저자: Jason · 외국인
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결론: 영상 발표자는 SoFi(소파이)를 포함한 IPOE(소셜캐피털 SPAC) 주식에 긍정적이며 상승 여력이 있다고 본다. IPOE 및 SoFi 합병 배경: 소셜캐피털(Chamath Palihapitiya) 계열 SPAC 종목 IPOE가 SoFi 상장을 추진하면서 발표 직후 주가가 급등했고, 52주 고점 부근에서 거래 중이다. 발표자는 추가 상승 여력을 본다. SoFi 사업 설명: 예금·투자(주식, 암호화폐, 소수점 주식)·개인대출·신용카드·주택담보대출·학자금대출을 한 앱에서 제공하는 핀테크 기업이다. 발표자 본인도 앱을 사용하며 주식을 매수한 적이 있다고 밝힘. 시장 규모 및 경쟁력: 미국 은행 계좌 5억 개 이상이 있으며 상위 10개 레거시 은행이 50%를 점유한다. 소비자 절반이 두 개 이상 은행을 쓰므로 원스톱 뱅크로서 cross-sell 기회가 크다고 설명. 로빈후드 등과 비교해 대출·신용카드 등 제공 범위가 넓다는 점을 차별점으로 제시. 경영진: CEO Anthony Noto(前 트위터 CEO, NFL CFO, 골드만삭스 출신) 등 골드만삭스·아마존·우버·테슬라 출신 인력 구성이 강점이라고 언급. 실적 및 전망: 회원 수 2021년 300만 명 목표(전년 대비 75% 증가, 2020년 말 170만 명). 2020~2025년 매출 연평균 성장률 43% 전망, 2023년 순이익 흑자 전환 예상. 현재 매출은 대출 비중이 가장 크다. 자금 및 리스크: 합병 후 현금 24억 달러 중 19억 달러는 재무상태표로, 나머지는 부채 상환 등에 사용. 발표자는 구체적 리스크(규제, 대출 부실 등)는 언급하지 않음. 발표자는 Weeble 무료 주식 프로모션과 Patreon 디스코드 채널을 홍보하며, 시청자에게 SoFi 이용 경험과 투자 의향을 댓글로 물어봄.
다듬은 글
hey what's up everybody i'm jason and you're watching my channel micro investor so i have a new favorite stack out there and that is ipoe it's a new social capital uh spax stock if you know who social capital is that's the um company that brought up uh virgin galactic open door and a couple other uh companies that they have helped bring public and uh chairmanpelihaptee is the guy that's in charge of that big family guy a very great businessman very great for just finding perfect companies to invest into and he he is bringing out uh helping so uh sofi go public and sofi is a company that i thought would go public in 2020 actually i mentioned them in a video before companies that i could see going public in 2020 and we didn't see that in 2020 but we are now seeing that in 2021 and this is great news uh sofi is a personal finance company and they also allow uh the uh the users to invest in the stocks and get personal loans and stuff like that great company i actually i do use the application that they have really great great application i've even purchased some stocks on it so um we're going to be talking about so far we're going to be talking about ipoe uh so as we get into it if you guys don't mind please do me a huge favor and please be sure to smash destroy and not leave that like button because as you know that helps me out with the youtube algorithm and it helps spread these videos to more people that might find them interesting also subscribe if you have not already you can get your free stocks on weeble if you don't have an account there yet with your deposit of 100 or more they're still doing that for free stock promotion and if you want to help out this channel even more i have a patreon with a private discord link is in the description all right now let's get to this all right let's look at ipoe's stock here so this is when the recent announcement just came out that they're going to be emerging with sofi and as you can see just like every spec does the stock popped off and we're still seeing on a trajectory of the stock going up from there if we look at the 52-week range currently it's trading around the high but i can expect that this is going to be one that is going to continue to go up even more because there is quite a bit of hype behind uh so far a lot of people are interested in investing into it and there has been some anticipation uh with investing into it i'm i myself am one of those people that have been wanting to invest in this company as well so the reason why i'm so interested in sofa is that i missed out on some of the bigger fintech stocks to buy into i didn't get into them at the right time and since sophie is such a new company they really built out a lot of their foundation in 2019 and 2020 and now they're going public i really see this as a great opportunity to buy into so what we're going to do first is we're going to take a look over at their investor presentation and get an idea of of some of the things that this company offers so to give you guys a general idea of what sofi does this is the basics right here so you can do the traditional banking style you know that has you can manage your money but then you can also do investing you can buy uh stocks and crypto they do uh fractional shares uh and that's a great aspect of this company and i'll get more into that as we get into this video but they also have personal loans they have credit cards home loans and student loans so it makes a lot of sense why social capital would be interested in helping bring this company public and so if i made this example here kind of just showing that there's plenty of room for uh for their company it says up for grabs 500 million plus bank accounts across 4 700 plus fdic incumbent banks the top 10 legacy banks hold 50 of consumers 500 million plus bank accounts and a large majority of them is actually the top four and we can pretty much guess also it's like jp morgan chase bank of america wells fargo city group would make up the top four and then um a good majority of the 4700 plus bank accounts make up 48 of uh of the other banks that are fdi and c insured in the united states and uh they have this other graph over here that says 50 percent of americans use more than one bank for financial services now sulfite is offer a lot of different things to easily be a single use bank you know they have uh they have the banking side the investment side the borrow credit cards