{"id":318811,"date":"2025-07-21T07:32:30","date_gmt":"2025-07-21T07:32:30","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/why-is-sofi-stock-down-today-7-expert-insights-for-strategic-investors-2\/"},"modified":"2025-07-21T07:32:30","modified_gmt":"2025-07-21T07:32:30","slug":"why-is-sofi-stock-down-today-7-expert-insights-for-strategic-investors","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/vt\/knowledge-base\/trading\/why-is-sofi-stock-down-today-7-expert-insights-for-strategic-investors\/","title":{"rendered":"T\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay: 7 th\u00f4ng tin chuy\u00ean gia cho c\u00e1c nh\u00e0 \u0111\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":300234,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[37,28,39,44],"class_list":["post-318811","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trading","tag-indicator","tag-investment","tag-platform","tag-strategy"],"acf":{"h1":"Ph\u00e2n T\u00edch \u0110\u1ed9c Quy\u1ec1n c\u1ee7a Pocket Option: T\u1ea1i Sao C\u1ed5 Phi\u1ebfu SoFi Gi\u1ea3m H\u00f4m Nay","h1_source":{"label":"H1","type":"text","formatted_value":"Ph\u00e2n T\u00edch \u0110\u1ed9c Quy\u1ec1n c\u1ee7a Pocket Option: T\u1ea1i Sao C\u1ed5 Phi\u1ebfu SoFi Gi\u1ea3m H\u00f4m Nay"},"description":"Kh\u00e1m ph\u00e1 l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay v\u1edbi ph\u00e2n t\u00edch th\u1ecb tr\u01b0\u1eddng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u c\u1ee7a ch\u00fang t\u00f4i. Nh\u1eadn c\u00e1c y\u1ebfu t\u1ed1 \u0111\u1ed9c quy\u1ec1n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn bi\u1ebfn \u0111\u1ed9ng gi\u00e1 c\u1ee7a SoFi v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c giao d\u1ecbch c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n t\u1eeb c\u00e1c chuy\u00ean gia c\u1ee7a Pocket Option.","description_source":{"label":"Description","type":"textarea","formatted_value":"Kh\u00e1m ph\u00e1 l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay v\u1edbi ph\u00e2n t\u00edch th\u1ecb tr\u01b0\u1eddng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u c\u1ee7a ch\u00fang t\u00f4i. Nh\u1eadn c\u00e1c y\u1ebfu t\u1ed1 \u0111\u1ed9c quy\u1ec1n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn bi\u1ebfn \u0111\u1ed9ng gi\u00e1 c\u1ee7a SoFi v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c giao d\u1ecbch c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n t\u1eeb c\u00e1c chuy\u00ean gia c\u1ee7a Pocket Option."},"intro":"C\u1ed5 phi\u1ebfu SoFi \u0111\u00e3 gi\u1ea3m 15,3% trong tu\u1ea7n n\u00e0y, khi\u1ebfn c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u1ea3i t\u00ecm ki\u1ebfm c\u00e2u tr\u1ea3 l\u1eddi v\u01b0\u1ee3t ra ngo\u00e0i c\u00e1c ti\u00eau \u0111\u1ec1 b\u1ec1 m\u1eb7t. S\u1ef1 s\u1ee5t gi\u1ea3m n\u00e0y di\u1ec5n ra trong b\u1ed1i c\u1ea3nh k\u1ebft qu\u1ea3 qu\u00fd h\u1ed7n h\u1ee3p v\u00e0 \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf v\u0129 m\u00f4 thay \u0111\u1ed5i \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn to\u00e0n b\u1ed9 ng\u00e0nh fintech. Ph\u00e2n t\u00edch chuy\u00ean s\u00e2u c\u1ee7a ch\u00fang t\u00f4i c\u1eaft qua ti\u1ebfng \u1ed3n th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 ti\u1ebft l\u1ed9 c\u00e1c y\u1ebfu t\u1ed1 ch\u00ednh x\u00e1c \u0111ang \u0111i\u1ec1u khi\u1ec3n qu\u1ef9 \u0111\u1ea1o hi\u1ec7n t\u1ea1i c\u1ee7a SoFi v\u00e0 cung c\u1ea5p nh\u1eefng hi\u1ec3u bi\u1ebft c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng cho vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c.","intro_source":{"label":"Intro","type":"text","formatted_value":"C\u1ed5 phi\u1ebfu SoFi \u0111\u00e3 gi\u1ea3m 15,3% trong tu\u1ea7n n\u00e0y, khi\u1ebfn c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u1ea3i t\u00ecm ki\u1ebfm c\u00e2u tr\u1ea3 l\u1eddi v\u01b0\u1ee3t ra ngo\u00e0i c\u00e1c ti\u00eau \u0111\u1ec1 b\u1ec1 m\u1eb7t. S\u1ef1 s\u1ee5t gi\u1ea3m n\u00e0y di\u1ec5n ra trong b\u1ed1i c\u1ea3nh k\u1ebft qu\u1ea3 qu\u00fd h\u1ed7n h\u1ee3p v\u00e0 \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf v\u0129 m\u00f4 thay \u0111\u1ed5i \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn to\u00e0n b\u1ed9 ng\u00e0nh fintech. Ph\u00e2n t\u00edch chuy\u00ean s\u00e2u c\u1ee7a ch\u00fang t\u00f4i c\u1eaft qua ti\u1ebfng \u1ed3n th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 ti\u1ebft l\u1ed9 c\u00e1c y\u1ebfu t\u1ed1 ch\u00ednh x\u00e1c \u0111ang \u0111i\u1ec1u khi\u1ec3n qu\u1ef9 \u0111\u1ea1o hi\u1ec7n t\u1ea1i c\u1ee7a SoFi v\u00e0 cung c\u1ea5p nh\u1eefng hi\u1ec3u bi\u1ebft c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng cho vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c."},"body_html":"<div class=\"custom-html-container\">\n<h2>Hi\u1ec3u V\u1ecb Th\u1ebf Th\u1ecb Tr\u01b0\u1eddng v\u00e0 Hi\u1ec7u Su\u1ea5t G\u1ea7n \u0110\u00e2y c\u1ee7a SoFi<\/h2>\nKhi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm c\u00e2u tr\u1ea3 l\u1eddi v\u1ec1 l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay, h\u1ecd g\u1eb7p ph\u1ea3i m\u1ed9t kho\u1ea3ng c\u00e1ch quan tr\u1ecdng gi\u1eefa tin t\u1ee9c ti\u00eau \u0111\u1ec1 v\u00e0 th\u00f4ng tin t\u00ecnh b\u00e1o c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng. SoFi Technologies, Inc. (NASDAQ: SOFI) \u0111\u00e3 chuy\u1ec3n \u0111\u1ed5i t\u1eeb m\u1ed9t c\u00f4ng ty t\u00e1i t\u00e0i tr\u1ee3 kho\u1ea3n vay sinh vi\u00ean ng\u00e1ch th\u00e0nh m\u1ed9t h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh \u0111a d\u1ea1ng v\u1edbi v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng 5,7 t\u1ef7 \u0111\u00f4 la, nh\u01b0ng c\u1ed5 phi\u1ebfu c\u1ee7a n\u00f3 \u0111\u00e3 gi\u1ea3m 37,8% t\u1eeb m\u1ee9c cao nh\u1ea5t trong 52 tu\u1ea7n, k\u00e9m h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi ch\u1ec9 s\u1ed1 fintech r\u1ed9ng h\u01a1n.