIO is on a clear path to profitability... if it continues to execute its business plan well.</p>\n<p><b>NIO: It's all about growth</b></p>\n<p>NIO is not profitable, and despite narrowing losses, profits should not be expected in the short term. NIO is estimated to reach profitability in 2023, which is beforeXPeng (2024) and after Li Auto (2022). Purely from a sales growth perspective, Li Auto may be the best as the EV maker has a much lower price-to-sales ratio thanXPeng and NIO.</p>\n<p>XPeng is now more expensive than NIO, likely becauseXPeng is growing deliveries faster than NIO. However, NIO's battery-as-a-service subscription model and large investments in the expansion of its battery charging and replacement station network are set to boost NIO's revenue growth significantly this decade.</p>\n<p>BaaS-related revenues could result in an additional&nbsp;$500M or more in revenues annually for NIO by 2025. NIO's battery subscription model is a key differentiating factor.</p>\n<table>\n <tbody>\n  <tr>\n   <td><p>Market Cap</p></td>\n   <td><p>FY 2021 Est. Revenues</p></td>\n   <td><p>P-S Ratio</p></td>\n   <td><p>FY 2021 Est. EPS</p></td>\n   <td><p>P-E Ratio</p></td>\n   <td><p>Est. Year of Reaching Profitability</p></td>\n  </tr>\n  <tr>\n   <td><p>NIO</p></td>\n   <td><p>$67.22</p></td>\n   <td><p>$5.41</p></td>\n   <td><p>12.43</p></td>\n   <td><p>-$0.54</p></td>\n   <td><p>-</p></td>\n   <td><p>2023</p></td>\n  </tr>\n  <tr>\n   <td><p>XPeng</p></td>\n   <td><p>$34.20</p></td>\n   <td><p>$2.32</p></td>\n   <td><p>14.74</p></td>\n   <td><p>-$0.72</p></td>\n   <td><p>-</p></td>\n   <td><p>2024</p></td>\n  </tr>\n  <tr>\n   <td><p>Li Auto</p></td>\n   <td><p>$25.94</p></td>\n   <td><p>$3.10</p></td>\n   <td><p>8.37</p></td>\n   <td><p>-$0.10</p></td>\n   <td><p>-</p></td>\n   <td><p>2022</p></td>\n  </tr>\n </tbody>\n</table>\n<p>(Source: Author)</p>\n<p><b>Risks with NIO</b></p>\n<p>Despite strong business performance in Q2'21 and record deliveries, shares of NIO have retreated lately as the market adopted a 'wait-and-see' approach regarding China-based companies. This is because the Chinese government is increasingly assertive and has started to crack down on various sectors of the economy, specifically the E-Commerce, technology and social media sectors.</p>\n<p>This accelerating government intervention is reducing the appeal of Chinese companies for US investors… although the risk of regulatory intervention in the electric vehicle market is low. Beijing promotes the adoption of EVs heavily and targets a 20% share of EVs by 2025… which makes it unlikely that the electric vehicle sector experiences the same crackdown as other sectors. However, Beijing getting more involved in the economy is not exactly helping the image of Chinese stocks in the US.</p>\n<p>Additionally, companies that list on an American exchange indirectly through American Depositary Shares - like NIO - don't have to submit audited financial statements to a US regulator. This means that the market depends on unaudited financial statements and a good amount of trust when it comes to investing in China-based electric vehicle companies.</p>\n<p>An interventionist Chinese government and the fact that China-based companies don't go through a rigorous process that makes sure that financial statements can be relied upon, are two big issues that may weigh on shares of NIO going forward. A de-listing of Chinese EV makers would be the worst outcome. In the case of a de-listing of China-based companies from US exchanges, NIO would become uninvestable. Right now, this is not the case and the risk of a complete de-listing is not high. However, if US-China relations deteriorate, NIO could face headwinds.</p>\n<p><b>Final thoughts</b></p>\n<p>NIO had a great second-quarter that saw soaring revenues during the pandemic, narrower losses and a strong outlook for Q3'21… with potential upside in factory output as the semiconductor shortage eases.</p>\n<p>Losses are narrowing rapidly which means NIO could be profitable in FY 2023. Business performance is supported by strong execution and NIO will continue to grow rapidly. NIO's shares are a buy!</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Strong Execution Makes NIO A Buy</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nStrong Execution Makes NIO A Buy\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-08-17 11:54 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4449836-strong-execution-makes-nio-a-buy><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Summary\n\nNIO’s Q2’21 earnings card was impressive with revenues and deliveries growing by more than 100% during the pandemic.\nNIO’s losses are decreasing rapidly. The EV maker is expected to be ...</p>\n\n<a href=\"https://seekingalpha.com/article/4449836-strong-execution-makes-nio-a-buy\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"NIO":"蔚来"},"source_url":"https://seekingalpha.com/article/4449836-strong-execution-makes-nio-a-buy","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1144644937","content_text":"Summary\n\nNIO’s Q2’21 earnings card was impressive with revenues and deliveries growing by more than 100% during the pandemic.\nNIO’s losses are decreasing rapidly. The EV maker is expected to be profitable in FY 2023.\nNIO raised its outlook, now expects to deliver up to 25,000 vehicles in Q3'21.\nBeijing’s hardening crackdown on Chinese companies may affect the market’s confidence in EV makers like NIO.\n\nSimonSkafar/E+ via Getty Images\nDespite surging revenues, narrowing losses and a strong outlook for Q3'21, shares of electric vehicle start-up NIO(NYSE:NIO)dropped after earnings. NIO's business is gaining momentum and the EV maker does a great job executing on its business plan.\nNIO continued to grow rapidly in Q2'21\nCompetition in the Chinese market is increasing and EV makers continue to ramp up production and deliveries. NIO,XPeng(NYSE:XPEV)and Li Auto(NASDAQ:LI) saw record deliveries for the month of July and all three companies are now delivering about 8,000 vehicles each month. NIO's delivery growth was not as strong as the growth rates of its direct rivals, but a 124.5% Y/Y delivery growth rate in July is hard to criticize.\nNIO is even harder to criticize after it revealed its Q2'21 earnings card last week… which showed soaring revenues and narrowing losses. NIO's second-quarter showed 127.2% revenue growth over last year as the company recorded 8.45B Chinese Yuan in Q2'21 revenues ($1.31B). NIO's revenue surge is linked to the production ramp up of its various sport utility vehicles, soaring delivery growth rates despite challenges posed by the Coronavirus pandemic, and a denser product mix.\nIn Q2'21, NIO delivered 21,896 vehicles of which 9,935 were ES6s, 7,528 were EC6s and 4,433 were ES8s. Total deliveries in Q2'21 surpassed Q2'20 deliveries by 111.9% as NIO was able to grow production despite a semiconductor supply shortage that limited factory output in the first six months of the year. NIO also revealed that it had a gross profit of 1.57B Chinese Yuan ($243.8 million) in Q2'21, showing 402.7% growth Y/Y. NIO executed its business plan very well over the last year and the growth in revenues, deliveries and gross profit is impressive.\nHowever, NIO is still not profitable. But since the EV maker is still in the ramp up stage and prepared to enter the sedan market in 2022 with its new P7 sedan model, NIO perhaps should not be expected to make a profit yet. Factory output and delivery growth are two metrics that are far more important for NIO and other EV makers than net profits.\nNIO's Q2'21 net loss was 587.2 million Chinese Yuan (US$90.9 million), but losses declined by 50% compared to last year's second-quarter. The loss per American Depositary Share/ADS was 0.42 Chinese Yuan which is the equivalent of 7 cents. NIO had a loss per ADS share of 1.15 Chinese Yuan (16 cents) in Q2'20. Estimates called for an 8 cent per ADS share loss on $1.28B in sales, meaning NIO's actual revenues were higher and losses were lower than expected.\nNIO's revenues keep increasing while losses keep narrowing...\nData by YCharts\nOutlook\nNIO expects continual strength in its business as demand for electric SUVs remains high. For the third quarter, NIO expects to deliver between 23,000 and 25,000 vehicles as factory output increases and semiconductors start to see a better flow again. NIO's delivery range implies a minimum of 5% Q/Q growth in deliveries. I believe NIO could outperform its own delivery guidance if the semiconductor supply shortage eases and production choke points in Q3'21 are removed. Third-quarter revenues are expected to fall into a range of 8.91B Chinese Yuan ($1.38B) and 9.63B Chinese Yuan ($1.49B). NIO's guidance implies at least 96.9% Y/Y and 5.5% Q/Q growth in its top line.\nThe outlook is very strong, considering that competition in the EV market is increasing and that automobile production is still hampered by the semiconductor supply shortage. NIO may not be growing as fast asXPeng or Li Auto in the short term, but NIO's business results and outlook are impressive in many ways: Doubling revenues and deliveries during the pandemic year is an achievement in itself and NIO is on a clear path to profitability... if it continues to execute its business plan well.\nNIO: It's all about growth\nNIO is not profitable, and despite narrowing losses, profits should not be expected in the short term. NIO is estimated to reach profitability in 2023, which is beforeXPeng (2024) and after Li Auto (2022). Purely from a sales growth perspective, Li Auto may be the best as the EV maker has a much lower price-to-sales ratio thanXPeng and NIO.\nXPeng is now more expensive than NIO, likely becauseXPeng is growing deliveries faster than NIO. However, NIO's battery-as-a-service subscription model and large investments in the expansion of its battery charging and replacement station network are set to boost NIO's revenue growth significantly this decade.\nBaaS-related revenues could result in an additional $500M or more in revenues annually for NIO by 2025. NIO's battery subscription model is a key differentiating factor.\n\n\n\nMarket Cap\nFY 2021 Est. Revenues\nP-S Ratio\nFY 2021 Est. EPS\nP-E Ratio\nEst. Year of Reaching Profitability\n\n\nNIO\n$67.22\n$5.41\n12.43\n-$0.54\n-\n2023\n\n\nXPeng\n$34.20\n$2.32\n14.74\n-$0.72\n-\n2024\n\n\nLi Auto\n$25.94\n$3.10\n8.37\n-$0.10\n-\n2022\n\n\n\n(Source: Author)\nRisks with NIO\nDespite strong business performance in Q2'21 and record deliveries, shares of NIO have retreated lately as the market adopted a 'wait-and-see' approach regarding China-based companies. This is because the Chinese government is increasingly assertive and has started to crack down on various sectors of the economy, specifically the E-Commerce, technology and social media sectors.\nThis accelerating government intervention is reducing the appeal of Chinese companies for US investors… although the risk of regulatory intervention in the electric vehicle market is low. Beijing promotes the adoption of EVs heavily and targets a 20% share of EVs by 2025… which makes it unlikely that the electric vehicle sector experiences the same crackdown as other sectors. However, Beijing getting more involved in the economy is not exactly helping the image of Chinese stocks in the US.\nAdditionally, companies that list on an American exchange indirectly through American Depositary Shares - like NIO - don't have to submit audited financial statements to a US regulator. This means that the market depends on unaudited financial statements and a good amount of trust when it comes to investing in China-based electric vehicle companies.\nAn interventionist Chinese government and the fact that China-based companies don't go through a rigorous process that makes sure that financial statements can be relied upon, are two big issues that may weigh on shares of NIO going forward. A de-listing of Chinese EV makers would be the worst outcome. In the case of a de-listing of China-based companies from US exchanges, NIO would become uninvestable. Right now, this is not the case and the risk of a complete de-listing is not high. However, if US-China relations deteriorate, NIO could face headwinds.\nFinal thoughts\nNIO had a great second-quarter that saw soaring revenues during the pandemic, narrower losses and a strong outlook for Q3'21… with potential upside in factory output as the semiconductor shortage eases.\nLosses are narrowing rapidly which means NIO could be profitable in FY 2023. Business performance is supported by strong execution and NIO will continue to grow rapidly. NIO's shares are a buy!","news_type":1,"symbols_score_info":{"NIO":0.9}},"isVote":1,"tweetType":1,"viewCount":3792,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":897128008,"gmtCreate":1628901050204,"gmtModify":1676529887549,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"Go NIO Go!!! [Grin]&nbsp;","listText":"Go NIO Go!!! [Grin]&nbsp;","text":"Go NIO Go!!! [Grin]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/897128008","repostId":"2159215359","repostType":4,"isVote":1,"tweetType":1,"viewCount":2467,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":894126084,"gmtCreate":1628812750448,"gmtModify":1676529860714,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"SoFi stock is way under valued. But I’m confidentit will bounce back by end of the year. [Grin]&nbsp;","listText":"SoFi stock is way under valued. But I’m confidentit will bounce back by end of the year. [Grin]&nbsp;","text":"SoFi stock is way under valued. But I’m confidentit will bounce back by end of the year. [Grin]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":9,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/894126084","repostId":"2159266201","repostType":4,"repost":{"id":"2159266201","kind":"highlight","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1628810211,"share":"https://ttm.financial/m/news/2159266201?lang=en_US&edition=fundamental","pubTime":"2021-08-13 07:16","market":"us","language":"en","title":"SoFi stock falls after its first earnings report, as profit outlook comes up short","url":"https://stock-news.laohu8.com/highlight/detail?id=2159266201","media":"Dow Jones","summary":"SoFi Technologies Inc. doubled revenue in its latest quarter, but issued an earnings outlook for the","content":"<p><a href=\"https://laohu8.com/S/SOFI\">SoFi Technologies Inc.</a> doubled revenue in its latest quarter, but issued an earnings outlook for the current period that came up lighter than what analysts were anticipating.</p>\n<p><img src=\"https://static.tigerbbs.com/6dc011babb8c7e2dedadefad42731d68\" tg-width=\"757\" tg-height=\"897\" width=\"100%\" height=\"auto\"></p>\n<p>The company reported a second-quarter net loss of $165.3 million, or 48 cents a share, whereas it recorded net income of $7.8 million a year earlier. Analysts tracked by FactSet were anticipating a 6-cent loss per share.</p>\n<p>SoFi's (SOFI) revenue rose to $231.3 million from $115.0 million, while analysts were expecting $218.6 million.</p>\n<p>Shares of SoFi were off more than 12% in after-hours trading Thursday following the report, which was SoFi's first since going public in June .</p>\n<p>The company's total member base grew to 2.6 million, up from 1.2 million a year earlier, while total products reached 3.7 million, up from 1.6 million a year ago. Both growth figures reflected expansion in SoFi's product offerings, the company said in its earnings report.</p>\n<p>Looking ahead to the third quarter, SoFi expects adjusted net revenue of $245 million to $255 million. It also expects earnings before interest, taxes, depreciation and amortization in the range of a $7 million loss to $3 million in earnings. Analysts tracked by FactSet were expecting positive Ebitda of $11.8 million.</p>\n<p>In the latest quarter, SoFi generated total net revenue of $166.3 million in its lending business, up from $95.9 million a year prior. It saw 981,440 product originations in the lending business, including 18,102 home loans, 544,068 personal loans and 419,270 student loans.</p>\n<p>The company's financial services segment recorded $17.0 million in revenue, up from $2.4 million a year earlier. The segment saw directly attributable expenses of $41.8 million, which brought the contribution loss to $24.7 million. A year earlier, SoFi recognized directly attributable expenses of $33.3 million that brought the contribution loss to $30.9 million.</p>\n<p>SoFi saw growth in its technology business, which mainly consists of the Galileo Financial Technologies operations that it acquired in May 2020. Galileo provides services to neobanks. It had 78.9 million accounts as of the second quarter, up from 36.0 million a year prior.</p>\n<p>Revenue from this segment increased to $45.3 million from $19.0 million. The company noted that it has engaged in heavy investments to migrate the technology operations to the cloud, expand geographically, and nearly double headcount for this part of the business.</p>\n<p><img src=\"https://static.tigerbbs.com/5a02ba62ac1c4732929cdaded1be4a7d\" tg-width=\"882\" tg-height=\"652\" width=\"100%\" height=\"auto\"></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SoFi stock falls after its first earnings report, as profit outlook comes up short</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSoFi stock falls after its first earnings report, as profit outlook comes up short\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2021-08-13 07:16</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<p><a href=\"https://laohu8.com/S/SOFI\">SoFi Technologies Inc.</a> doubled revenue in its latest quarter, but issued an earnings outlook for the current period that came up lighter than what analysts were anticipating.</p>\n<p><img src=\"https://static.tigerbbs.com/6dc011babb8c7e2dedadefad42731d68\" tg-width=\"757\" tg-height=\"897\" width=\"100%\" height=\"auto\"></p>\n<p>The company reported a second-quarter net loss of $165.3 million, or 48 cents a share, whereas it recorded net income of $7.8 million a year earlier. Analysts tracked by FactSet were anticipating a 6-cent loss per share.</p>\n<p>SoFi's (SOFI) revenue rose to $231.3 million from $115.0 million, while analysts were expecting $218.6 million.</p>\n<p>Shares of SoFi were off more than 12% in after-hours trading Thursday following the report, which was SoFi's first since going public in June .</p>\n<p>The company's total member base grew to 2.6 million, up from 1.2 million a year earlier, while total products reached 3.7 million, up from 1.6 million a year ago. Both growth figures reflected expansion in SoFi's product offerings, the company said in its earnings report.</p>\n<p>Looking ahead to the third quarter, SoFi expects adjusted net revenue of $245 million to $255 million. It also expects earnings before interest, taxes, depreciation and amortization in the range of a $7 million loss to $3 million in earnings. Analysts tracked by FactSet were expecting positive Ebitda of $11.8 million.</p>\n<p>In the latest quarter, SoFi generated total net revenue of $166.3 million in its lending business, up from $95.9 million a year prior. It saw 981,440 product originations in the lending business, including 18,102 home loans, 544,068 personal loans and 419,270 student loans.</p>\n<p>The company's financial services segment recorded $17.0 million in revenue, up from $2.4 million a year earlier. The segment saw directly attributable expenses of $41.8 million, which brought the contribution loss to $24.7 million. A year earlier, SoFi recognized directly attributable expenses of $33.3 million that brought the contribution loss to $30.9 million.</p>\n<p>SoFi saw growth in its technology business, which mainly consists of the Galileo Financial Technologies operations that it acquired in May 2020. Galileo provides services to neobanks. It had 78.9 million accounts as of the second quarter, up from 36.0 million a year prior.</p>\n<p>Revenue from this segment increased to $45.3 million from $19.0 million. The company noted that it has engaged in heavy investments to migrate the technology operations to the cloud, expand geographically, and nearly double headcount for this part of the business.</p>\n<p><img src=\"https://static.tigerbbs.com/5a02ba62ac1c4732929cdaded1be4a7d\" tg-width=\"882\" tg-height=\"652\" width=\"100%\" height=\"auto\"></p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2159266201","content_text":"SoFi Technologies Inc. doubled revenue in its latest quarter, but issued an earnings outlook for the current period that came up lighter than what analysts were anticipating.\n\nThe company reported a second-quarter net loss of $165.3 million, or 48 cents a share, whereas it recorded net income of $7.8 million a year earlier. Analysts tracked by FactSet were anticipating a 6-cent loss per share.\nSoFi's (SOFI) revenue rose to $231.3 million from $115.0 million, while analysts were expecting $218.6 million.\nShares of SoFi were off more than 12% in after-hours trading Thursday following the report, which was SoFi's first since going public in June .\nThe company's total member base grew to 2.6 million, up from 1.2 million a year earlier, while total products reached 3.7 million, up from 1.6 million a year ago. Both growth figures reflected expansion in SoFi's product offerings, the company said in its earnings report.\nLooking ahead to the third quarter, SoFi expects adjusted net revenue of $245 million to $255 million. It also expects earnings before interest, taxes, depreciation and amortization in the range of a $7 million loss to $3 million in earnings. Analysts tracked by FactSet were expecting positive Ebitda of $11.8 million.\nIn the latest quarter, SoFi generated total net revenue of $166.3 million in its lending business, up from $95.9 million a year prior. It saw 981,440 product originations in the lending business, including 18,102 home loans, 544,068 personal loans and 419,270 student loans.\nThe company's financial services segment recorded $17.0 million in revenue, up from $2.4 million a year earlier. The segment saw directly attributable expenses of $41.8 million, which brought the contribution loss to $24.7 million. A year earlier, SoFi recognized directly attributable expenses of $33.3 million that brought the contribution loss to $30.9 million.\nSoFi saw growth in its technology business, which mainly consists of the Galileo Financial Technologies operations that it acquired in May 2020. Galileo provides services to neobanks. It had 78.9 million accounts as of the second quarter, up from 36.0 million a year prior.\nRevenue from this segment increased to $45.3 million from $19.0 million. The company noted that it has engaged in heavy investments to migrate the technology operations to the cloud, expand geographically, and nearly double headcount for this part of the business.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"tweetType":1,"viewCount":2644,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":895128744,"gmtCreate":1628729741488,"gmtModify":1676529833434,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"NIO to the moon! Go NIO go! [Cool]&nbsp;","listText":"NIO to the moon! Go NIO go! [Cool]&nbsp;","text":"NIO to the moon! Go NIO go! [Cool]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/895128744","repostId":"1158059019","repostType":4,"repost":{"id":"1158059019","kind":"news","pubTimestamp":1628723143,"share":"https://ttm.financial/m/news/1158059019?lang=en_US&edition=fundamental","pubTime":"2021-08-12 07:05","market":"us","language":"en","title":"Nio released earnings Wednesday. Here’s how to value its stock compared to Tesla, Ford and other rivals","url":"https://stock-news.laohu8.com/highlight/detail?id=1158059019","media":"Market Wacth","summary":"Nio may be a relatively small company. But investors are bullish on the Chinese electric-vehicle mak","content":"<p>Nio may be a relatively small company. But investors are bullish on the Chinese electric-vehicle maker’s prospects.