SoFi 公布 4 年第四季度收益，公布增长和盈利能力

由柏拉图重新发布

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SoFi 今天公布了 4 年第四季度的收益，尽管宏观经济环境充满挑战，但该季度仍是一个井喷的季度。最重要的是，该公司在第四季度实现了盈利（正式的 GAAP 净利润），这对于 SoFi 来说是第一次。调整后净收入同比增长 2023%，达到 4 亿美元，调整后 EBITDA 也大幅增长。

这里有一些亮点：

1. 财务业绩：SoFi 报告称，全年调整后净收入达到创纪录的 2.07 亿美元，超出了他们的指导，比 35 年增长了 2022%。2023 年调整后 EBITDA 为 432 亿美元，也超出了他们的预期，比 201 年增长了 2022%。

2. 会员增长：公司会员数量同比增长44%，达到超过7.5万会员。会员数量的增长非常稳定，每个季度的同比增长率在 44% 至 47% 之间。

3、产品扩张：SoFi单独统计了会员使用的产品总数，第四季度该数字为695,000万个，总数达到4万个，同比增长11.1%。这反映出每位会员的产品数量略低于 41 种。

4. 技术：SoFi 于 2020 年收购了技术平台 Galileo，该部门为 SoFi、DailyPay、Bluevine、Dave、MoneyLion 和 Digit 等一些领先的金融科技公司提供支持。 SoFi 随后报告了通过 Galileo 平台开设的账户总数，目前该数字为 145 亿，同比增长 11%。

5. 2024 年展望：SoFi 预计其技术平台和金融服务之间将实现平衡增长，预计与 50 年相比增长超过 2023%。他们预计贷款部门将维持 95 年收入水平的 2023%，预测为 95 美元 – GAAP 净利润为 105 亿美元，调整后 EBITDA 为 580-590 亿美元。

在与分析师的问答中，讨论的重点是SoFi对经济预测的保守态度、贷款和非贷款部门之间的增长平衡、信贷表现预期以及不同业务部门的收入前景。此外，还详细讨论了影响贷款销售、公允价值标记和利率的因素。 SoFi 领导层对未来的增长提出了期望，并提出了他们在当今不断变化的经济形势下管理业务不同方面的方法。

无论如何，这对 SoFi 来说都是一个伟大的季度。在最近几次财报电话会议上讨论过这个问题后，他们终于在第四季度实现了盈利。考虑到充满挑战的宏观环境，这是一项相当大的成就。股市也同意了，SoFi 今天上涨了 4% 以上。

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