{"id":316971,"date":"2025-07-20T17:14:44","date_gmt":"2025-07-20T17:14:44","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/sofi-stock-dividend-2\/"},"modified":"2025-07-20T17:14:44","modified_gmt":"2025-07-20T17:14:44","slug":"sofi-stock-dividend","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/vt\/knowledge-base\/trading\/sofi-stock-dividend\/","title":{"rendered":"C\u1ed5 T\u1ee9c C\u1ed5 Phi\u1ebfu SoFi: H\u01b0\u1edbng D\u1eabn Chuy\u00ean Gia cho Nh\u00e0 \u0110\u1ea7u T\u01b0 Chi\u1ebfn L\u01b0\u1ee3c"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":5,"featured_media":194619,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[28,45,44],"class_list":["post-316971","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trading","tag-investment","tag-stock","tag-strategy"],"acf":{"h1":"C\u1ed5 T\u1ee9c C\u1ed5 Phi\u1ebfu SoFi: Ph\u00e2n T\u00edch \u0110\u1ea7u T\u01b0 Ho\u00e0n Ch\u1ec9nh","h1_source":{"label":"H1","type":"text","formatted_value":"C\u1ed5 T\u1ee9c C\u1ed5 Phi\u1ebfu SoFi: Ph\u00e2n T\u00edch \u0110\u1ea7u T\u01b0 Ho\u00e0n Ch\u1ec9nh"},"description":"Ph\u00e2n t\u00edch c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu SoFi v\u1edbi nh\u1eefng hi\u1ec3u bi\u1ebft quan tr\u1ecdng \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn. Th\u00f4ng tin c\u1ea7n thi\u1ebft cho vi\u1ec7c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 trong c\u00e1c th\u1ecb tr\u01b0\u1eddng fintech n\u0103ng \u0111\u1ed9ng.","description_source":{"label":"Description","type":"textarea","formatted_value":"Ph\u00e2n t\u00edch c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu SoFi v\u1edbi nh\u1eefng hi\u1ec3u bi\u1ebft quan tr\u1ecdng \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn. Th\u00f4ng tin c\u1ea7n thi\u1ebft cho vi\u1ec7c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 trong c\u00e1c th\u1ecb tr\u01b0\u1eddng fintech n\u0103ng \u0111\u1ed9ng."},"intro":"SoFi Technologies \u0111\u00e3 n\u1ed5i l\u00ean nh\u01b0 m\u1ed9t nh\u00e2n t\u1ed1 then ch\u1ed1t trong cu\u1ed9c c\u00e1ch m\u1ea1ng fintech, khi\u1ebfn c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u1ea3i \u0111\u00e1nh gi\u00e1 l\u1ea1i k\u1ef3 v\u1ecdng c\u1ed5 t\u1ee9c truy\u1ec1n th\u1ed1ng trong c\u00e1c khung ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi. Vi\u1ec7c xem x\u00e9t ti\u1ec1m n\u0103ng c\u1ed5 t\u1ee9c c\u1ee7a c\u1ed5 phi\u1ebfu SoFi n\u00e0y cung c\u1ea5p nh\u1eefng hi\u1ec3u bi\u1ebft quan tr\u1ecdng v\u1ec1 v\u1ecb tr\u00ed hi\u1ec7n t\u1ea1i c\u1ee7a c\u00f4ng ty, kh\u1ea3 n\u0103ng trong t\u01b0\u01a1ng lai v\u00e0 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ea7u t\u01b0 th\u1ef1c t\u1ebf \u0111\u1ec3 c\u00e2n b\u1eb1ng c\u01a1 h\u1ed9i t\u0103ng tr\u01b0\u1edfng v\u1edbi y\u00eau c\u1ea7u thu nh\u1eadp trong b\u1ed1i c\u1ea3nh t\u00e0i ch\u00ednh \u0111ang ph\u00e1t tri\u1ec3n ng\u00e0y nay.","intro_source":{"label":"Intro","type":"text","formatted_value":"SoFi Technologies \u0111\u00e3 n\u1ed5i l\u00ean nh\u01b0 m\u1ed9t nh\u00e2n t\u1ed1 then ch\u1ed1t trong cu\u1ed9c c\u00e1ch m\u1ea1ng fintech, khi\u1ebfn c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u1ea3i \u0111\u00e1nh gi\u00e1 l\u1ea1i k\u1ef3 v\u1ecdng c\u1ed5 t\u1ee9c truy\u1ec1n th\u1ed1ng trong c\u00e1c khung ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi. Vi\u1ec7c xem x\u00e9t ti\u1ec1m n\u0103ng c\u1ed5 t\u1ee9c c\u1ee7a c\u1ed5 phi\u1ebfu SoFi n\u00e0y cung c\u1ea5p nh\u1eefng hi\u1ec3u bi\u1ebft quan tr\u1ecdng v\u1ec1 v\u1ecb tr\u00ed hi\u1ec7n t\u1ea1i c\u1ee7a c\u00f4ng ty, kh\u1ea3 n\u0103ng trong t\u01b0\u01a1ng lai v\u00e0 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ea7u t\u01b0 th\u1ef1c t\u1ebf \u0111\u1ec3 c\u00e2n b\u1eb1ng c\u01a1 h\u1ed9i t\u0103ng tr\u01b0\u1edfng v\u1edbi y\u00eau c\u1ea7u thu nh\u1eadp trong b\u1ed1i c\u1ea3nh t\u00e0i ch\u00ednh \u0111ang ph\u00e1t tri\u1ec3n ng\u00e0y nay."},"body_html":"<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>T\u00ecnh Tr\u1ea1ng C\u1ed5 T\u1ee9c Hi\u1ec7n T\u1ea1i c\u1ee7a SoFi: S\u1ef1 Th\u1eadt v\u00e0 B\u1ed1i C\u1ea3nh Chi\u1ebfn L\u01b0\u1ee3c<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 nghi\u00ean c\u1ee9u c\u01a1 h\u1ed9i fintech, m\u1ed9t c\u00e2u h\u1ecfi th\u01b0\u1eddng xu\u1ea5t hi\u1ec7n: c\u1ed5 phi\u1ebfu sofi c\u00f3 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00f4ng? C\u00e2u tr\u1ea3 l\u1eddi tr\u1ef1c ti\u1ebfp l\u00e0 kh\u00f4ng\u2014SoFi Technologies (NASDAQ: SOFI) hi\u1ec7n kh\u00f4ng tr\u1ea3 c\u1ed5 t\u1ee9c cho c\u1ed5 \u0111\u00f4ng. \u0110\u00e2y l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn chi\u1ebfn l\u01b0\u1ee3c c\u00f3 ch\u1ee7 \u0111\u00edch ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t h\u1ea1n ch\u1ebf t\u00e0i ch\u00ednh.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>K\u1ec3 t\u1eeb khi ra m\u1eaft c\u00f4ng ch\u00fang th\u00f4ng qua s\u00e1p nh\u1eadp SPAC v\u00e0o th\u00e1ng 6 n\u0103m 2021, SoFi \u0111\u00e3 \u01b0u ti\u00ean t\u00e1i \u0111\u1ea7u t\u01b0 m\u1ea1nh m\u1ebd v\u00e0o t\u0103ng tr\u01b0\u1edfng kinh doanh. \u0110\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u00e0o n\u0103m 2011 nh\u01b0 m\u1ed9t n\u1ec1n t\u1ea3ng t\u00e1i c\u1ea5p v\u1ed1n cho vay sinh vi\u00ean, c\u00f4ng ty \u0111\u00e3 nhanh ch\u00f3ng m\u1edf r\u1ed9ng th\u00e0nh m\u1ed9t h\u1ec7 sinh th\u00e1i d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n v\u1edbi 7,5 tri\u1ec7u th\u00e0nh vi\u00ean t\u00ednh \u0111\u1ebfn Q1 2023, \u0111\u1ea1i di\u1ec7n cho m\u1ee9c t\u0103ng tr\u01b0\u1edfng 46% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>\u01afu Ti\u00ean Chi\u1ebfn L\u01b0\u1ee3c<\/th><th>T\u00e1c \u0110\u1ed9ng T\u00e0i Ch\u00ednh<\/th><th>L\u00fd Do Chi\u1ebfn L\u01b0\u1ee3c<\/th><\/tr><\/thead><tbody><tr><td>T\u0103ng Tr\u01b0\u1edfng Th\u00e0nh Vi\u00ean<\/td><td>Chi ph\u00ed ti\u1ebfp th\u1ecb $313M (2022)<\/td><td>X\u00e2y d\u1ef1ng quy m\u00f4 kinh t\u1ebf tr\u00ean c\u00e1c d\u1ecbch v\u1ee5 cho vay v\u00e0 t\u00e0i ch\u00ednh<\/td><\/tr><tr><td>C\u01a1 S\u1edf H\u1ea1 T\u1ea7ng Ng\u00e2n H\u00e0ng<\/td><td>Th\u00e2u t\u00f3m gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng $750M+<\/td><td>Gi\u1ea3m chi ph\u00ed t\u00e0i tr\u1ee3 v\u00e0 khung ph\u00e1p l\u00fd cho t\u0103ng tr\u01b0\u1edfng t\u01b0\u01a1ng lai<\/td><\/tr><tr><td>N\u1ec1n T\u1ea3ng C\u00f4ng Ngh\u1ec7<\/td><td>Th\u00e2u t\u00f3m Galileo\/Technisys $2.3B<\/td><td>D\u00f2ng doanh thu B2B l\u1ee3i nhu\u1eadn cao b\u1ed5 sung cho kinh doanh ti\u00eau d\u00f9ng<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1ch ti\u1ebfp c\u1eadn kh\u00f4ng c\u1ed5 t\u1ee9c n\u00e0y ph\u00e2n bi\u1ec7t SoFi v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng nh\u01b0 JPMorgan (l\u1ee3i su\u1ea5t 2.5%) v\u00e0 Bank of America (l\u1ee3i su\u1ea5t 2.7%), nh\u1eefng t\u1ed5 ch\u1ee9c tr\u1ea3 l\u1ea1i v\u1ed1n \u0111\u00e1ng k\u1ec3 cho c\u1ed5 \u0111\u00f4ng. Thay v\u00e0o \u0111\u00f3, m\u00f4 h\u00ecnh c\u1ee7a SoFi gi\u1ed1ng v\u1edbi c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 giai \u0111o\u1ea1n \u0111\u1ea7u \u01b0u ti\u00ean chi\u1ebfm l\u0129nh th\u1ecb ph\u1ea7n h\u01a1n l\u00e0 l\u1ee3i nhu\u1eadn ngay l\u1eadp t\u1ee9c cho c\u1ed5 \u0111\u00f4ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch t\u00e0i ch\u00ednh c\u1ee7a Pocket Option nh\u1ea5n m\u1ea1nh qu\u1ef9 \u0111\u1ea1o t\u00e0i ch\u00ednh \u0111ang c\u1ea3i thi\u1ec7n c\u1ee7a SoFi m\u1eb7c d\u00f9 kh\u00f4ng c\u00f3 c\u1ed5 t\u1ee9c. Q1 2023 mang l\u1ea1i $472 tri\u1ec7u doanh thu (t\u0103ng tr\u01b0\u1edfng 43% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc) v\u00e0 qu\u00fd th\u1ee9 ba li\u00ean ti\u1ebfp c\u00f3 l\u1ee3i nhu\u1eadn GAAP\u2014\u0111\u1ed9ng l\u1ef1c t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 cu\u1ed1i c\u00f9ng h\u1ed7 tr\u1ee3 l\u1ee3i nhu\u1eadn cho c\u1ed5 \u0111\u00f4ng khi doanh nghi\u1ec7p tr\u01b0\u1edfng th\u00e0nh.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>C\u1ed5 Phi\u1ebfu SoFi C\u00f3 Tr\u1ea3 C\u1ed5 T\u1ee9c Kh\u00f4ng: B\u1ed1i C\u1ea3nh v\u00e0 D\u00f2ng Th\u1eddi Gian Chi\u1ebfn L\u01b0\u1ee3c<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ec3 hi\u1ec3u t\u1ea1i sao c\u00e2u tr\u1ea3 l\u1eddi cho c\u00e2u h\u1ecfi c\u1ed5 phi\u1ebfu sofi c\u00f3 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00f4ng l\u00e0 kh\u00f4ng, c\u1ea7n ph\u1ea3i xem x\u00e9t c\u00e1ch c\u00e1c c\u00f4ng ty fintech th\u01b0\u1eddng ph\u00e1t tri\u1ec3n ch\u00ednh s\u00e1ch tr\u1ea3 l\u1ea1i cho c\u1ed5 \u0111\u00f4ng trong su\u1ed1t chu k\u1ef3 ph\u00e1t tri\u1ec3n c\u1ee7a h\u1ecd.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>K\u1ebft qu\u1ea3 t\u00e0i ch\u00ednh Q1 2023 c\u1ee7a SoFi minh h\u1ecda t\u1ea1i sao vi\u1ec7c ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c v\u1eabn c\u00f2n s\u1edbm m\u1eb7c d\u00f9 doanh thu t\u0103ng v\u00e0 l\u1ee3i nhu\u1eadn \u0111ang n\u1ed5i l\u00ean. C\u00f4ng ty b\u00e1o c\u00e1o EBITDA \u0111i\u1ec1u ch\u1ec9nh l\u00e0 $76 tri\u1ec7u (t\u0103ng tr\u01b0\u1edfng 151% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc) nh\u01b0ng v\u1eabn c\u1ea7n c\u1ee7ng c\u1ed1 v\u1ecb th\u1ebf v\u1ed1n v\u00e0 t\u00e0i tr\u1ee3 cho s\u1ef1 m\u1edf r\u1ed9ng ti\u1ebfp t\u1ee5c trong c\u00e1c th\u1ecb tr\u01b0\u1eddng c\u1ea1nh tranh cao.