</p>\n<p>Chinese electric-vehicle maker Nio Inc., which sells no cars in the U.S., has a market capitalization of $60.2 billion. By that measure, it is larger than <a href=\"https://laohu8.com/S/F\">Ford</a> Motor Co., which was founded in 1903.</p>\n<p>That might make sense to you as an investor — after all, Nio is an innovative company that sells only electric vehicles. Ford is a legacy auto maker that is working to catch up and eventually make a full transition to electric vehicles. Shares of Nio have more than tripled in the past year, while Ford’s have almost doubled after cratering in the previous decade.</p>\n<p>So where does NioNIO,-0.57%,which reported second-quarter results after the stock market closes Wednesday, fit in an investment thesis? Below are screens showing how its stock valuation compares to vehicle production, and how that valuation relates to projected earnings through 2025.</p>\n<p>Doubling car production</p>\n<p>For the second quarter, Nio delivered 21,896 vehicles for a 112% increase from a year earlier. The growth is impressive, but the total number of vehicles sold is still relatively small.</p>\n<p>Here’s a look at the 10 largest auto makers by market capitalization, along with their second-quarter sales or delivery numbers (whichever was higher, if both were reported) and additional color below the table:<img src=\"https://static.tigerbbs.com/aab892102ecbb4cc4eda647df8269bb9\" tg-width=\"791\" tg-height=\"468\" referrerpolicy=\"no-referrer\">Click on the tickers for more about each company.</p>\n<p>You can see that those valuations are about the future, when innovators in the EV space — Tesla Inc.TSLA,-0.31%and Nio, on this list — may (or may not) become as large as legacy players.</p>\n<p>For now, FordF,+0.80%churns out mostly internal combustion engine (ICE) vehicles at nearly 35 times the rate that Nio makes EVs.</p>\n<p>One thing to be aware of is that the legacy auto makers don’t all report their unit sales the same way. Most don’t break out electric vehicle sales.</p>\n<p>Among those that do, definitions vary. For example, Toyota Motor Corp.TM,+0.82%7203,+0.98%reported that “electrified vehicle” sales made up 26.6% of total auto sales during the second quarter. But that category includes:</p>\n<ul>\n <li>HEV – hybrid EVs that are not plug-ins.</li>\n <li>PHEV – plug-in electric vehicles.</li>\n <li>BEV – battery electric vehicles.</li>\n <li>FCEV – fuel-cell electric vehicles.</li>\n</ul>\n<p>For Toyota, BEV made up only 0.2% of second-quarter sales, while they accounted for 100% of sales for Nio and Tesla. Toyota’s PHEV sales made up 1.4% of the total.</p>\n<p>Volkswagen AGVWAGY,+1.52%VOW,+0.60%reports electric-vehicle sales as including PHEV, which accounted for 6.7% of second-quarter sales, or BEV, which made up 4.4% of total sales. Those are impressive numbers: a combined 11.1%.</p>\n<p>For Bayerische Motoren Werke AktiengesellschaftBMWYY,+0.56%BMW,+0.54%,better known as BWM Group, a second-quarter breakdown of electric-vehicle deliveries isn’t yet available, but for the first half of 2021, 153,243 all-electric or plug-in hybrid vehicles were delivered, or 11.4% of total deliveries.</p>\n<p>Valuation to earnings estimates</p>\n<p>For companies at early stages, comparisons of price-to-earnings ratios may not mean very much. Such companies are focusing on growth rather than profits. An example of this has been <a href=\"https://laohu8.com/S/AMZN\">Amazon.com</a> Inc.AMZN,-0.86%,which has traded at a high P/E for decades as it has worked to expand into new lines of business, at the expense of the bottom line.</p>\n<p>A high P/E ratio can reflect investors’ enthusiasm for innovation and in the case of EVs, a political consensus for transforming the industry. So Nio and Tesla trade at much higher P/E ratios than the legacy auto makers.</p>\n<p>Then again, very low P/E may show too much contempt among investors for the older manufacturers, as they use their cash flow from continuing massive sales of traditional vehicles to fund their development of EVs. Opportunities may be highlighted.</p>\n<p>Normally a forward P/E ratio is calculated by dividing the share price by a rolling consensus estimate of earnings per share for 12 months. This isn’t available for all the companies listed here, so we’re using consensus estimates for net income for calendar 2022.</p>\n<p><a href=\"https://laohu8.com/S/FBNC\">First</a>, here are P/E ratios based on current market caps and consensus 2022 estimates among analysts polled by FactSet. The table includes the annual estimates going out to 2025, and also a P/E based on current market caps and the 2025 estimates:<img src=\"https://static.tigerbbs.com/40736da9fceac6db6166c509e26745b4\" tg-width=\"786\" tg-height=\"541\" referrerpolicy=\"no-referrer\">Nio is expected to become profitable in 2023. Looking out to 2024, its forward P/E is lower than that of Tesla. To put the forward P/E valuations in perspective, the S&amp;P 500 IndexSPX,+0.25%trades for a weighted 20.5 times consensus 2022 EPS estimates.</p>\n<p>Valuation to sales</p>\n<p><a href=\"https://laohu8.com/S/FORD\">Forward</a> price-to-sales estimates might be more useful for early-stage companies that are showing low profits or net losses. Then again, the same distortions apply: <a href=\"https://laohu8.com/S/ISBC\">Investors</a> love the pure-play EV makers now, and may be paying too much for them when you consider that shares of Nio have more than tripled over the past year, while Tesla’s stock has risen 150%.</p>\n<p>Here’s a similar set of data driving price-to-sale ratios, again using current market caps (in the first table at the top of this article) and consensus full-calendar-year estimates in millions of U.S. dollars:<img src=\"https://static.tigerbbs.com/c8a9291d237f12d658a1f5194ee8b9ef\" tg-width=\"783\" tg-height=\"446\" referrerpolicy=\"no-referrer\">For reference, the S&amp;P 500 trades for 2.7 times its consensus 2022 sales estimate.</p>\n<p>Analysts’ opinions</p>\n<p>Here’s a summary of opinion of the 10 auto makers among analysts polled by FactSet. For companies with primary listings outside the U.S., the local tickers are used. All share prices and targets are in local currencies:<img src=\"https://static.tigerbbs.com/f738c7bce6230dbfd6e1f87a8fc98186\" tg-width=\"785\" tg-height=\"450\" referrerpolicy=\"no-referrer\"></p>","source":"lsy1604288433698","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Nio released earnings Wednesday. Here’s how to value its stock compared to Tesla, Ford and other rivals</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nNio released earnings Wednesday. Here’s how to value its stock compared to Tesla, Ford and other rivals\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-08-12 07:05 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.marketwatch.com/story/nio-releases-earnings-wednesday-heres-how-to-value-its-stock-compared-to-tesla-ford-and-other-rivals-11628716814?mod=home-page><strong>Market Wacth</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Nio may be a relatively small company. But investors are bullish on the Chinese electric-vehicle maker’s prospects.\nChinese electric-vehicle maker Nio Inc., which sells no cars in the U.S., has a ...</p>\n\n<a href=\"https://www.marketwatch.com/story/nio-releases-earnings-wednesday-heres-how-to-value-its-stock-compared-to-tesla-ford-and-other-rivals-11628716814?mod=home-page\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"NIO":"蔚来","F":"福特汽车"},"source_url":"https://www.marketwatch.com/story/nio-releases-earnings-wednesday-heres-how-to-value-its-stock-compared-to-tesla-ford-and-other-rivals-11628716814?mod=home-page","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1158059019","content_text":"Nio may be a relatively small company. But investors are bullish on the Chinese electric-vehicle maker’s prospects.\nChinese electric-vehicle maker Nio Inc., which sells no cars in the U.S., has a market capitalization of $60.2 billion. By that measure, it is larger than Ford Motor Co., which was founded in 1903.\nThat might make sense to you as an investor — after all, Nio is an innovative company that sells only electric vehicles. Ford is a legacy auto maker that is working to catch up and eventually make a full transition to electric vehicles. Shares of Nio have more than tripled in the past year, while Ford’s have almost doubled after cratering in the previous decade.\nSo where does NioNIO,-0.57%,which reported second-quarter results after the stock market closes Wednesday, fit in an investment thesis? Below are screens showing how its stock valuation compares to vehicle production, and how that valuation relates to projected earnings through 2025.\nDoubling car production\nFor the second quarter, Nio delivered 21,896 vehicles for a 112% increase from a year earlier. The growth is impressive, but the total number of vehicles sold is still relatively small.\nHere’s a look at the 10 largest auto makers by market capitalization, along with their second-quarter sales or delivery numbers (whichever was higher, if both were reported) and additional color below the table:Click on the tickers for more about each company.\nYou can see that those valuations are about the future, when innovators in the EV space — Tesla Inc.TSLA,-0.31%and Nio, on this list — may (or may not) become as large as legacy players.\nFor now, FordF,+0.80%churns out mostly internal combustion engine (ICE) vehicles at nearly 35 times the rate that Nio makes EVs.\nOne thing to be aware of is that the legacy auto makers don’t all report their unit sales the same way. Most don’t break out electric vehicle sales.\nAmong those that do, definitions vary. For example, Toyota Motor Corp.TM,+0.82%7203,+0.98%reported that “electrified vehicle” sales made up 26.6% of total auto sales during the second quarter. But that category includes:\n\nHEV – hybrid EVs that are not plug-ins.\nPHEV – plug-in electric vehicles.\nBEV – battery electric vehicles.\nFCEV – fuel-cell electric vehicles.\n\nFor Toyota, BEV made up only 0.2% of second-quarter sales, while they accounted for 100% of sales for Nio and Tesla. Toyota’s PHEV sales made up 1.4% of the total.\nVolkswagen AGVWAGY,+1.52%VOW,+0.60%reports electric-vehicle sales as including PHEV, which accounted for 6.7% of second-quarter sales, or BEV, which made up 4.4% of total sales. Those are impressive numbers: a combined 11.1%.\nFor Bayerische Motoren Werke AktiengesellschaftBMWYY,+0.56%BMW,+0.54%,better known as BWM Group, a second-quarter breakdown of electric-vehicle deliveries isn’t yet available, but for the first half of 2021, 153,243 all-electric or plug-in hybrid vehicles were delivered, or 11.4% of total deliveries.\nValuation to earnings estimates\nFor companies at early stages, comparisons of price-to-earnings ratios may not mean very much. Such companies are focusing on growth rather than profits. An example of this has been Amazon.com Inc.AMZN,-0.86%,which has traded at a high P/E for decades as it has worked to expand into new lines of business, at the expense of the bottom line.\nA high P/E ratio can reflect investors’ enthusiasm for innovation and in the case of EVs, a political consensus for transforming the industry. So Nio and Tesla trade at much higher P/E ratios than the legacy auto makers.\nThen again, very low P/E may show too much contempt among investors for the older manufacturers, as they use their cash flow from continuing massive sales of traditional vehicles to fund their development of EVs. Opportunities may be highlighted.\nNormally a forward P/E ratio is calculated by dividing the share price by a rolling consensus estimate of earnings per share for 12 months. This isn’t available for all the companies listed here, so we’re using consensus estimates for net income for calendar 2022.\nFirst, here are P/E ratios based on current market caps and consensus 2022 estimates among analysts polled by FactSet. The table includes the annual estimates going out to 2025, and also a P/E based on current market caps and the 2025 estimates:Nio is expected to become profitable in 2023. Looking out to 2024, its forward P/E is lower than that of Tesla. To put the forward P/E valuations in perspective, the S&P 500 IndexSPX,+0.25%trades for a weighted 20.5 times consensus 2022 EPS estimates.\nValuation to sales\nForward price-to-sales estimates might be more useful for early-stage companies that are showing low profits or net losses. Then again, the same distortions apply: Investors love the pure-play EV makers now, and may be paying too much for them when you consider that shares of Nio have more than tripled over the past year, while Tesla’s stock has risen 150%.\nHere’s a similar set of data driving price-to-sale ratios, again using current market caps (in the first table at the top of this article) and consensus full-calendar-year estimates in millions of U.S. dollars:For reference, the S&P 500 trades for 2.7 times its consensus 2022 sales estimate.\nAnalysts’ opinions\nHere’s a summary of opinion of the 10 auto makers among analysts polled by FactSet. For companies with primary listings outside the U.S., the local tickers are used. All share prices and targets are in local currencies:","news_type":1,"symbols_score_info":{"NIO":0.9,"F":0.9}},"isVote":1,"tweetType":1,"viewCount":2711,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":896961794,"gmtCreate":1628552358318,"gmtModify":1703507873339,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"AMC will moon! Just need to be patient, buy and hodl. [Grin]&nbsp;","listText":"AMC will moon! Just need to be patient, buy and hodl. [Grin]&nbsp;","text":"AMC will moon! Just need to be patient, buy and hodl. [Grin]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":9,"commentSize":6,"repostSize":0,"link":"https://ttm.financial/post/896961794","repostId":"1175617447","repostType":4,"isVote":1,"tweetType":1,"viewCount":3524,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3560850463279443","authorId":"3560850463279443","name":"lesandyc","avatar":"https://static.tigerbbs.com/d76431adfa69aad1ff5ab1e357d9d9e3","crmLevel":11,"crmLevelSwitch":0,"authorIdStr":"3560850463279443","idStr":"3560850463279443"},"content":"Hmmm thinking to buy some","text":"Hmmm thinking to buy some","html":"Hmmm thinking to buy some"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":891612769,"gmtCreate":1628386039051,"gmtModify":1703505590023,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"That’s why there’s a saying that you will never berich making money in a honest way.","listText":"That’s why there’s a saying that you will never berich making money in a honest way.","text":"That’s why there’s a saying that you will never berich making money in a honest way.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":9,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/891612769","repostId":"1119792130","repostType":4,"isVote":1,"tweetType":1,"viewCount":1114,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":891995378,"gmtCreate":1628314418294,"gmtModify":1703504995338,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"Tesla, NIO, Li Auto, Xpeng are better buys","listText":"Tesla, NIO, Li Auto, Xpeng are better buys","text":"Tesla, NIO, Li Auto, Xpeng are better buys","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":4,"repostSize":0,"link":"https://ttm.financial/post/891995378","repostId":"1143051031","repostType":4,"isVote":1,"tweetType":1,"viewCount":1682,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":899492269,"gmtCreate":1628209381551,"gmtModify":1703503117109,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"I wonder who is really the one manipulating the stock. How can it be retail investors? What a joke.“AMC stock has mostly exploded higher as a result of misguided interest from a group of retail traders who believe that manipulating the price of the security higher will create an infinite short squeeze that some traders hope will eventually value the company in the hundreds of billions of dollars.”","listText":"I wonder who is really the one manipulating the stock. How can it be retail investors? What a joke.“AMC stock has mostly exploded higher as a result of misguided interest from a group of retail traders who believe that manipulating the price of the security higher will create an infinite short squeeze that some traders hope will eventually value the company in the hundreds of billions of dollars.”","text":"I wonder who is really the one manipulating the stock. How can it be retail investors? What a joke.“AMC stock has mostly exploded higher as a result of misguided interest from a group of retail traders who believe that manipulating the price of the security higher will create an infinite short squeeze that some traders hope will eventually value the company in the hundreds of billions of dollars.”","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/899492269","repostId":"1158295123","repostType":4,"isVote":1,"tweetType":1,"viewCount":1325,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":890261210,"gmtCreate":1628120460530,"gmtModify":1703501451858,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"Go AMD go! [Grin]&nbsp;","listText":"Go AMD go! [Grin]&nbsp;","text":"Go AMD go! [Grin]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/890261210","repostId":"1150930490","repostType":4,"isVote":1,"tweetType":1,"viewCount":1161,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":805353610,"gmtCreate":1627862579130,"gmtModify":1703496619425,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"Chinese EV makers are delivering better than expected results. I’m confident they will continue to do well.","listText":"Chinese EV makers are delivering better than expected results. I’m confident they will continue to do well.","text":"Chinese EV makers are delivering better than expected results. I’m confident they will continue to do well.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":13,"commentSize":2,"repostSize":0,"link":"https://ttm.financial/post/805353610","repostId":"1154563656","repostType":4,"repost":{"id":"1154563656","kind":"news","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1627858903,"share":"https://ttm.financial/m/news/1154563656?lang=en_US&edition=fundamental","pubTime":"2021-08-02 07:01","market":"us","language":"en","title":"Xpeng Motors delivered 8,040 vehicles in July 2021,a record month with a 228% increase YOY","url":"https://stock-news.laohu8.com/highlight/detail?id=1154563656","media":"Tiger Newspress","summary":"XPeng Inc. announced that the Company recorded its highest-ever monthly deliveries in July 2021 of 8,040 Smart EVs, representing a 228% increase year-over-year, and a 22% increase over the last month.8,040 vehicles delivered in July 2021, a record month with a 228% increase year-over-year. 6,054 P7s delivered in July 2021, the highest monthly deliveries since the P7’s launch. 38,778 total vehicles delivered year-to-date, a 388% increase year-over-year. Deliveries in July 2021 consisted of 6,054 ","content":"<p>XPeng Inc. announced that the Company recorded its highest-ever monthly deliveries in July 2021 of 8,040 Smart EVs, representing a 228% increase year-over-year, and a 22% increase over the last month. </p>\n<ul>\n <li>8,040 vehicles delivered in July 2021, a record month with a 228% increase year-over-year </li>\n</ul>\n<ul>\n <li>6,054 P7s delivered in July 2021, the highest monthly deliveries since the P7’s launch </li>\n</ul>\n<ul>\n <li>38,778 total vehicles delivered year-to-date, a 388% increase year-over-year </li>\n</ul>\n<p>Deliveries in July 2021 consisted of 6,054 P7s, the Company’s sports smart sedan, and 1,986 G3s, its smart compact SUV. </p>\n<p>As of 31 July 2021, year-to-date total deliveries of the Company reached 38,778 units, representing a 388% increase year-over-year. </p>\n<p>P7 deliveries continued record-breaking momentum in July 2021, reflecting the P7’s rising popularity among China’s tech-savvy consumers. In July 2021, at its first-year anniversary of customer deliveries, total P7 deliveries reach 40,612 since the launch. The P7’s Navigation Guided Pilot (NGP) highway solutions continuously increase appeal to a wider customer base, underpinning the Company’s commitment to technology innovation. </p>\n<p>The Company further expanded its product portfolio in July 2021, launching the G3i, the G3 SUV’s mid-phase facelift version with deliveries expected in September 2021. </p>\n<p>In July 2021, the Company announced the pre-sale price range of RMB160,000–RMB230,000 (post subsidies) for its third production model, the P5 family-friendly smart sedan. Being the world’s first mass-produced Smart EV equipped with auto-grade LiDAR technology, the P5 is already generating an enthusiastic response from consumers in the presale phase. The Company plans to launch the P5 in the third quarter 2021 with deliveries expected in the fourth quarter 2021.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Xpeng Motors delivered 8,040 vehicles in July 2021,a record month with a 228% increase YOY</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nXpeng Motors delivered 8,040 vehicles in July 2021,a record month with a 228% increase YOY\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time\">2021-08-02 07:01</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>XPeng Inc. announced that the Company recorded its highest-ever monthly deliveries in July 2021 of 8,040 Smart EVs, representing a 228% increase year-over-year, and a 22% increase over the last month. </p>\n<ul>\n <li>8,040 vehicles delivered in July 2021, a record month with a 228% increase year-over-year </li>\n</ul>\n<ul>\n <li>6,054 P7s delivered in July 2021, the highest monthly deliveries since the P7’s launch </li>\n</ul>\n<ul>\n <li>38,778 total vehicles delivered year-to-date, a 388% increase year-over-year </li>\n</ul>\n<p>Deliveries in July 2021 consisted of 6,054 P7s, the Company’s sports smart sedan, and 1,986 G3s, its smart compact SUV. </p>\n<p>As of 31 July 2021, year-to-date total deliveries of the Company reached 38,778 units, representing a 388% increase year-over-year. </p>\n<p>P7 deliveries continued record-breaking momentum in July 2021, reflecting the P7’s rising popularity among China’s tech-savvy consumers. In July 2021, at its first-year anniversary of customer deliveries, total P7 deliveries reach 40,612 since the launch. The P7’s Navigation Guided Pilot (NGP) highway solutions continuously increase appeal to a wider customer base, underpinning the Company’s commitment to technology innovation. </p>\n<p>The Company further expanded its product portfolio in July 2021, launching the G3i, the G3 SUV’s mid-phase facelift version with deliveries expected in September 2021. </p>\n<p>In July 2021, the Company announced the pre-sale price range of RMB160,000–RMB230,000 (post subsidies) for its third production model, the P5 family-friendly smart sedan. Being the world’s first mass-produced Smart EV equipped with auto-grade LiDAR technology, the P5 is already generating an enthusiastic response from consumers in the presale phase. The Company plans to launch the P5 in the third quarter 2021 with deliveries expected in the fourth quarter 2021.