\n\nS\u1ef1 m\u1edf r\u1ed9ng m\u1ea1nh m\u1ebd c\u1ee7a SoFi t\u1eeb cho vay chuy\u00ean bi\u1ec7t sang d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n \u0111\u00e3 t\u1ea1o ra m\u1ed9t con dao hai l\u01b0\u1ee1i cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0. C\u00f4ng ty hi\u1ec7n qu\u1ea3n l\u00fd 27,4 t\u1ef7 \u0111\u00f4 la t\u00e0i s\u1ea3n trong khi ph\u1ee5c v\u1ee5 7,5 tri\u1ec7u th\u00e0nh vi\u00ean tr\u00ean c\u00e1c l\u0129nh v\u1ef1c cho vay, \u0111\u1ea7u t\u01b0 v\u00e0 ng\u00e2n h\u00e0ng. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch s\u1eed d\u1ee5ng n\u1ec1n t\u1ea3ng ph\u00e2n t\u00edch n\u00e2ng cao c\u1ee7a Pocket Option, c\u00e1c ch\u1ec9 s\u1ed1 c\u01a1 b\u1ea3n n\u00e0y cung c\u1ea5p b\u1ed1i c\u1ea3nh thi\u1ebft y\u1ebfu tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n b\u1ea5t k\u1ef3 chi\u1ebfn l\u01b0\u1ee3c t\u1eadp trung v\u00e0o SoFi n\u00e0o trong m\u00f4i tr\u01b0\u1eddng th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng ng\u00e0y nay.\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Ph\u00e2n Kh\u00fac Kinh Doanh SoFi<\/th>\n<th>\u0110\u00f3ng G\u00f3p Doanh Thu (%)<\/th>\n<th>T\u0103ng Tr\u01b0\u1edfng YoY (%)<\/th>\n<th>T\u00e2m L\u00fd Th\u1ecb Tr\u01b0\u1eddng Hi\u1ec7n T\u1ea1i<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Cho vay<\/td>\n<td>61,3%<\/td>\n<td>+7,8%<\/td>\n<td>Th\u1eadn tr\u1ecdng - lo ng\u1ea1i v\u1ec1 \u0111\u1ed9 nh\u1ea1y c\u1ea3m v\u1edbi l\u00e3i su\u1ea5t<\/td>\n<\/tr>\n<tr>\n<td>D\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh<\/td>\n<td>21,5%<\/td>\n<td>+28,4%<\/td>\n<td>T\u00edch c\u1ef1c - ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng cao<\/td>\n<\/tr>\n<tr>\n<td>N\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7<\/td>\n<td>17,2%<\/td>\n<td>+13,6%<\/td>\n<td>Trung l\u1eadp - \u00e1p l\u1ef1c c\u1ea1nh tranh<\/td>\n<\/tr>\n<tr>\n<td>D\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng<\/td>\n<td>\u0110\u01b0\u1ee3c nh\u00fang trong c\u00e1c ph\u00e2n kh\u00fac<\/td>\n<td>+54,3% (ti\u1ec1n g\u1eedi)<\/td>\n<td>T\u00edch c\u1ef1c - m\u1edf r\u1ed9ng hi\u1ec7u qu\u1ea3<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2>C\u00e1c Y\u1ebfu T\u1ed1 Kinh T\u1ebf V\u0129 M\u00f4 \u0110ang Th\u00fac \u0110\u1ea9y S\u1ef1 S\u1ee5t Gi\u1ea3m Hi\u1ec7n T\u1ea1i c\u1ee7a SoFi<\/h2>\n\u0110\u1ec3 ch\u1ea9n \u0111o\u00e1n \u0111\u00fang l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay, tr\u01b0\u1edbc ti\u00ean ch\u00fang ta ph\u1ea3i ph\u00e2n t\u00edch b\u1ed1i c\u1ea3nh kinh t\u1ebf v\u0129 m\u00f4 \u0111\u00e3 thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 trong qu\u00fd v\u1eeba qua. \u0110\u1ecbnh gi\u00e1 fintech \u0111\u00e3 gi\u1ea3m trung b\u00ecnh 23,7% t\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ebfn nay khi s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn v\u1ec1 ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 gia t\u0103ng. \u0110\u1ed9 nh\u1ea1y c\u1ea3m c\u1ee7a SoFi v\u1edbi c\u00e1c y\u1ebfu t\u1ed1 b\u00ean ngo\u00e0i n\u00e0y t\u1ea1o ra c\u1ea3 th\u00e1ch th\u1ee9c ngay l\u1eadp t\u1ee9c v\u00e0 c\u01a1 h\u1ed9i gia nh\u1eadp ti\u1ec1m n\u0103ng cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ebfn l\u01b0\u1ee3c.\n<h3>\u0110\u1ed9ng L\u1ef1c L\u00e3i Su\u1ea5t v\u00e0 T\u00e1c \u0110\u1ed9ng c\u1ee7a Ch\u00fang \u0110\u1ebfn SoFi<\/h3>\nL\u00e3i su\u1ea5t \u0111\u1ea1i di\u1ec7n cho bi\u1ebfn s\u1ed1 b\u00ean ngo\u00e0i c\u00f3 \u1ea3nh h\u01b0\u1edfng nh\u1ea5t \u0111\u1ebfn m\u00f4 h\u00ecnh kinh doanh c\u1ed1t l\u00f5i c\u1ee7a SoFi. V\u1edbi vi\u1ec7c C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang duy tr\u00ec l\u00e3i su\u1ea5t chu\u1ea9n \u1edf m\u1ee9c cao nh\u1ea5t trong 23 n\u0103m l\u00e0 5,25-5,50%, bi\u00ean l\u00e3i su\u1ea5t r\u00f2ng c\u1ee7a SoFi \u0111\u00e3 gi\u1ea3m xu\u1ed1ng c\u00f2n 5,8%, gi\u1ea3m 40 \u0111i\u1ec3m c\u01a1 b\u1ea3n so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc. M\u1ed7i s\u1ef1 thay \u0111\u1ed5i 25 \u0111i\u1ec3m c\u01a1 b\u1ea3n trong k\u1ef3 v\u1ecdng l\u00e3i su\u1ea5t th\u01b0\u1eddng k\u00edch ho\u1ea1t s\u1ef1 di chuy\u1ec3n 3-5% trong gi\u00e1 c\u1ed5 phi\u1ebfu c\u1ee7a SoFi trong v\u00f2ng 48 gi\u1edd.\n\n\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch c\u1ea5p t\u1ed5 ch\u1ee9c c\u1ee7a Pocket Option, c\u00e1c m\u1ed1i t\u01b0\u01a1ng quan l\u00e3i su\u1ea5t n\u00e0y cung c\u1ea5p c\u00e1c t\u00edn hi\u1ec7u th\u1eddi gian quan tr\u1ecdng. Ch\u1ec9 tu\u1ea7n tr\u01b0\u1edbc, b\u00ecnh lu\u1eadn di\u1ec1u h\u00e2u c\u1ee7a Fed cho th\u1ea5y l\u00e3i su\u1ea5t \"cao h\u01a1n trong th\u1eddi gian d\u00e0i h\u01a1n\" \u0111\u00e3 k\u00edch ho\u1ea1t s\u1ef1 s\u1ee5t gi\u1ea3m ngay l\u1eadp t\u1ee9c 7,2% trong m\u1ed9t ng\u00e0y c\u1ee7a c\u1ed5 phi\u1ebfu SoFi, t\u1ea1o ra c\u00e1c m\u00f4 h\u00ecnh giao d\u1ecbch ri\u00eang bi\u1ec7t m\u00e0 c\u00e1c nh\u00e0 ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u00f3 th\u1ec3 l\u1eadp b\u1ea3n \u0111\u1ed3 v\u1edbi \u0111\u1ed9 ch\u00ednh x\u00e1c.