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Giai \u0110o\u1ea1n Ph\u00e1t Tri\u1ec3n<\/th><th>D\u1ea5u Hi\u1ec7u T\u00e0i Ch\u00ednh<\/th><th>C\u00e1ch Ti\u1ebfp C\u1eadn Tr\u1ea3 L\u1ea1i V\u1ed1n Th\u00f4ng Th\u01b0\u1eddng<\/th><th>V\u00ed D\u1ee5<\/th><\/tr><\/thead><tbody><tr><td>T\u0103ng Tr\u01b0\u1edfng S\u1edbm (SoFi hi\u1ec7n t\u1ea1i)<\/td><td>T\u0103ng tr\u01b0\u1edfng doanh thu &gt;30%, l\u1ee3i nhu\u1eadn \u0111ang n\u1ed5i l\u00ean<\/td><td>Kh\u00f4ng c\u00f3 c\u1ed5 t\u1ee9c ho\u1eb7c mua l\u1ea1i<\/td><td>SoFi, Upstart, Affirm<\/td><\/tr><tr><td>T\u0103ng Tr\u01b0\u1edfng Trung B\u00ecnh<\/td><td>T\u0103ng tr\u01b0\u1edfng doanh thu 15-30%, l\u1ee3i nhu\u1eadn \u1ed5n \u0111\u1ecbnh<\/td><td>B\u1eaft \u0111\u1ea7u mua l\u1ea1i c\u1ed5 phi\u1ebfu<\/td><td>PayPal, Block (Square)<\/td><\/tr><tr><td>T\u0103ng Tr\u01b0\u1edfng Tr\u01b0\u1edfng Th\u00e0nh<\/td><td>T\u0103ng tr\u01b0\u1edfng doanh thu 5-15%, d\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh<\/td><td>B\u1eaft \u0111\u1ea7u c\u1ed5 t\u1ee9c l\u1ee3i su\u1ea5t th\u1ea5p<\/td><td>Visa (0.8%), Mastercard (0.7%)<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>M\u1eb7c d\u00f9 c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu sofi v\u1eabn v\u1eafng m\u1eb7t, c\u00f4ng ty s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p t\u1ea1o gi\u00e1 tr\u1ecb c\u1ed5 \u0111\u00f4ng thay th\u1ebf t\u1eadp trung v\u00e0o t\u0103ng tr\u01b0\u1edfng kinh doanh c\u01a1 b\u1ea3n:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>M\u1edf R\u1ed9ng S\u1ea3n Ph\u1ea9m:&nbsp;T\u0103ng t\u1eeb 1 s\u1ea3n ph\u1ea9m v\u00e0o n\u0103m 2011 l\u00ean h\u01a1n 20 s\u1ea3n ph\u1ea9m v\u00e0o n\u0103m 2023, t\u0103ng gi\u00e1 tr\u1ecb tr\u1ecdn \u0111\u1eddi m\u1ed7i th\u00e0nh vi\u00ean t\u1eeb $1,200 l\u00ean h\u01a1n $4,800<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Th\u00e2u T\u00f3m Chi\u1ebfn L\u01b0\u1ee3c:&nbsp;Galileo (2020) v\u00e0 Technisys (2022) mang l\u1ea1i doanh thu n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 l\u1ee3i nhu\u1eadn cao ($87M trong Q1 2023, t\u0103ng tr\u01b0\u1edfng 48%)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Hi\u1ec7u Qu\u1ea3 Ng\u00e2n H\u00e0ng:&nbsp;Gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng qu\u1ed1c gia \u0111\u01b0\u1ee3c c\u1ea5p v\u00e0o th\u00e1ng 1 n\u0103m 2022 gi\u1ea3m chi ph\u00ed t\u00e0i tr\u1ee3 h\u01a1n 150 \u0111i\u1ec3m c\u01a1 b\u1ea3n, c\u1ea3i thi\u1ec7n bi\u00ean l\u1ee3i nhu\u1eadn cho vay<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>N\u1ec1n T\u1ea3ng T\u00edch H\u1ee3p D\u1ecdc:&nbsp;Ki\u1ec3m so\u00e1t c\u00f4ng ngh\u1ec7 t\u1eeb giao di\u1ec7n kh\u00e1ch h\u00e0ng \u0111\u1ebfn x\u1eed l\u00fd c\u1ed1t l\u00f5i gi\u1ea3m chi ph\u00ed v\u00e0 t\u0103ng t\u1ed1c \u0111\u1ed5i m\u1edbi<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ea7u t\u01b0 c\u1ee7a Pocket Option d\u1ef1 \u0111o\u00e1n r\u1eb1ng c\u00e1c c\u01a1 ch\u1ebf tr\u1ea3 l\u1ea1i thay th\u1ebf nh\u01b0 mua l\u1ea1i c\u1ed5 phi\u1ebfu c\u00f3 kh\u1ea3 n\u0103ng s\u1ebd \u0111i tr\u01b0\u1edbc vi\u1ec7c b\u1eaft \u0111\u1ea7u c\u1ed5 t\u1ee9c, ph\u00f9 h\u1ee3p v\u1edbi s\u1ef1 ti\u1ebfn h\u00f3a tr\u1ea3 l\u1ea1i v\u1ed1n \u0111\u01b0\u1ee3c quan s\u00e1t th\u1ea5y \u1edf c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh kh\u00e1c.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>\u0110i\u1ec1u Ki\u1ec7n T\u00e0i Ch\u00ednh Cho Vi\u1ec7c Th\u1ef1c Hi\u1ec7n C\u1ed5 T\u1ee9c Trong T\u01b0\u01a1ng Lai<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 theo d\u00f5i ti\u1ec1m n\u0103ng c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu sofi, c\u00e1c c\u1ed9t m\u1ed1c t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3 th\u01b0\u1eddng \u0111i tr\u01b0\u1edbc vi\u1ec7c b\u1eaft \u0111\u1ea7u c\u1ed5 t\u1ee9c trong l\u0129nh v\u1ef1c fintech. Nh\u1eefng ch\u1ec9 s\u1ed1 kh\u00e1ch quan n\u00e0y cung c\u1ea5p c\u00e1c d\u1ea5u hi\u1ec7u c\u1ee5 th\u1ec3 cho th\u1eddi \u0111i\u1ec3m SoFi c\u00f3 th\u1ec3 chuy\u1ec3n sang c\u00e1c ch\u00ednh s\u00e1ch tr\u1ea3 l\u1ea1i cho c\u1ed5 \u0111\u00f4ng:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 S\u1ed1 T\u00e0i Ch\u00ednh<\/th><th>Ng\u01b0\u1ee1ng C\u1ed5 T\u1ee9c<\/th><th>T\u00ecnh Tr\u1ea1ng Hi\u1ec7n T\u1ea1i c\u1ee7a SoFi<\/th><th>D\u00f2ng Th\u1eddi Gian \u01af\u1edbc T\u00ednh<\/th><\/tr><\/thead><tbody><tr><td>L\u1ee3i Nhu\u1eadn GAAP<\/td><td>8+ qu\u00fd li\u00ean ti\u1ebfp c\u00f3 l\u1ee3i nhu\u1eadn<\/td><td>3 qu\u00fd li\u00ean ti\u1ebfp (Q3 2022-Q1 2023)<\/td><td>2024-2025<\/td><\/tr><tr><td>L\u1ee3i Nhu\u1eadn Tr\u00ean V\u1ed1n Ch\u1ee7 S\u1edf H\u1eefu<\/td><td>&gt;12% \u1ed5n \u0111\u1ecbnh<\/td><td>\u0110ang ti\u1ebfn g\u1ea7n \u0111\u1ebfn d\u01b0\u01a1ng (5.2% trong Q1 2023)<\/td><td>2025-2026<\/td><\/tr><tr><td>V\u1ed1n Quy \u0110\u1ecbnh<\/td><td>CET1 &gt;11% v\u1edbi \u0111\u1ec7m<\/td><td>\u0110\u00e1p \u1ee9ng y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u<\/td><td>2024-2025<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Nh\u1eefng ch\u1ec9 s\u1ed1 n\u00e0y cho th\u1ea5y SoFi c\u00f2n v\u00e0i n\u0103m n\u1eefa m\u1edbi c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u1ed5 t\u1ee9c, v\u1edbi vi\u1ec7c tr\u1ea3 l\u1ea1i v\u1ed1n ban \u0111\u1ea7u c\u00f3 kh\u1ea3 n\u0103ng th\u00f4ng qua mua l\u1ea1i c\u1ed5 phi\u1ebfu h\u01a1n l\u00e0 c\u1ed5 t\u1ee9c. C\u00e1c bi\u1ebfn s\u1ed1 quan tr\u1ecdng quy\u1ebft \u0111\u1ecbnh d\u00f2ng th\u1eddi gian n\u00e0y bao g\u1ed3m:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kinh T\u1ebf Th\u00e0nh Vi\u00ean:&nbsp;T\u0103ng s\u1ed1 s\u1ea3n ph\u1ea9m m\u1ed7i th\u00e0nh vi\u00ean t\u1eeb 1.5 hi\u1ec7n t\u1ea1i l\u00ean 3.0+ s\u1ebd c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 l\u1ee3i nhu\u1eadn th\u00f4ng qua gi\u1ea3m chi ph\u00ed thu h\u00fat<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u0103ng Tr\u01b0\u1edfng Ti\u1ec1n G\u1eedi:&nbsp;M\u1edf r\u1ed9ng t\u1eeb $7.2B (Q1 2023) l\u00ean $15B+ s\u1ebd cung c\u1ea5p ngu\u1ed3n t\u00e0i tr\u1ee3 \u1ed5n \u0111\u1ecbnh, chi ph\u00ed th\u1ea5p c\u1ea3i thi\u1ec7n bi\u00ean l\u1ee3i nhu\u1eadn cho vay<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Quy M\u00f4 N\u1ec1n T\u1ea3ng C\u00f4ng Ngh\u1ec7:&nbsp;T\u0103ng t\u1eeb 130M t\u00e0i kho\u1ea3n l\u00ean 200M+ s\u1ebd t\u1eadn d\u1ee5ng chi ph\u00ed c\u1ed1 \u0111\u1ecbnh tr\u00ean c\u01a1 s\u1edf doanh thu l\u1edbn h\u01a1n<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y ch\u1ec9 ra r\u1eb1ng m\u1eb7c d\u00f9 c\u00e2u h\u1ecfi c\u1ed5 phi\u1ebfu sofi c\u00f3 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00f4ng hi\u1ec7n t\u1ea1i nh\u1eadn \u0111\u01b0\u1ee3c c\u00e2u tr\u1ea3 l\u1eddi ti\u00eau c\u1ef1c, qu\u1ef9 \u0111\u1ea1o c\u1ee7a c\u00f4ng ty ch\u1ee9a \u0111\u1ef1ng c\u00e1c con \u0111\u01b0\u1eddng r\u00f5 r\u00e0ng \u0111\u1ec3 xem x\u00e9t c\u1ed5 t\u1ee9c ti\u1ec1m n\u0103ng trong kho\u1ea3ng th\u1eddi gian 3-5 n\u0103m.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Ph\u00e2n T\u00edch C\u1ed5 T\u1ee9c So S\u00e1nh: SoFi vs. Ng\u00e0nh T\u00e0i Ch\u00ednh<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ec3 \u0111\u1eb7t SoFi v\u00e0o b\u1ed1i c\u1ea3nh kh\u00f4ng c\u00f3 c\u1ed5 t\u1ee9c, vi\u1ec7c so s\u00e1nh tr\u1ef1c ti\u1ebfp v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u00e3 th\u00e0nh l\u1eadp ti\u1ebft l\u1ed9 s\u1ef1 kh\u00e1c bi\u1ec7t c\u01a1 b\u1ea3n trong m\u00f4 h\u00ecnh kinh doanh v\u00e0 gi\u00e1 tr\u1ecb \u0111\u1ec1 xu\u1ea5t cho nh\u00e0 \u0111\u1ea7u t\u01b0:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>C\u00f4ng Ty<\/th><th>L\u1ee3i Su\u1ea5t C\u1ed5 T\u1ee9c<\/th><th>T\u0103ng Tr\u01b0\u1edfng Doanh Thu (YoY)<\/th><th>T\u1ef7 L\u1ec7 Gi\u00e1\/B\u00e1n<\/th><\/tr><\/thead><tbody><tr><td>SoFi Technologies<\/td><td>Kh\u00f4ng c\u00f3 c\u1ed5 t\u1ee9c<\/td><td>43%<\/td><td>3.8x<\/td><\/tr><tr><td>JPMorgan Chase<\/td><td>2.5%<\/td><td>5%<\/td><td>2.9x<\/td><\/tr><tr><td>Visa<\/td><td>0.8%<\/td><td>11%<\/td><td>15.2x<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>So s\u00e1nh n\u00e0y l\u00e0m n\u1ed5i b\u1eadt s\u1ef1 \u0111\u00e1nh \u0111\u1ed5i c\u01a1 b\u1ea3n gi\u1eefa t\u0103ng tr\u01b0\u1edfng v\u00e0 thu nh\u1eadp. SoFi cung c\u1ea5p s\u1ef1 m\u1edf r\u1ed9ng doanh thu v\u01b0\u1ee3t tr\u1ed9i nh\u01b0ng kh\u00f4ng c\u00f3 l\u1ee3i su\u1ea5t hi\u1ec7n t\u1ea1i, trong khi c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng cung c\u1ea5p thu nh\u1eadp \u0111\u00e1ng tin c\u1eady v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 khi\u00eam t\u1ed1n. M\u00f4 h\u00ecnh c\u1ee7a Visa\u2014duy tr\u00ec l\u1ee3i su\u1ea5t th\u1ea5p trong khi mang l\u1ea1i t\u0103ng tr\u01b0\u1edfng tr\u00ean trung b\u00ecnh\u2014c\u00f3 th\u1ec3 d\u1ef1 b\u00e1o c\u00e1ch ti\u1ebfp c\u1eadn ph\u00e2n b\u1ed5 v\u1ed1n trong t\u01b0\u01a1ng lai c\u1ee7a SoFi.