</p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"09868":"小鹏汽车-W","XPEV":"小鹏汽车"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1154563656","content_text":"XPeng Inc. announced that the Company recorded its highest-ever monthly deliveries in July 2021 of 8,040 Smart EVs, representing a 228% increase year-over-year, and a 22% increase over the last month. \n\n8,040 vehicles delivered in July 2021, a record month with a 228% increase year-over-year \n\n\n6,054 P7s delivered in July 2021, the highest monthly deliveries since the P7’s launch \n\n\n38,778 total vehicles delivered year-to-date, a 388% increase year-over-year \n\nDeliveries in July 2021 consisted of 6,054 P7s, the Company’s sports smart sedan, and 1,986 G3s, its smart compact SUV. \nAs of 31 July 2021, year-to-date total deliveries of the Company reached 38,778 units, representing a 388% increase year-over-year. \nP7 deliveries continued record-breaking momentum in July 2021, reflecting the P7’s rising popularity among China’s tech-savvy consumers. In July 2021, at its first-year anniversary of customer deliveries, total P7 deliveries reach 40,612 since the launch. The P7’s Navigation Guided Pilot (NGP) highway solutions continuously increase appeal to a wider customer base, underpinning the Company’s commitment to technology innovation. \nThe Company further expanded its product portfolio in July 2021, launching the G3i, the G3 SUV’s mid-phase facelift version with deliveries expected in September 2021. \nIn July 2021, the Company announced the pre-sale price range of RMB160,000–RMB230,000 (post subsidies) for its third production model, the P5 family-friendly smart sedan. Being the world’s first mass-produced Smart EV equipped with auto-grade LiDAR technology, the P5 is already generating an enthusiastic response from consumers in the presale phase. The Company plans to launch the P5 in the third quarter 2021 with deliveries expected in the fourth quarter 2021.","news_type":1,"symbols_score_info":{"XPEV":0.9,"09868":0.9}},"isVote":1,"tweetType":1,"viewCount":978,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":805328868,"gmtCreate":1627862210454,"gmtModify":1703496607772,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"With the earnings report coming up, it could go either higher or remain at current level of $15. We can only wait and see.//<a href=\"https://laohu8.com/U/3582668988155006\">@MengKeng</a>:I am also waiting for the best low price to buy so that I can make the biggest profit ?","listText":"With the earnings report coming up, it could go either higher or remain at current level of $15. We can only wait and see.//<a href=\"https://laohu8.com/U/3582668988155006\">@MengKeng</a>:I am also waiting for the best low price to buy so that I can make the biggest profit ?","text":"With the earnings report coming up, it could go either higher or remain at current level of $15. We can only wait and see.//@MengKeng:I am also waiting for the best low price to buy so that I can make the biggest profit ?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/805328868","repostId":"1147877145","repostType":4,"isVote":1,"tweetType":1,"viewCount":898,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":802280255,"gmtCreate":1627782616577,"gmtModify":1703495738187,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"Buying the dips is like buying on discount. Who doesn’t like discounts? [Grin]&nbsp;","listText":"Buying the dips is like buying on discount. Who doesn’t like discounts? [Grin]&nbsp;","text":"Buying the dips is like buying on discount. Who doesn’t like discounts? [Grin]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":9,"commentSize":2,"repostSize":0,"link":"https://ttm.financial/post/802280255","repostId":"1127411624","repostType":4,"repost":{"id":"1127411624","kind":"news","pubTimestamp":1627715622,"share":"https://ttm.financial/m/news/1127411624?lang=en_US&edition=fundamental","pubTime":"2021-07-31 15:13","market":"us","language":"en","title":"Here’s your to-do list before the stock market’s next dive","url":"https://stock-news.laohu8.com/highlight/detail?id=1127411624","media":"MarketWatch","summary":"After hibernating for months, the stock-market bears came out of their caves on July 19. That day, t","content":"<p>After hibernating for months, the stock-market bears came out of their caves on July 19. That day, the Dow Jones Industrial AverageDJIA,-0.42%tumbled 725 points or 2.1%. The bears hit a home run — at least for a day.</p>\n<p>As usual, everyone wanted to know why the market fell, and the analysts had prepared answers, from COVID-19’s Delta variant to the Consumer Price Index to overbought technical indicators.</p>\n<p>The truth is that nobody knows. People have multiple reasons for selling, so it’s ridiculous to blame one event. That said, a big contributor to the decline was automatic, computer-generated selling. Once large market participants, especially algos, started selling, there was a mad rush out of the door. No one wanted to be the last one out, so retail traders and institutions sold in a panic, which got more intense as the day went on.</p>\n<p>Technical indicators contributed as well: The weekly relative strength indicator (RSI) has been remarkably accurate in warning of a market reversal. Once RSI goes over 70 and stays there, buyers beware.&nbsp; After the July 26 market close, the RSI of the S&amp;P 500SPX,-0.54%stood at 71.36 on the weekly chart — an extremely overbought reading. Does this mean that the index is going to plunge tomorrow? No one knows. But RSI is giving a clue that the U.S. market is in the danger zone.</p>\n<p><b>The bad news bears can’t catch a break</b></p>\n<p>Before the bears could say, “I told you so,” the next day, July 20, the 700-plus point Dow selloff was erased by a 550-point Dow rally. The bulls forgot about the selloff and returned to celebrating, and gulping glass after glass of their favorite drink, “bull-ade.” Once again, the storm passed, but this time a little fear creeped into the bulls’ psyche. Before, the only fear was the fear of missing out on the next rally. Now, many investors realize the market can actually go down.</p>\n<p><b>What to do now</b></p>\n<p>The next time the market plunges and you’re experiencing a variety of emotions, the following guide might help:</p>\n<p><b>1. If you’re panicked</b>: Don’t do something; sit there. Do not buy, do not sell, just sit tight. In fact, turn off the computer or other devices. Don’t fret over how much paper money you lost that day. Exercise, walk, run, swim, ride a bike. Your goal is to reduce emotions so you can get a good night’s sleep. When the market stabilizes, reevaluate what you own. Do not make any big financial decisions on days like this.</p>\n<p><b>2. If you’re afraid</b>: Take it easy. The selloff will end eventually. There is no reason to panic. Again, reevaluate what you own when the market comes to its senses.</p>\n<p><b>3. If you’re unaffected:</b>Still, check your portfolio to make sure you are properly diversified. While it’s find to not care if the market falls, be sure you are hedged for a worst-case scenario. One day there will be a bear market that will last months or years. Be prepared.</p>\n<p><b>What specific actions should you take?</b></p>\n<p>Now that you’ve taken care of your emotional health, there are other financial decisions you can make. Let’s take a look atsome strategies and tacticsthat may help:</p>\n<ol>\n <li>Sell if the stocks or indexes you own fall below their 200-day moving averages. Note: The major indexes such as the Standard &amp; Poor’s 500SPX,-0.54%have not fallen below (and stayed below) their 200-day averages for a decade. When they do eventually, that is a clear sell signal.</li>\n <li>Create a long-term investment plan and follow it no matter what happens in the short term.</li>\n <li>Dollar-cost average into index funds.</li>\n <li>Diversify. This is the key to success in the stock market and in life. If you own only stocks, consider bonds, but talk to a financial professional (not your neighbor) before taking this step.</li>\n <li>Buy the big dips. This strategy still works. If you had bought the dip on July 19, you would have cleaned up on July 20. One day this strategy won’t work, but that day hasn’t come yet.</li>\n <li>Sell covered-call options. This is still an excellent way to generate extra income. This strategy is also ideal for disposing of unwanted stocks, and getting paid for it.</li>\n</ol>\n<p><b>Plan for the next correction or bear market</b></p>\n<p>After a 13-year bull market, the clock is ticking for U.S. stocks. While the bulls scored another victory this time, one day the market won’t reverse direction and will begin a steep correction, or worse yet, a bear market. That’s when you will be glad that you have a plan and an investment script to follow on the worst days.</p>\n<p>Know what you own, sell to the “sleep-well” point and diversify into a variety of financial products including cash and bonds. This way, when the market plunges again, you won’t make knee-jerk emotional decisions or suffer an anxiety attack.</p>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Here’s your to-do list before the stock market’s next dive</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nHere’s your to-do list before the stock market’s next dive\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-07-31 15:13 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.marketwatch.com/story/heres-your-to-do-list-before-the-stock-markets-next-dive-11627360870?mod=article_inline><strong>MarketWatch</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>After hibernating for months, the stock-market bears came out of their caves on July 19. That day, the Dow Jones Industrial AverageDJIA,-0.42%tumbled 725 points or 2.1%. The bears hit a home run — at ...</p>\n\n<a href=\"https://www.marketwatch.com/story/heres-your-to-do-list-before-the-stock-markets-next-dive-11627360870?mod=article_inline\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".SPX":"S&P 500 Index",".IXIC":"NASDAQ Composite","SPY":"标普500ETF",".DJI":"道琼斯"},"source_url":"https://www.marketwatch.com/story/heres-your-to-do-list-before-the-stock-markets-next-dive-11627360870?mod=article_inline","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1127411624","content_text":"After hibernating for months, the stock-market bears came out of their caves on July 19. That day, the Dow Jones Industrial AverageDJIA,-0.42%tumbled 725 points or 2.1%. The bears hit a home run — at least for a day.\nAs usual, everyone wanted to know why the market fell, and the analysts had prepared answers, from COVID-19’s Delta variant to the Consumer Price Index to overbought technical indicators.\nThe truth is that nobody knows. People have multiple reasons for selling, so it’s ridiculous to blame one event. That said, a big contributor to the decline was automatic, computer-generated selling. Once large market participants, especially algos, started selling, there was a mad rush out of the door. No one wanted to be the last one out, so retail traders and institutions sold in a panic, which got more intense as the day went on.\nTechnical indicators contributed as well: The weekly relative strength indicator (RSI) has been remarkably accurate in warning of a market reversal. Once RSI goes over 70 and stays there, buyers beware.  After the July 26 market close, the RSI of the S&P 500SPX,-0.54%stood at 71.36 on the weekly chart — an extremely overbought reading. Does this mean that the index is going to plunge tomorrow? No one knows. But RSI is giving a clue that the U.S. market is in the danger zone.\nThe bad news bears can’t catch a break\nBefore the bears could say, “I told you so,” the next day, July 20, the 700-plus point Dow selloff was erased by a 550-point Dow rally. The bulls forgot about the selloff and returned to celebrating, and gulping glass after glass of their favorite drink, “bull-ade.” Once again, the storm passed, but this time a little fear creeped into the bulls’ psyche. Before, the only fear was the fear of missing out on the next rally. Now, many investors realize the market can actually go down.\nWhat to do now\nThe next time the market plunges and you’re experiencing a variety of emotions, the following guide might help:\n1. If you’re panicked: Don’t do something; sit there. Do not buy, do not sell, just sit tight. In fact, turn off the computer or other devices. Don’t fret over how much paper money you lost that day. Exercise, walk, run, swim, ride a bike. Your goal is to reduce emotions so you can get a good night’s sleep. When the market stabilizes, reevaluate what you own. Do not make any big financial decisions on days like this.\n2. If you’re afraid: Take it easy. The selloff will end eventually. There is no reason to panic. Again, reevaluate what you own when the market comes to its senses.\n3. If you’re unaffected:Still, check your portfolio to make sure you are properly diversified. While it’s find to not care if the market falls, be sure you are hedged for a worst-case scenario. One day there will be a bear market that will last months or years. Be prepared.\nWhat specific actions should you take?\nNow that you’ve taken care of your emotional health, there are other financial decisions you can make. Let’s take a look atsome strategies and tacticsthat may help:\n\nSell if the stocks or indexes you own fall below their 200-day moving averages. Note: The major indexes such as the Standard & Poor’s 500SPX,-0.54%have not fallen below (and stayed below) their 200-day averages for a decade. When they do eventually, that is a clear sell signal.\nCreate a long-term investment plan and follow it no matter what happens in the short term.\nDollar-cost average into index funds.\nDiversify. This is the key to success in the stock market and in life. If you own only stocks, consider bonds, but talk to a financial professional (not your neighbor) before taking this step.\nBuy the big dips. This strategy still works. If you had bought the dip on July 19, you would have cleaned up on July 20. One day this strategy won’t work, but that day hasn’t come yet.\nSell covered-call options. This is still an excellent way to generate extra income. This strategy is also ideal for disposing of unwanted stocks, and getting paid for it.\n\nPlan for the next correction or bear market\nAfter a 13-year bull market, the clock is ticking for U.S. stocks. While the bulls scored another victory this time, one day the market won’t reverse direction and will begin a steep correction, or worse yet, a bear market. That’s when you will be glad that you have a plan and an investment script to follow on the worst days.\nKnow what you own, sell to the “sleep-well” point and diversify into a variety of financial products including cash and bonds. This way, when the market plunges again, you won’t make knee-jerk emotional decisions or suffer an anxiety attack.","news_type":1,"symbols_score_info":{"SPY":0.9,".SPX":0.9,".IXIC":0.9,".DJI":0.9}},"isVote":1,"tweetType":1,"viewCount":836,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3572923586954779","authorId":"3572923586954779","name":"LimLS","avatar":"https://static.tigerbbs.com/217b03b0c4808fb537070ba4e8f9d83f","crmLevel":12,"crmLevelSwitch":1,"authorIdStr":"3572923586954779","idStr":"3572923586954779"},"content":"unless we are buy dips of hyped up stocks... it might end up being just reverting to its norm. But buying dips for strong quality companies are valid. FAANG are good examples","text":"unless we are buy dips of hyped up stocks... it might end up being just reverting to its norm. But buying dips for strong quality companies are valid. FAANG are good examples","html":"unless we are buy dips of hyped up stocks... it might end up being just reverting to its norm. But buying dips for strong quality companies are valid. FAANG are good examples"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":806451593,"gmtCreate":1627690499212,"gmtModify":1703494659878,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"NIO has lots of growth potential. Buy the dip and hold for long term gains.","listText":"NIO has lots of growth potential. Buy the dip and hold for long term gains.","text":"NIO has lots of growth potential. Buy the dip and hold for long term gains.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":10,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/806451593","repostId":"1137888611","repostType":4,"repost":{"id":"1137888611","kind":"news","pubTimestamp":1627688479,"share":"https://ttm.financial/m/news/1137888611?lang=en_US&edition=fundamental","pubTime":"2021-07-31 07:41","market":"us","language":"en","title":"Nio, XPeng, Li Shares Rise, as China EV Stocks Rebound","url":"https://stock-news.laohu8.com/highlight/detail?id=1137888611","media":"The Street","summary":"NIO, Li Auto and Xpeng continued the recovery from their July 21-27 drop Friday, even as other U.S.-","content":"<blockquote>\n NIO, Li Auto and Xpeng continued the recovery from their July 21-27 drop Friday, even as other U.S.-listed China stocks fell.\n</blockquote>\n<p>Chinese electric vehicle stocks, including NIO&nbsp;(<b>NIO</b>) , Li Auto&nbsp;(<b>LI</b>) and Xpeng&nbsp;(<b>XPEV</b>) , continued the rebound from their July 21-27 drop Friday, even as other U.S.-listed China stocks fell.</p>\n<p>Nio gained 4% to $44.50, Li 11% to $33.97 and Xpeng 9% to $41.38. Meanwhile, Alibaba BABA slid 2% to $195.19 and Didi DIDI 3% to $9.57.</p>\n<p>Fear of stringent Chinese regulation is depressing non-EV stocks. But China hasn’t made much noise about cracking down on EV makers. It’s an industry the government would like to dominate.</p>\n<p>So it may have no desire to put the hammer down on EV companies, and that’s likely buttressing their shares Friday.</p>\n<p>When it comes to U.S. EV stocks, Tesla&nbsp;(<b>TSLA</b>) -Get Report&nbsp;is the big daddy, of course. Its shares are up 5% to $677.75 Friday, leaving them up 8% for the past five days.</p>\n<p>The companyposted stronger-than-expected earningsfor the second quarter Monday and said it's on track to build the first Model Y sedans from new facilities in Austin and Berlin before year-end.</p>\n<p>Chief Executive Elon Musk, however, added in an investor call following the earnings report that the global shortage in semiconductor supplies remains \"quite serious\" and could impact production rates over the second half of the year.</p>\n<p>Volume growth will depend on the availability of other parts in the global supply chain, he said.</p>\n<p>Musk also said he would no longer participate in regular earnings calls, unless he had \"something really important to say\".</p>\n<p>Tesla said adjusted profit for the latest quarter was $1.45 per share, creaming analysts’ consensus forecast of 98 cents.</p>","source":"lsy1610613172068","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Nio, XPeng, Li Shares Rise, as China EV Stocks Rebound</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nNio, XPeng, Li Shares Rise, as China EV Stocks Rebound\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-07-31 07:41 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.thestreet.com/investing/china-ev-stocks-rebound-nio-xpeng-li><strong>The Street</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>NIO, Li Auto and Xpeng continued the recovery from their July 21-27 drop Friday, even as other U.S.-listed China stocks fell.\n\nChinese electric vehicle stocks, including NIO (NIO) , Li Auto (LI) and ...</p>\n\n<a href=\"https://www.thestreet.com/investing/china-ev-stocks-rebound-nio-xpeng-li\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"NIO":"蔚来","XPEV":"小鹏汽车","LI":"理想汽车"},"source_url":"https://www.thestreet.com/investing/china-ev-stocks-rebound-nio-xpeng-li","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1137888611","content_text":"NIO, Li Auto and Xpeng continued the recovery from their July 21-27 drop Friday, even as other U.S.-listed China stocks fell.\n\nChinese electric vehicle stocks, including NIO (NIO) , Li Auto (LI) and Xpeng (XPEV) , continued the rebound from their July 21-27 drop Friday, even as other U.S.-listed China stocks fell.\nNio gained 4% to $44.50, Li 11% to $33.97 and Xpeng 9% to $41.38. Meanwhile, Alibaba BABA slid 2% to $195.19 and Didi DIDI 3% to $9.57.\nFear of stringent Chinese regulation is depressing non-EV stocks. But China hasn’t made much noise about cracking down on EV makers. It’s an industry the government would like to dominate.\nSo it may have no desire to put the hammer down on EV companies, and that’s likely buttressing their shares Friday.\nWhen it comes to U.S. EV stocks, Tesla (TSLA) -Get Report is the big daddy, of course. Its shares are up 5% to $677.75 Friday, leaving them up 8% for the past five days.\nThe companyposted stronger-than-expected earningsfor the second quarter Monday and said it's on track to build the first Model Y sedans from new facilities in Austin and Berlin before year-end.\nChief Executive Elon Musk, however, added in an investor call following the earnings report that the global shortage in semiconductor supplies remains \"quite serious\" and could impact production rates over the second half of the year.\nVolume growth will depend on the availability of other parts in the global supply chain, he said.\nMusk also said he would no longer participate in regular earnings calls, unless he had \"something really important to say\".\nTesla said adjusted profit for the latest quarter was $1.45 per share, creaming analysts’ consensus forecast of 98 cents.","news_type":1,"symbols_score_info":{"XPEV":0.9,"NIO":0.9,"LI":0.9}},"isVote":1,"tweetType":1,"viewCount":1134,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":801290437,"gmtCreate":1627517418729,"gmtModify":1703491413639,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"Great, finally AMD recovers [Grin]&nbsp;","listText":"Great, finally AMD recovers [Grin]&nbsp;","text":"Great, finally AMD recovers [Grin]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/801290437","repostId":"2154721924","repostType":4,"repost":{"id":"2154721924","kind":"highlight","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1627486574,"share":"https://ttm.financial/m/news/2154721924?lang=en_US&edition=fundamental","pubTime":"2021-07-28 23:36","market":"us","language":"en","title":"Why AMD's Stock Is Trading Higher Today","url":"https://stock-news.laohu8.com/highlight/detail?id=2154721924","media":"Tiger Newspress","summary":"AMD is trading higher Wednesday morning after the company late Tuesday announced better-than-expecte","content":"<p>AMD is trading higher Wednesday morning after the company late Tuesday announced better-than-expected second-quarter financial results and issued third-quarter guidance above estimates.</p>\n<p>AMD reported quarterly earnings of 63 cents per share, which beat the estimate of 54 cents per share. The company reported quarterly revenue of $3.85 billion, which beat the estimate of $3.62 billion. AMD said it expects third-quarter revenue to be in a range of $4 billion to $4.2 billion, which was&nbsp;higher than the estimate of $3.82 billion.</p>\n<p>\"Our business performed exceptionally well in the second quarter as revenue and operating margin doubled and profitability more than tripled year-over-year,” said Lisa Su,&nbsp;president and CEO of AMD.