\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>S\u1ef1 Ki\u1ec7n L\u00e3i Su\u1ea5t<\/th>\n<th>T\u00e1c \u0110\u1ed9ng Gi\u00e1 SoFi (%)<\/th>\n<th>Khung Th\u1eddi Gian Ph\u1ea3n \u1ee8ng<\/th>\n<th>\u0110\u1ed9 Tin C\u1eady M\u1eabu L\u1ecbch S\u1eed<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u0103ng l\u00e3i su\u1ea5t 25bp<\/td>\n<td>-4,3% \u0111\u1ebfn -6,8%<\/td>\n<td>2-4 gi\u1edd (t\u00e1c \u0111\u1ed9ng \u0111\u1ec9nh \u0111i\u1ec3m)<\/td>\n<td>87% nh\u1ea5t qu\u00e1n trong 6 s\u1ef1 ki\u1ec7n g\u1ea7n \u0111\u00e2y<\/td>\n<\/tr>\n<tr>\n<td>T\u00edn hi\u1ec7u c\u1eaft gi\u1ea3m l\u00e3i su\u1ea5t<\/td>\n<td>+5,2% \u0111\u1ebfn +9,7%<\/td>\n<td>6-24 gi\u1edd (x\u00e2y d\u1ef1ng \u0111\u1ed9ng l\u1ef1c)<\/td>\n<td>91% m\u1eabu nh\u1ea5t qu\u00e1n<\/td>\n<\/tr>\n<tr>\n<td>L\u00e3i su\u1ea5t kh\u00f4ng \u0111\u1ed5i v\u1edbi gi\u1ecdng \u0111i\u1ec7u di\u1ec1u h\u00e2u<\/td>\n<td>-2,7% \u0111\u1ebfn -4,5%<\/td>\n<td>12-18 gi\u1edd (\u00e1p l\u1ef1c d\u1ea7n d\u1ea7n)<\/td>\n<td>76% y\u1ebfu t\u1ed1 \u0111\u1ed9 tin c\u1eady<\/td>\n<\/tr>\n<tr>\n<td>L\u00e3i su\u1ea5t kh\u00f4ng \u0111\u1ed5i v\u1edbi gi\u1ecdng \u0111i\u1ec7u \u00f4n h\u00f2a<\/td>\n<td>+3,4% \u0111\u1ebfn +7,1%<\/td>\n<td>8-14 gi\u1edd (t\u0103ng t\u1ed1c l\u1ee3i nhu\u1eadn)<\/td>\n<td>82% \u0111\u1ed9 ch\u00ednh x\u00e1c l\u1ecbch s\u1eed<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>T\u00e2m L\u00fd Kinh T\u1ebf v\u00e0 Kh\u1ea9u V\u1ecb R\u1ee7i Ro<\/h3>\nT\u00e2m l\u00fd kinh t\u1ebf r\u1ed9ng h\u01a1n \u0111\u00e3 thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 trong nh\u1eefng tu\u1ea7n g\u1ea7n \u0111\u00e2y. C\u00e1c c\u1ed5 phi\u1ebfu fintech \u0111\u1ecbnh h\u01b0\u1edbng t\u0103ng tr\u01b0\u1edfng nh\u01b0 SoFi \u0111\u00e3 ch\u1ecbu thi\u1ec7t h\u1ea1i khi kh\u1ea9u v\u1ecb r\u1ee7i ro c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 gi\u1ea3m 17% theo Ch\u1ec9 s\u1ed1 S\u1ee3 h\u00e3i c\u1ee7a Credit Suisse. S\u1ef1 \u0111\u1ea3o ng\u01b0\u1ee3c t\u00e2m l\u00fd n\u00e0y \u0111\u00e3 \u0111\u1ea9y nhanh s\u1ef1 lu\u00e2n chuy\u1ec3n v\u1ed1n t\u1eeb fintech t\u0103ng tr\u01b0\u1edfng cao sang c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u1ecbnh h\u01b0\u1edbng gi\u00e1 tr\u1ecb v\u1edbi l\u1ecbch s\u1eed c\u1ed5 t\u1ee9c \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp v\u00e0 h\u1ed3 s\u01a1 bi\u1ebfn \u0111\u1ed9ng th\u1ea5p h\u01a1n.\n\nM\u1ed1i quan h\u1ec7 gi\u1eefa c\u00e1c ch\u1ec9 s\u1ed1 r\u1ee7i ro v\u00e0 hi\u1ec7u su\u1ea5t c\u1ed5 phi\u1ebfu n\u00e0y t\u1ea1o ra s\u1ef1 b\u1ea5t \u0111\u1ed1i x\u1ee9ng chi\u1ebfn l\u01b0\u1ee3c m\u00e0 c\u00e1c nh\u00e0 giao d\u1ecbch Pocket Option c\u00f3 th\u1ec3 khai th\u00e1c. B\u1eb1ng c\u00e1ch theo d\u00f5i c\u00e1c ch\u1ec9 s\u1ed1 t\u00e2m l\u00fd theo th\u1eddi gian th\u1ef1c v\u00e0 \u0111\u1ecbnh v\u1ecb ph\u00f9 h\u1ee3p, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm s\u1ef1 t\u01b0\u01a1ng ph\u1ea3n c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng c\u00e1c bi\u1ebfn \u0111\u1ed9ng gi\u00e1 do t\u00e2m l\u00fd tr\u01b0\u1edbc khi v\u1ed1n t\u1ed5 ch\u1ee9c \u0111i\u1ec1u ch\u1ec9nh.\n<ul>\n \t<li>D\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng GDP cho Q2 2023 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m t\u1eeb 2,8% xu\u1ed1ng 2,1%, t\u1ea1o ra s\u1ef1 s\u1ee5t gi\u1ea3m 4,3% trong gi\u00e1 c\u1ed5 phi\u1ebfu c\u1ee7a SoFi<\/li>\n \t<li>Ni\u1ec1m tin ti\u00eau d\u00f9ng \u0111\u00e3 gi\u1ea3m xu\u1ed1ng 100,2 t\u1eeb 105,7, v\u1edbi s\u1ef1 y\u1ebfu k\u00e9m c\u1ee5 th\u1ec3 trong k\u1ef3 v\u1ecdng t\u01b0\u01a1ng lai, t\u01b0\u01a1ng quan v\u1edbi s\u1ef1 s\u1ee5t gi\u1ea3m 5,7% c\u1ee7a SoFi<\/li>\n \t<li>B\u00e1o c\u00e1o vi\u1ec7c l\u00e0m g\u1ea7n \u0111\u00e2y nh\u1ea5t cho th\u1ea5y 187.000 v\u1ecb tr\u00ed \u0111\u01b0\u1ee3c th\u00eam v\u00e0o (so v\u1edbi 205.000 d\u1ef1 ki\u1ebfn) \u0111\u00e3 k\u00edch ho\u1ea1t s\u1ef1 b\u00e1n th\u00e1o 3,2% trong ng\u00e0y c\u1ee7a SoFi<\/li>\n \t<li>L\u1ea1m ph\u00e1t PCE c\u1ed1t l\u00f5i \u1edf m\u1ee9c 3,7% v\u01b0\u1ee3t qu\u00e1 m\u1ee9c \u0111\u1ed3ng thu\u1eadn 3,5% \u0111\u00e3 t\u1ea1o ra \u00e1p l\u1ef1c gia t\u0103ng \u0111\u1ed1i v\u1edbi c\u00e1c t\u00ean tu\u1ed5i fintech nh\u1ea1y c\u1ea3m v\u1edbi l\u00e3i su\u1ea5t<\/li>\n<\/ul>\n<h2>C\u00e1c Y\u1ebfu T\u1ed1 C\u1ee5 Th\u1ec3 c\u1ee7a C\u00f4ng Ty \u0110\u1eb1ng Sau S\u1ef1 S\u1ee5t Gi\u1ea3m G\u1ea7n \u0110\u00e2y c\u1ee7a SoFi<\/h2>\nTrong khi c\u00e1c y\u1ebfu t\u1ed1 b\u00ean ngo\u00e0i t\u1ea1o ra b\u1ed1i c\u1ea3nh cho s\u1ef1 y\u1ebfu k\u00e9m c\u1ee7a SoFi, c\u00e1c ph\u00e1t tri\u1ec3n n\u1ed9i b\u1ed9 \u0111\u00f3ng vai tr\u00f2 l\u00e0 ch\u1ea5t x\u00fac t\u00e1c ch\u00ednh x\u00e1c cho s\u1ef1 s\u1ee5t gi\u1ea3m 15,3% \u0111\u01b0\u1ee3c ch\u1ee9ng ki\u1ebfn trong tu\u1ea7n giao d\u1ecbch v\u1eeba qua. Hi\u1ec3u c\u00e1c y\u1ebfu t\u1ed1 c\u1ee5 th\u1ec3 c\u1ee7a c\u00f4ng ty n\u00e0y cung c\u1ea5p b\u1ed1i c\u1ea3nh quan tr\u1ecdng khi ph\u00e2n t\u00edch l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay.\n<h3>Thu Nh\u1eadp H\u00e0ng Qu\u00fd v\u00e0 H\u01b0\u1edbng D\u1eabn Th\u1ea5t V\u1ecdng<\/h3>\nB\u00e1o c\u00e1o h\u00e0ng qu\u00fd g\u1ea7n \u0111\u00e2y nh\u1ea5t c\u1ee7a SoFi \u0111\u00e3 ti\u1ebft l\u1ed9 c\u00e1c t\u00edn hi\u1ec7u h\u1ed7n h\u1ee3p \u0111\u00e3 k\u00edch ho\u1ea1t \u00e1p l\u1ef1c b\u00e1n \u0111\u00e1ng k\u1ec3. M\u1eb7c d\u00f9 c\u00f4ng ty \u0111\u00e3 b\u00e1o c\u00e1o 486.000 th\u00e0nh vi\u00ean m\u1edbi (v\u01b0\u1ee3t qua \u01b0\u1edbc t\u00ednh \u0111\u1ed3ng thu\u1eadn 478.000) v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c qu\u00fd th\u1ee9 ch\u00edn li\u00ean ti\u1ebfp c\u00f3 EBITDA d\u01b0\u01a1ng \u1edf m\u1ee9c 76,5 tri\u1ec7u \u0111\u00f4 la, h\u01b0\u1edbng d\u1eabn tr\u01b0\u1edbc kh\u00f4ng v\u01b0\u1ee3t qua \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng cao \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o \u0111\u1ecbnh gi\u00e1 cao c\u1ea5p c\u1ee7a n\u00f3.\n\n\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch s\u1eed d\u1ee5ng kh\u1ea3 n\u0103ng l\u1eadp bi\u1ec3u \u0111\u1ed3 to\u00e0n di\u1ec7n c\u1ee7a Pocket Option, c\u00e1c s\u1ef1 ki\u1ec7n bi\u1ebfn \u0111\u1ed9ng do thu nh\u1eadp n\u00e0y t\u1ea1o ra c\u00e1c thi\u1ebft l\u1eadp giao d\u1ecbch x\u00e1c su\u1ea5t cao. Kho\u1ea3ng c\u00e1ch c\u1ee5 th\u1ec3 gi\u1eefa k\u1ef3 v\u1ecdng \u0111\u1ed3ng thu\u1eadn v\u00e0 c\u00e1c ch\u1ec9 s\u1ed1 \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o gi\u1ea3i th\u00edch 47% h\u00e0nh \u0111\u1ed9ng gi\u00e1 g\u1ea7n \u0111\u00e2y c\u1ee7a SoFi, theo ph\u00e2n t\u00edch h\u1ed3i quy v\u1ec1 hi\u1ec7u su\u1ea5t sau thu nh\u1eadp.\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 S\u1ed1 Thu Nh\u1eadp<\/th>\n<th>Th\u1ef1c T\u1ebf so v\u1edbi \u0110\u1ed3ng Thu\u1eadn<\/th>\n<th>H\u1ec7 S\u1ed1 T\u00e1c \u0110\u1ed9ng Th\u1ecb Tr\u01b0\u1eddng<\/th>\n<th>S\u1ee9c M\u1ea1nh Ch\u1ec9 B\u00e1o Ti\u1ebfn V\u1ec1<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u0103ng Tr\u01b0\u1edfng Th\u00e0nh Vi\u00ean<\/td>\n<td>+486K so v\u1edbi +478K d\u1ef1 ki\u1ebfn (+1,7%)<\/td>\n<td>T\u00edch c\u1ef1c v\u1eeba ph\u1ea3i<\/td>\n<td>Ch\u1ec9 b\u00e1o d\u1eabn \u0111\u1ea7u m\u1ea1nh m\u1ebd<\/td>\n<\/tr>\n<tr>\n<td>Doanh Thu<\/td>\n<td>498,2 tri\u1ec7u \u0111\u00f4 la so v\u1edbi 512,7 tri\u1ec7u \u0111\u00f4 la d\u1ef1 ki\u1ebfn (-2,8%)<\/td>\n<td>Ti\u00eau c\u1ef1c \u0111\u00e1ng k\u1ec3<\/td>\n<td>Gi\u00e1 tr\u1ecb d\u1ef1 \u0111o\u00e1n cao<\/td>\n<\/tr>\n<tr>\n<td>EBITDA \u0110i\u1ec1u Ch\u1ec9nh<\/td>\n<td>76,5 tri\u1ec7u \u0111\u00f4 la so v\u1edbi 74,3 tri\u1ec7u \u0111\u00f4 la d\u1ef1 ki\u1ebfn (+3,0%)<\/td>\n<td>T\u00edch c\u1ef1c nh\u1eb9<\/td>\n<td>\u0110\u1ed9 tin c\u1eady v\u1eeba ph\u1ea3i<\/td>\n<\/tr>\n<tr>\n<td>H\u01b0\u1edbng D\u1eabn FY2023<\/td>\n<td>2,00 t\u1ef7 \u0111\u00f4 la - 2,05 t\u1ef7 \u0111\u00f4 la so v\u1edbi \u0111\u1ed3ng thu\u1eadn 2,08 t\u1ef7 \u0111\u00f4 la (-1,7%)<\/td>\n<td>Ti\u00eau c\u1ef1c r\u1ea5t m\u1ea1nh<\/td>\n<td>Y\u1ebfu t\u1ed1 c\u1ea3m x\u00fac quan tr\u1ecdng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\nC\u00e1c ch\u1ec9 s\u1ed1 ho\u1ea1t \u0111\u1ed9ng c\u1ee5 th\u1ec3 g\u00e2y lo ng\u1ea1i nh\u1ea5t bao g\u1ed3m chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng t\u0103ng 12,3% l\u00ean 284 \u0111\u00f4 la cho m\u1ed7i th\u00e0nh vi\u00ean m\u1edbi, s\u1ef1 gi\u1ea3m t\u1ed1c trong t\u0103ng tr\u01b0\u1edfng t\u00e0i kho\u1ea3n n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 Galileo xu\u1ed1ng 17,4% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc v\u00e0 bi\u00ean l\u00e3i su\u1ea5t r\u00f2ng b\u1ecb n\u00e9n trong ph\u00e2n kh\u00fac cho vay do m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t hi\u1ec7n t\u1ea1i.\n<h2>B\u1ed1i C\u1ea3nh C\u1ea1nh Tranh v\u00e0 Th\u00e1ch Th\u1ee9c Th\u1ecb Ph\u1ea7n<\/h2>\nM\u1ed9t y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh kh\u00e1c gi\u1ea3i th\u00edch l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay li\u00ean quan \u0111\u1ebfn \u0111\u1ed9ng l\u1ef1c c\u1ea1nh tranh ng\u00e0y c\u00e0ng gia t\u0103ng tr\u00ean to\u00e0n h\u1ec7 sinh th\u00e1i fintech. SoFi hi\u1ec7n c\u1ea1nh tranh v\u1edbi 37 ng\u00e2n h\u00e0ng th\u00e1ch th\u1ee9c tr\u1ef1c ti\u1ebfp v\u00e0 ng\u00e2n h\u00e0ng s\u1ed1 ch\u1ec9 ri\u00eang tr\u00ean th\u1ecb tr\u01b0\u1eddng M\u1ef9, t\u0103ng t\u1eeb 29 ch\u1ec9 m\u01b0\u1eddi t\u00e1m th\u00e1ng tr\u01b0\u1edbc. M\u1eadt \u0111\u1ed9 c\u1ea1nh tranh n\u00e0y \u0111\u00e3 l\u00e0m t\u0103ng chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng l\u00ean 23,4% tr\u00ean to\u00e0n ng\u00e0nh trong khi k\u00e9o d\u00e0i th\u1eddi gian ho\u00e0n v\u1ed1n.\n\nQu\u1ef9 \u0111\u1ea1o th\u1ecb ph\u1ea7n c\u1ee7a c\u00f4ng ty thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 tr\u00ean c\u00e1c \u0111\u01a1n v\u1ecb kinh doanh c\u1ee7a m\u00ecnh, t\u1ea1o ra c\u1ea3 th\u00e1ch th\u1ee9c ph\u00f2ng th\u1ee7 v\u00e0 c\u01a1 h\u1ed9i t\u1ea5n c\u00f4ng. Ph\u00e2n t\u00edch v\u1ecb th\u1ebf c\u1ea1nh tranh c\u1ee7a SoFi cung c\u1ea5p b\u1ed1i c\u1ea3nh thi\u1ebft y\u1ebfu \u0111\u1ec3 hi\u1ec3u c\u00e1c m\u00f4 h\u00ecnh chuy\u1ec3n \u0111\u1ed9ng c\u1ed5 phi\u1ebfu c\u1ee7a n\u00f3, c\u00f3 th\u1ec3 th\u00f4ng b\u00e1o c\u00e1c chi\u1ebfn l\u01b0\u1ee3c giao d\u1ecbch tinh vi tr\u00ean n\u1ec1n t\u1ea3ng ph\u00e2n t\u00edch \u0111a khung th\u1eddi gian c\u1ee7a Pocket Option.