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0 Cho Danh M\u1ee5c T\u1eadp Trung V\u00e0o Thu Nh\u1eadp<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm c\u1ea3 s\u1ef1 ti\u1ebfp x\u00fac fintech v\u00e0 thu nh\u1eadp, s\u1ef1 v\u1eafng m\u1eb7t c\u1ee7a c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu sofi \u0111\u00f2i h\u1ecfi s\u1ef1 x\u00e2y d\u1ef1ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ea9n th\u1eadn. Thay v\u00ec ch\u1ec9 \u0111\u01a1n gi\u1ea3n lo\u1ea1i tr\u1eeb c\u00e1c c\u00f4ng ty kh\u00f4ng tr\u1ea3 c\u1ed5 t\u1ee9c, h\u00e3y xem x\u00e9t c\u00e1c c\u00e1ch ti\u1ebfp c\u1eadn th\u1ef1c t\u1ebf sau:<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Chi\u1ebfn L\u01b0\u1ee3c Barbell Ng\u00e0nh T\u00e0i Ch\u00ednh<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y t\u1ea1o ra s\u1ef1 ti\u1ebfp x\u00fac c\u00e2n b\u1eb1ng b\u1eb1ng c\u00e1ch k\u1ebft h\u1ee3p c\u00e1c v\u1ecb tr\u00ed SoFi t\u0103ng tr\u01b0\u1edfng cao v\u1edbi c\u00e1c t\u00e0i ch\u00ednh tr\u1ea3 c\u1ed5 t\u1ee9c \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp. C\u00e1c chi\u1ebfn l\u01b0\u1ee3c gia danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a Pocket Option \u0111\u00e3 th\u1ef1c hi\u1ec7n m\u00f4 h\u00ecnh n\u00e0y th\u00e0nh c\u00f4ng cho c\u00e1c kh\u00e1ch h\u00e0ng t\u00ecm ki\u1ebfm s\u1ef1 ti\u1ebfp x\u00fac c\u00f4ng ngh\u1ec7 m\u00e0 kh\u00f4ng hy sinh thu nh\u1eadp:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Th\u00e0nh Ph\u1ea7n Danh M\u1ee5c<\/th><th>Ph\u00e2n B\u1ed5<\/th><th>Ch\u1ee9c N\u0103ng<\/th><th>T\u00e0i S\u1ea3n V\u00ed D\u1ee5<\/th><\/tr><\/thead><tbody><tr><td>T\u0103ng Tr\u01b0\u1edfng Fintech<\/td><td>25-30%<\/td><td>T\u0103ng gi\u00e1 v\u1ed1n<\/td><td>SoFi, Block, PayPal<\/td><\/tr><tr><td>Ng\u00e2n H\u00e0ng Truy\u1ec1n Th\u1ed1ng<\/td><td>40-45%<\/td><td>T\u1ea1o thu nh\u1eadp<\/td><td>JPMorgan, Bank of America<\/td><\/tr><tr><td>REITs T\u00e0i Ch\u00ednh<\/td><td>25-30%<\/td><td>L\u1ee3i su\u1ea5t hi\u1ec7n t\u1ea1i cao<\/td><td>Mortgage REITs, c\u00e1c nh\u00e0 cho vay chuy\u00ean bi\u1ec7t<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c chi\u1ebfn thu\u1eadt th\u1ef1c hi\u1ec7n b\u1ed5 sung bao g\u1ed3m:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ea1o Thu Nh\u1eadp T\u1ed5ng H\u1ee3p:&nbsp;Vi\u1ebft quy\u1ec1n ch\u1ecdn mua c\u00f3 b\u1ea3o hi\u1ec3m ch\u1ed1ng l\u1ea1i c\u00e1c v\u1ecb tr\u00ed SoFi (khi bi\u1ebfn \u0111\u1ed9ng v\u01b0\u1ee3t qu\u00e1 60%) \u0111\u1ec3 t\u1ea1o ra l\u1ee3i su\u1ea5t h\u00e0ng n\u0103m 8-15%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u00e2n B\u1eb1ng Chi\u1ebfn L\u01b0\u1ee3c:&nbsp;Thu ho\u1ea1ch l\u1ee3i nhu\u1eadn SoFi sau khi gi\u00e1 t\u0103ng h\u01a1n 20% \u0111\u1ec3 t\u00e1i \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh tr\u1ea3 c\u1ed5 t\u1ee9c<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ph\u00e2n B\u1ed5 D\u1ef1a Tr\u00ean Th\u1eddi Gian:&nbsp;Ph\u00e2n b\u1ed5 SoFi v\u00e0o c\u00e1c ph\u00e2n \u0111o\u1ea1n danh m\u1ee5c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n trong khi s\u1eed d\u1ee5ng c\u1ed5 phi\u1ebfu tr\u1ea3 c\u1ed5 t\u1ee9c cho c\u00e1c y\u00eau c\u1ea7u thu nh\u1eadp ng\u1eafn h\u1ea1n<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Nh\u1eefng c\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y ch\u1ee9ng minh r\u1eb1ng c\u00e2u h\u1ecfi c\u1ed5 phi\u1ebfu sofi c\u00f3 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00f4ng kh\u00f4ng c\u1ea7n ph\u1ea3i quy\u1ebft \u0111\u1ecbnh c\u00e1c quy\u1ebft \u0111\u1ecbnh bao g\u1ed3m danh m\u1ee5c \u0111\u1ea7u t\u01b0. C\u00e1c k\u1ef9 thu\u1eadt ph\u00e2n b\u1ed5 chi\u1ebfn l\u01b0\u1ee3c c\u00f3 th\u1ec3 k\u1ebft h\u1ee3p c\u00e1c t\u00e0i s\u1ea3n t\u0103ng tr\u01b0\u1edfng kh\u00f4ng c\u1ed5 t\u1ee9c trong khi duy tr\u00ec c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m thu nh\u1eadp c\u1ea7n thi\u1ebft.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Tri\u1ec3n V\u1ecdng T\u01b0\u01a1ng Lai: C\u00e1c Con \u0110\u01b0\u1eddng Ti\u1ec1m N\u0103ng \u0110\u1ec3 B\u1eaft \u0110\u1ea7u C\u1ed5 T\u1ee9c<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Xem x\u00e9t c\u00e1c k\u1ecbch b\u1ea3n c\u00f3 kh\u1ea3 n\u0103ng nh\u1ea5t cho vi\u1ec7c th\u1ef1c hi\u1ec7n c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu sofi trong t\u01b0\u01a1ng lai cung c\u1ea5p cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 t\u1ea7m nh\u00ecn xa c\u00e1c khung k\u1ebf ho\u1ea1ch c\u1ee5 th\u1ec3:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>K\u1ecbch B\u1ea3n<\/th><th>Ch\u1ec9 S\u1ed1 Ch\u00ednh<\/th><th>D\u00f2ng Th\u1eddi Gian \u01af\u1edbc T\u00ednh<\/th><\/tr><\/thead><tbody><tr><td>Ti\u1ebfn H\u00f3a D\u1eabn D\u1eaft B\u1edfi Ng\u00e2n H\u00e0ng<\/td><td>Ti\u1ec1n g\u1eedi v\u01b0\u1ee3t qu\u00e1 $15B, danh m\u1ee5c cho vay \u1ed5n \u0111\u1ecbnh tr\u00ean $25B<\/td><td>2025-2026<\/td><\/tr><tr><td>Quy M\u00f4 N\u1ec1n T\u1ea3ng C\u00f4ng Ngh\u1ec7<\/td><td>Ph\u00e2n kh\u00fac c\u00f4ng ngh\u1ec7 \u0111\u00f3ng g\u00f3p &gt;35% doanh thu v\u1edbi bi\u00ean l\u1ee3i nhu\u1eadn 30%+<\/td><td>2026-2027<\/td><\/tr><tr><td>Thay \u0110\u1ed5i M\u00f4i Tr\u01b0\u1eddng Th\u1ecb Tr\u01b0\u1eddng<\/td><td>\u0110\u1ecbnh gi\u00e1 fintech n\u00e9n l\u1ea1i, s\u1edf th\u00edch nh\u00e0 \u0111\u1ea7u t\u01b0 \u01b0u ti\u00ean thu nh\u1eadp<\/td><td>2024-2025<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>K\u1ecbch b\u1ea3n ti\u1ebfn h\u00f3a d\u1eabn d\u1eaft b\u1edfi ng\u00e2n h\u00e0ng \u0111\u1ea1i di\u1ec7n cho con \u0111\u01b0\u1eddng c\u00f3 kh\u1ea3 n\u0103ng nh\u1ea5t, \u0111\u1eb7c bi\u1ec7t khi c\u01a1 s\u1edf ti\u1ec1n g\u1eedi c\u1ee7a SoFi ($7.2B trong Q1 2023) ti\u1ebfp t\u1ee5c t\u0103ng tr\u01b0\u1edfng h\u01a1n 40% h\u00e0ng qu\u00fd. Ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng cung c\u1ea5p khung ph\u00e1p l\u00fd v\u00e0 ngu\u1ed3n t\u00e0i tr\u1ee3 \u1ed5n \u0111\u1ecbnh c\u1ea7n thi\u1ebft cho l\u1ee3i nhu\u1eadn c\u1ed5 \u0111\u00f4ng \u1ed5n \u0111\u1ecbnh.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option l\u01b0u \u00fd r\u1eb1ng s\u1edf th\u00edch nh\u00e0 \u0111\u1ea7u t\u01b0 thay \u0111\u1ed5i \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c quy\u1ebft \u0111\u1ecbnh ph\u00e2n b\u1ed5 v\u1ed1n tr\u00ean to\u00e0n fintech. S\u1ef1 nh\u1ea5n m\u1ea1nh g\u1ea7n \u0111\u00e2y c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00e0o c\u00e1c ch\u1ec9 s\u1ed1 l\u1ee3i nhu\u1eadn h\u01a1n l\u00e0 t\u0103ng tr\u01b0\u1edfng thu\u1ea7n t\u00fay \u0111\u00e3 \u0111\u1ea9y nhanh s\u1ef1 t\u1eadp trung c\u1ee7a SoFi v\u00e0o EBITDA d\u01b0\u01a1ng v\u00e0 l\u1ee3i nhu\u1eadn GAAP, c\u00f3 th\u1ec3 r\u00fat ng\u1eafn d\u00f2ng th\u1eddi gian \u0111\u1ec3 xem x\u00e9t l\u1ee3i nhu\u1eadn c\u1ed5 \u0111\u00f4ng.<\/p><\/div>[cta_button text=\"\"]<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>K\u1ebft Lu\u1eadn: Quan \u0110i\u1ec3m Chi\u1ebfn L\u01b0\u1ee3c V\u1ec1 Ti\u1ec1m N\u0103ng \u0110\u1ea7u T\u01b0 C\u1ee7a SoFi<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Cu\u1ed9c th\u1ea3o lu\u1eadn v\u1ec1 c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu sofi m\u1edf r\u1ed9ng ra ngo\u00e0i t\u00ecnh tr\u1ea1ng thu nh\u1eadp hi\u1ec7n t\u1ea1i \u0111\u1ec3 bao g\u1ed3m c\u00e1c c\u00e2u h\u1ecfi r\u1ed9ng h\u01a1n v\u1ec1 c\u00e1ch ti\u1ebfp c\u1eadn \u0111\u1ea7u t\u01b0 t\u1ed1i \u01b0u cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ed9t ph\u00e1. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0, m\u1ed9t s\u1ed1 k\u1ebft lu\u1eadn c\u1ee5 th\u1ec3 xu\u1ea5t hi\u1ec7n:<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Th\u1ee9 nh\u1ea5t, ch\u00ednh s\u00e1ch kh\u00f4ng c\u1ed5 t\u1ee9c c\u1ee7a SoFi ph\u1ea3n \u00e1nh v\u1ecb tr\u00ed s\u1edbm c\u1ee7a n\u00f3 trong \u0111\u01b0\u1eddng cong ti\u1ebfn h\u00f3a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh\u2014v\u1edbi t\u0103ng tr\u01b0\u1edfng doanh thu 43% v\u00e0 l\u1ee3i nhu\u1eadn \u0111ang n\u1ed5i l\u00ean, vi\u1ec7c gi\u1eef l\u1ea1i v\u1ed1n \u0111\u1ec3 m\u1edf r\u1ed9ng t\u1ea1o ra gi\u00e1 tr\u1ecb d\u00e0i h\u1ea1n l\u1edbn h\u01a1n so v\u1edbi ph\u00e2n ph\u1ed1i s\u1edbm.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Th\u1ee9 hai, m\u1eb7c d\u00f9 c\u00e2u h\u1ecfi c\u1ed5 phi\u1ebfu sofi c\u00f3 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c c\u00e2u tr\u1ea3 l\u1eddi ti\u00eau c\u1ef1c h\u00f4m nay, qu\u1ef9 \u0111\u1ea1o t\u00e0i ch\u00ednh c\u1ee7a c\u00f4ng ty cho th\u1ea5y ti\u1ec1m n\u0103ng xem x\u00e9t tr\u1ea3 l\u1ea1i v\u1ed1n trong v\u00f2ng 3-5 n\u0103m, ban \u0111\u1ea7u th\u00f4ng qua mua l\u1ea1i c\u1ed5 phi\u1ebfu h\u01a1n l\u00e0 c\u1ed5 t\u1ee9c.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Th\u1ee9 ba, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm c\u1ea3 s\u1ef1 ti\u1ebfp x\u00fac fintech v\u00e0 thu nh\u1eadp c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c k\u1ef9 thu\u1eadt danh m\u1ee5c \u0111\u1ea7u t\u01b0 chi\u1ebfn l\u01b0\u1ee3c bao g\u1ed3m c\u00e1c chi\u1ebfn l\u01b0\u1ee3c barbell ng\u00e0nh, vi\u1ebft quy\u1ec1n ch\u1ecdn mua c\u00f3 b\u1ea3o hi\u1ec3m, v\u00e0 c\u00e2n b\u1eb1ng chi\u1ebfn thu\u1eadt \u0111\u1ec3 duy tr\u00ec v\u1ecb tr\u00ed trong c\u00e1c t\u00e0i s\u1ea3n t\u0103ng tr\u01b0\u1edfng cao, kh\u00f4ng c\u1ed5 t\u1ee9c trong khi \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau thu nh\u1eadp c\u1ea7n thi\u1ebft.