</p>\n<p><b>Analyst Assessment:</b>&nbsp;Rosenblatt analyst Hans Mosesmann maintained&nbsp;AMD&nbsp;with a Buy rating and raised&nbsp;the price target from&nbsp;$135&nbsp;to&nbsp;$150.</p>\n<p>Susquehanna analyst Christopher Rolland maintained&nbsp;AMD&nbsp;with a Positive rating and raised&nbsp;the price target from&nbsp;$125&nbsp;to&nbsp;$130.</p>\n<p><b>Price Action: </b>AMD has traded as high as $99.23 and as low as $67.02 over a 52-week period.</p>\n<p>At last check Wednesday, the stock was up 5% at $95.6.</p>\n<p><img src=\"https://static.tigerbbs.com/a0dd3dd7be87bfa480b05a3c26ee3f62\" tg-width=\"840\" tg-height=\"470\" referrerpolicy=\"no-referrer\"></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Why AMD's Stock Is Trading Higher Today</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWhy AMD's Stock Is Trading Higher Today\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time\">2021-07-28 23:36</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>AMD is trading higher Wednesday morning after the company late Tuesday announced better-than-expected second-quarter financial results and issued third-quarter guidance above estimates.</p>\n<p>AMD reported quarterly earnings of 63 cents per share, which beat the estimate of 54 cents per share. The company reported quarterly revenue of $3.85 billion, which beat the estimate of $3.62 billion. AMD said it expects third-quarter revenue to be in a range of $4 billion to $4.2 billion, which was&nbsp;higher than the estimate of $3.82 billion.</p>\n<p>\"Our business performed exceptionally well in the second quarter as revenue and operating margin doubled and profitability more than tripled year-over-year,” said Lisa Su,&nbsp;president and CEO of AMD.</p>\n<p><b>Analyst Assessment:</b>&nbsp;Rosenblatt analyst Hans Mosesmann maintained&nbsp;AMD&nbsp;with a Buy rating and raised&nbsp;the price target from&nbsp;$135&nbsp;to&nbsp;$150.</p>\n<p>Susquehanna analyst Christopher Rolland maintained&nbsp;AMD&nbsp;with a Positive rating and raised&nbsp;the price target from&nbsp;$125&nbsp;to&nbsp;$130.</p>\n<p><b>Price Action: </b>AMD has traded as high as $99.23 and as low as $67.02 over a 52-week period.</p>\n<p>At last check Wednesday, the stock was up 5% at $95.6.</p>\n<p><img src=\"https://static.tigerbbs.com/a0dd3dd7be87bfa480b05a3c26ee3f62\" tg-width=\"840\" tg-height=\"470\" referrerpolicy=\"no-referrer\"></p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AMD":"美国超微公司"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2154721924","content_text":"AMD is trading higher Wednesday morning after the company late Tuesday announced better-than-expected second-quarter financial results and issued third-quarter guidance above estimates.\nAMD reported quarterly earnings of 63 cents per share, which beat the estimate of 54 cents per share. The company reported quarterly revenue of $3.85 billion, which beat the estimate of $3.62 billion. AMD said it expects third-quarter revenue to be in a range of $4 billion to $4.2 billion, which was higher than the estimate of $3.82 billion.\n\"Our business performed exceptionally well in the second quarter as revenue and operating margin doubled and profitability more than tripled year-over-year,” said Lisa Su, president and CEO of AMD.\nAnalyst Assessment: Rosenblatt analyst Hans Mosesmann maintained AMD with a Buy rating and raised the price target from $135 to $150.\nSusquehanna analyst Christopher Rolland maintained AMD with a Positive rating and raised the price target from $125 to $130.\nPrice Action: AMD has traded as high as $99.23 and as low as $67.02 over a 52-week period.\nAt last check Wednesday, the stock was up 5% at $95.6.","news_type":1,"symbols_score_info":{"AMD":0.9}},"isVote":1,"tweetType":1,"viewCount":1484,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":803177704,"gmtCreate":1627430103608,"gmtModify":1703489680862,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3585873168332779","idStr":"3585873168332779"},"themes":[],"htmlText":"Great opportunity to pick up some before it starts to run. At current price of $14-15, it’s a discount buy! [Grin]&nbsp;","listText":"Great opportunity to pick up some before it starts to run. At current price of $14-15, it’s a discount buy! [Grin]&nbsp;","text":"Great opportunity to pick up some before it starts to run. At current price of $14-15, it’s a discount buy! [Grin]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/803177704","repostId":"1139811761","repostType":2,"repost":{"id":"1139811761","kind":"news","pubTimestamp":1627378490,"share":"https://ttm.financial/m/news/1139811761?lang=en_US&edition=fundamental","pubTime":"2021-07-27 17:34","market":"us","language":"en","title":"SoFi Technologies: A Next Generation Banking Disruptor","url":"https://stock-news.laohu8.com/highlight/detail?id=1139811761","media":"seekingalpha","summary":"Summary\n\nSOFI started off as a simple provider of loans, and has since expanded its offerings to enc","content":"<p><b>Summary</b></p>\n<ul>\n <li>SOFI started off as a simple provider of loans, and has since expanded its offerings to encompass a large array of services that make for a compelling fintech ecosystem.</li>\n <li>Against traditional banks and fintech players, SOFI has a competitive advantage, as a result of its horizontally integrated offerings cutting across many areas of fintech and banking.</li>\n <li>When valued as a traditional bank, SOFI checks off all the boxes for a compelling business, with a strategy that will likely lead to stellar metrics in the long run.</li>\n <li>SOFI can also be seen as undervalued relative to expectations, which suggests the strong likelihood of upside even at this price.</li>\n <li>While there might be salient risks in an investment in this newly-IPOed company, its strategic positioning and strong fundamentals give investors confidence that they will be able to outperform in the long run.</li>\n</ul>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/86757d2b7d17b7fe7071210bad77f795\" tg-width=\"1536\" tg-height=\"800\" width=\"100%\" height=\"auto\"><span>ipopba/iStock via Getty Images</span></p>\n<p><b>Introduction</b></p>\n<p>SoFI(NASDAQ:SOFI)represents the next generation of banking, and plays into a growing fintech industry. They started off as a simple provider of loans in the student loan market, and have since expanded their offerings to encompass a large array of services in the consumer finance sector - from personal loans, home loans, and even to insurance, credit card services, cash management, brokerage services and recently to payments and financial services APIs for enterprises.</p>\n<p>Unsurprisingly, their diverse and integrated ecosystem of services in a single app has gotten SOFI tremendous user growth, as increasingly frustrated customers of traditional banks opt to switch to SOFI for the ease of convenience. Q1'21 was their best showing yet, with a year-on-year increase of over 110% in members, as well a 121% y/y increase in the number of products sold.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/2687200d2eb156aaaf3715e1d94bc0b1\" tg-width=\"640\" tg-height=\"361\" width=\"100%\" height=\"auto\"><span>(Accelerating User Growth. Source:SoFI Q1'21 Investors Presentation)</span></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/fdeb614c065bc50b1727d89843549d6c\" tg-width=\"640\" tg-height=\"331\" width=\"100%\" height=\"auto\"><span>(Accelerating Product Growth. Source: SoFI Q1'21 Investors Presentation)</span></p>\n<p>Crucially, SOFI's integrated platform differentiates them from traditional banking peers as well as new age fintech players. From the angle of a traditional bank, SOFI appears to check-off all the boxes for a compelling business, which gives investors confidence that they are operating a model that is sustainable in the long-run.</p>\n<p><b>Competitive Advantage</b></p>\n<p>Typically, there are a few metrics to look at when evaluating traditional banks. These include, customer acquisition costs, lifetime value of consumers, interest and non-interest income, as well as investment quality. From each of these angles, SOFI appears poised to outcompete peers, be it from traditional banking or from other fintech players.</p>\n<p><b>Low Customer Acquisition Costs But High Lifetime Value of Consumers</b></p>\n<p>Critically, banks seek revenue growth through two means: increasing the number of customers that they have, and increasing the value they are able to derive from each of their customers through selling them different financial products. This is akin to a traditional consumer electronics firm like Apple(NASDAQ:AAPL), where their goal is to get more people to buy their products, and increase their bargaining power against consumers to get them to spend more on products.</p>\n<p>Here, SOFI has an advantage over other banks and other fintech firms because of its horizontal diversification to different aspects of consumer finance and to traditional lending as well.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/8245af4c17fbe75bcaf938b49c12062d\" tg-width=\"640\" tg-height=\"339\" width=\"100%\" height=\"auto\"><span>(SoFi has a large range of products that is constantly expanding. Source:SoFi 2021 Investors Presentation.)</span></p>\n<p>As part of its strategy, SOFI intends on building a full suite of consumer finance as well as banking services to each of its individuals on a single platform. Currently, they offer a range of products from high-frequency, high-volume but low-value financial services such as SoFi Money, Relay and Invest, to low-frequency, low-volume but high-value financial services such as Home Loans, In-School Loans as well as Personal loans. The former category relies on taking a small cut on a large volume of small transactions, while the latter category monetizes from large interest payments from a large capital base. These happen to cut across many categories of fintech as shown in the fintech map provided by Business Insider:</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/ff4568c118cc17271759796b6d7e48d1\" tg-width=\"640\" tg-height=\"480\" width=\"100%\" height=\"auto\"><span>(The fintech ecosystem and some players within it. Source:Business Insider)</span></p>\n<p>Against fintech firms that primarily monetize on the former category such as payment processors like PayPal(NASDAQ:PYPL), peer-to-peer lending apps like Cash App from Square(NYSE:SQ)and brokerages like Robinhood (HOOD), SOFI is able to differentiate sufficiently using the latter category of financial services. This is because high-frequency financial services typically have lower margins and rely on the increase in volume and size of transactions as well as growth of their userbase to sustain revenue growth. With high-value loans earning high interest income, SOFI is able to theoretically derive more revenue per customer in the long run, without the need for as high of a userbase growth. SOFI certainly is aiming for high user growth as well, but the point here is that there is an additional lever for SOFI to pull in pursuing revenue growth - preferentially selling users high-value products already in its ecosystem - which reduces the need to devote significant resources to marketing strategies to fuel growth.</p>\n<p>Against traditional banks, SOFI differentiates itself using its low-cost consumer acquisition strategy, enabled through cross-buy opportunities. Instead of directly pursuing user growth with the proposition of selling them high-value financial services, SOFI eases consumers into the ecosystem by giving them free access to low-value but high-frequency products. From that point, it is easier to rope consumers into the higher-value financial services since it is simply getting them to press a few buttons with an account they already have.</p>\n<p>According to SOFI's official pitch deck for their PIPE presentation, the combination of low-value financial products and high value loans on the same app increases the opportunity that its customers cross-buy into these loans. Since the customer was acquired with low cost into its low-value offerings, the variable profit per customer that cross-buys into high-value loans now increases by 180% compared to when obtaining that same loan customer through traditional means.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/991b3363d25bc185f927e2cb8c71f066\" tg-width=\"640\" tg-height=\"320\" width=\"100%\" height=\"auto\"><span>(SoFi's Cross-buy opportunities. Source: SoFi 2021 Investors Presentation.)</span></p>\n<p>Higher margins will directly translate into the greater ability to reinvest in diversifying their products further or to expand internationally, both of which can help feed into further growth in the future.</p>\n<p>In a nutshell, SOFI's unique business model that ties in multiple aspects of fintech helps them to achieve impressive unit economics but at the same time high lifetime value per consumer, through low customer acquisition costs and opportunities for cross-buy. These two factors together will serve to differentiate SOFI from both the burgeoning fintech sector as well as traditional banks.</p>\n<p><b>Future Interest and Loan Income</b></p>\n<p>For SOFI's lending and cash management products, they primarily earn through a gain-on-sale model where they repackage loans made to customer and sell these loans to other large financial institutions or securitization channels. For loans still on their balance sheet, SOFI also earns an interest income on these loans.</p>\n<p>However, unlike a traditional bank, SOFI is currently unable to use the deposits made by SoFi Money Members to fund its loans because it does not have a national bank charter. Instead, SOFI relies almost entirely on warehouse financing facilities to originate loans and sell them to customers. This involves borrowing from large financial institutions, since a warehouse facility is essentially a large line of credit that they extend to SOFI for the purpose of loaning.</p>\n<p>For SOFI Money, the interest income they are able to earn on their member's deposits is also constrained because of the middleman that they rely on to provide cash management facilities in lieu of SOFI's inability to function as a bank holding company.</p>\n<p>While banks significantly increasing their interest and loan income in the future may not be a sure thing, SOFI will easily be able to secure a higher return on their loans as well as a higher interest income by securing a national bank charter. For one, the bank charter will allow them to use the money that its members deposit with them to fund their loans and therefore use their capital resources more efficiently without relying on a third party for financing options. Alternatively, when combined with existing warehousing facilities, having access to a pool of deposit money will allow SOFI to grow their loan base and therefore increase interest income levels at a higher rate. Cutting out the middleman will allow them to save on premiums paid for these intermediary warehousing or cash management services and therefore earn a greater net interest margin.</p>\n<p>In October last year, the OCC already issued a preliminary conditional approval of their application to be chartered as a de novo national bank.</p>\n<p>As an alternative route to securing a national bank charter,SOFI also entered an agreementto acquire Golden Pacific Bancorp. Their preliminary conditional approval to be chartered as a de novo national bank in October last year may help them to hasten the process of approval for the acquisition and increase the odds of approval, but we will have to see the results in November this year.</p>\n<p>While there is an inherent risk of SOFI not being able to secure this bank charter, the risk/reward balance is asymmetrical because the tailwinds form being able to secure this charter greatly outweighs the downside from failing to do so. In the former case, revenues will begin to skyrocket, but in the latter case, SOFI's cross-buy strategy will still allow them to return better unit economics than most peers, and still grow albeit at a slower than expected pace.</p>\n<p><b>Value-adding via Noninterest, Non-loan income</b></p>\n<p>Their ability to generate non-interest income is a differentiating factor from many traditional banks from the value-add perspective, not just from the unit economics perspective.</p>\n<p>On the consumer end, the presence of many integrated features in a single app allows them to avoid the trouble of having to sign up with multiple banks under multiple accounts to enjoy the same suite of services. Currently, more than 50% of Americans use more than one bank for financial services, which presents an opportunity to value-add via the promise of greater convenience and accessibility to a whole suite of financial products.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/310d5df2201205c227d7882783385f34\" tg-width=\"640\" tg-height=\"570\" width=\"100%\" height=\"auto\"><span>(More than half of Americans use more than one bank, suggesting the opportunity for consolidation. Source: SoFi 2021 Investors Presentation)</span></p>\n<p>Apart from consumer-facing products, SOFI has also expanded recently to the fintech infrastructure side of things through their acquisition of Galileo, which is apayments and financial services API platform. Galileo will likely mark the first steps into expanding towards a seller-side ecosystem focusing on connecting producers to other producers as well as their own sellers, helping SOFI to further diversify itself towards more areas of fintech to fuel user growth.</p>\n<p>While interest income is still crucial in the long term for maximizing the value per consumer, non-interest income crucially assists in hedging against poor macroeconomic headwinds that may cause a fall in net interest margin. For instance, while SOFI may not be able to charge high interest rates on its loans in a low interest rate environment, the increase in willingness to spend may lead to an increased volume of transactions on its payment network services as well as its brokerage services as cost of borrowing decreases.</p>\n<p>Other macroeconomic conditions like a global pandemic or an ageing population may lead to a decrease in risk attitudes and hence an increased willingness to save instead of borrowing to finance big-ticket purchases. However, SOFI is again able to hedge against this because risk-averse attitudes are typically correlated with an increase in demand for insurance policies, such as business continuity insurance or health insurance, on which SOFI earns a referral fee from third-party underwriters.</p>\n<p>As of 2020, SOFI's Noninterest income less loan income less only takes up 20% of overall net revenue. This may not be as significant as its loan and interest income, but it still takes up a sufficiently large portion of revenues to effectively hedge against macroeconomic headwinds.</p>\n<p><b>Risk Attitudes, Returns on Investment and Investment Quality</b></p>\n<p>Currently, SOFI targets a specific group of high earners not well served, who are individuals of ages 22+ that earn more than $100,000 annually. These individuals tend to have a relatively low default risk as their incomes are more stable, which allows them to reduce allocation to bad loans. For their student loan financing, in-school loans, personal loans and home loan segments, the weighted average origination FICO scores of their members were 770, 783, 765 and 763 respectively, which represent the higher percentile range of FICO scores.</p>\n<p>In the future, SOFI's large range of product offerings across many different consumer finance segments will act as a moat that will enable them to shoulder more risk and theoretically earn a higher net interest margin. With their suite of high-volume financial products such as investing, payment/transaction and credit card services, SOFI will be able to outline a better risk profile of their customers using data about spending habits. Since such data is more nuanced than what can be expressed in a FICO score or other credit ratings, SOFI will be able to better estimate the borrowing risk that is inherent to each consumer. This will allow them to expand their loan base and loan to more risky individuals while charging them a higher interest rate to account for risk, while reducing the extent of any potential losses incurred from bad loans.</p>\n<p>Expanding to the enterprise side of things such as through the acquisition of Galileo can further improve the datasets they already have to paint a better picture of consumer risk profiles through even more transaction data. This also opens up the opportunity to expand towards providing business loans to enterprises using data that they have about firm performance, adding yet another avenue for growth and interest income.</p>\n<p><b>Valuation</b></p>\n<p>SOFI's intrinsic value was found by discounting the terminal value of excess returns earned after FY25, and adding that to the book value of equity invested currently. In this case, the terminal value calculated was based on the excess returns earned above the market return and not absolute return, because the benchmark of a financial service firm's performance should be based on how much they are able to earn above the market rate. A traditional bank can be valued more accurately and simply using a Gordon growth model by projecting dividends over time, but since SOFI is neither profitable nor offering dividends, we are unable to use this method.</p>\n<p>In addition, relative ratios do not work because SOFI currently has negative earnings (invalidating P/E valuation), and has a negative tangible book value (invalidating P/TBV valuation). Other metrics like EV/EBITDA or EV/Sales used in a typical relative ratio analysis also cannot be used because enterprise value is typically not calculated for financial services firms because it is difficult to distinguish debt from customer deposits and financing debt.</p>\n<p>Below outlines the key assumptions used to value SOFI.</p>\n<p><b>Valuation Assumptions</b></p>\n<ul>\n <li>Revenues were projected based on two main categories: interest related income as well as non-interest income. The former category refers to interest income earned on loans, securitizations, and related party notes. The latter category refers to non-interest revenue such as SOFI's technology platform, referral fees, brokerage fees, as well as loan origination and sales.</li>\n</ul>\n<ul>\n <li>SOFI has some investment assets in the form of bonds, ETFS, and others on their balance sheet. I assume that these investments earn a constant ROI of 6% in line with the market risk premium. The increase in value of these assets will allow SOFI to shoulder more debt via their warehousing facilities and use a portion of this debt raised to finance their loan offerings to consumers. This will be based on the ratio of debt to investment assets, and loan to debt.</li>\n</ul>\n<ul>\n <li>In FY19 and FY20, the debt to investment asset ratios were 5.41x and 7.16x respectively. From FY21 to FY25, I took the average debt to investment asset ratio at 6.29x.</li>\n</ul>\n<ul>\n <li>The loan to debt ratios in the same period of FY19 and FY20 were 1.15x and 1.02x respectively. From FY21 to FY25, I took the average ratio at 1.08x.</li>\n</ul>\n<ul>\n <li>Finally, SOFI earns an interest income on these loans that varied from 7-11% in the past 3 years. Without factoring in the impact of the bank charter, I assume that the firm will be able to earn a constant interest rate of around 9% on these loans.