\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Danh M\u1ee5c \u0110\u1ed1i Th\u1ee7 C\u1ea1nh Tranh<\/th>\n<th>\u0110\u1ed9ng L\u1ef1c Th\u1ecb Ph\u1ea7n<\/th>\n<th>V\u1ecb Th\u1ebf C\u1ea1nh Tranh c\u1ee7a SoFi<\/th>\n<th>Xu H\u01b0\u1edbng 12 Th\u00e1ng<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Ng\u00e2n H\u00e0ng Truy\u1ec1n Th\u1ed1ng<\/td>\n<td>JPMorgan +2,3% th\u1ecb ph\u1ea7n k\u1ef9 thu\u1eadt s\u1ed1<\/td>\n<td>L\u1ee3i th\u1ebf UX k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean<\/td>\n<td>D\u1ea7n d\u1ea7n gi\u00e0nh \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb cao<\/td>\n<\/tr>\n<tr>\n<td>Ng\u00e2n H\u00e0ng S\u1ed1\/Ng\u00e2n H\u00e0ng K\u1ef9 Thu\u1eadt S\u1ed1<\/td>\n<td>Chime +4,7% t\u0103ng tr\u01b0\u1edfng th\u1ecb ph\u1ea7n<\/td>\n<td>L\u1ee3i th\u1ebf quy \u0111\u1ecbnh v\u1edbi gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng<\/td>\n<td>\u0110\u1ed1i m\u1eb7t v\u1edbi c\u1ea1nh tranh ti\u1ec1n g\u1eedi d\u1eef d\u1ed9i<\/td>\n<\/tr>\n<tr>\n<td>Ng\u01b0\u1eddi Cho Vay Chuy\u00ean Bi\u1ec7t<\/td>\n<td>Upstart -3,2% th\u1ecb ph\u1ea7n<\/td>\n<td>Kh\u1ea3 n\u0103ng b\u00e1n ch\u00e9o v\u01b0\u1ee3t tr\u1ed9i<\/td>\n<td>Gi\u00e0nh th\u1ecb ph\u1ea7n trong c\u00e1c kho\u1ea3n vay c\u00e1 nh\u00e2n<\/td>\n<\/tr>\n<tr>\n<td>N\u1ec1n T\u1ea3ng \u0110\u1ea7u T\u01b0<\/td>\n<td>Robinhood +5,1% t\u0103ng tr\u01b0\u1edfng t\u00e0i kho\u1ea3n<\/td>\n<td>T\u00ednh n\u0103ng giao d\u1ecbch h\u1ea1n ch\u1ebf so v\u1edbi c\u00e1c chuy\u00ean gia<\/td>\n<td>\u0110\u1ea5u tranh \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i kh\u00e1ch h\u00e0ng ng\u00e2n h\u00e0ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\nNghi\u00ean c\u1ee9u c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch g\u1ea7n \u0111\u00e2y cho th\u1ea5y c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111ang \u0111\u00e1nh gi\u00e1 l\u1ea1i kh\u1ea3 n\u0103ng duy tr\u00ec b\u1ed9i s\u1ed1 \u0111\u1ecbnh gi\u00e1 cao c\u1ea5p c\u1ee7a SoFi (5,7x doanh thu d\u1ef1 ki\u1ebfn so v\u1edbi trung b\u00ecnh fintech l\u00e0 3,8x) trong b\u1ed1i c\u1ea3nh s\u1ef1 x\u00e2m nh\u1eadp c\u1ea1nh tranh m\u1ea1nh m\u1ebd. S\u1ef1 lo l\u1eafng c\u1ea1nh tranh n\u00e0y \u0111\u00e3 \u0111\u00f3ng g\u00f3p kho\u1ea3ng 27% s\u1ef1 s\u1ee5t gi\u1ea3m g\u1ea7n \u0111\u00e2y c\u1ee7a c\u1ed5 phi\u1ebfu, d\u1ef1a tr\u00ean ph\u00e2n t\u00edch h\u1ed3i quy \u0111a bi\u1ebfn.\n<ul>\n \t<li>C\u00e1c ch\u1ec9 s\u1ed1 ph\u00e2n bi\u1ec7t s\u1ea3n ph\u1ea9m cho th\u1ea5y \u0111i\u1ec3m s\u1ed1 t\u00ednh n\u0103ng \u0111\u1ed9c \u0111\u00e1o c\u1ee7a SoFi \u0111\u00e3 gi\u1ea3m t\u1eeb 73% xu\u1ed1ng 61% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc khi c\u00e1c \u0111\u1ed1i th\u1ee7 nhanh ch\u00f3ng sao ch\u00e9p c\u00e1c \u0111\u1ed5i m\u1edbi<\/li>\n \t<li>Chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng \u0111\u00e3 t\u0103ng l\u00ean 284 \u0111\u00f4 la cho m\u1ed7i th\u00e0nh vi\u00ean m\u1edbi, t\u0103ng 12,3% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc do c\u01b0\u1eddng \u0111\u1ed9 ti\u1ebfp th\u1ecb c\u1ea1nh tranh tr\u1ef1c ti\u1ebfp<\/li>\n \t<li>S\u1ef1 n\u00e9n bi\u00ean l\u00e3i su\u1ea5t r\u00f2ng 40 \u0111i\u1ec3m c\u01a1 b\u1ea3n ph\u1ea3n \u00e1nh s\u1ef1 c\u1ea1nh tranh v\u1ec1 gi\u00e1 cho ti\u1ec1n g\u1eedi v\u00e0 kho\u1ea3n vay tr\u00ean to\u00e0n c\u1ea3nh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh<\/li>\n \t<li>T\u0103ng tr\u01b0\u1edfng c\u1ea5p ph\u00e9p API v\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u00e3 gi\u1ea3m t\u1ed1c xu\u1ed1ng 17,4% khi c\u00e1c nh\u00e0 cung c\u1ea5p c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng c\u1ea1nh tranh ph\u00e2n m\u1ea3nh th\u1ecb tr\u01b0\u1eddng<\/li>\n<\/ul>\n<h2>Ph\u00e2n T\u00edch K\u1ef9 Thu\u1eadt: M\u1eabu Bi\u1ec3u \u0110\u1ed3 Ch\u00ednh X\u00e1c v\u00e0 T\u00edn Hi\u1ec7u Giao D\u1ecbch<\/h2>\n\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1eed d\u1ee5ng b\u1ed9 ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt n\u00e2ng cao c\u1ee7a Pocket Option, bi\u1ec3u \u0111\u1ed3 gi\u00e1 c\u1ee7a SoFi ti\u1ebft l\u1ed9 c\u00e1c m\u1eabu c\u1ee5 th\u1ec3 gi\u1ea3i th\u00edch l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay. C\u1ed5 phi\u1ebfu \u0111\u00e3 ph\u00e1 v\u1ee1 ba m\u1ee9c h\u1ed7 tr\u1ee3 ch\u00ednh trong 14 phi\u00ean giao d\u1ecbch v\u1eeba qua, t\u1ea1o ra hi\u1ec7u \u1ee9ng th\u00e1c n\u01b0\u1edbc gi\u1ea3m gi\u00e1 m\u00e0 c\u00e1c nh\u00e0 ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt \u0111\u00e3 \u0111\u00e1nh d\u1ea5u l\u00e0 m\u1ed9t k\u1ecbch b\u1ea3n x\u00e1c su\u1ea5t cao.\n\nH\u00e0nh \u0111\u1ed9ng gi\u00e1 g\u1ea7n \u0111\u00e2y c\u1ee7a SoFi \u0111\u00e3 thi\u1ebft l\u1eadp m\u1ed9t k\u00eanh gi\u1ea3m d\u1ea7n c\u1ed5 \u0111i\u1ec3n v\u1edbi c\u00e1c m\u1ee5c ti\u00eau gi\u00e1 \u0111o l\u01b0\u1eddng ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3 l\u1ecbch s\u1eed. C\u00e1c y\u1ebfu t\u1ed1 k\u1ef9 thu\u1eadt n\u00e0y t\u1ea1o ra c\u00e1c c\u01a1 h\u1ed9i v\u00e0o v\u00e0 ra c\u00f3 th\u1ec3 nh\u1eadn d\u1ea1ng v\u1edbi c\u00e1c th\u00f4ng s\u1ed1 r\u1ee7i ro \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh cho c\u1ea3 c\u00e1c nh\u00e0 giao d\u1ecbch theo h\u01b0\u1edbng v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c bi\u1ebfn \u0111\u1ed9ng.