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Cu\u1ed1i c\u00f9ng, v\u1ecb tr\u00ed \u0111\u1ed9c \u0111\u00e1o c\u1ee7a SoFi gi\u1eefa ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng (v\u1edbi khung ph\u00e1p l\u00fd cho ph\u00e2n ph\u1ed1i) v\u00e0 c\u00e1c n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 (v\u1edbi c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m t\u0103ng tr\u01b0\u1edfng c\u1ee7a h\u1ecd) t\u1ea1o ra ti\u1ec1m n\u0103ng cho m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn tr\u1ea3 l\u1ea1i v\u1ed1n c\u00e2n b\u1eb1ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 Visa v\u00e0 Mastercard khi c\u00f4ng ty tr\u01b0\u1edfng th\u00e0nh.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>B\u1eb1ng c\u00e1ch hi\u1ec3u l\u00fd do chi\u1ebfn l\u01b0\u1ee3c \u0111\u1eb1ng sau c\u00e1ch ti\u1ebfp c\u1eadn ph\u00e2n b\u1ed5 v\u1ed1n hi\u1ec7n t\u1ea1i c\u1ee7a SoFi v\u00e0 theo d\u00f5i c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh ch\u00ednh th\u01b0\u1eddng \u0111i tr\u01b0\u1edbc vi\u1ec7c xem x\u00e9t c\u1ed5 t\u1ee9c, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh th\u00f4ng minh v\u1ec1 vi\u1ec7c k\u1ebft h\u1ee3p nh\u00e0 l\u00e3nh \u0111\u1ea1o fintech n\u00e0y trong c\u00e1c ph\u00e2n b\u1ed5 ng\u00e0nh t\u00e0i ch\u00ednh \u0111a d\u1ea1ng.<\/p><\/div>","body_html_source":{"label":"Body HTML","type":"wysiwyg","formatted_value":"<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>T\u00ecnh Tr\u1ea1ng C\u1ed5 T\u1ee9c Hi\u1ec7n T\u1ea1i c\u1ee7a SoFi: S\u1ef1 Th\u1eadt v\u00e0 B\u1ed1i C\u1ea3nh Chi\u1ebfn L\u01b0\u1ee3c<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 nghi\u00ean c\u1ee9u c\u01a1 h\u1ed9i fintech, m\u1ed9t c\u00e2u h\u1ecfi th\u01b0\u1eddng xu\u1ea5t hi\u1ec7n: c\u1ed5 phi\u1ebfu sofi c\u00f3 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00f4ng? C\u00e2u tr\u1ea3 l\u1eddi tr\u1ef1c ti\u1ebfp l\u00e0 kh\u00f4ng\u2014SoFi Technologies (NASDAQ: SOFI) hi\u1ec7n kh\u00f4ng tr\u1ea3 c\u1ed5 t\u1ee9c cho c\u1ed5 \u0111\u00f4ng. \u0110\u00e2y l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn chi\u1ebfn l\u01b0\u1ee3c c\u00f3 ch\u1ee7 \u0111\u00edch ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t h\u1ea1n ch\u1ebf t\u00e0i ch\u00ednh.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>K\u1ec3 t\u1eeb khi ra m\u1eaft c\u00f4ng ch\u00fang th\u00f4ng qua s\u00e1p nh\u1eadp SPAC v\u00e0o th\u00e1ng 6 n\u0103m 2021, SoFi \u0111\u00e3 \u01b0u ti\u00ean t\u00e1i \u0111\u1ea7u t\u01b0 m\u1ea1nh m\u1ebd v\u00e0o t\u0103ng tr\u01b0\u1edfng kinh doanh. \u0110\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u00e0o n\u0103m 2011 nh\u01b0 m\u1ed9t n\u1ec1n t\u1ea3ng t\u00e1i c\u1ea5p v\u1ed1n cho vay sinh vi\u00ean, c\u00f4ng ty \u0111\u00e3 nhanh ch\u00f3ng m\u1edf r\u1ed9ng th\u00e0nh m\u1ed9t h\u1ec7 sinh th\u00e1i d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n v\u1edbi 7,5 tri\u1ec7u th\u00e0nh vi\u00ean t\u00ednh \u0111\u1ebfn Q1 2023, \u0111\u1ea1i di\u1ec7n cho m\u1ee9c t\u0103ng tr\u01b0\u1edfng 46% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>\u01afu Ti\u00ean Chi\u1ebfn L\u01b0\u1ee3c<\/th>\n<th>T\u00e1c \u0110\u1ed9ng T\u00e0i Ch\u00ednh<\/th>\n<th>L\u00fd Do Chi\u1ebfn L\u01b0\u1ee3c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u0103ng Tr\u01b0\u1edfng Th\u00e0nh Vi\u00ean<\/td>\n<td>Chi ph\u00ed ti\u1ebfp th\u1ecb $313M (2022)<\/td>\n<td>X\u00e2y d\u1ef1ng quy m\u00f4 kinh t\u1ebf tr\u00ean c\u00e1c d\u1ecbch v\u1ee5 cho vay v\u00e0 t\u00e0i ch\u00ednh<\/td>\n<\/tr>\n<tr>\n<td>C\u01a1 S\u1edf H\u1ea1 T\u1ea7ng Ng\u00e2n H\u00e0ng<\/td>\n<td>Th\u00e2u t\u00f3m gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng $750M+<\/td>\n<td>Gi\u1ea3m chi ph\u00ed t\u00e0i tr\u1ee3 v\u00e0 khung ph\u00e1p l\u00fd cho t\u0103ng tr\u01b0\u1edfng t\u01b0\u01a1ng lai<\/td>\n<\/tr>\n<tr>\n<td>N\u1ec1n T\u1ea3ng C\u00f4ng Ngh\u1ec7<\/td>\n<td>Th\u00e2u t\u00f3m Galileo\/Technisys $2.3B<\/td>\n<td>D\u00f2ng doanh thu B2B l\u1ee3i nhu\u1eadn cao b\u1ed5 sung cho kinh doanh ti\u00eau d\u00f9ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1ch ti\u1ebfp c\u1eadn kh\u00f4ng c\u1ed5 t\u1ee9c n\u00e0y ph\u00e2n bi\u1ec7t SoFi v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng nh\u01b0 JPMorgan (l\u1ee3i su\u1ea5t 2.5%) v\u00e0 Bank of America (l\u1ee3i su\u1ea5t 2.7%), nh\u1eefng t\u1ed5 ch\u1ee9c tr\u1ea3 l\u1ea1i v\u1ed1n \u0111\u00e1ng k\u1ec3 cho c\u1ed5 \u0111\u00f4ng. Thay v\u00e0o \u0111\u00f3, m\u00f4 h\u00ecnh c\u1ee7a SoFi gi\u1ed1ng v\u1edbi c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 giai \u0111o\u1ea1n \u0111\u1ea7u \u01b0u ti\u00ean chi\u1ebfm l\u0129nh th\u1ecb ph\u1ea7n h\u01a1n l\u00e0 l\u1ee3i nhu\u1eadn ngay l\u1eadp t\u1ee9c cho c\u1ed5 \u0111\u00f4ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch t\u00e0i ch\u00ednh c\u1ee7a Pocket Option nh\u1ea5n m\u1ea1nh qu\u1ef9 \u0111\u1ea1o t\u00e0i ch\u00ednh \u0111ang c\u1ea3i thi\u1ec7n c\u1ee7a SoFi m\u1eb7c d\u00f9 kh\u00f4ng c\u00f3 c\u1ed5 t\u1ee9c. Q1 2023 mang l\u1ea1i $472 tri\u1ec7u doanh thu (t\u0103ng tr\u01b0\u1edfng 43% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc) v\u00e0 qu\u00fd th\u1ee9 ba li\u00ean ti\u1ebfp c\u00f3 l\u1ee3i nhu\u1eadn GAAP\u2014\u0111\u1ed9ng l\u1ef1c t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 cu\u1ed1i c\u00f9ng h\u1ed7 tr\u1ee3 l\u1ee3i nhu\u1eadn cho c\u1ed5 \u0111\u00f4ng khi doanh nghi\u1ec7p tr\u01b0\u1edfng th\u00e0nh.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>C\u1ed5 Phi\u1ebfu SoFi C\u00f3 Tr\u1ea3 C\u1ed5 T\u1ee9c Kh\u00f4ng: B\u1ed1i C\u1ea3nh v\u00e0 D\u00f2ng Th\u1eddi Gian Chi\u1ebfn L\u01b0\u1ee3c<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ec3 hi\u1ec3u t\u1ea1i sao c\u00e2u tr\u1ea3 l\u1eddi cho c\u00e2u h\u1ecfi c\u1ed5 phi\u1ebfu sofi c\u00f3 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00f4ng l\u00e0 kh\u00f4ng, c\u1ea7n ph\u1ea3i xem x\u00e9t c\u00e1ch c\u00e1c c\u00f4ng ty fintech th\u01b0\u1eddng ph\u00e1t tri\u1ec3n ch\u00ednh s\u00e1ch tr\u1ea3 l\u1ea1i cho c\u1ed5 \u0111\u00f4ng trong su\u1ed1t chu k\u1ef3 ph\u00e1t tri\u1ec3n c\u1ee7a h\u1ecd.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>K\u1ebft qu\u1ea3 t\u00e0i ch\u00ednh Q1 2023 c\u1ee7a SoFi minh h\u1ecda t\u1ea1i sao vi\u1ec7c ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c v\u1eabn c\u00f2n s\u1edbm m\u1eb7c d\u00f9 doanh thu t\u0103ng v\u00e0 l\u1ee3i nhu\u1eadn \u0111ang n\u1ed5i l\u00ean. C\u00f4ng ty b\u00e1o c\u00e1o EBITDA \u0111i\u1ec1u ch\u1ec9nh l\u00e0 $76 tri\u1ec7u (t\u0103ng tr\u01b0\u1edfng 151% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc) nh\u01b0ng v\u1eabn c\u1ea7n c\u1ee7ng c\u1ed1 v\u1ecb th\u1ebf v\u1ed1n v\u00e0 t\u00e0i tr\u1ee3 cho s\u1ef1 m\u1edf r\u1ed9ng ti\u1ebfp t\u1ee5c trong c\u00e1c th\u1ecb tr\u01b0\u1eddng c\u1ea1nh tranh cao.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Giai \u0110o\u1ea1n Ph\u00e1t Tri\u1ec3n<\/th>\n<th>D\u1ea5u Hi\u1ec7u T\u00e0i Ch\u00ednh<\/th>\n<th>C\u00e1ch Ti\u1ebfp C\u1eadn Tr\u1ea3 L\u1ea1i V\u1ed1n Th\u00f4ng Th\u01b0\u1eddng<\/th>\n<th>V\u00ed D\u1ee5<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u0103ng Tr\u01b0\u1edfng S\u1edbm (SoFi hi\u1ec7n t\u1ea1i)<\/td>\n<td>T\u0103ng tr\u01b0\u1edfng doanh thu &gt;30%, l\u1ee3i nhu\u1eadn \u0111ang n\u1ed5i l\u00ean<\/td>\n<td>Kh\u00f4ng c\u00f3 c\u1ed5 t\u1ee9c ho\u1eb7c mua l\u1ea1i<\/td>\n<td>SoFi, Upstart, Affirm<\/td>\n<\/tr>\n<tr>\n<td>T\u0103ng Tr\u01b0\u1edfng Trung B\u00ecnh<\/td>\n<td>T\u0103ng tr\u01b0\u1edfng doanh thu 15-30%, l\u1ee3i nhu\u1eadn \u1ed5n \u0111\u1ecbnh<\/td>\n<td>B\u1eaft \u0111\u1ea7u mua l\u1ea1i c\u1ed5 phi\u1ebfu<\/td>\n<td>PayPal, Block (Square)<\/td>\n<\/tr>\n<tr>\n<td>T\u0103ng Tr\u01b0\u1edfng Tr\u01b0\u1edfng Th\u00e0nh<\/td>\n<td>T\u0103ng tr\u01b0\u1edfng doanh thu 5-15%, d\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh<\/td>\n<td>B\u1eaft \u0111\u1ea7u c\u1ed5 t\u1ee9c l\u1ee3i su\u1ea5t th\u1ea5p<\/td>\n<td>Visa (0.8%), Mastercard (0.7%)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>M\u1eb7c d\u00f9 c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu sofi v\u1eabn v\u1eafng m\u1eb7t, c\u00f4ng ty s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p t\u1ea1o gi\u00e1 tr\u1ecb c\u1ed5 \u0111\u00f4ng thay th\u1ebf t\u1eadp trung v\u00e0o t\u0103ng tr\u01b0\u1edfng kinh doanh c\u01a1 b\u1ea3n:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>M\u1edf R\u1ed9ng S\u1ea3n Ph\u1ea9m:&nbsp;T\u0103ng t\u1eeb 1 s\u1ea3n ph\u1ea9m v\u00e0o n\u0103m 2011 l\u00ean h\u01a1n 20 s\u1ea3n ph\u1ea9m v\u00e0o n\u0103m 2023, t\u0103ng gi\u00e1 tr\u1ecb tr\u1ecdn \u0111\u1eddi m\u1ed7i th\u00e0nh vi\u00ean t\u1eeb $1,200 l\u00ean h\u01a1n $4,800<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Th\u00e2u T\u00f3m Chi\u1ebfn L\u01b0\u1ee3c:&nbsp;Galileo (2020) v\u00e0 Technisys (2022) mang l\u1ea1i doanh thu n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 l\u1ee3i nhu\u1eadn cao ($87M trong Q1 2023, t\u0103ng tr\u01b0\u1edfng 48%)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Hi\u1ec7u Qu\u1ea3 Ng\u00e2n H\u00e0ng:&nbsp;Gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng qu\u1ed1c gia \u0111\u01b0\u1ee3c c\u1ea5p v\u00e0o th\u00e1ng 1 n\u0103m 2022 gi\u1ea3m chi ph\u00ed t\u00e0i tr\u1ee3 h\u01a1n 150 \u0111i\u1ec3m c\u01a1 b\u1ea3n, c\u1ea3i thi\u1ec7n bi\u00ean l\u1ee3i nhu\u1eadn cho vay<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>N\u1ec1n T\u1ea3ng T\u00edch H\u1ee3p D\u1ecdc:&nbsp;Ki\u1ec3m so\u00e1t c\u00f4ng ngh\u1ec7 t\u1eeb giao di\u1ec7n kh\u00e1ch h\u00e0ng \u0111\u1ebfn x\u1eed l\u00fd c\u1ed1t l\u00f5i gi\u1ea3m chi ph\u00ed v\u00e0 t\u0103ng t\u1ed1c \u0111\u1ed5i m\u1edbi<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ea7u t\u01b0 c\u1ee7a Pocket Option d\u1ef1 \u0111o\u00e1n r\u1eb1ng c\u00e1c c\u01a1 ch\u1ebf tr\u1ea3 l\u1ea1i thay th\u1ebf nh\u01b0 mua l\u1ea1i c\u1ed5 phi\u1ebfu c\u00f3 kh\u1ea3 n\u0103ng s\u1ebd \u0111i tr\u01b0\u1edbc vi\u1ec7c b\u1eaft \u0111\u1ea7u c\u1ed5 t\u1ee9c, ph\u00f9 h\u1ee3p v\u1edbi s\u1ef1 ti\u1ebfn h\u00f3a tr\u1ea3 l\u1ea1i v\u1ed1n \u0111\u01b0\u1ee3c quan s\u00e1t th\u1ea5y \u1edf c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh kh\u00e1c.