</li>\n</ul>\n<ul>\n <li>Non-interest income has been doubling or more for the previous few fiscal years. For the sake of conservative valuation, I will assume a decreasing growth rate of 60% in FY21 to 20% in FY25 for this segment. This will likely cause a large underestimation of revenues for the next 5 years, as segments such as Galileo will likely provide significant non-interest income for the firm.</li>\n</ul>\n<ul>\n <li>Cost and expenses follow the FY20 percentage of revenues. This is excluding interest expense which was projected using a separate schedule and hinges on estimated financing for the next few years. Share-based compensation expense was also projected separately, using a 3-year average percentage of revenues.</li>\n</ul>\n<p>Other assumptions used to balance the model are listed below:</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/1d541fcc8ba039276af2108320fe2014\" tg-width=\"640\" tg-height=\"211\" width=\"100%\" height=\"auto\"><span>(Other DCF Assumptions. Source: Author)</span></p>\n<p><b>Terminal Value and DCF Results</b></p>\n<p>To reiterate, intrinsic equity value of the firm is contingent on the current book value of equity invested as well as the terminal value of excess returns earned, calculated using the metrics below.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/15aafdf761795232b9a903dc360b1991\" tg-width=\"353\" tg-height=\"117\" width=\"100%\" height=\"auto\"><span>(Ratios and Metrics used to calculate terminal value of excess returns. Source: Author)</span></p>\n<p>Stable ROE value is the average value of ROE obtained from peers as shown in the image below, since it is reasonable to assume that SOFI can earn a return on equity on par with traditional banks. The terminal beta is the current average beta of these peers.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/fd3df2107e1e53c81faa82e17bf83b32\" tg-width=\"640\" tg-height=\"135\" width=\"100%\" height=\"auto\"><span>(Peer Average ROE and Beta ratios. Source: Tikr.com)</span></p>\n<p>The results are summarized in the football field below. After varying ROE, revenue growth, cost and expenses and various ratios, the range of values obtained were 14.62 at the 25th percentile and 33.32 at the 75th percentile. At the median estimate of 21.70, there is an implied upside of around 43% from its current price, which suggests a high degree of undervaluation relative to expectations. This falls in line with current analyst estimates, and well within the 52-week trading range of the firm. The large degree of uncertainty about its intrinsic value may be some cause for concern, but seeing that SOFI's current price is not too far off from the low end of estimates, there is an asymmetric opportunity in an investment in SOFI.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/6d78fdbe30dd8af9e71d65fbdaf46a34\" tg-width=\"640\" tg-height=\"413\" width=\"100%\" height=\"auto\"><span>(Football field for SOFI. Source: Author)</span></p>\n<p><b>Salient Risks</b></p>\n<p><b>Substitutes and New Entrants</b></p>\n<p>What differentiates SOFI from their competition is their full suite of services cutting across many sectors of fintech.</p>\n<p>It is challenging for new entrants and peers to mimic its offerings by simply expanding and acquiring new firms, because there will be significant regulatory and financial capital hurdles. Nonetheless, other firms can still opt to specialize, for example, in low-value but high-frequency financial services like payments with low barriers.</p>\n<p>However, specialization might be a threat to SOFI in the long term because the more niche firms tend to have a more nuanced focus on product strategy, so it ends up fitting their target consumer more. This will likely translate to a more loyal userbase in the future.</p>\n<p>In contrast, a diversification strategy has a focus on giving consumers more choices on a single platform, and while not necessarily mutually exclusive, may lead to a certain degree of compromise on product quality and how watertight their ecosystem will be. In other words, specialists might be able to serve their target audience better in the future.</p>\n<p>Both are valid ways gain users and to survive amidst cutthroat competition. For SOFI, the bet is essentially on consumers switching because they want the benefit of convenience, but they may not be that sticky in the long term as compared to specialist firms like PYPL or SQ that have their sights on running exclusively a payments and transaction platform. We will need to see how this plays out in the long term, but this is something worth nothing as a competitive risk.</p>\n<p><b>Outcompeted by Traditional Banks</b></p>\n<p>Even though SOFI's multi-dimensional consumer data from their suite of services can serve as a differentiating factor in the long run, the datasets are still quite small in comparison to the decades of credit card, spending, income, and loan repayment data at the hands of banks that have been running for much longer than SOFI has. This suggests the greater ability of banks to tolerate more risk than SOFI, so these banks can afford to make loans to more risky individuals and at the same time earn a higher interest income.</p>\n<p>Whether SOFI's proprietary risk model can lead to greater returns in the long term compared to the decades of transaction data in the servers of traditional banks remains quite speculative. For all the talk about their preferential ability to model risk with multi-dimensional data, datasets across time may turn out to be better predictors of risk than datasets across space, so SOFI will have to wait to gain more decades of data before they are able to expand their loan services to more risky individuals.</p>\n<p>On the same note of competition from traditional banks, there is a risk that they will be able to innovate a whole ecosystem of services like SOFI, including payments, transactions, loans and investing on a single platform. If their new app or platform becomes equally as convenient as SOFI's, then user growth on the part of SOFI may be impacting, which may impede their path towards profitability.</p>\n<p>In developed Asian markets, digital banking is now almost universal, with pandemic trends further accelerating the push towards digital banking infrastructure. While digital banks in other geographies are mostly startups like SOFI, digital banking in Asia ismostly driven by incumbent playerswho have innovated sufficiently to keep up with digitalizing trends. This suggests the possibility of incumbent banks to also innovate similarly, and cause SOFI's offerings to appear less appealing by comparison.</p>\n<p><b>Bank Charter Risk</b></p>\n<p>Earlier on, I argued that even without the national bank charter, SOFI's integrated ecosystem will still allow them to enjoy excellent unit economics and grow their consumer base while expanding the lifetime value of their consumers. However, the failure to secure the bank charter might cause their outlook to turn pessimistic, and result in poor price performance in the short term. Their failure to secure a bank charter will also suggest the increased likelihood of continued dominance by large banking institutions, which may cause an outflow in investment capital away from fintech.</p>\n<p><b>Conclusion</b></p>\n<p>Despite the risks at hand, there are also many opportunities that can help to catalyze upward price action. For one, SOFI may turn profitable in the coming quarters, which can make it salient to investors that they actually have a sustainable business model, and is further proof of their excellent unit economics. In their recent Q1'21 presentation, SOFI reiterated their guidance of 3% adjusted EBITDA margin by the end of the year, making this scenario even more likely to occur. SOFI securing a national bank charter will almost certainly improve their outlook for the future, as it validates their positioning as a future-oriented banking institution.</p>\n<p>While many factors such as their ability to secure the bank charter, their ability to outcompete traditional banks and fintech players, and ability to shoulder more risk in the future still remain uncertain, their excellent strategic positioning gives me confidence that it will occur. With their current undervaluation and stellar fundamentals, there is a clear asymmetric opportunity in an investment in SOFI.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SoFi Technologies: A Next Generation Banking Disruptor</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; 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}\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSoFi Technologies: A Next Generation Banking Disruptor\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-07-27 17:34 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4441446-sofi-technologies-a-banking-disruptor><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Summary\n\nSOFI started off as a simple provider of loans, and has since expanded its offerings to encompass a large array of services that make for a compelling fintech ecosystem.\nAgainst traditional ...</p>\n\n<a href=\"https://seekingalpha.com/article/4441446-sofi-technologies-a-banking-disruptor\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://seekingalpha.com/article/4441446-sofi-technologies-a-banking-disruptor","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1139811761","content_text":"Summary\n\nSOFI started off as a simple provider of loans, and has since expanded its offerings to encompass a large array of services that make for a compelling fintech ecosystem.\nAgainst traditional banks and fintech players, SOFI has a competitive advantage, as a result of its horizontally integrated offerings cutting across many areas of fintech and banking.\nWhen valued as a traditional bank, SOFI checks off all the boxes for a compelling business, with a strategy that will likely lead to stellar metrics in the long run.\nSOFI can also be seen as undervalued relative to expectations, which suggests the strong likelihood of upside even at this price.\nWhile there might be salient risks in an investment in this newly-IPOed company, its strategic positioning and strong fundamentals give investors confidence that they will be able to outperform in the long run.\n\nipopba/iStock via Getty Images\nIntroduction\nSoFI(NASDAQ:SOFI)represents the next generation of banking, and plays into a growing fintech industry. They started off as a simple provider of loans in the student loan market, and have since expanded their offerings to encompass a large array of services in the consumer finance sector - from personal loans, home loans, and even to insurance, credit card services, cash management, brokerage services and recently to payments and financial services APIs for enterprises.\nUnsurprisingly, their diverse and integrated ecosystem of services in a single app has gotten SOFI tremendous user growth, as increasingly frustrated customers of traditional banks opt to switch to SOFI for the ease of convenience. Q1'21 was their best showing yet, with a year-on-year increase of over 110% in members, as well a 121% y/y increase in the number of products sold.\n(Accelerating User Growth. Source:SoFI Q1'21 Investors Presentation)\n(Accelerating Product Growth. Source: SoFI Q1'21 Investors Presentation)\nCrucially, SOFI's integrated platform differentiates them from traditional banking peers as well as new age fintech players. From the angle of a traditional bank, SOFI appears to check-off all the boxes for a compelling business, which gives investors confidence that they are operating a model that is sustainable in the long-run.\nCompetitive Advantage\nTypically, there are a few metrics to look at when evaluating traditional banks. These include, customer acquisition costs, lifetime value of consumers, interest and non-interest income, as well as investment quality. From each of these angles, SOFI appears poised to outcompete peers, be it from traditional banking or from other fintech players.\nLow Customer Acquisition Costs But High Lifetime Value of Consumers\nCritically, banks seek revenue growth through two means: increasing the number of customers that they have, and increasing the value they are able to derive from each of their customers through selling them different financial products. This is akin to a traditional consumer electronics firm like Apple(NASDAQ:AAPL), where their goal is to get more people to buy their products, and increase their bargaining power against consumers to get them to spend more on products.\nHere, SOFI has an advantage over other banks and other fintech firms because of its horizontal diversification to different aspects of consumer finance and to traditional lending as well.\n(SoFi has a large range of products that is constantly expanding. Source:SoFi 2021 Investors Presentation.)\nAs part of its strategy, SOFI intends on building a full suite of consumer finance as well as banking services to each of its individuals on a single platform. Currently, they offer a range of products from high-frequency, high-volume but low-value financial services such as SoFi Money, Relay and Invest, to low-frequency, low-volume but high-value financial services such as Home Loans, In-School Loans as well as Personal loans. The former category relies on taking a small cut on a large volume of small transactions, while the latter category monetizes from large interest payments from a large capital base. These happen to cut across many categories of fintech as shown in the fintech map provided by Business Insider:\n(The fintech ecosystem and some players within it. Source:Business Insider)\nAgainst fintech firms that primarily monetize on the former category such as payment processors like PayPal(NASDAQ:PYPL), peer-to-peer lending apps like Cash App from Square(NYSE:SQ)and brokerages like Robinhood (HOOD), SOFI is able to differentiate sufficiently using the latter category of financial services. This is because high-frequency financial services typically have lower margins and rely on the increase in volume and size of transactions as well as growth of their userbase to sustain revenue growth. With high-value loans earning high interest income, SOFI is able to theoretically derive more revenue per customer in the long run, without the need for as high of a userbase growth. SOFI certainly is aiming for high user growth as well, but the point here is that there is an additional lever for SOFI to pull in pursuing revenue growth - preferentially selling users high-value products already in its ecosystem - which reduces the need to devote significant resources to marketing strategies to fuel growth.\nAgainst traditional banks, SOFI differentiates itself using its low-cost consumer acquisition strategy, enabled through cross-buy opportunities. Instead of directly pursuing user growth with the proposition of selling them high-value financial services, SOFI eases consumers into the ecosystem by giving them free access to low-value but high-frequency products. From that point, it is easier to rope consumers into the higher-value financial services since it is simply getting them to press a few buttons with an account they already have.\nAccording to SOFI's official pitch deck for their PIPE presentation, the combination of low-value financial products and high value loans on the same app increases the opportunity that its customers cross-buy into these loans. Since the customer was acquired with low cost into its low-value offerings, the variable profit per customer that cross-buys into high-value loans now increases by 180% compared to when obtaining that same loan customer through traditional means.\n(SoFi's Cross-buy opportunities. Source: SoFi 2021 Investors Presentation.)\nHigher margins will directly translate into the greater ability to reinvest in diversifying their products further or to expand internationally, both of which can help feed into further growth in the future.\nIn a nutshell, SOFI's unique business model that ties in multiple aspects of fintech helps them to achieve impressive unit economics but at the same time high lifetime value per consumer, through low customer acquisition costs and opportunities for cross-buy. These two factors together will serve to differentiate SOFI from both the burgeoning fintech sector as well as traditional banks.\nFuture Interest and Loan Income\nFor SOFI's lending and cash management products, they primarily earn through a gain-on-sale model where they repackage loans made to customer and sell these loans to other large financial institutions or securitization channels. For loans still on their balance sheet, SOFI also earns an interest income on these loans.\nHowever, unlike a traditional bank, SOFI is currently unable to use the deposits made by SoFi Money Members to fund its loans because it does not have a national bank charter. Instead, SOFI relies almost entirely on warehouse financing facilities to originate loans and sell them to customers. This involves borrowing from large financial institutions, since a warehouse facility is essentially a large line of credit that they extend to SOFI for the purpose of loaning.\nFor SOFI Money, the interest income they are able to earn on their member's deposits is also constrained because of the middleman that they rely on to provide cash management facilities in lieu of SOFI's inability to function as a bank holding company.\nWhile banks significantly increasing their interest and loan income in the future may not be a sure thing, SOFI will easily be able to secure a higher return on their loans as well as a higher interest income by securing a national bank charter. For one, the bank charter will allow them to use the money that its members deposit with them to fund their loans and therefore use their capital resources more efficiently without relying on a third party for financing options. Alternatively, when combined with existing warehousing facilities, having access to a pool of deposit money will allow SOFI to grow their loan base and therefore increase interest income levels at a higher rate. Cutting out the middleman will allow them to save on premiums paid for these intermediary warehousing or cash management services and therefore earn a greater net interest margin.\nIn October last year, the OCC already issued a preliminary conditional approval of their application to be chartered as a de novo national bank.\nAs an alternative route to securing a national bank charter,SOFI also entered an agreementto acquire Golden Pacific Bancorp. Their preliminary conditional approval to be chartered as a de novo national bank in October last year may help them to hasten the process of approval for the acquisition and increase the odds of approval, but we will have to see the results in November this year.\nWhile there is an inherent risk of SOFI not being able to secure this bank charter, the risk/reward balance is asymmetrical because the tailwinds form being able to secure this charter greatly outweighs the downside from failing to do so. In the former case, revenues will begin to skyrocket, but in the latter case, SOFI's cross-buy strategy will still allow them to return better unit economics than most peers, and still grow albeit at a slower than expected pace.\nValue-adding via Noninterest, Non-loan income\nTheir ability to generate non-interest income is a differentiating factor from many traditional banks from the value-add perspective, not just from the unit economics perspective.\nOn the consumer end, the presence of many integrated features in a single app allows them to avoid the trouble of having to sign up with multiple banks under multiple accounts to enjoy the same suite of services. Currently, more than 50% of Americans use more than one bank for financial services, which presents an opportunity to value-add via the promise of greater convenience and accessibility to a whole suite of financial products.\n(More than half of Americans use more than one bank, suggesting the opportunity for consolidation. Source: SoFi 2021 Investors Presentation)\nApart from consumer-facing products, SOFI has also expanded recently to the fintech infrastructure side of things through their acquisition of Galileo, which is apayments and financial services API platform. Galileo will likely mark the first steps into expanding towards a seller-side ecosystem focusing on connecting producers to other producers as well as their own sellers, helping SOFI to further diversify itself towards more areas of fintech to fuel user growth.\nWhile interest income is still crucial in the long term for maximizing the value per consumer, non-interest income crucially assists in hedging against poor macroeconomic headwinds that may cause a fall in net interest margin. For instance, while SOFI may not be able to charge high interest rates on its loans in a low interest rate environment, the increase in willingness to spend may lead to an increased volume of transactions on its payment network services as well as its brokerage services as cost of borrowing decreases.\nOther macroeconomic conditions like a global pandemic or an ageing population may lead to a decrease in risk attitudes and hence an increased willingness to save instead of borrowing to finance big-ticket purchases. However, SOFI is again able to hedge against this because risk-averse attitudes are typically correlated with an increase in demand for insurance policies, such as business continuity insurance or health insurance, on which SOFI earns a referral fee from third-party underwriters.\nAs of 2020, SOFI's Noninterest income less loan income less only takes up 20% of overall net revenue. This may not be as significant as its loan and interest income, but it still takes up a sufficiently large portion of revenues to effectively hedge against macroeconomic headwinds.\nRisk Attitudes, Returns on Investment and Investment Quality\nCurrently, SOFI targets a specific group of high earners not well served, who are individuals of ages 22+ that earn more than $100,000 annually. These individuals tend to have a relatively low default risk as their incomes are more stable, which allows them to reduce allocation to bad loans. For their student loan financing, in-school loans, personal loans and home loan segments, the weighted average origination FICO scores of their members were 770, 783, 765 and 763 respectively, which represent the higher percentile range of FICO scores.\nIn the future, SOFI's large range of product offerings across many different consumer finance segments will act as a moat that will enable them to shoulder more risk and theoretically earn a higher net interest margin. With their suite of high-volume financial products such as investing, payment/transaction and credit card services, SOFI will be able to outline a better risk profile of their customers using data about spending habits. Since such data is more nuanced than what can be expressed in a FICO score or other credit ratings, SOFI will be able to better estimate the borrowing risk that is inherent to each consumer. This will allow them to expand their loan base and loan to more risky individuals while charging them a higher interest rate to account for risk, while reducing the extent of any potential losses incurred from bad loans.