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SoFi(SOFI)와 팔란티어(PLTR)를 긍정적으로 소개. SoFi는 분기 매출 약 4.98억 달러(+37% YoY), 고객 620만명(+44%), 예금 73억→127억 달러 증가, 학자금대출 재개 수혜를 근거로 강세 제시하고 비관론(학자금대출 위험, 적자)을 반박. 팔란티어는 AIP 컨퍼런스 호평(Wedbush Ives 등), 다음 실적 EPS 500% 급증 가능성, PEG 1.19로 업종 대비 저평가라고 주장. 채널 주인은 두 종목을 장기 보유 중이라고 밝히고 개인 ETF(VTI, VOO, SPY, QQQM 등) 선호도 언급.
다듬은 글
Sofi Technologies and palantir Technologies in this video we will be analyzing four articles to where the first one is titled is Sofi stock a buy so we're going to be going over their latest news updates upcoming catalysts and their price Targets on top of that we are going to go over some skeptical arguments against Sofi Technologies and I'm going to destroy them one by one because a lot of the bearish arguments are terrible against Sofi Technologies because this is such a fundamentally strong company after that we're going to move on and talk about palantir Technologies regarding their most recent AIP conference and how their artificial intelligence Vision really paves the way for their future success we're also going to talk about how Wall Street is slowly changing their opinions about palantir Technologies and why it's such a good company and then lastly we're going to discuss how the company could surge by 500 in this one very important metric so stay tuned for more videos on Sofi Technologies and palantir Technologies and if you want more videos on either of these companies don't forget tell me what price targets you have for Sofi and palantir over the next 12 months and if you feel like it go ahead and let's jump straight into today's stories starting off we have Sofi Technologies ticker symbol s o f i this is a fintech company or a financial technology company that essentially operates as a digital bank they have a very compelling business model and sofa has experienced immense momentum over the last few quarters for instance their revenue in the second quarter surged by around 37 year over year to bring in around 498 million dollars almost half a billion dollars in just one quarter on top of that they are also attracting a lot of customers and they're stealing market share away for from larger Banks that's why their customer base is growing very rapidly up 44 from Q2 of 2022 to reach that 6.2 million customer base on top of their outstanding growth even more strikingly is that they are doing this during uncertain macroeconomic times meaning that once the volatility in the overall stock market and economy starts to be ironed out this company is going to perform even better because if they can perform this well despite volatile Economic Times They are going to shine when things start to settle down management even went so far to raise their overall full-year guidance for their revenue to now expect adjusted Revenue to come in close to 2 billion dollars at the midpoint which is absolutely insane we also have to remember that with government-backed student loans set to resume after a three-year Hiatus meaning that the government initiated a pause on the student loans we're going to see a huge increase for Sofi Technologies student loan refinancing and with this demand this will increase their overall financials specifically in their student loan refinancing segment lastly we also know that so if I increase their overall deposits from 7.3 billion at the end of 2022 up to 12.7 billion as of June 30th and that is a huge increase on top of that we saw Sofi expanded their overall FDIC insurance coverage up to 2 million dollars and we also know that the company is set to become a profitable so those are all the things that you may already be aware of but now let's talk about their future price projections for their overall share price currently Sofi stock trades at 8.69 well a very positive analysts believe this company could achieve at 16 over the next 12 months essentially almost doubling your money but at the same time we have very bearish negative critic analysts who are skeptical saying that this company could fall to around three dollars per share now let me tell you why these bearish arguments are completely wrong the first thing that bearish critical naysayers say about this company is they highlight their student loan originations which have a sword the business has approved around 6.5 billion dollars which is a huge amount of these types of loan applications accounting for 79 percent of sofi's total lending activity during this time and many bears believe that this is a huge potential risk for this overall company because with all of these originations for personal loans at a time when the US economy remains very uncertain and volatile what if people start to not pay back on their unsecured loans and that would mean Sofi Technologies has to float the bill for this however this is absolutely ridiculous because Sofi has a very strict underwriting policies and they don't just give personal loans to anyone the majority of members that Sofi Technologies has have credit scores above 740 on top of making over six figures so these people are very unlikely to default and not pay back on their personal loans on top of that with such a high interest rate environment personal loans creates an Avenue for Sofi Technologies to make loads of money because people are using personal loans to pay off other high interest debt and this means that as the prime rate goes up for interest rates and people's personal loans increase for their overall interest rates it means that sofa is making loads of money off of these loans so I really don't understand the critics and they say are saying that oh what if these people end up not paying back their loans yeah but luckily Sofi Technologies has great underwriting policies they vet the people who they give loans to and the people that they give loans to are very low risk meaning that they are essentially guaranteed to pay back these loans so again this is not good argumentation from the bearish side next they say that sofa Technologies is not a profitable company which is true but if they just look at their overall projections even management anticipates the company will become a profitable on a gap basis a generally accepted accounting principles basis in a quarter four so if they just look at the overall future projections this is a very fundamentally strong institution so both of these skeptical arguments hold absolutely no water logically when talking about personal loans and Sofi not becoming a profitable now to my surprise the author of this article says that until he sees consistent prophets he won't invest into this company which is a wise position to take however I think this company is so strong that I personally have invested into this company before they became profitable because once they become profitable that is going to ignite their overall share price and since I'm a long-term investor I want to get these shares as cheap as possible so my long-term gains are even more impressive so I am a little more risky than this author even though I would classify myself as very risk averse but overall this company is doing phenomenal we have a lot of upcoming catalysts for this company such as the student loan moratorium which has ended as well as them becoming profitable in the fourth quarter and management raised their guidance on this company to bring in around 2 billion dollars so this is very exciting I anticipate that the share price will continuously increase over the next few quarters and even Wall Street professionals have identified