et cetera for the people that just want to have one single bank account to kind of manage everything um but at the same time it's online banking so it could be used um as a secondary account or you know your third account or whatever um just because it also has that simplicity to it to be able to do that and the management team over at so far pretty amazing so the main guy here anthony noto the c ceo of uh of sofi he also was the ceo of twitter the cfo of nfl and the um and the managing director over at goldman sachs so he has a pretty good resume there and then if you look at the other people that are involved in the company like the cfo uh has worked for uber and goldman sachs and uh the rest of the team here it's got more people from goldman sachs amazon zynga uh people from amazon microsoft city group intuit tesla toyota so a good good mix of people that uh have a pretty good resume behind them sophie gives this example here of their timeline of their expansions and being able to cross-sell uh different aspects of financial services which i also mentioned earlier you know that they did they did a lot of expansions in 2019 and 2020 to be adding a lot more stuff and it's all under the same one platform the same one application can be able to do you know the banking the investing the home loans in school loans the credit cards etc you know all the same one application which is very convenient and uh really allows them to be able to um you know grow their business from there because you think about companies like robin hood who have branched out into banking uh as well as with their investing and their commission free investing which is you know same thing that sofi does um but but the differences with sofi is that they also do home loans and and credit cards and stuff like that which is something that robin hood doesn't have or in one finance or any of those other guys uh they don't have that so that kind of puts sophie in a different category and something to help impress investors that are looking to invest into sofi is that they're on track to exceed 3 million members in 2021 and that's up 75 percent after six consecutive quarters of accelerating year over year growth and these unique um these numbers here are unique members in thousands so in uh quarter three 2018 they had 629 000 uh members and in the fourth quarter of their 2020 year they had 1.7 million members but they're expecting to have a big leap in 2021 uh with uh three million members and you can see basically with their their expansions that they've done with the investing the home loans and all that stuff how that has really helped improve their business a lot you know looking at their 2019 they had a lot of growth in 2019 and 2020 and they see all this really helping them grow much more into 2021.
so they list projected financial results from 2020 to 2025. now i'm assuming that uh they're expecting results for 2020 they have a pretty good idea of it since it's 2021. but the majority of all the revenue right now comes from lending which is to be expected because company deals with uh personal loans home loan student loans and credit cards so that would be the majority of the money but uh you know they're branching out into more things like investing and other services like robo investing and stuff like that so uh they plan on that stuff expanding out uh revenue on on into 2025 and they're expecting a compound animal growth rate of 43 percent between 2020 and 2025 and they're also expecting to start being net income positive by 2023 is what they're expecting so they have a lot of growth that they're uh that they're seeing that they're going to have based off of previous history and uh with all these expansions of being able to cross market the different services they're offering now this whole merger is finalized there's going to be 2.4 billion dollars in cash where 1.9 billion of it is going to go uh to their balance sheet and uh the rest of money is going to go to pay down some debt and some other proceeds going out as well so i really like so far i like the simplicity of the whole thing and i like how everything is all integrated you know to be able to run all together which is cool and i can see how they can generate a lot of money off of that being able to cross sell their different services that they have without needing to um without even really advertising a whole lot like the investment side if you have if you're doing banking you can do investing or you know you can apply for a loan or whatever all kind of just right there which is really cool but i mainly just use sofi for the investment side of it i i just think it's cool the way they did it you can buy fractional shares you can buy one dollars worth of amazon which is uh really neat i'll actually put a uh uh a referral uh link in the in a pin comment below um i'm not paid by them it's just a regular referral friend uh link anyways i like to hear every slot so on so far let me know what you think of this isn't anybody out there using them that has anybody got on a loan through them uh is anybody excited to invest into them please let me know so as always everybody please like share comment and subscribe new videos coming out on my channel all the time thank you guys for watching i'll see you all in the next video coming very soon you
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