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>\u0110i\u1ec1u Ki\u1ec7n T\u00e0i Ch\u00ednh Cho Vi\u1ec7c Th\u1ef1c Hi\u1ec7n C\u1ed5 T\u1ee9c Trong T\u01b0\u01a1ng Lai<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 theo d\u00f5i ti\u1ec1m n\u0103ng c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu sofi, c\u00e1c c\u1ed9t m\u1ed1c t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3 th\u01b0\u1eddng \u0111i tr\u01b0\u1edbc vi\u1ec7c b\u1eaft \u0111\u1ea7u c\u1ed5 t\u1ee9c trong l\u0129nh v\u1ef1c fintech. Nh\u1eefng ch\u1ec9 s\u1ed1 kh\u00e1ch quan n\u00e0y cung c\u1ea5p c\u00e1c d\u1ea5u hi\u1ec7u c\u1ee5 th\u1ec3 cho th\u1eddi \u0111i\u1ec3m SoFi c\u00f3 th\u1ec3 chuy\u1ec3n sang c\u00e1c ch\u00ednh s\u00e1ch tr\u1ea3 l\u1ea1i cho c\u1ed5 \u0111\u00f4ng:<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 S\u1ed1 T\u00e0i Ch\u00ednh<\/th>\n<th>Ng\u01b0\u1ee1ng C\u1ed5 T\u1ee9c<\/th>\n<th>T\u00ecnh Tr\u1ea1ng Hi\u1ec7n T\u1ea1i c\u1ee7a SoFi<\/th>\n<th>D\u00f2ng Th\u1eddi Gian \u01af\u1edbc T\u00ednh<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>L\u1ee3i Nhu\u1eadn GAAP<\/td>\n<td>8+ qu\u00fd li\u00ean ti\u1ebfp c\u00f3 l\u1ee3i nhu\u1eadn<\/td>\n<td>3 qu\u00fd li\u00ean ti\u1ebfp (Q3 2022-Q1 2023)<\/td>\n<td>2024-2025<\/td>\n<\/tr>\n<tr>\n<td>L\u1ee3i Nhu\u1eadn Tr\u00ean V\u1ed1n Ch\u1ee7 S\u1edf H\u1eefu<\/td>\n<td>&gt;12% \u1ed5n \u0111\u1ecbnh<\/td>\n<td>\u0110ang ti\u1ebfn g\u1ea7n \u0111\u1ebfn d\u01b0\u01a1ng (5.2% trong Q1 2023)<\/td>\n<td>2025-2026<\/td>\n<\/tr>\n<tr>\n<td>V\u1ed1n Quy \u0110\u1ecbnh<\/td>\n<td>CET1 &gt;11% v\u1edbi \u0111\u1ec7m<\/td>\n<td>\u0110\u00e1p \u1ee9ng y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u<\/td>\n<td>2024-2025<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Nh\u1eefng ch\u1ec9 s\u1ed1 n\u00e0y cho th\u1ea5y SoFi c\u00f2n v\u00e0i n\u0103m n\u1eefa m\u1edbi c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u1ed5 t\u1ee9c, v\u1edbi vi\u1ec7c tr\u1ea3 l\u1ea1i v\u1ed1n ban \u0111\u1ea7u c\u00f3 kh\u1ea3 n\u0103ng th\u00f4ng qua mua l\u1ea1i c\u1ed5 phi\u1ebfu h\u01a1n l\u00e0 c\u1ed5 t\u1ee9c. C\u00e1c bi\u1ebfn s\u1ed1 quan tr\u1ecdng quy\u1ebft \u0111\u1ecbnh d\u00f2ng th\u1eddi gian n\u00e0y bao g\u1ed3m:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kinh T\u1ebf Th\u00e0nh Vi\u00ean:&nbsp;T\u0103ng s\u1ed1 s\u1ea3n ph\u1ea9m m\u1ed7i th\u00e0nh vi\u00ean t\u1eeb 1.5 hi\u1ec7n t\u1ea1i l\u00ean 3.0+ s\u1ebd c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 l\u1ee3i nhu\u1eadn th\u00f4ng qua gi\u1ea3m chi ph\u00ed thu h\u00fat<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u0103ng Tr\u01b0\u1edfng Ti\u1ec1n G\u1eedi:&nbsp;M\u1edf r\u1ed9ng t\u1eeb $7.2B (Q1 2023) l\u00ean $15B+ s\u1ebd cung c\u1ea5p ngu\u1ed3n t\u00e0i tr\u1ee3 \u1ed5n \u0111\u1ecbnh, chi ph\u00ed th\u1ea5p c\u1ea3i thi\u1ec7n bi\u00ean l\u1ee3i nhu\u1eadn cho vay<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Quy M\u00f4 N\u1ec1n T\u1ea3ng C\u00f4ng Ngh\u1ec7:&nbsp;T\u0103ng t\u1eeb 130M t\u00e0i kho\u1ea3n l\u00ean 200M+ s\u1ebd t\u1eadn d\u1ee5ng chi ph\u00ed c\u1ed1 \u0111\u1ecbnh tr\u00ean c\u01a1 s\u1edf doanh thu l\u1edbn h\u01a1n<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y ch\u1ec9 ra r\u1eb1ng m\u1eb7c d\u00f9 c\u00e2u h\u1ecfi c\u1ed5 phi\u1ebfu sofi c\u00f3 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00f4ng hi\u1ec7n t\u1ea1i nh\u1eadn \u0111\u01b0\u1ee3c c\u00e2u tr\u1ea3 l\u1eddi ti\u00eau c\u1ef1c, qu\u1ef9 \u0111\u1ea1o c\u1ee7a c\u00f4ng ty ch\u1ee9a \u0111\u1ef1ng c\u00e1c con \u0111\u01b0\u1eddng r\u00f5 r\u00e0ng \u0111\u1ec3 xem x\u00e9t c\u1ed5 t\u1ee9c ti\u1ec1m n\u0103ng trong kho\u1ea3ng th\u1eddi gian 3-5 n\u0103m.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Ph\u00e2n T\u00edch C\u1ed5 T\u1ee9c So S\u00e1nh: SoFi vs. Ng\u00e0nh T\u00e0i Ch\u00ednh<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ec3 \u0111\u1eb7t SoFi v\u00e0o b\u1ed1i c\u1ea3nh kh\u00f4ng c\u00f3 c\u1ed5 t\u1ee9c, vi\u1ec7c so s\u00e1nh tr\u1ef1c ti\u1ebfp v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u00e3 th\u00e0nh l\u1eadp ti\u1ebft l\u1ed9 s\u1ef1 kh\u00e1c bi\u1ec7t c\u01a1 b\u1ea3n trong m\u00f4 h\u00ecnh kinh doanh v\u00e0 gi\u00e1 tr\u1ecb \u0111\u1ec1 xu\u1ea5t cho nh\u00e0 \u0111\u1ea7u t\u01b0:<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>C\u00f4ng Ty<\/th>\n<th>L\u1ee3i Su\u1ea5t C\u1ed5 T\u1ee9c<\/th>\n<th>T\u0103ng Tr\u01b0\u1edfng Doanh Thu (YoY)<\/th>\n<th>T\u1ef7 L\u1ec7 Gi\u00e1\/B\u00e1n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>SoFi Technologies<\/td>\n<td>Kh\u00f4ng c\u00f3 c\u1ed5 t\u1ee9c<\/td>\n<td>43%<\/td>\n<td>3.8x<\/td>\n<\/tr>\n<tr>\n<td>JPMorgan Chase<\/td>\n<td>2.5%<\/td>\n<td>5%<\/td>\n<td>2.9x<\/td>\n<\/tr>\n<tr>\n<td>Visa<\/td>\n<td>0.8%<\/td>\n<td>11%<\/td>\n<td>15.2x<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>So s\u00e1nh n\u00e0y l\u00e0m n\u1ed5i b\u1eadt s\u1ef1 \u0111\u00e1nh \u0111\u1ed5i c\u01a1 b\u1ea3n gi\u1eefa t\u0103ng tr\u01b0\u1edfng v\u00e0 thu nh\u1eadp. SoFi cung c\u1ea5p s\u1ef1 m\u1edf r\u1ed9ng doanh thu v\u01b0\u1ee3t tr\u1ed9i nh\u01b0ng kh\u00f4ng c\u00f3 l\u1ee3i su\u1ea5t hi\u1ec7n t\u1ea1i, trong khi c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng cung c\u1ea5p thu nh\u1eadp \u0111\u00e1ng tin c\u1eady v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 khi\u00eam t\u1ed1n. M\u00f4 h\u00ecnh c\u1ee7a Visa\u2014duy tr\u00ec l\u1ee3i su\u1ea5t th\u1ea5p trong khi mang l\u1ea1i t\u0103ng tr\u01b0\u1edfng tr\u00ean trung b\u00ecnh\u2014c\u00f3 th\u1ec3 d\u1ef1 b\u00e1o c\u00e1ch ti\u1ebfp c\u1eadn ph\u00e2n b\u1ed5 v\u1ed1n trong t\u01b0\u01a1ng lai c\u1ee7a SoFi.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0 Cho Danh M\u1ee5c T\u1eadp Trung V\u00e0o Thu Nh\u1eadp<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm c\u1ea3 s\u1ef1 ti\u1ebfp x\u00fac fintech v\u00e0 thu nh\u1eadp, s\u1ef1 v\u1eafng m\u1eb7t c\u1ee7a c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu sofi \u0111\u00f2i h\u1ecfi s\u1ef1 x\u00e2y d\u1ef1ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ea9n th\u1eadn. Thay v\u00ec ch\u1ec9 \u0111\u01a1n gi\u1ea3n lo\u1ea1i tr\u1eeb c\u00e1c c\u00f4ng ty kh\u00f4ng tr\u1ea3 c\u1ed5 t\u1ee9c, h\u00e3y xem x\u00e9t c\u00e1c c\u00e1ch ti\u1ebfp c\u1eadn th\u1ef1c t\u1ebf sau:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Chi\u1ebfn L\u01b0\u1ee3c Barbell Ng\u00e0nh T\u00e0i Ch\u00ednh<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y t\u1ea1o ra s\u1ef1 ti\u1ebfp x\u00fac c\u00e2n b\u1eb1ng b\u1eb1ng c\u00e1ch k\u1ebft h\u1ee3p c\u00e1c v\u1ecb tr\u00ed SoFi t\u0103ng tr\u01b0\u1edfng cao v\u1edbi c\u00e1c t\u00e0i ch\u00ednh tr\u1ea3 c\u1ed5 t\u1ee9c \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp. C\u00e1c chi\u1ebfn l\u01b0\u1ee3c gia danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a Pocket Option \u0111\u00e3 th\u1ef1c hi\u1ec7n m\u00f4 h\u00ecnh n\u00e0y th\u00e0nh c\u00f4ng cho c\u00e1c kh\u00e1ch h\u00e0ng t\u00ecm ki\u1ebfm s\u1ef1 ti\u1ebfp x\u00fac c\u00f4ng ngh\u1ec7 m\u00e0 kh\u00f4ng hy sinh thu nh\u1eadp:<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Th\u00e0nh Ph\u1ea7n Danh M\u1ee5c<\/th>\n<th>Ph\u00e2n B\u1ed5<\/th>\n<th>Ch\u1ee9c N\u0103ng<\/th>\n<th>T\u00e0i S\u1ea3n V\u00ed D\u1ee5<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u0103ng Tr\u01b0\u1edfng Fintech<\/td>\n<td>25-30%<\/td>\n<td>T\u0103ng gi\u00e1 v\u1ed1n<\/td>\n<td>SoFi, Block, PayPal<\/td>\n<\/tr>\n<tr>\n<td>Ng\u00e2n H\u00e0ng Truy\u1ec1n Th\u1ed1ng<\/td>\n<td>40-45%<\/td>\n<td>T\u1ea1o thu nh\u1eadp<\/td>\n<td>JPMorgan, Bank of America<\/td>\n<\/tr>\n<tr>\n<td>REITs T\u00e0i Ch\u00ednh<\/td>\n<td>25-30%<\/td>\n<td>L\u1ee3i su\u1ea5t hi\u1ec7n t\u1ea1i cao<\/td>\n<td>Mortgage REITs, c\u00e1c nh\u00e0 cho vay chuy\u00ean bi\u1ec7t<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c chi\u1ebfn thu\u1eadt th\u1ef1c hi\u1ec7n b\u1ed5 sung bao g\u1ed3m:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ea1o Thu Nh\u1eadp T\u1ed5ng H\u1ee3p:&nbsp;Vi\u1ebft quy\u1ec1n ch\u1ecdn mua c\u00f3 b\u1ea3o hi\u1ec3m ch\u1ed1ng l\u1ea1i c\u00e1c v\u1ecb tr\u00ed SoFi (khi bi\u1ebfn \u0111\u1ed9ng v\u01b0\u1ee3t qu\u00e1 60%) \u0111\u1ec3 t\u1ea1o ra l\u1ee3i su\u1ea5t h\u00e0ng n\u0103m 8-15%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u00e2n B\u1eb1ng Chi\u1ebfn L\u01b0\u1ee3c:&nbsp;Thu ho\u1ea1ch l\u1ee3i nhu\u1eadn SoFi sau khi gi\u00e1 t\u0103ng h\u01a1n 20% \u0111\u1ec3 t\u00e1i \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh tr\u1ea3 c\u1ed5 t\u1ee9c<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ph\u00e2n B\u1ed5 D\u1ef1a Tr\u00ean Th\u1eddi Gian:&nbsp;Ph\u00e2n b\u1ed5 SoFi v\u00e0o c\u00e1c ph\u00e2n \u0111o\u1ea1n danh m\u1ee5c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n trong khi s\u1eed d\u1ee5ng c\u1ed5 phi\u1ebfu tr\u1ea3 c\u1ed5 t\u1ee9c cho c\u00e1c y\u00eau c\u1ea7u thu nh\u1eadp ng\u1eafn h\u1ea1n<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Nh\u1eefng c\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y ch\u1ee9ng minh r\u1eb1ng c\u00e2u h\u1ecfi c\u1ed5 phi\u1ebfu sofi c\u00f3 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00f4ng kh\u00f4ng c\u1ea7n ph\u1ea3i quy\u1ebft \u0111\u1ecbnh c\u00e1c quy\u1ebft \u0111\u1ecbnh bao g\u1ed3m danh m\u1ee5c \u0111\u1ea7u t\u01b0. C\u00e1c k\u1ef9 thu\u1eadt ph\u00e2n b\u1ed5 chi\u1ebfn l\u01b0\u1ee3c c\u00f3 th\u1ec3 k\u1ebft h\u1ee3p c\u00e1c t\u00e0i s\u1ea3n t\u0103ng tr\u01b0\u1edfng kh\u00f4ng c\u1ed5 t\u1ee9c trong khi duy tr\u00ec c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m thu nh\u1eadp c\u1ea7n thi\u1ebft.