\nExpanding to the enterprise side of things such as through the acquisition of Galileo can further improve the datasets they already have to paint a better picture of consumer risk profiles through even more transaction data. This also opens up the opportunity to expand towards providing business loans to enterprises using data that they have about firm performance, adding yet another avenue for growth and interest income.\nValuation\nSOFI's intrinsic value was found by discounting the terminal value of excess returns earned after FY25, and adding that to the book value of equity invested currently. In this case, the terminal value calculated was based on the excess returns earned above the market return and not absolute return, because the benchmark of a financial service firm's performance should be based on how much they are able to earn above the market rate. A traditional bank can be valued more accurately and simply using a Gordon growth model by projecting dividends over time, but since SOFI is neither profitable nor offering dividends, we are unable to use this method.\nIn addition, relative ratios do not work because SOFI currently has negative earnings (invalidating P/E valuation), and has a negative tangible book value (invalidating P/TBV valuation). Other metrics like EV/EBITDA or EV/Sales used in a typical relative ratio analysis also cannot be used because enterprise value is typically not calculated for financial services firms because it is difficult to distinguish debt from customer deposits and financing debt.\nBelow outlines the key assumptions used to value SOFI.\nValuation Assumptions\n\nRevenues were projected based on two main categories: interest related income as well as non-interest income. The former category refers to interest income earned on loans, securitizations, and related party notes. The latter category refers to non-interest revenue such as SOFI's technology platform, referral fees, brokerage fees, as well as loan origination and sales.\n\n\nSOFI has some investment assets in the form of bonds, ETFS, and others on their balance sheet. I assume that these investments earn a constant ROI of 6% in line with the market risk premium. The increase in value of these assets will allow SOFI to shoulder more debt via their warehousing facilities and use a portion of this debt raised to finance their loan offerings to consumers. This will be based on the ratio of debt to investment assets, and loan to debt.\n\n\nIn FY19 and FY20, the debt to investment asset ratios were 5.41x and 7.16x respectively. From FY21 to FY25, I took the average debt to investment asset ratio at 6.29x.\n\n\nThe loan to debt ratios in the same period of FY19 and FY20 were 1.15x and 1.02x respectively. From FY21 to FY25, I took the average ratio at 1.08x.\n\n\nFinally, SOFI earns an interest income on these loans that varied from 7-11% in the past 3 years. Without factoring in the impact of the bank charter, I assume that the firm will be able to earn a constant interest rate of around 9% on these loans.\n\n\nNon-interest income has been doubling or more for the previous few fiscal years. For the sake of conservative valuation, I will assume a decreasing growth rate of 60% in FY21 to 20% in FY25 for this segment. This will likely cause a large underestimation of revenues for the next 5 years, as segments such as Galileo will likely provide significant non-interest income for the firm.\n\n\nCost and expenses follow the FY20 percentage of revenues. This is excluding interest expense which was projected using a separate schedule and hinges on estimated financing for the next few years. Share-based compensation expense was also projected separately, using a 3-year average percentage of revenues.\n\nOther assumptions used to balance the model are listed below:\n(Other DCF Assumptions. Source: Author)\nTerminal Value and DCF Results\nTo reiterate, intrinsic equity value of the firm is contingent on the current book value of equity invested as well as the terminal value of excess returns earned, calculated using the metrics below.\n(Ratios and Metrics used to calculate terminal value of excess returns. Source: Author)\nStable ROE value is the average value of ROE obtained from peers as shown in the image below, since it is reasonable to assume that SOFI can earn a return on equity on par with traditional banks. The terminal beta is the current average beta of these peers.\n(Peer Average ROE and Beta ratios. Source: Tikr.com)\nThe results are summarized in the football field below. After varying ROE, revenue growth, cost and expenses and various ratios, the range of values obtained were 14.62 at the 25th percentile and 33.32 at the 75th percentile. At the median estimate of 21.70, there is an implied upside of around 43% from its current price, which suggests a high degree of undervaluation relative to expectations. This falls in line with current analyst estimates, and well within the 52-week trading range of the firm. The large degree of uncertainty about its intrinsic value may be some cause for concern, but seeing that SOFI's current price is not too far off from the low end of estimates, there is an asymmetric opportunity in an investment in SOFI.\n(Football field for SOFI. Source: Author)\nSalient Risks\nSubstitutes and New Entrants\nWhat differentiates SOFI from their competition is their full suite of services cutting across many sectors of fintech.\nIt is challenging for new entrants and peers to mimic its offerings by simply expanding and acquiring new firms, because there will be significant regulatory and financial capital hurdles. Nonetheless, other firms can still opt to specialize, for example, in low-value but high-frequency financial services like payments with low barriers.\nHowever, specialization might be a threat to SOFI in the long term because the more niche firms tend to have a more nuanced focus on product strategy, so it ends up fitting their target consumer more. This will likely translate to a more loyal userbase in the future.\nIn contrast, a diversification strategy has a focus on giving consumers more choices on a single platform, and while not necessarily mutually exclusive, may lead to a certain degree of compromise on product quality and how watertight their ecosystem will be. In other words, specialists might be able to serve their target audience better in the future.\nBoth are valid ways gain users and to survive amidst cutthroat competition. For SOFI, the bet is essentially on consumers switching because they want the benefit of convenience, but they may not be that sticky in the long term as compared to specialist firms like PYPL or SQ that have their sights on running exclusively a payments and transaction platform. We will need to see how this plays out in the long term, but this is something worth nothing as a competitive risk.\nOutcompeted by Traditional Banks\nEven though SOFI's multi-dimensional consumer data from their suite of services can serve as a differentiating factor in the long run, the datasets are still quite small in comparison to the decades of credit card, spending, income, and loan repayment data at the hands of banks that have been running for much longer than SOFI has. This suggests the greater ability of banks to tolerate more risk than SOFI, so these banks can afford to make loans to more risky individuals and at the same time earn a higher interest income.\nWhether SOFI's proprietary risk model can lead to greater returns in the long term compared to the decades of transaction data in the servers of traditional banks remains quite speculative. For all the talk about their preferential ability to model risk with multi-dimensional data, datasets across time may turn out to be better predictors of risk than datasets across space, so SOFI will have to wait to gain more decades of data before they are able to expand their loan services to more risky individuals.\nOn the same note of competition from traditional banks, there is a risk that they will be able to innovate a whole ecosystem of services like SOFI, including payments, transactions, loans and investing on a single platform. If their new app or platform becomes equally as convenient as SOFI's, then user growth on the part of SOFI may be impacting, which may impede their path towards profitability.\nIn developed Asian markets, digital banking is now almost universal, with pandemic trends further accelerating the push towards digital banking infrastructure. While digital banks in other geographies are mostly startups like SOFI, digital banking in Asia ismostly driven by incumbent playerswho have innovated sufficiently to keep up with digitalizing trends. This suggests the possibility of incumbent banks to also innovate similarly, and cause SOFI's offerings to appear less appealing by comparison.\nBank Charter Risk\nEarlier on, I argued that even without the national bank charter, SOFI's integrated ecosystem will still allow them to enjoy excellent unit economics and grow their consumer base while expanding the lifetime value of their consumers. However, the failure to secure the bank charter might cause their outlook to turn pessimistic, and result in poor price performance in the short term. Their failure to secure a bank charter will also suggest the increased likelihood of continued dominance by large banking institutions, which may cause an outflow in investment capital away from fintech.\nConclusion\nDespite the risks at hand, there are also many opportunities that can help to catalyze upward price action. For one, SOFI may turn profitable in the coming quarters, which can make it salient to investors that they actually have a sustainable business model, and is further proof of their excellent unit economics. In their recent Q1'21 presentation, SOFI reiterated their guidance of 3% adjusted EBITDA margin by the end of the year, making this scenario even more likely to occur. SOFI securing a national bank charter will almost certainly improve their outlook for the future, as it validates their positioning as a future-oriented banking institution.\nWhile many factors such as their ability to secure the bank charter, their ability to outcompete traditional banks and fintech players, and ability to shoulder more risk in the future still remain uncertain, their excellent strategic positioning gives me confidence that it will occur. With their current undervaluation and stellar fundamentals, there is a clear asymmetric opportunity in an investment in SOFI.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"tweetType":1,"viewCount":760,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":896961794,"gmtCreate":1628552358318,"gmtModify":1703507873339,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3585873168332779","authorIdStr":"3585873168332779"},"themes":[],"htmlText":"AMC will moon! Just need to be patient, buy and hodl. [Grin]&nbsp;","listText":"AMC will moon! Just need to be patient, buy and hodl. [Grin]&nbsp;","text":"AMC will moon! Just need to be patient, buy and hodl. [Grin]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":9,"commentSize":6,"repostSize":0,"link":"https://ttm.financial/post/896961794","repostId":"1175617447","repostType":4,"isVote":1,"tweetType":1,"viewCount":3524,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3560850463279443","authorId":"3560850463279443","name":"lesandyc","avatar":"https://static.tigerbbs.com/d76431adfa69aad1ff5ab1e357d9d9e3","crmLevel":11,"crmLevelSwitch":0,"idStr":"3560850463279443","authorIdStr":"3560850463279443"},"content":"Hmmm thinking to buy some","text":"Hmmm thinking to buy some","html":"Hmmm thinking to buy some"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":805353610,"gmtCreate":1627862579130,"gmtModify":1703496619425,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3585873168332779","authorIdStr":"3585873168332779"},"themes":[],"htmlText":"Chinese EV makers are delivering better than expected results. I’m confident they will continue to do well.","listText":"Chinese EV makers are delivering better than expected results. I’m confident they will continue to do well.","text":"Chinese EV makers are delivering better than expected results. I’m confident they will continue to do well.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":13,"commentSize":2,"repostSize":0,"link":"https://ttm.financial/post/805353610","repostId":"1154563656","repostType":4,"repost":{"id":"1154563656","kind":"news","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1627858903,"share":"https://ttm.financial/m/news/1154563656?lang=en_US&edition=fundamental","pubTime":"2021-08-02 07:01","market":"us","language":"en","title":"Xpeng Motors delivered 8,040 vehicles in July 2021,a record month with a 228% increase YOY","url":"https://stock-news.laohu8.com/highlight/detail?id=1154563656","media":"Tiger Newspress","summary":"XPeng Inc. announced that the Company recorded its highest-ever monthly deliveries in July 2021 of 8,040 Smart EVs, representing a 228% increase year-over-year, and a 22% increase over the last month.8,040 vehicles delivered in July 2021, a record month with a 228% increase year-over-year. 6,054 P7s delivered in July 2021, the highest monthly deliveries since the P7’s launch. 38,778 total vehicles delivered year-to-date, a 388% increase year-over-year. Deliveries in July 2021 consisted of 6,054 ","content":"<p>XPeng Inc. announced that the Company recorded its highest-ever monthly deliveries in July 2021 of 8,040 Smart EVs, representing a 228% increase year-over-year, and a 22% increase over the last month. </p>\n<ul>\n <li>8,040 vehicles delivered in July 2021, a record month with a 228% increase year-over-year </li>\n</ul>\n<ul>\n <li>6,054 P7s delivered in July 2021, the highest monthly deliveries since the P7’s launch </li>\n</ul>\n<ul>\n <li>38,778 total vehicles delivered year-to-date, a 388% increase year-over-year </li>\n</ul>\n<p>Deliveries in July 2021 consisted of 6,054 P7s, the Company’s sports smart sedan, and 1,986 G3s, its smart compact SUV. </p>\n<p>As of 31 July 2021, year-to-date total deliveries of the Company reached 38,778 units, representing a 388% increase year-over-year. </p>\n<p>P7 deliveries continued record-breaking momentum in July 2021, reflecting the P7’s rising popularity among China’s tech-savvy consumers. In July 2021, at its first-year anniversary of customer deliveries, total P7 deliveries reach 40,612 since the launch. The P7’s Navigation Guided Pilot (NGP) highway solutions continuously increase appeal to a wider customer base, underpinning the Company’s commitment to technology innovation. </p>\n<p>The Company further expanded its product portfolio in July 2021, launching the G3i, the G3 SUV’s mid-phase facelift version with deliveries expected in September 2021. </p>\n<p>In July 2021, the Company announced the pre-sale price range of RMB160,000–RMB230,000 (post subsidies) for its third production model, the P5 family-friendly smart sedan. Being the world’s first mass-produced Smart EV equipped with auto-grade LiDAR technology, the P5 is already generating an enthusiastic response from consumers in the presale phase. The Company plans to launch the P5 in the third quarter 2021 with deliveries expected in the fourth quarter 2021.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Xpeng Motors delivered 8,040 vehicles in July 2021,a record month with a 228% increase YOY</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nXpeng Motors delivered 8,040 vehicles in July 2021,a record month with a 228% increase YOY\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time\">2021-08-02 07:01</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>XPeng Inc. announced that the Company recorded its highest-ever monthly deliveries in July 2021 of 8,040 Smart EVs, representing a 228% increase year-over-year, and a 22% increase over the last month. </p>\n<ul>\n <li>8,040 vehicles delivered in July 2021, a record month with a 228% increase year-over-year </li>\n</ul>\n<ul>\n <li>6,054 P7s delivered in July 2021, the highest monthly deliveries since the P7’s launch </li>\n</ul>\n<ul>\n <li>38,778 total vehicles delivered year-to-date, a 388% increase year-over-year </li>\n</ul>\n<p>Deliveries in July 2021 consisted of 6,054 P7s, the Company’s sports smart sedan, and 1,986 G3s, its smart compact SUV. </p>\n<p>As of 31 July 2021, year-to-date total deliveries of the Company reached 38,778 units, representing a 388% increase year-over-year. </p>\n<p>P7 deliveries continued record-breaking momentum in July 2021, reflecting the P7’s rising popularity among China’s tech-savvy consumers. In July 2021, at its first-year anniversary of customer deliveries, total P7 deliveries reach 40,612 since the launch. The P7’s Navigation Guided Pilot (NGP) highway solutions continuously increase appeal to a wider customer base, underpinning the Company’s commitment to technology innovation. </p>\n<p>The Company further expanded its product portfolio in July 2021, launching the G3i, the G3 SUV’s mid-phase facelift version with deliveries expected in September 2021. </p>\n<p>In July 2021, the Company announced the pre-sale price range of RMB160,000–RMB230,000 (post subsidies) for its third production model, the P5 family-friendly smart sedan. Being the world’s first mass-produced Smart EV equipped with auto-grade LiDAR technology, the P5 is already generating an enthusiastic response from consumers in the presale phase. The Company plans to launch the P5 in the third quarter 2021 with deliveries expected in the fourth quarter 2021.</p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"09868":"小鹏汽车-W","XPEV":"小鹏汽车"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1154563656","content_text":"XPeng Inc. announced that the Company recorded its highest-ever monthly deliveries in July 2021 of 8,040 Smart EVs, representing a 228% increase year-over-year, and a 22% increase over the last month. \n\n8,040 vehicles delivered in July 2021, a record month with a 228% increase year-over-year \n\n\n6,054 P7s delivered in July 2021, the highest monthly deliveries since the P7’s launch \n\n\n38,778 total vehicles delivered year-to-date, a 388% increase year-over-year \n\nDeliveries in July 2021 consisted of 6,054 P7s, the Company’s sports smart sedan, and 1,986 G3s, its smart compact SUV. \nAs of 31 July 2021, year-to-date total deliveries of the Company reached 38,778 units, representing a 388% increase year-over-year. \nP7 deliveries continued record-breaking momentum in July 2021, reflecting the P7’s rising popularity among China’s tech-savvy consumers. In July 2021, at its first-year anniversary of customer deliveries, total P7 deliveries reach 40,612 since the launch. The P7’s Navigation Guided Pilot (NGP) highway solutions continuously increase appeal to a wider customer base, underpinning the Company’s commitment to technology innovation. \nThe Company further expanded its product portfolio in July 2021, launching the G3i, the G3 SUV’s mid-phase facelift version with deliveries expected in September 2021. \nIn July 2021, the Company announced the pre-sale price range of RMB160,000–RMB230,000 (post subsidies) for its third production model, the P5 family-friendly smart sedan. Being the world’s first mass-produced Smart EV equipped with auto-grade LiDAR technology, the P5 is already generating an enthusiastic response from consumers in the presale phase. The Company plans to launch the P5 in the third quarter 2021 with deliveries expected in the fourth quarter 2021.","news_type":1,"symbols_score_info":{"XPEV":0.9,"09868":0.9}},"isVote":1,"tweetType":1,"viewCount":978,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":839416830,"gmtCreate":1629172867820,"gmtModify":1676529953587,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3585873168332779","authorIdStr":"3585873168332779"},"themes":[],"htmlText":"Buy NIO and hold to be rewarded in the long term.","listText":"Buy NIO and hold to be rewarded in the long term.","text":"Buy NIO and hold to be rewarded in the long term.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":5,"repostSize":0,"link":"https://ttm.financial/post/839416830","repostId":"1144644937","repostType":4,"repost":{"id":"1144644937","kind":"news","pubTimestamp":1629172442,"share":"https://ttm.financial/m/news/1144644937?lang=en_US&edition=fundamental","pubTime":"2021-08-17 11:54","market":"us","language":"en","title":"Strong Execution Makes NIO A Buy","url":"https://stock-news.laohu8.com/highlight/detail?id=1144644937","media":"seekingalpha","summary":"Summary\n\nNIO’s Q2’21 earnings card was impressive with revenues and deliveries growing by more than ","content":"<p><b>Summary</b></p>\n<ul>\n <li>NIO’s Q2’21 earnings card was impressive with revenues and deliveries growing by more than 100% during the pandemic.</li>\n <li>NIO’s losses are decreasing rapidly. The EV maker is expected to be profitable in FY 2023.</li>\n <li>NIO raised its outlook, now expects to deliver up to 25,000 vehicles in Q3'21.</li>\n <li>Beijing’s hardening crackdown on Chinese companies may affect the market’s confidence in EV makers like NIO.</li>\n</ul>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/ff1eeeef73ef23263b4f26ede659c03e\" tg-width=\"1536\" tg-height=\"1024\" width=\"100%\" height=\"auto\"><span>SimonSkafar/E+ via Getty Images</span></p>\n<p>Despite surging revenues, narrowing losses and a strong outlook for Q3'21, shares of electric vehicle start-up NIO(NYSE:NIO)dropped after earnings. NIO's business is gaining momentum and the EV maker does a great job executing on its business plan.</p>\n<p><b>NIO continued to grow rapidly in Q2'21</b></p>\n<p>Competition in the Chinese market is increasing and EV makers continue to ramp up production and deliveries. NIO,XPeng(NYSE:XPEV)and Li Auto(NASDAQ:LI)&nbsp;saw&nbsp;record deliveries&nbsp;for the month of July and all three companies are now delivering about 8,000 vehicles each month. NIO's delivery growth was not as strong as the growth rates of its direct rivals, but a 124.5% Y/Y delivery growth rate in July is hard to criticize.</p>\n<p>NIO is even harder to criticize after it revealed its Q2'21 earnings card last week… which showed soaring revenues and narrowing losses. NIO's second-quarter showed 127.2% revenue growth over last year as the company recorded 8.45B Chinese Yuan in Q2'21 revenues ($1.31B). NIO's revenue surge is linked to the production ramp up of its various sport utility vehicles, soaring delivery growth rates despite challenges posed by the Coronavirus pandemic, and a denser product mix.</p>\n<p>In Q2'21, NIO delivered 21,896 vehicles of which 9,935 were ES6s, 7,528 were EC6s and 4,433 were ES8s. Total deliveries in Q2'21 surpassed Q2'20 deliveries by 111.9% as NIO was able to grow production despite a semiconductor supply shortage that limited factory output in the first six months of the year. NIO also revealed that it had a gross profit of 1.57B Chinese Yuan ($243.8 million) in Q2'21, showing 402.7% growth Y/Y. NIO executed its business plan very well over the last year and the growth in revenues, deliveries and gross profit is impressive.</p>\n<p>However, NIO is still not profitable. But since the EV maker is still in the ramp up stage and prepared to enter the sedan market in 2022 with its new P7 sedan model, NIO perhaps should not be expected to make a profit yet. Factory output and delivery growth are two metrics that are far more important for NIO and other EV makers than net profits.</p>\n<p>NIO's Q2'21 net loss was 587.2 million Chinese Yuan (US$90.9 million), but losses declined by 50% compared to last year's second-quarter. The loss per American Depositary Share/ADS was 0.42 Chinese Yuan which is the equivalent of 7 cents. NIO had a loss per ADS share of 1.15 Chinese Yuan (16 cents) in Q2'20. Estimates called for an 8 cent per ADS share loss on $1.28B in sales, meaning NIO's actual revenues were higher and losses were lower than expected.