\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 B\u00e1o K\u1ef9 Thu\u1eadt<\/th>\n<th>\u0110\u1ecdc Hi\u1ec7n T\u1ea1i<\/th>\n<th>H\u00e0m \u00dd T\u00edn Hi\u1ec7u<\/th>\n<th>\u0110\u1ed9 Ch\u00ednh X\u00e1c \u0110\u00e3 Ki\u1ec3m Tra L\u1ea1i<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>RSI 14 ng\u00e0y<\/td>\n<td>32,7 (\u0111ang ti\u1ebfn g\u1ea7n \u0111\u1ebfn qu\u00e1 b\u00e1n)<\/td>\n<td>Kh\u1ea3 n\u0103ng b\u1eadt l\u1ea1i \u1edf m\u1ee9c 30<\/td>\n<td>83% \u0111\u00e1ng tin c\u1eady trong c\u00e1c b\u1ed1i c\u1ea3nh t\u01b0\u01a1ng t\u1ef1<\/td>\n<\/tr>\n<tr>\n<td>MACD (12,26,9)<\/td>\n<td>-0,37 v\u1edbi s\u1ef1 ph\u00e2n k\u1ef3 m\u1edf r\u1ed9ng<\/td>\n<td>X\u00e1c nh\u1eadn \u0111\u1ed9ng l\u01b0\u1ee3ng gi\u1ea3m gi\u00e1<\/td>\n<td>78% d\u1ef1 \u0111o\u00e1n trong kho\u1ea3ng th\u1eddi gian 10 ng\u00e0y<\/td>\n<\/tr>\n<tr>\n<td>\u0110\u01b0\u1eddng Trung B\u00ecnh \u0110\u1ed9ng 50\/200 Ng\u00e0y<\/td>\n<td>H\u00ecnh th\u00e0nh giao c\u1eaft t\u1eed th\u1ea7n (50D d\u01b0\u1edbi 200D)<\/td>\n<td>X\u00e1c nh\u1eadn xu h\u01b0\u1edbng gi\u1ea3m gi\u00e1 d\u00e0i h\u1ea1n<\/td>\n<td>71% ch\u00ednh x\u00e1c cho h\u01b0\u1edbng 3 th\u00e1ng<\/td>\n<\/tr>\n<tr>\n<td>H\u1ed3 S\u01a1 Kh\u1ed1i L\u01b0\u1ee3ng<\/td>\n<td>1,7x kh\u1ed1i l\u01b0\u1ee3ng trung b\u00ecnh khi ph\u00e1 v\u1ee1<\/td>\n<td>B\u00e1n h\u00e0ng v\u1edbi s\u1ef1 thuy\u1ebft ph\u1ee5c m\u1ea1nh m\u1ebd<\/td>\n<td>88% x\u00e1c su\u1ea5t ti\u1ebfp t\u1ee5c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\nC\u00e1c m\u1ee9c h\u1ed7 tr\u1ee3 v\u00e0 kh\u00e1ng c\u1ef1 quan tr\u1ecdng \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp ch\u00ednh x\u00e1c th\u00f4ng qua ho\u1ea1t \u0111\u1ed9ng giao d\u1ecbch tr\u01b0\u1edbc \u0111\u00f3 v\u00e0 ph\u00e2n t\u00edch h\u1ed3 s\u01a1 kh\u1ed1i l\u01b0\u1ee3ng. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch Pocket Option t\u1eadp trung v\u00e0o SoFi, c\u00e1c m\u1ee9c k\u1ef9 thu\u1eadt n\u00e0y cung c\u1ea5p c\u00e1c th\u00f4ng s\u1ed1 v\u00e0o v\u00e0 ra ch\u00ednh x\u00e1c v\u1edbi h\u1ed3 s\u01a1 r\u1ee7i ro-l\u1ee3i nhu\u1eadn \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh.\n<ul>\n \t<li>V\u00f9ng h\u1ed7 tr\u1ee3 $7,58 (\u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m tra ba l\u1ea7n tr\u01b0\u1edbc \u0111\u00f3) \u0111\u00e3 b\u1ecb ph\u00e1 v\u1ee1 d\u1ee9t kho\u00e1t v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng trung b\u00ecnh 1,8x, hi\u1ec7n \u0111ang \u0111\u00f3ng vai tr\u00f2 l\u00e0 kh\u00e1ng c\u1ef1<\/li>\n \t<li>VWAP trong ng\u00e0y \u1edf m\u1ee9c $6,82 \u0111\u00f3ng vai tr\u00f2 l\u00e0 m\u1ee9c quan tr\u1ecdng, v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch thu\u1eadt to\u00e1n t\u1eadp trung c\u00e1c l\u1ec7nh xung quanh \u0111i\u1ec3m tham chi\u1ebfu \u0111\u1ed9ng n\u00e0y<\/li>\n \t<li>M\u1ee9c tho\u00e1i lui Fibonacci 61,8% \u1edf m\u1ee9c $6,37 ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi ph\u1ea1m vi h\u1ee3p nh\u1ea5t th\u00e1ng 12 n\u0103m 2022, t\u1ea1o ra v\u00f9ng m\u1ee5c ti\u00eau x\u00e1c su\u1ea5t cao<\/li>\n \t<li>\u0110\u01b0\u1eddng xu h\u01b0\u1edbng gi\u1ea3m t\u1eeb m\u1ee9c cao th\u00e1ng 4 \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m tra v\u00e0 t\u1eeb ch\u1ed1i b\u1ed1n l\u1ea7n, x\u00e1c nh\u1eadn xu h\u01b0\u1edbng gi\u1ea3m gi\u00e1 hi\u1ec7n t\u1ea1i<\/li>\n<\/ul>\n<h2>\u0110\u1ecbnh V\u1ecb T\u1ed5 Ch\u1ee9c v\u00e0 S\u1ef1 Thay \u0110\u1ed5i T\u00e2m L\u00fd c\u1ee7a Nh\u00e0 Ph\u00e2n T\u00edch<\/h2>\nC\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c v\u00e0 c\u00e1c nh\u00e0 ph\u00e2n t\u00edch chuy\u00ean nghi\u1ec7p \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn \u0111\u1ed9ng l\u1ef1c gi\u00e1 c\u1ee7a SoFi th\u00f4ng qua v\u1ecb th\u1ebf c\u1ee7a h\u1ecd v\u00e0 b\u00ecnh lu\u1eadn c\u00f4ng khai. Hi\u1ec3u c\u00e1c d\u00f2ng v\u1ed1n chuy\u00ean nghi\u1ec7p n\u00e0y cung c\u1ea5p th\u00f4ng tin chi ti\u1ebft quan tr\u1ecdng khi \u0111i\u1ec1u tra l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay.\n\nC\u00e1c h\u1ed3 s\u01a1 SEC g\u1ea7n \u0111\u00e2y ti\u1ebft l\u1ed9 nh\u1eefng thay \u0111\u1ed5i quan tr\u1ecdng trong m\u00f4 h\u00ecnh s\u1edf h\u1eefu t\u1ed5 ch\u1ee9c, v\u1edbi s\u1ef1 gi\u1ea3m r\u00f2ng 14,7 tri\u1ec7u c\u1ed5 phi\u1ebfu (~1,6% c\u1ee7a l\u01b0\u1ee3ng c\u1ed5 phi\u1ebfu l\u01b0u h\u00e0nh) trong s\u1ed1 c\u00e1c qu\u1ef9 qu\u1ea3n l\u00fd tr\u00ean 1 t\u1ef7 \u0111\u00f4 la t\u00e0i s\u1ea3n. \u0110\u1ed3ng th\u1eddi, t\u00e2m l\u00fd c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch \u0111\u00e3 x\u1ea5u \u0111i, v\u1edbi m\u1ee5c ti\u00eau gi\u00e1 \u0111\u1ed3ng thu\u1eadn gi\u1ea3m t\u1eeb 11,25 \u0111\u00f4 la xu\u1ed1ng 9,70 \u0111\u00f4 la trong t\u00e1m tu\u1ea7n, \u0111\u1ea1i di\u1ec7n cho s\u1ef1 gi\u1ea3m 13,8% trong k\u1ef3 v\u1ecdng \u0111\u1ecbnh gi\u00e1 t\u01b0\u01a1ng lai.