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Tri\u1ec3n V\u1ecdng T\u01b0\u01a1ng Lai: C\u00e1c Con \u0110\u01b0\u1eddng Ti\u1ec1m N\u0103ng \u0110\u1ec3 B\u1eaft \u0110\u1ea7u C\u1ed5 T\u1ee9c<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Xem x\u00e9t c\u00e1c k\u1ecbch b\u1ea3n c\u00f3 kh\u1ea3 n\u0103ng nh\u1ea5t cho vi\u1ec7c th\u1ef1c hi\u1ec7n c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu sofi trong t\u01b0\u01a1ng lai cung c\u1ea5p cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 t\u1ea7m nh\u00ecn xa c\u00e1c khung k\u1ebf ho\u1ea1ch c\u1ee5 th\u1ec3:<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>K\u1ecbch B\u1ea3n<\/th>\n<th>Ch\u1ec9 S\u1ed1 Ch\u00ednh<\/th>\n<th>D\u00f2ng Th\u1eddi Gian \u01af\u1edbc T\u00ednh<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Ti\u1ebfn H\u00f3a D\u1eabn D\u1eaft B\u1edfi Ng\u00e2n H\u00e0ng<\/td>\n<td>Ti\u1ec1n g\u1eedi v\u01b0\u1ee3t qu\u00e1 $15B, danh m\u1ee5c cho vay \u1ed5n \u0111\u1ecbnh tr\u00ean $25B<\/td>\n<td>2025-2026<\/td>\n<\/tr>\n<tr>\n<td>Quy M\u00f4 N\u1ec1n T\u1ea3ng C\u00f4ng Ngh\u1ec7<\/td>\n<td>Ph\u00e2n kh\u00fac c\u00f4ng ngh\u1ec7 \u0111\u00f3ng g\u00f3p &gt;35% doanh thu v\u1edbi bi\u00ean l\u1ee3i nhu\u1eadn 30%+<\/td>\n<td>2026-2027<\/td>\n<\/tr>\n<tr>\n<td>Thay \u0110\u1ed5i M\u00f4i Tr\u01b0\u1eddng Th\u1ecb Tr\u01b0\u1eddng<\/td>\n<td>\u0110\u1ecbnh gi\u00e1 fintech n\u00e9n l\u1ea1i, s\u1edf th\u00edch nh\u00e0 \u0111\u1ea7u t\u01b0 \u01b0u ti\u00ean thu nh\u1eadp<\/td>\n<td>2024-2025<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>K\u1ecbch b\u1ea3n ti\u1ebfn h\u00f3a d\u1eabn d\u1eaft b\u1edfi ng\u00e2n h\u00e0ng \u0111\u1ea1i di\u1ec7n cho con \u0111\u01b0\u1eddng c\u00f3 kh\u1ea3 n\u0103ng nh\u1ea5t, \u0111\u1eb7c bi\u1ec7t khi c\u01a1 s\u1edf ti\u1ec1n g\u1eedi c\u1ee7a SoFi ($7.2B trong Q1 2023) ti\u1ebfp t\u1ee5c t\u0103ng tr\u01b0\u1edfng h\u01a1n 40% h\u00e0ng qu\u00fd. Ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng cung c\u1ea5p khung ph\u00e1p l\u00fd v\u00e0 ngu\u1ed3n t\u00e0i tr\u1ee3 \u1ed5n \u0111\u1ecbnh c\u1ea7n thi\u1ebft cho l\u1ee3i nhu\u1eadn c\u1ed5 \u0111\u00f4ng \u1ed5n \u0111\u1ecbnh.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option l\u01b0u \u00fd r\u1eb1ng s\u1edf th\u00edch nh\u00e0 \u0111\u1ea7u t\u01b0 thay \u0111\u1ed5i \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c quy\u1ebft \u0111\u1ecbnh ph\u00e2n b\u1ed5 v\u1ed1n tr\u00ean to\u00e0n fintech. S\u1ef1 nh\u1ea5n m\u1ea1nh g\u1ea7n \u0111\u00e2y c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00e0o c\u00e1c ch\u1ec9 s\u1ed1 l\u1ee3i nhu\u1eadn h\u01a1n l\u00e0 t\u0103ng tr\u01b0\u1edfng thu\u1ea7n t\u00fay \u0111\u00e3 \u0111\u1ea9y nhanh s\u1ef1 t\u1eadp trung c\u1ee7a SoFi v\u00e0o EBITDA d\u01b0\u01a1ng v\u00e0 l\u1ee3i nhu\u1eadn GAAP, c\u00f3 th\u1ec3 r\u00fat ng\u1eafn d\u00f2ng th\u1eddi gian \u0111\u1ec3 xem x\u00e9t l\u1ee3i nhu\u1eadn c\u1ed5 \u0111\u00f4ng.<\/p>\n<\/div>\n    <div class=\"po-container po-container_width_article\">\n        <a href=\"\/en\/quick-start\/\" class=\"po-line-banner po-article-page__line-banner\">\n            <svg class=\"svg-image po-line-banner__logo\" fill=\"currentColor\" width=\"auto\" height=\"auto\"\n                 aria-hidden=\"true\">\n                <use href=\"#svg-img-logo-white\"><\/use>\n            <\/svg>\n            <span class=\"po-line-banner__btn\"><\/span>\n        <\/a>\n    <\/div>\n    \n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>K\u1ebft Lu\u1eadn: Quan \u0110i\u1ec3m Chi\u1ebfn L\u01b0\u1ee3c V\u1ec1 Ti\u1ec1m N\u0103ng \u0110\u1ea7u T\u01b0 C\u1ee7a SoFi<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Cu\u1ed9c th\u1ea3o lu\u1eadn v\u1ec1 c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu sofi m\u1edf r\u1ed9ng ra ngo\u00e0i t\u00ecnh tr\u1ea1ng thu nh\u1eadp hi\u1ec7n t\u1ea1i \u0111\u1ec3 bao g\u1ed3m c\u00e1c c\u00e2u h\u1ecfi r\u1ed9ng h\u01a1n v\u1ec1 c\u00e1ch ti\u1ebfp c\u1eadn \u0111\u1ea7u t\u01b0 t\u1ed1i \u01b0u cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ed9t ph\u00e1. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0, m\u1ed9t s\u1ed1 k\u1ebft lu\u1eadn c\u1ee5 th\u1ec3 xu\u1ea5t hi\u1ec7n:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Th\u1ee9 nh\u1ea5t, ch\u00ednh s\u00e1ch kh\u00f4ng c\u1ed5 t\u1ee9c c\u1ee7a SoFi ph\u1ea3n \u00e1nh v\u1ecb tr\u00ed s\u1edbm c\u1ee7a n\u00f3 trong \u0111\u01b0\u1eddng cong ti\u1ebfn h\u00f3a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh\u2014v\u1edbi t\u0103ng tr\u01b0\u1edfng doanh thu 43% v\u00e0 l\u1ee3i nhu\u1eadn \u0111ang n\u1ed5i l\u00ean, vi\u1ec7c gi\u1eef l\u1ea1i v\u1ed1n \u0111\u1ec3 m\u1edf r\u1ed9ng t\u1ea1o ra gi\u00e1 tr\u1ecb d\u00e0i h\u1ea1n l\u1edbn h\u01a1n so v\u1edbi ph\u00e2n ph\u1ed1i s\u1edbm.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Th\u1ee9 hai, m\u1eb7c d\u00f9 c\u00e2u h\u1ecfi c\u1ed5 phi\u1ebfu sofi c\u00f3 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c c\u00e2u tr\u1ea3 l\u1eddi ti\u00eau c\u1ef1c h\u00f4m nay, qu\u1ef9 \u0111\u1ea1o t\u00e0i ch\u00ednh c\u1ee7a c\u00f4ng ty cho th\u1ea5y ti\u1ec1m n\u0103ng xem x\u00e9t tr\u1ea3 l\u1ea1i v\u1ed1n trong v\u00f2ng 3-5 n\u0103m, ban \u0111\u1ea7u th\u00f4ng qua mua l\u1ea1i c\u1ed5 phi\u1ebfu h\u01a1n l\u00e0 c\u1ed5 t\u1ee9c.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Th\u1ee9 ba, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm c\u1ea3 s\u1ef1 ti\u1ebfp x\u00fac fintech v\u00e0 thu nh\u1eadp c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c k\u1ef9 thu\u1eadt danh m\u1ee5c \u0111\u1ea7u t\u01b0 chi\u1ebfn l\u01b0\u1ee3c bao g\u1ed3m c\u00e1c chi\u1ebfn l\u01b0\u1ee3c barbell ng\u00e0nh, vi\u1ebft quy\u1ec1n ch\u1ecdn mua c\u00f3 b\u1ea3o hi\u1ec3m, v\u00e0 c\u00e2n b\u1eb1ng chi\u1ebfn thu\u1eadt \u0111\u1ec3 duy tr\u00ec v\u1ecb tr\u00ed trong c\u00e1c t\u00e0i s\u1ea3n t\u0103ng tr\u01b0\u1edfng cao, kh\u00f4ng c\u1ed5 t\u1ee9c trong khi \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau thu nh\u1eadp c\u1ea7n thi\u1ebft.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Cu\u1ed1i c\u00f9ng, v\u1ecb tr\u00ed \u0111\u1ed9c \u0111\u00e1o c\u1ee7a SoFi gi\u1eefa ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng (v\u1edbi khung ph\u00e1p l\u00fd cho ph\u00e2n ph\u1ed1i) v\u00e0 c\u00e1c n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 (v\u1edbi c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m t\u0103ng tr\u01b0\u1edfng c\u1ee7a h\u1ecd) t\u1ea1o ra ti\u1ec1m n\u0103ng cho m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn tr\u1ea3 l\u1ea1i v\u1ed1n c\u00e2n b\u1eb1ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 Visa v\u00e0 Mastercard khi c\u00f4ng ty tr\u01b0\u1edfng th\u00e0nh.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>B\u1eb1ng c\u00e1ch hi\u1ec3u l\u00fd do chi\u1ebfn l\u01b0\u1ee3c \u0111\u1eb1ng sau c\u00e1ch ti\u1ebfp c\u1eadn ph\u00e2n b\u1ed5 v\u1ed1n hi\u1ec7n t\u1ea1i c\u1ee7a SoFi v\u00e0 theo d\u00f5i c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh ch\u00ednh th\u01b0\u1eddng \u0111i tr\u01b0\u1edbc vi\u1ec7c xem x\u00e9t c\u1ed5 t\u1ee9c, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh th\u00f4ng minh v\u1ec1 vi\u1ec7c k\u1ebft h\u1ee3p nh\u00e0 l\u00e3nh \u0111\u1ea1o fintech n\u00e0y trong c\u00e1c ph\u00e2n b\u1ed5 ng\u00e0nh t\u00e0i ch\u00ednh \u0111a d\u1ea1ng.