</p>\n<p>NIO's revenues keep increasing while losses keep narrowing...</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/c460516ba75f4c50f6725956d825a4c4\" tg-width=\"635\" tg-height=\"433\" width=\"100%\" height=\"auto\"><span>Data by YCharts</span></p>\n<p><b>Outlook</b></p>\n<p>NIO expects continual strength in its business as demand for electric SUVs remains high. For the third quarter, NIO expects to deliver between 23,000 and 25,000 vehicles as factory output increases and semiconductors start to see a better flow again. NIO's delivery range implies a minimum of 5% Q/Q growth in deliveries. I believe NIO could outperform its own delivery guidance if the semiconductor supply shortage eases and production choke points in Q3'21 are removed. Third-quarter revenues are expected to fall into a range of 8.91B Chinese Yuan ($1.38B) and 9.63B Chinese Yuan ($1.49B). NIO's guidance implies at least 96.9% Y/Y and 5.5% Q/Q growth in its top line.</p>\n<p>The outlook is very strong, considering that competition in the EV market is increasing and that automobile production is still hampered by the semiconductor supply shortage. NIO may not be growing as fast asXPeng or Li Auto in the short term, but NIO's business results and outlook are impressive in many ways: Doubling revenues and deliveries during the pandemic year is an achievement in itself and NIO is on a clear path to profitability... if it continues to execute its business plan well.</p>\n<p><b>NIO: It's all about growth</b></p>\n<p>NIO is not profitable, and despite narrowing losses, profits should not be expected in the short term. NIO is estimated to reach profitability in 2023, which is beforeXPeng (2024) and after Li Auto (2022). Purely from a sales growth perspective, Li Auto may be the best as the EV maker has a much lower price-to-sales ratio thanXPeng and NIO.</p>\n<p>XPeng is now more expensive than NIO, likely becauseXPeng is growing deliveries faster than NIO. However, NIO's battery-as-a-service subscription model and large investments in the expansion of its battery charging and replacement station network are set to boost NIO's revenue growth significantly this decade.</p>\n<p>BaaS-related revenues could result in an additional&nbsp;$500M or more in revenues annually for NIO by 2025. NIO's battery subscription model is a key differentiating factor.</p>\n<table>\n <tbody>\n  <tr>\n   <td><p>Market Cap</p></td>\n   <td><p>FY 2021 Est. Revenues</p></td>\n   <td><p>P-S Ratio</p></td>\n   <td><p>FY 2021 Est. EPS</p></td>\n   <td><p>P-E Ratio</p></td>\n   <td><p>Est. Year of Reaching Profitability</p></td>\n  </tr>\n  <tr>\n   <td><p>NIO</p></td>\n   <td><p>$67.22</p></td>\n   <td><p>$5.41</p></td>\n   <td><p>12.43</p></td>\n   <td><p>-$0.54</p></td>\n   <td><p>-</p></td>\n   <td><p>2023</p></td>\n  </tr>\n  <tr>\n   <td><p>XPeng</p></td>\n   <td><p>$34.20</p></td>\n   <td><p>$2.32</p></td>\n   <td><p>14.74</p></td>\n   <td><p>-$0.72</p></td>\n   <td><p>-</p></td>\n   <td><p>2024</p></td>\n  </tr>\n  <tr>\n   <td><p>Li Auto</p></td>\n   <td><p>$25.94</p></td>\n   <td><p>$3.10</p></td>\n   <td><p>8.37</p></td>\n   <td><p>-$0.10</p></td>\n   <td><p>-</p></td>\n   <td><p>2022</p></td>\n  </tr>\n </tbody>\n</table>\n<p>(Source: Author)</p>\n<p><b>Risks with NIO</b></p>\n<p>Despite strong business performance in Q2'21 and record deliveries, shares of NIO have retreated lately as the market adopted a 'wait-and-see' approach regarding China-based companies. This is because the Chinese government is increasingly assertive and has started to crack down on various sectors of the economy, specifically the E-Commerce, technology and social media sectors.</p>\n<p>This accelerating government intervention is reducing the appeal of Chinese companies for US investors… although the risk of regulatory intervention in the electric vehicle market is low. Beijing promotes the adoption of EVs heavily and targets a 20% share of EVs by 2025… which makes it unlikely that the electric vehicle sector experiences the same crackdown as other sectors. However, Beijing getting more involved in the economy is not exactly helping the image of Chinese stocks in the US.</p>\n<p>Additionally, companies that list on an American exchange indirectly through American Depositary Shares - like NIO - don't have to submit audited financial statements to a US regulator. This means that the market depends on unaudited financial statements and a good amount of trust when it comes to investing in China-based electric vehicle companies.</p>\n<p>An interventionist Chinese government and the fact that China-based companies don't go through a rigorous process that makes sure that financial statements can be relied upon, are two big issues that may weigh on shares of NIO going forward. A de-listing of Chinese EV makers would be the worst outcome. In the case of a de-listing of China-based companies from US exchanges, NIO would become uninvestable. Right now, this is not the case and the risk of a complete de-listing is not high. However, if US-China relations deteriorate, NIO could face headwinds.</p>\n<p><b>Final thoughts</b></p>\n<p>NIO had a great second-quarter that saw soaring revenues during the pandemic, narrower losses and a strong outlook for Q3'21… with potential upside in factory output as the semiconductor shortage eases.</p>\n<p>Losses are narrowing rapidly which means NIO could be profitable in FY 2023. Business performance is supported by strong execution and NIO will continue to grow rapidly. NIO's shares are a buy!</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Strong Execution Makes NIO A Buy</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nStrong Execution Makes NIO A Buy\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-08-17 11:54 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4449836-strong-execution-makes-nio-a-buy><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Summary\n\nNIO’s Q2’21 earnings card was impressive with revenues and deliveries growing by more than 100% during the pandemic.\nNIO’s losses are decreasing rapidly. The EV maker is expected to be ...</p>\n\n<a href=\"https://seekingalpha.com/article/4449836-strong-execution-makes-nio-a-buy\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"NIO":"蔚来"},"source_url":"https://seekingalpha.com/article/4449836-strong-execution-makes-nio-a-buy","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1144644937","content_text":"Summary\n\nNIO’s Q2’21 earnings card was impressive with revenues and deliveries growing by more than 100% during the pandemic.\nNIO’s losses are decreasing rapidly. The EV maker is expected to be profitable in FY 2023.\nNIO raised its outlook, now expects to deliver up to 25,000 vehicles in Q3'21.\nBeijing’s hardening crackdown on Chinese companies may affect the market’s confidence in EV makers like NIO.\n\nSimonSkafar/E+ via Getty Images\nDespite surging revenues, narrowing losses and a strong outlook for Q3'21, shares of electric vehicle start-up NIO(NYSE:NIO)dropped after earnings. NIO's business is gaining momentum and the EV maker does a great job executing on its business plan.\nNIO continued to grow rapidly in Q2'21\nCompetition in the Chinese market is increasing and EV makers continue to ramp up production and deliveries. NIO,XPeng(NYSE:XPEV)and Li Auto(NASDAQ:LI) saw record deliveries for the month of July and all three companies are now delivering about 8,000 vehicles each month. NIO's delivery growth was not as strong as the growth rates of its direct rivals, but a 124.5% Y/Y delivery growth rate in July is hard to criticize.\nNIO is even harder to criticize after it revealed its Q2'21 earnings card last week… which showed soaring revenues and narrowing losses. NIO's second-quarter showed 127.2% revenue growth over last year as the company recorded 8.45B Chinese Yuan in Q2'21 revenues ($1.31B). NIO's revenue surge is linked to the production ramp up of its various sport utility vehicles, soaring delivery growth rates despite challenges posed by the Coronavirus pandemic, and a denser product mix.\nIn Q2'21, NIO delivered 21,896 vehicles of which 9,935 were ES6s, 7,528 were EC6s and 4,433 were ES8s. Total deliveries in Q2'21 surpassed Q2'20 deliveries by 111.9% as NIO was able to grow production despite a semiconductor supply shortage that limited factory output in the first six months of the year. NIO also revealed that it had a gross profit of 1.57B Chinese Yuan ($243.8 million) in Q2'21, showing 402.7% growth Y/Y. NIO executed its business plan very well over the last year and the growth in revenues, deliveries and gross profit is impressive.\nHowever, NIO is still not profitable. But since the EV maker is still in the ramp up stage and prepared to enter the sedan market in 2022 with its new P7 sedan model, NIO perhaps should not be expected to make a profit yet. Factory output and delivery growth are two metrics that are far more important for NIO and other EV makers than net profits.\nNIO's Q2'21 net loss was 587.2 million Chinese Yuan (US$90.9 million), but losses declined by 50% compared to last year's second-quarter. The loss per American Depositary Share/ADS was 0.42 Chinese Yuan which is the equivalent of 7 cents. NIO had a loss per ADS share of 1.15 Chinese Yuan (16 cents) in Q2'20. Estimates called for an 8 cent per ADS share loss on $1.28B in sales, meaning NIO's actual revenues were higher and losses were lower than expected.\nNIO's revenues keep increasing while losses keep narrowing...\nData by YCharts\nOutlook\nNIO expects continual strength in its business as demand for electric SUVs remains high. For the third quarter, NIO expects to deliver between 23,000 and 25,000 vehicles as factory output increases and semiconductors start to see a better flow again. NIO's delivery range implies a minimum of 5% Q/Q growth in deliveries. I believe NIO could outperform its own delivery guidance if the semiconductor supply shortage eases and production choke points in Q3'21 are removed. Third-quarter revenues are expected to fall into a range of 8.91B Chinese Yuan ($1.38B) and 9.63B Chinese Yuan ($1.49B). NIO's guidance implies at least 96.9% Y/Y and 5.5% Q/Q growth in its top line.\nThe outlook is very strong, considering that competition in the EV market is increasing and that automobile production is still hampered by the semiconductor supply shortage. NIO may not be growing as fast asXPeng or Li Auto in the short term, but NIO's business results and outlook are impressive in many ways: Doubling revenues and deliveries during the pandemic year is an achievement in itself and NIO is on a clear path to profitability... if it continues to execute its business plan well.\nNIO: It's all about growth\nNIO is not profitable, and despite narrowing losses, profits should not be expected in the short term. NIO is estimated to reach profitability in 2023, which is beforeXPeng (2024) and after Li Auto (2022). Purely from a sales growth perspective, Li Auto may be the best as the EV maker has a much lower price-to-sales ratio thanXPeng and NIO.\nXPeng is now more expensive than NIO, likely becauseXPeng is growing deliveries faster than NIO. However, NIO's battery-as-a-service subscription model and large investments in the expansion of its battery charging and replacement station network are set to boost NIO's revenue growth significantly this decade.\nBaaS-related revenues could result in an additional $500M or more in revenues annually for NIO by 2025. NIO's battery subscription model is a key differentiating factor.\n\n\n\nMarket Cap\nFY 2021 Est. Revenues\nP-S Ratio\nFY 2021 Est. EPS\nP-E Ratio\nEst. Year of Reaching Profitability\n\n\nNIO\n$67.22\n$5.41\n12.43\n-$0.54\n-\n2023\n\n\nXPeng\n$34.20\n$2.32\n14.74\n-$0.72\n-\n2024\n\n\nLi Auto\n$25.94\n$3.10\n8.37\n-$0.10\n-\n2022\n\n\n\n(Source: Author)\nRisks with NIO\nDespite strong business performance in Q2'21 and record deliveries, shares of NIO have retreated lately as the market adopted a 'wait-and-see' approach regarding China-based companies. This is because the Chinese government is increasingly assertive and has started to crack down on various sectors of the economy, specifically the E-Commerce, technology and social media sectors.\nThis accelerating government intervention is reducing the appeal of Chinese companies for US investors… although the risk of regulatory intervention in the electric vehicle market is low. Beijing promotes the adoption of EVs heavily and targets a 20% share of EVs by 2025… which makes it unlikely that the electric vehicle sector experiences the same crackdown as other sectors. However, Beijing getting more involved in the economy is not exactly helping the image of Chinese stocks in the US.\nAdditionally, companies that list on an American exchange indirectly through American Depositary Shares - like NIO - don't have to submit audited financial statements to a US regulator. This means that the market depends on unaudited financial statements and a good amount of trust when it comes to investing in China-based electric vehicle companies.\nAn interventionist Chinese government and the fact that China-based companies don't go through a rigorous process that makes sure that financial statements can be relied upon, are two big issues that may weigh on shares of NIO going forward. A de-listing of Chinese EV makers would be the worst outcome. In the case of a de-listing of China-based companies from US exchanges, NIO would become uninvestable. Right now, this is not the case and the risk of a complete de-listing is not high. However, if US-China relations deteriorate, NIO could face headwinds.\nFinal thoughts\nNIO had a great second-quarter that saw soaring revenues during the pandemic, narrower losses and a strong outlook for Q3'21… with potential upside in factory output as the semiconductor shortage eases.\nLosses are narrowing rapidly which means NIO could be profitable in FY 2023. Business performance is supported by strong execution and NIO will continue to grow rapidly. NIO's shares are a buy!","news_type":1,"symbols_score_info":{"NIO":0.9}},"isVote":1,"tweetType":1,"viewCount":3792,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":173235025,"gmtCreate":1626661462267,"gmtModify":1703762894282,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3585873168332779","authorIdStr":"3585873168332779"},"themes":[],"htmlText":"Zoom has become the ‘new normal’ for meetingsand classroom virtual&nbsp;training. It is here to stay for a long time.","listText":"Zoom has become the ‘new normal’ for meetingsand classroom virtual&nbsp;training. It is here to stay for a long time.","text":"Zoom has become the ‘new normal’ for meetingsand classroom virtual training. It is here to stay for a long time.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":10,"commentSize":3,"repostSize":0,"link":"https://ttm.financial/post/173235025","repostId":"2152566633","repostType":4,"isVote":1,"tweetType":1,"viewCount":1164,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3578738582837184","authorId":"3578738582837184","name":"心投资","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"idStr":"3578738582837184","authorIdStr":"3578738582837184"},"content":"Yes, living through new norm and it will continue to stay","text":"Yes, living through new norm and it will continue to stay","html":"Yes, living through new norm and it will continue to stay"},{"author":{"id":"3580340700781087","authorId":"3580340700781087","name":"jazzspeed","avatar":"https://community-static.tradeup.com/news/279520f8a08ed94bc72bf186dcf094e9","crmLevel":11,"crmLevelSwitch":0,"idStr":"3580340700781087","authorIdStr":"3580340700781087"},"content":"Agree [strong]","text":"Agree [strong]","html":"Agree [strong]"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":891995378,"gmtCreate":1628314418294,"gmtModify":1703504995338,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3585873168332779","authorIdStr":"3585873168332779"},"themes":[],"htmlText":"Tesla, NIO, Li Auto, Xpeng are better buys","listText":"Tesla, NIO, Li Auto, Xpeng are better buys","text":"Tesla, NIO, Li Auto, Xpeng are better buys","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":4,"repostSize":0,"link":"https://ttm.financial/post/891995378","repostId":"1143051031","repostType":4,"isVote":1,"tweetType":1,"viewCount":1682,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":802280255,"gmtCreate":1627782616577,"gmtModify":1703495738187,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3585873168332779","authorIdStr":"3585873168332779"},"themes":[],"htmlText":"Buying the dips is like buying on discount. Who doesn’t like discounts? [Grin]&nbsp;","listText":"Buying the dips is like buying on discount. Who doesn’t like discounts? [Grin]&nbsp;","text":"Buying the dips is like buying on discount. Who doesn’t like discounts? [Grin]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":9,"commentSize":2,"repostSize":0,"link":"https://ttm.financial/post/802280255","repostId":"1127411624","repostType":4,"repost":{"id":"1127411624","kind":"news","pubTimestamp":1627715622,"share":"https://ttm.financial/m/news/1127411624?lang=en_US&edition=fundamental","pubTime":"2021-07-31 15:13","market":"us","language":"en","title":"Here’s your to-do list before the stock market’s next dive","url":"https://stock-news.laohu8.com/highlight/detail?id=1127411624","media":"MarketWatch","summary":"After hibernating for months, the stock-market bears came out of their caves on July 19. That day, t","content":"<p>After hibernating for months, the stock-market bears came out of their caves on July 19. That day, the Dow Jones Industrial AverageDJIA,-0.42%tumbled 725 points or 2.1%. The bears hit a home run — at least for a day.</p>\n<p>As usual, everyone wanted to know why the market fell, and the analysts had prepared answers, from COVID-19’s Delta variant to the Consumer Price Index to overbought technical indicators.</p>\n<p>The truth is that nobody knows. People have multiple reasons for selling, so it’s ridiculous to blame one event. That said, a big contributor to the decline was automatic, computer-generated selling. Once large market participants, especially algos, started selling, there was a mad rush out of the door. No one wanted to be the last one out, so retail traders and institutions sold in a panic, which got more intense as the day went on.</p>\n<p>Technical indicators contributed as well: The weekly relative strength indicator (RSI) has been remarkably accurate in warning of a market reversal. Once RSI goes over 70 and stays there, buyers beware.&nbsp; After the July 26 market close, the RSI of the S&amp;P 500SPX,-0.54%stood at 71.36 on the weekly chart — an extremely overbought reading. Does this mean that the index is going to plunge tomorrow? No one knows. But RSI is giving a clue that the U.S. market is in the danger zone.</p>\n<p><b>The bad news bears can’t catch a break</b></p>\n<p>Before the bears could say, “I told you so,” the next day, July 20, the 700-plus point Dow selloff was erased by a 550-point Dow rally. The bulls forgot about the selloff and returned to celebrating, and gulping glass after glass of their favorite drink, “bull-ade.” Once again, the storm passed, but this time a little fear creeped into the bulls’ psyche. Before, the only fear was the fear of missing out on the next rally. Now, many investors realize the market can actually go down.</p>\n<p><b>What to do now</b></p>\n<p>The next time the market plunges and you’re experiencing a variety of emotions, the following guide might help:</p>\n<p><b>1. If you’re panicked</b>: Don’t do something; sit there. Do not buy, do not sell, just sit tight. In fact, turn off the computer or other devices. Don’t fret over how much paper money you lost that day. Exercise, walk, run, swim, ride a bike. Your goal is to reduce emotions so you can get a good night’s sleep. When the market stabilizes, reevaluate what you own. Do not make any big financial decisions on days like this.</p>\n<p><b>2. If you’re afraid</b>: Take it easy. The selloff will end eventually. There is no reason to panic. Again, reevaluate what you own when the market comes to its senses.</p>\n<p><b>3. If you’re unaffected:</b>Still, check your portfolio to make sure you are properly diversified. While it’s find to not care if the market falls, be sure you are hedged for a worst-case scenario. One day there will be a bear market that will last months or years. Be prepared.</p>\n<p><b>What specific actions should you take?</b></p>\n<p>Now that you’ve taken care of your emotional health, there are other financial decisions you can make. Let’s take a look atsome strategies and tacticsthat may help:</p>\n<ol>\n <li>Sell if the stocks or indexes you own fall below their 200-day moving averages. Note: The major indexes such as the Standard &amp; Poor’s 500SPX,-0.54%have not fallen below (and stayed below) their 200-day averages for a decade. When they do eventually, that is a clear sell signal.</li>\n <li>Create a long-term investment plan and follow it no matter what happens in the short term.</li>\n <li>Dollar-cost average into index funds.</li>\n <li>Diversify. This is the key to success in the stock market and in life. If you own only stocks, consider bonds, but talk to a financial professional (not your neighbor) before taking this step.</li>\n <li>Buy the big dips. This strategy still works. If you had bought the dip on July 19, you would have cleaned up on July 20. One day this strategy won’t work, but that day hasn’t come yet.</li>\n <li>Sell covered-call options. This is still an excellent way to generate extra income. This strategy is also ideal for disposing of unwanted stocks, and getting paid for it.</li>\n</ol>\n<p><b>Plan for the next correction or bear market</b></p>\n<p>After a 13-year bull market, the clock is ticking for U.S. stocks. While the bulls scored another victory this time, one day the market won’t reverse direction and will begin a steep correction, or worse yet, a bear market. That’s when you will be glad that you have a plan and an investment script to follow on the worst days.</p>\n<p>Know what you own, sell to the “sleep-well” point and diversify into a variety of financial products including cash and bonds. This way, when the market plunges again, you won’t make knee-jerk emotional decisions or suffer an anxiety attack.</p>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Here’s your to-do list before the stock market’s next dive</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nHere’s your to-do list before the stock market’s next dive\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-07-31 15:13 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.marketwatch.com/story/heres-your-to-do-list-before-the-stock-markets-next-dive-11627360870?mod=article_inline><strong>MarketWatch</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>After hibernating for months, the stock-market bears came out of their caves on July 19. That day, the Dow Jones Industrial AverageDJIA,-0.42%tumbled 725 points or 2.1%. The bears hit a home run — at ...