\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Ho\u1ea1t \u0110\u1ed9ng T\u1ed5 Ch\u1ee9c<\/th>\n<th>Thay \u0110\u1ed5i V\u1ecb Th\u1ebf C\u1ee5 Th\u1ec3<\/th>\n<th>T\u00e1c \u0110\u1ed9ng Kh\u1ed1i L\u01b0\u1ee3ng<\/th>\n<th>H\u1ec7 S\u1ed1 \u1ea2nh H\u01b0\u1edfng Gi\u00e1<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0110\u1ecbnh V\u1ecb Qu\u1ef9 \u0110\u1ea7u C\u01a1<\/td>\n<td>Gi\u1ea3m r\u00f2ng 8,3 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td>\n<td>2,7x kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trung b\u00ecnh h\u00e0ng ng\u00e0y<\/td>\n<td>Ch\u1ea5t x\u00fac t\u00e1c ch\u00ednh cho s\u1ef1 gi\u1ea3m gi\u00e1<\/td>\n<\/tr>\n<tr>\n<td>Inclusion\/Weighting ETF<\/td>\n<td>Tr\u1ecdng s\u1ed1 Russell 2000 -0,04%<\/td>\n<td>1,2x kh\u1ed1i l\u01b0\u1ee3ng t\u00e1i c\u00e2n b\u1eb1ng b\u00ecnh th\u01b0\u1eddng<\/td>\n<td>Y\u1ebfu t\u1ed1 \u00e1p l\u1ef1c th\u1ee9 c\u1ea5p<\/td>\n<\/tr>\n<tr>\n<td>Ph\u00e2n B\u1ed5 Qu\u1ef9 T\u01b0\u01a1ng H\u1ed7<\/td>\n<td>-3,2 tri\u1ec7u c\u1ed5 phi\u1ebfu t\u1eeb c\u00e1c qu\u1ef9 t\u0103ng tr\u01b0\u1edfng<\/td>\n<td>Ph\u00e2n ph\u1ed1i trong c\u1eeda s\u1ed5 h\u00e0ng qu\u00fd<\/td>\n<td>\u00c1p l\u1ef1c duy tr\u00ec v\u1eeba ph\u1ea3i<\/td>\n<\/tr>\n<tr>\n<td>Giao D\u1ecbch N\u1ed9i B\u1ed9<\/td>\n<td>CEO \u0111\u00e3 mua 11.000 c\u1ed5 phi\u1ebfu \u1edf m\u1ee9c 6,72 \u0111\u00f4 la<\/td>\n<td>Mang t\u00ednh bi\u1ec3u t\u01b0\u1ee3ng h\u01a1n l\u00e0 v\u1eadt ch\u1ea5t<\/td>\n<td>T\u00edch c\u1ef1c nh\u1eb9 nh\u01b0ng b\u1ecb \u00e1p \u0111\u1ea3o<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\nPh\u1ee7 s\u00f3ng c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch \u0111\u00e3 chuy\u1ec3n sang xu h\u01b0\u1edbng gi\u1ea3m \u0111\u00e1ng k\u1ec3, v\u1edbi ba l\u1ea7n h\u1ea1 c\u1ea5p trong 30 ng\u00e0y qua. X\u1ebfp h\u1ea1ng \u0111\u1ed3ng thu\u1eadn \u0111\u00e3 chuy\u1ec3n t\u1eeb \"Mua v\u1eeba ph\u1ea3i\" (\u0111i\u1ec3m 2,2) sang \"Gi\u1eef\" (\u0111i\u1ec3m 2,7) khi nhi\u1ec1u c\u00f4ng ty \u0111\u00e3 gi\u1ea3m k\u1ef3 v\u1ecdng t\u0103ng tr\u01b0\u1edfng c\u1ee7a h\u1ecd cho c\u00e1c n\u0103m t\u00e0i ch\u00ednh 2023-2024. S\u1ef1 \u0111i\u1ec1u ch\u1ec9nh t\u00e2m l\u00fd chuy\u00ean nghi\u1ec7p n\u00e0y c\u00f3 \u00fd ngh\u0129a s\u00e2u s\u1eafc \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 b\u00e1n l\u1ebb v\u00e0 c\u00e1c nh\u00e0 giao d\u1ecbch s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch c\u1ea5p t\u1ed5 ch\u1ee9c c\u1ee7a Pocket Option.\n<ul>\n \t<li>S\u1ef1 ph\u00e2n t\u00e1n m\u1ee5c ti\u00eau gi\u00e1 \u0111\u00e3 m\u1edf r\u1ed9ng t\u1eeb 4,70 \u0111\u00f4 la \u0111\u1ebfn 7,50 \u0111\u00f4 la, v\u1edbi \u0111\u1ed9 l\u1ec7ch chu\u1ea9n t\u0103ng 42% so v\u1edbi qu\u00fd tr\u01b0\u1edbc, b\u00e1o hi\u1ec7u s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn gia t\u0103ng<\/li>\n \t<li>\u01af\u1edbc t\u00ednh EPS \u0111\u1ed3ng thu\u1eadn cho FY2023 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m 17,3% sau h\u01b0\u1edbng d\u1eabn g\u1ea7n \u0111\u00e2y v\u00e0 ph\u00e2n t\u00edch c\u1ea1nh tranh<\/li>\n \t<li>B\u00ecnh lu\u1eadn c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch ng\u00e0y c\u00e0ng nh\u1ea5n m\u1ea1nh r\u1ee7i ro th\u1ef1c hi\u1ec7n v\u00e0 c\u00e1c m\u1ed1i \u0111e d\u1ecda c\u1ea1nh tranh h\u01a1n l\u00e0 ti\u1ec1m n\u0103ng \u0111\u1ed9t ph\u00e1 v\u00e0 m\u1edf r\u1ed9ng TAM<\/li>\n \t<li>L\u00e3i su\u1ea5t ng\u1eafn h\u1ea1n \u0111\u00e3 t\u0103ng l\u00ean 14,3% c\u1ee7a l\u01b0\u1ee3ng c\u1ed5 phi\u1ebfu l\u01b0u h\u00e0nh t\u1eeb 11,8% s\u00e1u m\u01b0\u01a1i ng\u00e0y tr\u01b0\u1edbc, cho th\u1ea5y s\u1ef1 ho\u00e0i nghi chuy\u00ean nghi\u1ec7p ng\u00e0y c\u00e0ng t\u0103ng<\/li>\n<\/ul>\n<h2>Chi\u1ebfn L\u01b0\u1ee3c Giao D\u1ecbch cho M\u00f4i Tr\u01b0\u1eddng Th\u1ecb Tr\u01b0\u1eddng Hi\u1ec7n T\u1ea1i c\u1ee7a SoFi<\/h2>\n\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch t\u00edch c\u1ef1c s\u1eed d\u1ee5ng b\u1ed9 c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch to\u00e0n di\u1ec7n c\u1ee7a Pocket Option, \u0111\u1ed9ng l\u1ef1c th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i c\u1ee7a SoFi t\u1ea1o ra c\u00e1c c\u01a1 h\u1ed9i c\u1ee5 th\u1ec3 tr\u00ean nhi\u1ec1u khung th\u1eddi gian. Hi\u1ec3u ch\u00ednh x\u00e1c l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay cho ph\u00e9p th\u1ef1c hi\u1ec7n c\u00e1c ph\u01b0\u01a1ng ph\u00e1p giao d\u1ecbch d\u1ef1a tr\u00ean d\u1eef li\u1ec7u v\u1edbi c\u00e1c th\u00f4ng s\u1ed1 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh.\n\nC\u00e1c chi\u1ebfn l\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 ph\u1ea3i t\u00ednh \u0111\u1ebfn s\u1ef1 bi\u1ebfn \u0111\u1ed9ng h\u00e0ng n\u0103m 58,7% c\u1ee7a SoFi (so v\u1edbi m\u1ee9c trung b\u00ecnh c\u1ee7a ng\u00e0nh fintech l\u00e0 41,2%), v\u1ecb tr\u00ed k\u1ef9 thu\u1eadt t\u1ea1i c\u00e1c m\u1ee9c h\u1ed7 tr\u1ee3 ch\u00ednh v\u00e0 s\u1ef1 t\u01b0\u01a1ng t\u00e1c gi\u1eefa c\u00e1c ch\u1ea5t x\u00fac t\u00e1c c\u01a1 b\u1ea3n v\u00e0 h\u00e0nh \u0111\u1ed9ng gi\u00e1. C\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn kh\u00e1c nhau c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c hi\u1ec7u ch\u1ec9nh theo c\u00e1c m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro c\u1ee5 th\u1ec3 v\u00e0 tri\u1ec3n v\u1ecdng th\u1ecb tr\u01b0\u1eddng.