<\/p>\n<\/div>\n"},"faq":[{"question":"Hi\u1ec7n t\u1ea1i c\u1ed5 phi\u1ebfu SoFi c\u00f3 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00f4ng?","answer":"Kh\u00f4ng, SoFi Technologies (NASDAQ: SOFI) hi\u1ec7n kh\u00f4ng tr\u1ea3 c\u1ed5 t\u1ee9c cho c\u1ed5 \u0111\u00f4ng. K\u1ec3 t\u1eeb khi c\u00f4ng khai th\u00f4ng qua s\u00e1p nh\u1eadp SPAC v\u00e0o th\u00e1ng 6 n\u0103m 2021, c\u00f4ng ty \u0111\u00e3 duy tr\u00ec chi\u1ebfn l\u01b0\u1ee3c ph\u00e2n b\u1ed5 v\u1ed1n t\u1eadp trung v\u00e0o t\u0103ng tr\u01b0\u1edfng, \u01b0u ti\u00ean t\u00e1i \u0111\u1ea7u t\u01b0 v\u00e0o m\u1edf r\u1ed9ng kinh doanh, ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 v\u00e0 mua l\u1ea1i chi\u1ebfn l\u01b0\u1ee3c. V\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng doanh thu 43% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc v\u00e0 ba qu\u00fd li\u00ean ti\u1ebfp c\u00f3 l\u1ee3i nhu\u1eadn GAAP (t\u00ednh \u0111\u1ebfn qu\u00fd 1 n\u0103m 2023), SoFi \u0111ang t\u1eadp trung v\u00e0o vi\u1ec7c m\u1edf r\u1ed9ng c\u01a1 s\u1edf th\u00e0nh vi\u00ean (hi\u1ec7n c\u00f3 7,5 tri\u1ec7u th\u00e0nh vi\u00ean), m\u1edf r\u1ed9ng h\u1ec7 sinh th\u00e1i s\u1ea3n ph\u1ea9m v\u00e0 c\u1ee7ng c\u1ed1 ho\u1ea1t \u0111\u1ed9ng n\u1ec1n t\u1ea3ng ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ngh\u1ec7 c\u1ee7a m\u00ecnh thay v\u00ec ph\u00e2n ph\u1ed1i l\u1ee3i nhu\u1eadn cho c\u1ed5 \u0111\u00f4ng."},{"question":"Khi n\u00e0o SoFi c\u00f3 th\u1ec3 xem x\u00e9t b\u1eaft \u0111\u1ea7u tr\u1ea3 c\u1ed5 t\u1ee9c?","answer":"SoFi c\u00f3 th\u1ec3 xem x\u00e9t kh\u1edfi \u0111\u1ed9ng c\u1ed5 t\u1ee9c sau khi \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 c\u1ed9t m\u1ed1c t\u00e0i ch\u00ednh quan tr\u1ecdng, c\u00f3 kh\u1ea3 n\u0103ng trong khung th\u1eddi gian 3-5 n\u0103m d\u1ef1a tr\u00ean c\u00e1c xu h\u01b0\u1edbng hi\u1ec7n t\u1ea1i. Nh\u1eefng c\u1ed9t m\u1ed1c n\u00e0y bao g\u1ed3m: duy tr\u00ec l\u1ee3i nhu\u1eadn GAAP trong \u00edt nh\u1ea5t 8 qu\u00fd li\u00ean ti\u1ebfp (hi\u1ec7n t\u1ea1i l\u00e0 3 qu\u00fd), \u0111\u1ea1t \u0111\u01b0\u1ee3c t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu \u1ed5n \u0111\u1ecbnh tr\u00ean 12% (hi\u1ec7n t\u1ea1i \u0111ang ti\u1ebfn g\u1ea7n 5%), thi\u1ebft l\u1eadp t\u1ef7 l\u1ec7 v\u1ed1n quy \u0111\u1ecbnh tho\u1ea3i m\u00e1i v\u1edbi c\u00e1c b\u1ed9 \u0111\u1ec7m ph\u00f9 h\u1ee3p, v\u00e0 x\u00e2y d\u1ef1ng c\u01a1 s\u1edf ti\u1ec1n g\u1eedi \u0111\u00e1ng k\u1ec3 v\u01b0\u1ee3t qu\u00e1 15 t\u1ef7 \u0111\u00f4 la (hi\u1ec7n t\u1ea1i l\u00e0 7,2 t\u1ef7 \u0111\u00f4 la). C\u00f4ng ty c\u00f3 th\u1ec3 s\u1ebd th\u1ef1c hi\u1ec7n mua l\u1ea1i c\u1ed5 ph\u1ea7n tr\u01b0\u1edbc khi kh\u1edfi \u0111\u1ed9ng c\u1ed5 t\u1ee9c, theo m\u00f4 h\u00ecnh c\u1ee7a c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh kh\u00e1c. Ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111\u1ea1t quy m\u00f4 s\u1ebd l\u00e0 ch\u1ea5t x\u00fac t\u00e1c c\u00f3 kh\u1ea3 n\u0103ng nh\u1ea5t, cung c\u1ea5p khung ph\u00e1p l\u00fd v\u00e0 ngu\u1ed3n v\u1ed1n \u1ed5n \u0111\u1ecbnh c\u1ea7n thi\u1ebft cho l\u1ee3i nhu\u1eadn c\u1ed5 \u0111\u00f4ng \u1ed5n \u0111\u1ecbnh."},{"question":"L\u00e0m th\u1ebf n\u00e0o SoFi mang l\u1ea1i gi\u00e1 tr\u1ecb cho c\u1ed5 \u0111\u00f4ng m\u00e0 kh\u00f4ng c\u1ea7n c\u1ed5 t\u1ee9c?","answer":"SoFi mang l\u1ea1i gi\u00e1 tr\u1ecb cho c\u1ed5 \u0111\u00f4ng th\u00f4ng qua t\u0103ng tr\u01b0\u1edfng kinh doanh v\u00e0 t\u1ea1o ra gi\u00e1 tr\u1ecb c\u01a1 b\u1ea3n thay v\u00ec ph\u00e2n ph\u1ed1i ti\u1ec1n m\u1eb7t tr\u1ef1c ti\u1ebfp. C\u00f4ng ty t\u1eadp trung v\u00e0o vi\u1ec7c m\u1edf r\u1ed9ng c\u01a1 s\u1edf th\u00e0nh vi\u00ean (t\u0103ng tr\u01b0\u1edfng 46% h\u00e0ng n\u0103m), t\u0103ng c\u01b0\u1eddng s\u1ef1 ch\u1ea5p nh\u1eadn s\u1ea3n ph\u1ea9m tr\u00ean m\u1ed7i th\u00e0nh vi\u00ean (t\u1eeb 1.5 \u0111\u1ebfn m\u1ee5c ti\u00eau 3.0+ s\u1ea3n ph\u1ea9m), ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111\u1ec3 c\u1ea3i thi\u1ec7n chi ph\u00ed t\u00e0i tr\u1ee3 (ti\u1ec1n g\u1eedi t\u0103ng h\u01a1n 40% h\u00e0ng qu\u00fd), v\u00e0 ph\u00e1t tri\u1ec3n kinh doanh n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 c\u00f3 bi\u00ean l\u1ee3i nhu\u1eadn cao (Galileo v\u00e0 Technisys, t\u0103ng tr\u01b0\u1edfng doanh thu 48%). Nh\u1eefng s\u00e1ng ki\u1ebfn n\u00e0y nh\u1eb1m t\u0103ng gi\u00e1 tr\u1ecb doanh nghi\u1ec7p th\u00f4ng qua c\u1ea3i thi\u1ec7n kinh t\u1ebf \u0111\u01a1n v\u1ecb, n\u00e2ng cao ch\u1ec9 s\u1ed1 l\u1ee3i nhu\u1eadn v\u00e0 l\u1ee3i th\u1ebf c\u1ea1nh tranh b\u1ec1n v\u1eefng. Kh\u00f4ng gi\u1ed1ng nh\u01b0 m\u1ed9t s\u1ed1 c\u00f4ng ty kh\u00f4ng tr\u1ea3 c\u1ed5 t\u1ee9c, SoFi ch\u01b0a th\u1ef1c hi\u1ec7n c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh mua l\u1ea1i c\u1ed5 phi\u1ebfu, m\u1eb7c d\u00f9 \u0111\u00e2y c\u00f3 th\u1ec3 l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean h\u01b0\u1edbng t\u1edbi l\u1ee3i nhu\u1eadn cho c\u1ed5 \u0111\u00f4ng khi v\u1ecb th\u1ebf d\u00f2ng ti\u1ec1n t\u1ef1 do c\u1ee7a c\u00f4ng ty \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1 trong nh\u1eefng n\u0103m t\u1edbi."},{"question":"Ch\u00ednh s\u00e1ch c\u1ed5 t\u1ee9c c\u1ee7a SoFi so v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00e1c nh\u01b0 th\u1ebf n\u00e0o?","answer":"Ch\u00ednh s\u00e1ch kh\u00f4ng chia c\u1ed5 t\u1ee9c c\u1ee7a SoFi ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c c\u00f4ng ty fintech giai \u0111o\u1ea1n t\u0103ng tr\u01b0\u1edfng kh\u00e1c nh\u01b0ng l\u1ea1i t\u01b0\u01a1ng ph\u1ea3n m\u1ea1nh m\u1ebd v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng. Trong khi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 th\u00e0nh l\u1eadp nh\u01b0 JPMorgan Chase v\u00e0 Bank of America duy tr\u00ec l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c t\u1eeb 2,5-2,7% v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng doanh thu khi\u00eam t\u1ed1n 4-5%, SoFi \u0111ang \u0111\u1ea1t m\u1ee9c t\u0103ng tr\u01b0\u1edfng doanh thu 43% m\u00e0 kh\u00f4ng c\u00f3 thu nh\u1eadp hi\u1ec7n t\u1ea1i. \u0110i\u1ec1u n\u00e0y ph\u1ea3n \u00e1nh c\u00e1c giai \u0111o\u1ea1n kinh doanh v\u00e0 \u0111\u1ec1 xu\u1ea5t gi\u00e1 tr\u1ecb nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00e1c nhau v\u1ec1 c\u01a1 b\u1ea3n. C\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh tr\u01b0\u1edfng th\u00e0nh nh\u01b0 Visa v\u00e0 Mastercard \u0111\u1ea1i di\u1ec7n cho c\u00e1c m\u00f4 h\u00ecnh ti\u1ec1m n\u0103ng trong t\u01b0\u01a1ng lai cho SoFi, cung c\u1ea5p l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c khi\u00eam t\u1ed1n (0,7-0,8%) trong khi duy tr\u00ec t\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng tr\u00ean trung b\u00ecnh (10-15%). C\u00e1c c\u00f4ng ty n\u00e0y ch\u1ec9 b\u1eaft \u0111\u1ea7u chia c\u1ed5 t\u1ee9c sau nhi\u1ec1u th\u1eadp k\u1ef7 ho\u1ea1t \u0111\u1ed9ng v\u00e0 thi\u1ebft l\u1eadp v\u1ecb th\u1ebf th\u1ecb tr\u01b0\u1eddng th\u1ed1ng tr\u1ecb, cho th\u1ea5y SoFi s\u1ebd theo m\u1ed9t l\u1ed9 tr\u00ecnh k\u00e9o d\u00e0i t\u01b0\u01a1ng t\u1ef1 tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n chia c\u1ed5 t\u1ee9c."},{"question":"C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1eadp trung v\u00e0o thu nh\u1eadp n\u00ean ti\u1ebfp c\u1eadn c\u1ed5 phi\u1ebfu SoFi nh\u01b0 th\u1ebf n\u00e0o?","answer":"C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1eadp trung v\u00e0o thu nh\u1eadp c\u00f3 th\u1ec3 k\u1ebft h\u1ee3p SoFi trong c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u00e2n b\u1eb1ng m\u1eb7c d\u00f9 kh\u00f4ng c\u00f3 c\u1ed5 t\u1ee9c th\u00f4ng qua m\u1ed9t s\u1ed1 chi\u1ebfn l\u01b0\u1ee3c th\u1ef1c ti\u1ec5n: (1) Th\u1ef1c hi\u1ec7n m\u1ed9t \"thanh t\u1ea1\" trong ng\u00e0nh t\u00e0i ch\u00ednh k\u1ebft h\u1ee3p SoFi v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng c\u00f3 l\u1ee3i su\u1ea5t cao h\u01a1n v\u00e0 REIT t\u00e0i ch\u00ednh \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 ti\u1ebfp x\u00fac v\u1edbi ng\u00e0nh trong khi duy tr\u00ec thu nh\u1eadp danh m\u1ee5c \u0111\u1ea7u t\u01b0; (2) T\u1ea1o thu nh\u1eadp t\u1ed5ng h\u1ee3p th\u00f4ng qua c\u00e1c chi\u1ebfn l\u01b0\u1ee3c quy\u1ec1n ch\u1ecdn mua c\u00f3 b\u1ea3o hi\u1ec3m tr\u00ean c\u00e1c v\u1ecb tr\u00ed SoFi trong c\u00e1c giai \u0111o\u1ea1n bi\u1ebfn \u0111\u1ed9ng cao (nh\u1eafm m\u1ee5c ti\u00eau l\u1ee3i su\u1ea5t h\u00e0ng n\u0103m t\u1eeb 8-15%); (3) Th\u1ef1c h\u00e0nh t\u00e1i c\u00e2n b\u1eb1ng chi\u1ebfn l\u01b0\u1ee3c b\u1eb1ng c\u00e1ch thu ho\u1ea1ch l\u1ee3i nhu\u1eadn SoFi sau khi gi\u00e1 t\u0103ng \u0111\u00e1ng k\u1ec3 \u0111\u1ec3 t\u00e1i \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c t\u00e0i s\u1ea3n tr\u1ea3 c\u1ed5 t\u1ee9c; v\u00e0 (4) Ph\u00e2n b\u1ed5 SoFi v\u00e0o c\u00e1c ph\u00e2n kh\u00fac t\u0103ng tr\u01b0\u1edfng d\u00e0i h\u1ea1n c\u1ee7a danh m\u1ee5c \u0111\u1ea7u t\u01b0 trong khi s\u1eed d\u1ee5ng c\u1ed5 phi\u1ebfu tr\u1ea3 c\u1ed5 t\u1ee9c cho nhu c\u1ea7u thu nh\u1eadp ng\u1eafn h\u1ea1n. Nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p n\u00e0y cho ph\u00e9p tham gia v\u00e0o ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng c\u1ee7a SoFi m\u00e0 kh\u00f4ng hy sinh c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m thu nh\u1eadp c\u1ea7n thi\u1ebft c\u1ee7a danh m\u1ee5c \u0111\u1ea7u t\u01b0."