</p>\n\n<a href=\"https://www.marketwatch.com/story/heres-your-to-do-list-before-the-stock-markets-next-dive-11627360870?mod=article_inline\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".SPX":"S&P 500 Index",".IXIC":"NASDAQ Composite","SPY":"标普500ETF",".DJI":"道琼斯"},"source_url":"https://www.marketwatch.com/story/heres-your-to-do-list-before-the-stock-markets-next-dive-11627360870?mod=article_inline","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1127411624","content_text":"After hibernating for months, the stock-market bears came out of their caves on July 19. That day, the Dow Jones Industrial AverageDJIA,-0.42%tumbled 725 points or 2.1%. The bears hit a home run — at least for a day.\nAs usual, everyone wanted to know why the market fell, and the analysts had prepared answers, from COVID-19’s Delta variant to the Consumer Price Index to overbought technical indicators.\nThe truth is that nobody knows. People have multiple reasons for selling, so it’s ridiculous to blame one event. That said, a big contributor to the decline was automatic, computer-generated selling. Once large market participants, especially algos, started selling, there was a mad rush out of the door. No one wanted to be the last one out, so retail traders and institutions sold in a panic, which got more intense as the day went on.\nTechnical indicators contributed as well: The weekly relative strength indicator (RSI) has been remarkably accurate in warning of a market reversal. Once RSI goes over 70 and stays there, buyers beware.  After the July 26 market close, the RSI of the S&P 500SPX,-0.54%stood at 71.36 on the weekly chart — an extremely overbought reading. Does this mean that the index is going to plunge tomorrow? No one knows. But RSI is giving a clue that the U.S. market is in the danger zone.\nThe bad news bears can’t catch a break\nBefore the bears could say, “I told you so,” the next day, July 20, the 700-plus point Dow selloff was erased by a 550-point Dow rally. The bulls forgot about the selloff and returned to celebrating, and gulping glass after glass of their favorite drink, “bull-ade.” Once again, the storm passed, but this time a little fear creeped into the bulls’ psyche. Before, the only fear was the fear of missing out on the next rally. Now, many investors realize the market can actually go down.\nWhat to do now\nThe next time the market plunges and you’re experiencing a variety of emotions, the following guide might help:\n1. If you’re panicked: Don’t do something; sit there. Do not buy, do not sell, just sit tight. In fact, turn off the computer or other devices. Don’t fret over how much paper money you lost that day. Exercise, walk, run, swim, ride a bike. Your goal is to reduce emotions so you can get a good night’s sleep. When the market stabilizes, reevaluate what you own. Do not make any big financial decisions on days like this.\n2. If you’re afraid: Take it easy. The selloff will end eventually. There is no reason to panic. Again, reevaluate what you own when the market comes to its senses.\n3. If you’re unaffected:Still, check your portfolio to make sure you are properly diversified. While it’s find to not care if the market falls, be sure you are hedged for a worst-case scenario. One day there will be a bear market that will last months or years. Be prepared.\nWhat specific actions should you take?\nNow that you’ve taken care of your emotional health, there are other financial decisions you can make. Let’s take a look atsome strategies and tacticsthat may help:\n\nSell if the stocks or indexes you own fall below their 200-day moving averages. Note: The major indexes such as the Standard & Poor’s 500SPX,-0.54%have not fallen below (and stayed below) their 200-day averages for a decade. When they do eventually, that is a clear sell signal.\nCreate a long-term investment plan and follow it no matter what happens in the short term.\nDollar-cost average into index funds.\nDiversify. This is the key to success in the stock market and in life. If you own only stocks, consider bonds, but talk to a financial professional (not your neighbor) before taking this step.\nBuy the big dips. This strategy still works. If you had bought the dip on July 19, you would have cleaned up on July 20. One day this strategy won’t work, but that day hasn’t come yet.\nSell covered-call options. This is still an excellent way to generate extra income. This strategy is also ideal for disposing of unwanted stocks, and getting paid for it.\n\nPlan for the next correction or bear market\nAfter a 13-year bull market, the clock is ticking for U.S. stocks. While the bulls scored another victory this time, one day the market won’t reverse direction and will begin a steep correction, or worse yet, a bear market. That’s when you will be glad that you have a plan and an investment script to follow on the worst days.\nKnow what you own, sell to the “sleep-well” point and diversify into a variety of financial products including cash and bonds. This way, when the market plunges again, you won’t make knee-jerk emotional decisions or suffer an anxiety attack.","news_type":1,"symbols_score_info":{"SPY":0.9,".SPX":0.9,".IXIC":0.9,".DJI":0.9}},"isVote":1,"tweetType":1,"viewCount":836,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3572923586954779","authorId":"3572923586954779","name":"LimLS","avatar":"https://static.tigerbbs.com/217b03b0c4808fb537070ba4e8f9d83f","crmLevel":12,"crmLevelSwitch":1,"idStr":"3572923586954779","authorIdStr":"3572923586954779"},"content":"unless we are buy dips of hyped up stocks... it might end up being just reverting to its norm. But buying dips for strong quality companies are valid. FAANG are good examples","text":"unless we are buy dips of hyped up stocks... it might end up being just reverting to its norm. But buying dips for strong quality companies are valid. FAANG are good examples","html":"unless we are buy dips of hyped up stocks... it might end up being just reverting to its norm. But buying dips for strong quality companies are valid. FAANG are good examples"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":179933737,"gmtCreate":1626480734829,"gmtModify":1703760791457,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3585873168332779","authorIdStr":"3585873168332779"},"themes":[],"htmlText":"As long as don’t sell when market is down, it’s only paper losses. Hold on and wait, the market will go up eventually.","listText":"As long as don’t sell when market is down, it’s only paper losses. Hold on and wait, the market will go up eventually.","text":"As long as don’t sell when market is down, it’s only paper losses. Hold on and wait, the market will go up eventually.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":3,"repostSize":0,"link":"https://ttm.financial/post/179933737","repostId":"1149577900","repostType":4,"isVote":1,"tweetType":1,"viewCount":705,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3571345352614779","authorId":"3571345352614779","name":"xiaobaii","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"idStr":"3571345352614779","authorIdStr":"3571345352614779"},"content":"Like & Comment Please, Thank You Very Much","text":"Like & Comment Please, Thank You Very Much","html":"Like & Comment Please, Thank You Very Much"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":806451593,"gmtCreate":1627690499212,"gmtModify":1703494659878,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3585873168332779","authorIdStr":"3585873168332779"},"themes":[],"htmlText":"NIO has lots of growth potential. Buy the dip and hold for long term gains.","listText":"NIO has lots of growth potential. Buy the dip and hold for long term gains.","text":"NIO has lots of growth potential. Buy the dip and hold for long term gains.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":10,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/806451593","repostId":"1137888611","repostType":4,"repost":{"id":"1137888611","kind":"news","pubTimestamp":1627688479,"share":"https://ttm.financial/m/news/1137888611?lang=en_US&edition=fundamental","pubTime":"2021-07-31 07:41","market":"us","language":"en","title":"Nio, XPeng, Li Shares Rise, as China EV Stocks Rebound","url":"https://stock-news.laohu8.com/highlight/detail?id=1137888611","media":"The Street","summary":"NIO, Li Auto and Xpeng continued the recovery from their July 21-27 drop Friday, even as other U.S.-","content":"<blockquote>\n NIO, Li Auto and Xpeng continued the recovery from their July 21-27 drop Friday, even as other U.S.-listed China stocks fell.\n</blockquote>\n<p>Chinese electric vehicle stocks, including NIO&nbsp;(<b>NIO</b>) , Li Auto&nbsp;(<b>LI</b>) and Xpeng&nbsp;(<b>XPEV</b>) , continued the rebound from their July 21-27 drop Friday, even as other U.S.-listed China stocks fell.</p>\n<p>Nio gained 4% to $44.50, Li 11% to $33.97 and Xpeng 9% to $41.38. Meanwhile, Alibaba BABA slid 2% to $195.19 and Didi DIDI 3% to $9.57.</p>\n<p>Fear of stringent Chinese regulation is depressing non-EV stocks. But China hasn’t made much noise about cracking down on EV makers. It’s an industry the government would like to dominate.</p>\n<p>So it may have no desire to put the hammer down on EV companies, and that’s likely buttressing their shares Friday.</p>\n<p>When it comes to U.S. EV stocks, Tesla&nbsp;(<b>TSLA</b>) -Get Report&nbsp;is the big daddy, of course. Its shares are up 5% to $677.75 Friday, leaving them up 8% for the past five days.</p>\n<p>The companyposted stronger-than-expected earningsfor the second quarter Monday and said it's on track to build the first Model Y sedans from new facilities in Austin and Berlin before year-end.</p>\n<p>Chief Executive Elon Musk, however, added in an investor call following the earnings report that the global shortage in semiconductor supplies remains \"quite serious\" and could impact production rates over the second half of the year.</p>\n<p>Volume growth will depend on the availability of other parts in the global supply chain, he said.</p>\n<p>Musk also said he would no longer participate in regular earnings calls, unless he had \"something really important to say\".</p>\n<p>Tesla said adjusted profit for the latest quarter was $1.45 per share, creaming analysts’ consensus forecast of 98 cents.</p>","source":"lsy1610613172068","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Nio, XPeng, Li Shares Rise, as China EV Stocks Rebound</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nNio, XPeng, Li Shares Rise, as China EV Stocks Rebound\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-07-31 07:41 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.thestreet.com/investing/china-ev-stocks-rebound-nio-xpeng-li><strong>The Street</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>NIO, Li Auto and Xpeng continued the recovery from their July 21-27 drop Friday, even as other U.S.-listed China stocks fell.\n\nChinese electric vehicle stocks, including NIO (NIO) , Li Auto (LI) and ...</p>\n\n<a href=\"https://www.thestreet.com/investing/china-ev-stocks-rebound-nio-xpeng-li\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"NIO":"蔚来","XPEV":"小鹏汽车","LI":"理想汽车"},"source_url":"https://www.thestreet.com/investing/china-ev-stocks-rebound-nio-xpeng-li","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1137888611","content_text":"NIO, Li Auto and Xpeng continued the recovery from their July 21-27 drop Friday, even as other U.S.-listed China stocks fell.\n\nChinese electric vehicle stocks, including NIO (NIO) , Li Auto (LI) and Xpeng (XPEV) , continued the rebound from their July 21-27 drop Friday, even as other U.S.-listed China stocks fell.\nNio gained 4% to $44.50, Li 11% to $33.97 and Xpeng 9% to $41.38. Meanwhile, Alibaba BABA slid 2% to $195.19 and Didi DIDI 3% to $9.57.\nFear of stringent Chinese regulation is depressing non-EV stocks. But China hasn’t made much noise about cracking down on EV makers. It’s an industry the government would like to dominate.\nSo it may have no desire to put the hammer down on EV companies, and that’s likely buttressing their shares Friday.\nWhen it comes to U.S. EV stocks, Tesla (TSLA) -Get Report is the big daddy, of course. Its shares are up 5% to $677.75 Friday, leaving them up 8% for the past five days.\nThe companyposted stronger-than-expected earningsfor the second quarter Monday and said it's on track to build the first Model Y sedans from new facilities in Austin and Berlin before year-end.\nChief Executive Elon Musk, however, added in an investor call following the earnings report that the global shortage in semiconductor supplies remains \"quite serious\" and could impact production rates over the second half of the year.\nVolume growth will depend on the availability of other parts in the global supply chain, he said.\nMusk also said he would no longer participate in regular earnings calls, unless he had \"something really important to say\".\nTesla said adjusted profit for the latest quarter was $1.45 per share, creaming analysts’ consensus forecast of 98 cents.","news_type":1,"symbols_score_info":{"XPEV":0.9,"NIO":0.9,"LI":0.9}},"isVote":1,"tweetType":1,"viewCount":1134,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":170319257,"gmtCreate":1626403958079,"gmtModify":1703759504826,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3585873168332779","authorIdStr":"3585873168332779"},"themes":[],"htmlText":"The stock market is always nervous about inflation.","listText":"The stock market is always nervous about inflation.","text":"The stock market is always nervous about inflation.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":10,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/170319257","repostId":"2151573133","repostType":4,"isVote":1,"tweetType":1,"viewCount":519,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":894126084,"gmtCreate":1628812750448,"gmtModify":1676529860714,"author":{"id":"3585873168332779","authorId":"3585873168332779","name":"ilovekirby","avatar":"https://static.tigerbbs.com/150e39396270b3385fcaa9d5b241a4e1","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3585873168332779","authorIdStr":"3585873168332779"},"themes":[],"htmlText":"SoFi stock is way under valued. But I’m confidentit will bounce back by end of the year. [Grin]&nbsp;","listText":"SoFi stock is way under valued. But I’m confidentit will bounce back by end of the year. [Grin]&nbsp;","text":"SoFi stock is way under valued. But I’m confidentit will bounce back by end of the year. [Grin]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":9,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/894126084","repostId":"2159266201","repostType":4,"repost":{"id":"2159266201","kind":"highlight","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1628810211,"share":"https://ttm.financial/m/news/2159266201?lang=en_US&edition=fundamental","pubTime":"2021-08-13 07:16","market":"us","language":"en","title":"SoFi stock falls after its first earnings report, as profit outlook comes up short","url":"https://stock-news.laohu8.com/highlight/detail?id=2159266201","media":"Dow Jones","summary":"SoFi Technologies Inc. doubled revenue in its latest quarter, but issued an earnings outlook for the","content":"<p><a href=\"https://laohu8.com/S/SOFI\">SoFi Technologies Inc.</a> doubled revenue in its latest quarter, but issued an earnings outlook for the current period that came up lighter than what analysts were anticipating.</p>\n<p><img src=\"https://static.tigerbbs.com/6dc011babb8c7e2dedadefad42731d68\" tg-width=\"757\" tg-height=\"897\" width=\"100%\" height=\"auto\"></p>\n<p>The company reported a second-quarter net loss of $165.3 million, or 48 cents a share, whereas it recorded net income of $7.8 million a year earlier. Analysts tracked by FactSet were anticipating a 6-cent loss per share.</p>\n<p>SoFi's (SOFI) revenue rose to $231.3 million from $115.0 million, while analysts were expecting $218.6 million.</p>\n<p>Shares of SoFi were off more than 12% in after-hours trading Thursday following the report, which was SoFi's first since going public in June .</p>\n<p>The company's total member base grew to 2.6 million, up from 1.2 million a year earlier, while total products reached 3.7 million, up from 1.6 million a year ago. Both growth figures reflected expansion in SoFi's product offerings, the company said in its earnings report.</p>\n<p>Looking ahead to the third quarter, SoFi expects adjusted net revenue of $245 million to $255 million. It also expects earnings before interest, taxes, depreciation and amortization in the range of a $7 million loss to $3 million in earnings. Analysts tracked by FactSet were expecting positive Ebitda of $11.8 million.</p>\n<p>In the latest quarter, SoFi generated total net revenue of $166.3 million in its lending business, up from $95.9 million a year prior. It saw 981,440 product originations in the lending business, including 18,102 home loans, 544,068 personal loans and 419,270 student loans.</p>\n<p>The company's financial services segment recorded $17.0 million in revenue, up from $2.4 million a year earlier. The segment saw directly attributable expenses of $41.8 million, which brought the contribution loss to $24.7 million. A year earlier, SoFi recognized directly attributable expenses of $33.3 million that brought the contribution loss to $30.9 million.</p>\n<p>SoFi saw growth in its technology business, which mainly consists of the Galileo Financial Technologies operations that it acquired in May 2020. Galileo provides services to neobanks. It had 78.9 million accounts as of the second quarter, up from 36.0 million a year prior.</p>\n<p>Revenue from this segment increased to $45.3 million from $19.0 million. The company noted that it has engaged in heavy investments to migrate the technology operations to the cloud, expand geographically, and nearly double headcount for this part of the business.</p>\n<p><img src=\"https://static.tigerbbs.com/5a02ba62ac1c4732929cdaded1be4a7d\" tg-width=\"882\" tg-height=\"652\" width=\"100%\" height=\"auto\"></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SoFi stock falls after its first earnings report, as profit outlook comes up short</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSoFi stock falls after its first earnings report, as profit outlook comes up short\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2021-08-13 07:16</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<p><a href=\"https://laohu8.com/S/SOFI\">SoFi Technologies Inc.</a> doubled revenue in its latest quarter, but issued an earnings outlook for the current period that came up lighter than what analysts were anticipating.</p>\n<p><img src=\"https://static.tigerbbs.com/6dc011babb8c7e2dedadefad42731d68\" tg-width=\"757\" tg-height=\"897\" width=\"100%\" height=\"auto\"></p>\n<p>The company reported a second-quarter net loss of $165.3 million, or 48 cents a share, whereas it recorded net income of $7.8 million a year earlier. Analysts tracked by FactSet were anticipating a 6-cent loss per share.</p>\n<p>SoFi's (SOFI) revenue rose to $231.3 million from $115.0 million, while analysts were expecting $218.6 million.</p>\n<p>Shares of SoFi were off more than 12% in after-hours trading Thursday following the report, which was SoFi's first since going public in June .</p>\n<p>The company's total member base grew to 2.6 million, up from 1.2 million a year earlier, while total products reached 3.7 million, up from 1.6 million a year ago. Both growth figures reflected expansion in SoFi's product offerings, the company said in its earnings report.</p>\n<p>Looking ahead to the third quarter, SoFi expects adjusted net revenue of $245 million to $255 million. It also expects earnings before interest, taxes, depreciation and amortization in the range of a $7 million loss to $3 million in earnings. Analysts tracked by FactSet were expecting positive Ebitda of $11.8 million.</p>\n<p>In the latest quarter, SoFi generated total net revenue of $166.3 million in its lending business, up from $95.9 million a year prior. It saw 981,440 product originations in the lending business, including 18,102 home loans, 544,068 personal loans and 419,270 student loans.</p>\n<p>The company's financial services segment recorded $17.0 million in revenue, up from $2.4 million a year earlier. The segment saw directly attributable expenses of $41.8 million, which brought the contribution loss to $24.7 million. A year earlier, SoFi recognized directly attributable expenses of $33.3 million that brought the contribution loss to $30.9 million.</p>\n<p>SoFi saw growth in its technology business, which mainly consists of the Galileo Financial Technologies operations that it acquired in May 2020. Galileo provides services to neobanks. It had 78.9 million accounts as of the second quarter, up from 36.0 million a year prior.</p>\n<p>Revenue from this segment increased to $45.3 million from $19.0 million. The company noted that it has engaged in heavy investments to migrate the technology operations to the cloud, expand geographically, and nearly double headcount for this part of the business.</p>\n<p><img src=\"https://static.tigerbbs.com/5a02ba62ac1c4732929cdaded1be4a7d\" tg-width=\"882\" tg-height=\"652\" width=\"100%\" height=\"auto\"></p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2159266201","content_text":"SoFi Technologies Inc. doubled revenue in its latest quarter, but issued an earnings outlook for the current period that came up lighter than what analysts were anticipating.\n\nThe company reported a second-quarter net loss of $165.3 million, or 48 cents a share, whereas it recorded net income of $7.8 million a year earlier. Analysts tracked by FactSet were anticipating a 6-cent loss per share.\nSoFi's (SOFI) revenue rose to $231.3 million from $115.0 million, while analysts were expecting $218.6 million.\nShares of SoFi were off more than 12% in after-hours trading Thursday following the report, which was SoFi's first since going public in June .\nThe company's total member base grew to 2.6 million, up from 1.2 million a year earlier, while total products reached 3.7 million, up from 1.6 million a year ago. Both growth figures reflected expansion in SoFi's product offerings, the company said in its earnings report.\nLooking ahead to the third quarter, SoFi expects adjusted net revenue of $245 million to $255 million. It also expects earnings before interest, taxes, depreciation and amortization in the range of a $7 million loss to $3 million in earnings. Analysts tracked by FactSet were expecting positive Ebitda of $11.8 million.\nIn the latest quarter, SoFi generated total net revenue of $166.3 million in its lending business, up from $95.9 million a year prior. It saw 981,440 product originations in the lending business, including 18,102 home loans, 544,068 personal loans and 419,270 student loans.\nThe company's financial services segment recorded $17.0 million in revenue, up from $2.4 million a year earlier. The segment saw directly attributable expenses of $41.8 million, which brought the contribution loss to $24.7 million. A year earlier, SoFi recognized directly attributable expenses of $33.3 million that brought the contribution loss to $30.9 million.\nSoFi saw growth in its technology business, which mainly consists of the Galileo Financial Technologies operations that it acquired in May 2020. Galileo provides services to neobanks. It had 78.9 million accounts as of the second quarter, up from 36.0 million a year prior.\nRevenue from this segment increased to $45.3 million from $19.0 million. The company noted that it has engaged in heavy investments to migrate the technology operations to the cloud, expand geographically, and nearly double headcount for this part of the business.","news_type":1,"symbols_score_info":{"SOFI":0.9}},"isVote":1,"tweetType":1,"viewCount":2644,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}