the overall positivity surrounding this company for instance a great number of investors on Wall Street as well as Main Street know that the company is crushing it in terms of their overall finances we know that this company is fundamentally strong and that they are stealing overall market share from much larger Banks to where its positioning Sofi Technologies to eventually become one of those large Blue Chip Banks which is phenomenal so if you get in on this company early it's going to be very beneficial not to mention when we look at their overall price to sales ratio it's only around 4.4 and considering we can discount that against their current growth rate of over 30 percent on a compounding annual growth rate basis regarding their revenue this means their PS ratio is literally a phenomenal deal to buy this company and purchase shares at right now that's why soapy technology earns a B rating on a portfolio grader overall I can't wait to see what this company makes of themselves in the future and I will keep you updated on upcoming catalysts now let's move over and talk about palantir Technologies ticker symbol pltr and this company agencies on top of that the company also specializes in artificial intelligence which is what's leading their share price even higher lately pancher Technologies also recently had their AIP conference AIP meaning their artificial intelligence platform which they recently released and this Conference was held last week and it showed the company's vision for the future of their artificial intelligence platforms and how it's resonating very positively with customers a number of Wall Street firms even commented about this conference and said and I quote we were impressed at the range of Industries across the board represented at the customer conference ranging from Financial Services Healthcare Transportation Logistics manufacturing software and the overall Services industry and this came from none other than a five-star analyst named Daniel Ives from wed Bush on top of that they also commented I by saying that with these success slash case study stories we learned that the palantir offering isn't just a product base it is a hand engineered solution for its customers exact pain points meaning that this is not one system that works identically for all companies essentially it adapts to that particular organization's needs and that's what it focuses on on a deeper level Daniel Ives even commented by saying that AIP by palantir Technologies is completely and fully integrated and it's extremely impressive and that's why Daniel Ives believes that this company is going to Surge in their overall share price up to 25 even though right now it trades for around 15 and 46 cents meaning that this company has a substantial amount of upside ahead of it in closing Daniel Ives says overall we believe palantir is on the golden path for its monetization story on the commercial side and is well positioned to capitalize on the strong commercial spending Tailwinds in the second half of 2023 and throughout the year of 2024.
Daniel Ives is an authority on this topic but let's not just take his word for it let's look at what a Bank of America analyst also had to say who commented on palinger's recent AIP conference where palantir showed and answered questions about their AI strategy to where this analyst said that pounder's greater ability to scale and capture the increased Demand on top of being less Capital intensive palantir Technologies overall is a phenomenal institution now clearly I paraphrased that but overall you can see the bullishness from very highly respected analysts so this is a phenomenal growth story for palantir Technologies and I love how both Sofi Technologies and palantir Technologies are showing their true colors because I've been reporting on this company for almost three years now and I've been banging the table to be smart on both of these companies because of the future of these companies looks phenomenal but we're not done because we still have to talk about a specific metric in palantir Technologies which is set to to Surge up to 500 percent palantir technologies will be looking to display their strength in their next earnings release and on that day palantir Technologies is anticipated to report earnings per share of six cents which is very positive this six cent EPS which is very impressive because it's on the positive side will represent a year-over-year growth of 500 percent talk about absolutely insane growth from this company an investors should be extremely excited now on the other hand we have Zach's consensus estimates which suggests that analysts are anticipating earnings per share for the full year coming in at 23 cents per share and revenue coming in at 2.2 billion dollars which would equate to a 283.33 increase for their earnings per share and a 16.25 increase regarding their revenue cagr but again both of these metrics are very impressive zaxa also has a system from ratings stocks from one to five one being the best indicating a strong buying opportunity and five would be a strong selling opportunity and they rate balance your Technologies as a hold rating coming in at a rating of three this is mainly due to palantir Technology's very high forward p e ratio which comes in at 67.49 that's very high because their industry average is around 23.84 for their forward p e ratio but if we look at a more important metric in my estimation which is their Peg or PEG ratio palantir sits at around a 1.19 right now and what's good about this is that the PEG ratio or PEG ratio takes into account that specific company's growth rate for their overall earnings and when we look and compare palantir's PEG ratio to the industry's PEG ratio they come in at a lower PEG ratio which makes them a better buying opportunity because the overall technology and services space has a PEG ratio of 1.38 while palantir has a 1.19 making palantir a better buying opportunity considering their future growth rate so don't let people Lead You astray with all of these accounting ratios which are taken out of context when you look at these accounting ratios you need to also look at the company's growth rate which will offset these accounting ratios and that's how you get more accurate predictions overall this video explains why I really like Sofi Technologies and at palantir Technologies as long-term Investments however I personally do not have a five percent initial portfolio allocation to either of these companies because I like to practice proper risk management even though I personally am an ETF mutual fund and Index Fund investor I like vtischd voo or spy as well as qqqm those are the ETFs that I really enjoy and if I wanted to throw another one in there I would do mtum to get that momentum for my overall portfolio but in the end we can see that Sofi Technologies and palantir Technologies are not only doing good now but they're anticipated to do even better in the future meaning that their overall share price is set to increase over the next few months and especially over the next few years so I hope you're excited about these companies and if you want more videos on Sofi Technologies or balance your Technologies please comment down below which of these companies you want me to report on more of and smash the like button so I can make more videos just like this one with that being said don't forget to go and annihilate the like button and I will see you in the next YT video
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