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"Hi\u1ec7n t\u1ea1i c\u1ed5 phi\u1ebfu SoFi c\u00f3 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00f4ng?","answer":"Kh\u00f4ng, SoFi Technologies (NASDAQ: SOFI) hi\u1ec7n kh\u00f4ng tr\u1ea3 c\u1ed5 t\u1ee9c cho c\u1ed5 \u0111\u00f4ng. K\u1ec3 t\u1eeb khi c\u00f4ng khai th\u00f4ng qua s\u00e1p nh\u1eadp SPAC v\u00e0o th\u00e1ng 6 n\u0103m 2021, c\u00f4ng ty \u0111\u00e3 duy tr\u00ec chi\u1ebfn l\u01b0\u1ee3c ph\u00e2n b\u1ed5 v\u1ed1n t\u1eadp trung v\u00e0o t\u0103ng tr\u01b0\u1edfng, \u01b0u ti\u00ean t\u00e1i \u0111\u1ea7u t\u01b0 v\u00e0o m\u1edf r\u1ed9ng kinh doanh, ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 v\u00e0 mua l\u1ea1i chi\u1ebfn l\u01b0\u1ee3c. V\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng doanh thu 43% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc v\u00e0 ba qu\u00fd li\u00ean ti\u1ebfp c\u00f3 l\u1ee3i nhu\u1eadn GAAP (t\u00ednh \u0111\u1ebfn qu\u00fd 1 n\u0103m 2023), SoFi \u0111ang t\u1eadp trung v\u00e0o vi\u1ec7c m\u1edf r\u1ed9ng c\u01a1 s\u1edf th\u00e0nh vi\u00ean (hi\u1ec7n c\u00f3 7,5 tri\u1ec7u th\u00e0nh vi\u00ean), m\u1edf r\u1ed9ng h\u1ec7 sinh th\u00e1i s\u1ea3n ph\u1ea9m v\u00e0 c\u1ee7ng c\u1ed1 ho\u1ea1t \u0111\u1ed9ng n\u1ec1n t\u1ea3ng ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ngh\u1ec7 c\u1ee7a m\u00ecnh thay v\u00ec ph\u00e2n ph\u1ed1i l\u1ee3i nhu\u1eadn cho c\u1ed5 \u0111\u00f4ng."},{"question":"Khi n\u00e0o SoFi c\u00f3 th\u1ec3 xem x\u00e9t b\u1eaft \u0111\u1ea7u tr\u1ea3 c\u1ed5 t\u1ee9c?","answer":"SoFi c\u00f3 th\u1ec3 xem x\u00e9t kh\u1edfi \u0111\u1ed9ng c\u1ed5 t\u1ee9c sau khi \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 c\u1ed9t m\u1ed1c t\u00e0i ch\u00ednh quan tr\u1ecdng, c\u00f3 kh\u1ea3 n\u0103ng trong khung th\u1eddi gian 3-5 n\u0103m d\u1ef1a tr\u00ean c\u00e1c xu h\u01b0\u1edbng hi\u1ec7n t\u1ea1i. Nh\u1eefng c\u1ed9t m\u1ed1c n\u00e0y bao g\u1ed3m: duy tr\u00ec l\u1ee3i nhu\u1eadn GAAP trong \u00edt nh\u1ea5t 8 qu\u00fd li\u00ean ti\u1ebfp (hi\u1ec7n t\u1ea1i l\u00e0 3 qu\u00fd), \u0111\u1ea1t \u0111\u01b0\u1ee3c t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu \u1ed5n \u0111\u1ecbnh tr\u00ean 12% (hi\u1ec7n t\u1ea1i \u0111ang ti\u1ebfn g\u1ea7n 5%), thi\u1ebft l\u1eadp t\u1ef7 l\u1ec7 v\u1ed1n quy \u0111\u1ecbnh tho\u1ea3i m\u00e1i v\u1edbi c\u00e1c b\u1ed9 \u0111\u1ec7m ph\u00f9 h\u1ee3p, v\u00e0 x\u00e2y d\u1ef1ng c\u01a1 s\u1edf ti\u1ec1n g\u1eedi \u0111\u00e1ng k\u1ec3 v\u01b0\u1ee3t qu\u00e1 15 t\u1ef7 \u0111\u00f4 la (hi\u1ec7n t\u1ea1i l\u00e0 7,2 t\u1ef7 \u0111\u00f4 la). C\u00f4ng ty c\u00f3 th\u1ec3 s\u1ebd th\u1ef1c hi\u1ec7n mua l\u1ea1i c\u1ed5 ph\u1ea7n tr\u01b0\u1edbc khi kh\u1edfi \u0111\u1ed9ng c\u1ed5 t\u1ee9c, theo m\u00f4 h\u00ecnh c\u1ee7a c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh kh\u00e1c. Ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111\u1ea1t quy m\u00f4 s\u1ebd l\u00e0 ch\u1ea5t x\u00fac t\u00e1c c\u00f3 kh\u1ea3 n\u0103ng nh\u1ea5t, cung c\u1ea5p khung ph\u00e1p l\u00fd v\u00e0 ngu\u1ed3n v\u1ed1n \u1ed5n \u0111\u1ecbnh c\u1ea7n thi\u1ebft cho l\u1ee3i nhu\u1eadn c\u1ed5 \u0111\u00f4ng \u1ed5n \u0111\u1ecbnh."},{"question":"L\u00e0m th\u1ebf n\u00e0o SoFi mang l\u1ea1i gi\u00e1 tr\u1ecb cho c\u1ed5 \u0111\u00f4ng m\u00e0 kh\u00f4ng c\u1ea7n c\u1ed5 t\u1ee9c?","answer":"SoFi mang l\u1ea1i gi\u00e1 tr\u1ecb cho c\u1ed5 \u0111\u00f4ng th\u00f4ng qua t\u0103ng tr\u01b0\u1edfng kinh doanh v\u00e0 t\u1ea1o ra gi\u00e1 tr\u1ecb c\u01a1 b\u1ea3n thay v\u00ec ph\u00e2n ph\u1ed1i ti\u1ec1n m\u1eb7t tr\u1ef1c ti\u1ebfp. C\u00f4ng ty t\u1eadp trung v\u00e0o vi\u1ec7c m\u1edf r\u1ed9ng c\u01a1 s\u1edf th\u00e0nh vi\u00ean (t\u0103ng tr\u01b0\u1edfng 46% h\u00e0ng n\u0103m), t\u0103ng c\u01b0\u1eddng s\u1ef1 ch\u1ea5p nh\u1eadn s\u1ea3n ph\u1ea9m tr\u00ean m\u1ed7i th\u00e0nh vi\u00ean (t\u1eeb 1.5 \u0111\u1ebfn m\u1ee5c ti\u00eau 3.0+ s\u1ea3n ph\u1ea9m), ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111\u1ec3 c\u1ea3i thi\u1ec7n chi ph\u00ed t\u00e0i tr\u1ee3 (ti\u1ec1n g\u1eedi t\u0103ng h\u01a1n 40% h\u00e0ng qu\u00fd), v\u00e0 ph\u00e1t tri\u1ec3n kinh doanh n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 c\u00f3 bi\u00ean l\u1ee3i nhu\u1eadn cao (Galileo v\u00e0 Technisys, t\u0103ng tr\u01b0\u1edfng doanh thu 48%). Nh\u1eefng s\u00e1ng ki\u1ebfn n\u00e0y nh\u1eb1m t\u0103ng gi\u00e1 tr\u1ecb doanh nghi\u1ec7p th\u00f4ng qua c\u1ea3i thi\u1ec7n kinh t\u1ebf \u0111\u01a1n v\u1ecb, n\u00e2ng cao ch\u1ec9 s\u1ed1 l\u1ee3i nhu\u1eadn v\u00e0 l\u1ee3i th\u1ebf c\u1ea1nh tranh b\u1ec1n v\u1eefng. Kh\u00f4ng gi\u1ed1ng nh\u01b0 m\u1ed9t s\u1ed1 c\u00f4ng ty kh\u00f4ng tr\u1ea3 c\u1ed5 t\u1ee9c, SoFi ch\u01b0a th\u1ef1c hi\u1ec7n c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh mua l\u1ea1i c\u1ed5 phi\u1ebfu, m\u1eb7c d\u00f9 \u0111\u00e2y c\u00f3 th\u1ec3 l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean h\u01b0\u1edbng t\u1edbi l\u1ee3i nhu\u1eadn cho c\u1ed5 \u0111\u00f4ng khi v\u1ecb th\u1ebf d\u00f2ng ti\u1ec1n t\u1ef1 do c\u1ee7a c\u00f4ng ty \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1 trong nh\u1eefng n\u0103m t\u1edbi."},{"question":"Ch\u00ednh s\u00e1ch c\u1ed5 t\u1ee9c c\u1ee7a SoFi so v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00e1c nh\u01b0 th\u1ebf n\u00e0o?","answer":"Ch\u00ednh s\u00e1ch kh\u00f4ng chia c\u1ed5 t\u1ee9c c\u1ee7a SoFi ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c c\u00f4ng ty fintech giai \u0111o\u1ea1n t\u0103ng tr\u01b0\u1edfng kh\u00e1c nh\u01b0ng l\u1ea1i t\u01b0\u01a1ng ph\u1ea3n m\u1ea1nh m\u1ebd v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng. Trong khi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 th\u00e0nh l\u1eadp nh\u01b0 JPMorgan Chase v\u00e0 Bank of America duy tr\u00ec l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c t\u1eeb 2,5-2,7% v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng doanh thu khi\u00eam t\u1ed1n 4-5%, SoFi \u0111ang \u0111\u1ea1t m\u1ee9c t\u0103ng tr\u01b0\u1edfng doanh thu 43% m\u00e0 kh\u00f4ng c\u00f3 thu nh\u1eadp hi\u1ec7n t\u1ea1i. \u0110i\u1ec1u n\u00e0y ph\u1ea3n \u00e1nh c\u00e1c giai \u0111o\u1ea1n kinh doanh v\u00e0 \u0111\u1ec1 xu\u1ea5t gi\u00e1 tr\u1ecb nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00e1c nhau v\u1ec1 c\u01a1 b\u1ea3n. C\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh tr\u01b0\u1edfng th\u00e0nh nh\u01b0 Visa v\u00e0 Mastercard \u0111\u1ea1i di\u1ec7n cho c\u00e1c m\u00f4 h\u00ecnh ti\u1ec1m n\u0103ng trong t\u01b0\u01a1ng lai cho SoFi, cung c\u1ea5p l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c khi\u00eam t\u1ed1n (0,7-0,8%) trong khi duy tr\u00ec t\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng tr\u00ean trung b\u00ecnh (10-15%). C\u00e1c c\u00f4ng ty n\u00e0y ch\u1ec9 b\u1eaft \u0111\u1ea7u chia c\u1ed5 t\u1ee9c sau nhi\u1ec1u th\u1eadp k\u1ef7 ho\u1ea1t \u0111\u1ed9ng v\u00e0 thi\u1ebft l\u1eadp v\u1ecb th\u1ebf th\u1ecb tr\u01b0\u1eddng th\u1ed1ng tr\u1ecb, cho th\u1ea5y SoFi s\u1ebd theo m\u1ed9t l\u1ed9 tr\u00ecnh k\u00e9o d\u00e0i t\u01b0\u01a1ng t\u1ef1 tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n chia c\u1ed5 t\u1ee9c."},{"question":"C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1eadp trung v\u00e0o thu nh\u1eadp n\u00ean ti\u1ebfp c\u1eadn c\u1ed5 phi\u1ebfu SoFi nh\u01b0 th\u1ebf n\u00e0o?","answer":"C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1eadp trung v\u00e0o thu nh\u1eadp c\u00f3 th\u1ec3 k\u1ebft h\u1ee3p SoFi trong c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u00e2n b\u1eb1ng m\u1eb7c d\u00f9 kh\u00f4ng c\u00f3 c\u1ed5 t\u1ee9c th\u00f4ng qua m\u1ed9t s\u1ed1 chi\u1ebfn l\u01b0\u1ee3c th\u1ef1c ti\u1ec5n: (1) Th\u1ef1c hi\u1ec7n m\u1ed9t \"thanh t\u1ea1\" trong ng\u00e0nh t\u00e0i ch\u00ednh k\u1ebft h\u1ee3p SoFi v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng c\u00f3 l\u1ee3i su\u1ea5t cao h\u01a1n v\u00e0 REIT t\u00e0i ch\u00ednh \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 ti\u1ebfp x\u00fac v\u1edbi ng\u00e0nh trong khi duy tr\u00ec thu nh\u1eadp danh m\u1ee5c \u0111\u1ea7u t\u01b0; (2) T\u1ea1o thu nh\u1eadp t\u1ed5ng h\u1ee3p th\u00f4ng qua c\u00e1c chi\u1ebfn l\u01b0\u1ee3c quy\u1ec1n ch\u1ecdn mua c\u00f3 b\u1ea3o hi\u1ec3m tr\u00ean c\u00e1c v\u1ecb tr\u00ed SoFi trong c\u00e1c giai \u0111o\u1ea1n bi\u1ebfn \u0111\u1ed9ng cao (nh\u1eafm m\u1ee5c ti\u00eau l\u1ee3i su\u1ea5t h\u00e0ng n\u0103m t\u1eeb 8-15%); (3) Th\u1ef1c h\u00e0nh t\u00e1i c\u00e2n b\u1eb1ng chi\u1ebfn l\u01b0\u1ee3c b\u1eb1ng c\u00e1ch thu ho\u1ea1ch l\u1ee3i nhu\u1eadn SoFi sau khi gi\u00e1 t\u0103ng \u0111\u00e1ng k\u1ec3 \u0111\u1ec3 t\u00e1i \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c t\u00e0i s\u1ea3n tr\u1ea3 c\u1ed5 t\u1ee9c; v\u00e0 (4) Ph\u00e2n b\u1ed5 SoFi v\u00e0o c\u00e1c ph\u00e2n kh\u00fac t\u0103ng tr\u01b0\u1edfng d\u00e0i h\u1ea1n c\u1ee7a danh m\u1ee5c \u0111\u1ea7u t\u01b0 trong khi s\u1eed d\u1ee5ng c\u1ed5 phi\u1ebfu tr\u1ea3 c\u1ed5 t\u1ee9c cho nhu c\u1ea7u thu nh\u1eadp ng\u1eafn h\u1ea1n. Nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p n\u00e0y cho ph\u00e9p tham gia v\u00e0o ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng c\u1ee7a SoFi m\u00e0 kh\u00f4ng hy sinh c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m thu nh\u1eadp c\u1ea7n thi\u1ebft c\u1ee7a danh m\u1ee5c \u0111\u1ea7u t\u01b0."}]}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>C\u1ed5 T\u1ee9c C\u1ed5 Phi\u1ebfu SoFi: H\u01b0\u1edbng D\u1eabn Chuy\u00ean Gia cho Nh\u00e0 \u0110\u1ea7u T\u01b0 Chi\u1ebfn L\u01b0\u1ee3c<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pocketoption.com\/blog\/vt\/knowledge-base\/trading\/sofi-stock-dividend\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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