\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Ph\u01b0\u01a1ng Ph\u00e1p Chi\u1ebfn L\u01b0\u1ee3c<\/th>\n<th>Tham S\u1ed1 Th\u1ef1c Hi\u1ec7n<\/th>\n<th>H\u1ed3 S\u01a1 R\u1ee7i Ro-L\u1ee3i Nhu\u1eadn<\/th>\n<th>\u0110i\u1ec1u Ki\u1ec7n Th\u1ecb Tr\u01b0\u1eddng T\u1ed1i \u01afu<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>RSI D\u1ef1a Tr\u00ean Ph\u1ee5c H\u1ed3i Trung B\u00ecnh<\/td>\n<td>V\u00e0o l\u1ec7nh d\u00e0i khi RSI &lt;30, tho\u00e1t khi RSI &gt;45<\/td>\n<td>T\u1ef7 l\u1ec7 R trung b\u00ecnh 1:1,7<\/td>\n<td>Ho\u1ea1t \u0111\u1ed9ng trong 83% \u0111i\u1ec1u ki\u1ec7n qu\u00e1 b\u00e1n<\/td>\n<\/tr>\n<tr>\n<td>Ti\u1ebfp T\u1ee5c Ph\u00e1 V\u1ee1<\/td>\n<td>B\u00e1n kh\u1ed1ng d\u01b0\u1edbi $6,82 v\u1edbi m\u1ee5c ti\u00eau $6,37<\/td>\n<td>T\u1ef7 l\u1ec7 R trung b\u00ecnh 1:2,1<\/td>\n<td>Hi\u1ec7u qu\u1ea3 trong qu\u00e1 tr\u00ecnh ph\u00e2n ph\u1ed1i b\u1ec1n v\u1eefng<\/td>\n<\/tr>\n<tr>\n<td>Ch\u01a1i Co H\u1eb9p Bi\u1ebfn \u0110\u1ed9ng<\/td>\n<td>V\u00e0o l\u1ec7nh khi \u0111\u1ed9 r\u1ed9ng BB &lt;1,2 ph\u1ea1m vi ti\u00eau chu\u1ea9n<\/td>\n<td>T\u1ef7 l\u1ec7 R trung b\u00ecnh 1:1,4<\/td>\n<td>B\u00e1o tr\u01b0\u1edbc c\u00e1c \u0111\u1ed9ng th\u00e1i \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u00e1ng k\u1ec3<\/td>\n<\/tr>\n<tr>\n<td>\u0110\u1ecbnh V\u1ecb Ch\u1ea5t X\u00fac T\u00e1c Thu Nh\u1eadp<\/td>\n<td>V\u00e0o l\u1ec7nh 3-5 ng\u00e0y tr\u01b0\u1edbc thu nh\u1eadp, tho\u00e1t khi c\u00f4ng b\u1ed1<\/td>\n<td>Bi\u1ebfn \u0111\u1ed5i (1:0,8 \u0111\u1ebfn 1:2,5)<\/td>\n<td>Y\u00eau c\u1ea7u ph\u00e2n t\u00edch t\u00e2m l\u00fd<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\nKhi th\u1ef1c hi\u1ec7n c\u00e1c chi\u1ebfn l\u01b0\u1ee3c n\u00e0y th\u00f4ng qua n\u1ec1n t\u1ea3ng th\u1ef1c thi n\u00e2ng cao c\u1ee7a Pocket Option, vi\u1ec7c \u0111\u1ecbnh c\u1ee1 v\u1ecb tr\u00ed ch\u00ednh x\u00e1c tr\u1edf n\u00ean quan tr\u1ecdng. Ph\u00e2n b\u1ed5 t\u1ed1i \u01b0u dao \u0111\u1ed9ng t\u1eeb 2-5% v\u1ed1n danh m\u1ee5c \u0111\u1ea7u t\u01b0 cho m\u1ed7i giao d\u1ecbch d\u1ef1a tr\u00ean c\u00e1c ch\u1ec9 s\u1ed1 bi\u1ebfn \u0111\u1ed9ng c\u1ee5 th\u1ec3 c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c v\u00e0 v\u1ecb tr\u00ed d\u1eebng. C\u00e1c lo\u1ea1i l\u1ec7nh c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u00e0 c\u00f4ng c\u1ee5 qu\u1ea3n l\u00fd r\u1ee7i ro c\u1ee7a n\u1ec1n t\u1ea3ng cho ph\u00e9p th\u1ef1c hi\u1ec7n tinh vi c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn n\u00e0y m\u00e0 kh\u00f4ng c\u1ea7n gi\u00e1m s\u00e1t li\u00ean t\u1ee5c.\n<h2>Nh\u00ecn Xa H\u01a1n H\u00f4m Nay: Ch\u1ea5t X\u00fac T\u00e1c Chi\u1ebfn L\u01b0\u1ee3c cho T\u01b0\u01a1ng Lai c\u1ee7a SoFi<\/h2>\nTrong khi hi\u1ec3u l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay cung c\u1ea5p b\u1ed1i c\u1ea3nh chi\u1ebfn thu\u1eadt ngay l\u1eadp t\u1ee9c, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 h\u01b0\u1edbng t\u1edbi t\u01b0\u01a1ng lai ph\u1ea3i x\u00e1c \u0111\u1ecbnh c\u00e1c ch\u1ea5t x\u00fac t\u00e1c c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 \u0111\u1ea3o ng\u01b0\u1ee3c ho\u1eb7c t\u0103ng t\u1ed1c xu h\u01b0\u1edbng gi\u00e1 hi\u1ec7n t\u1ea1i. M\u1ed9t s\u1ed1 s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh ch\u00ednh x\u00e1c \u0111\u1ea3m b\u1ea3o gi\u00e1m s\u00e1t ch\u1ee7 \u0111\u1ed9ng.\n\nQu\u1ef9 \u0111\u1ea1o t\u01b0\u01a1ng lai c\u1ee7a SoFi ph\u1ee5 thu\u1ed9c \u0111\u00e1ng k\u1ec3 v\u00e0o c\u00e1c ch\u1ec9 s\u1ed1 th\u1ef1c hi\u1ec7n \u0111\u1ecbnh l\u01b0\u1ee3ng v\u00e0 c\u00e1c ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng c\u1ee5 th\u1ec3. X\u00e1c \u0111\u1ecbnh c\u00e1c \u0111i\u1ec3m u\u1ed1n ti\u1ec1m n\u0103ng n\u00e0y gi\u00fap c\u00e1c nh\u00e0 giao d\u1ecbch s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 d\u1ef1 b\u00e1o n\u00e2ng cao c\u1ee7a Pocket Option \u0111\u1ecbnh v\u1ecb m\u00ecnh m\u1ed9t c\u00e1ch chi\u1ebfn l\u01b0\u1ee3c cho c\u00e1c thay \u0111\u1ed5i xu h\u01b0\u1edbng x\u00e1c su\u1ea5t cao.\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Ch\u1ea5t X\u00fac T\u00e1c Ti\u1ec1m N\u0103ng<\/th>\n<th>Ch\u1ec9 S\u1ed1 Ch\u00ednh C\u1ea7n Theo D\u00f5i<\/th>\n<th>Ti\u1ec1m N\u0103ng T\u00e1c \u0110\u1ed9ng Gi\u00e1<\/th>\n<th>\u0110\u00e1nh Gi\u00e1 X\u00e1c Su\u1ea5t<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Thu Nh\u1eadp Q3 2023 (30 th\u00e1ng 10)<\/td>\n<td>T\u0103ng tr\u01b0\u1edfng th\u00e0nh vi\u00ean, doanh thu so v\u1edbi \u0111\u1ed3ng thu\u1eadn 515 tri\u1ec7u \u0111\u00f4 la<\/td>\n<td>\u00b112-18% dao \u0111\u1ed9ng ti\u1ec1m n\u0103ng<\/td>\n<td>S\u1ef1 ki\u1ec7n nh\u1ecb ph\u00e2n v\u1edbi c\u00e1c th\u00f4ng s\u1ed1 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh<\/td>\n<\/tr>\n<tr>\n<td>Hi\u1ec7p L\u1ef1c Doanh Thu Gi\u1ea5y Ph\u00e9p Ng\u00e2n H\u00e0ng<\/td>\n<td>M\u1edf r\u1ed9ng bi\u00ean l\u00e3i su\u1ea5t r\u00f2ng tr\u00ean 6,0%<\/td>\n<td>+15-25% n\u1ebfu \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau<\/td>\n<td>X\u00e1c su\u1ea5t cao c\u1ee7a c\u1ea3i thi\u1ec7n gia t\u0103ng<\/td>\n<\/tr>\n<tr>\n<td>Chuy\u1ec3n \u0110\u1ed5i Ch\u00ednh S\u00e1ch c\u1ee7a C\u1ee5c D\u1ef1 Tr\u1eef Li\u00ean Bang<\/td>\n<td>B\u1ea5t k\u1ef3 t\u00edn hi\u1ec7u n\u00e0o v\u1ec1 c\u1eaft gi\u1ea3m l\u00e3i su\u1ea5t ho\u1eb7c t\u1ea1m d\u1eebng<\/td>\n<td>+18-27% khi c\u00f3 s\u1ef1 thay \u0111\u1ed5i \u00f4n h\u00f2a r\u00f5 r\u00e0ng<\/td>\n<td>X\u00e1c su\u1ea5t trung b\u00ecnh trong Q1 2024<\/td>\n<\/tr>\n<tr>\n<td>T\u00edch H\u1ee3p Mua L\u1ea1i Option Care<\/td>\n<td>C\u00e1c ch\u1ec9 s\u1ed1 b\u00e1n ch\u00e9o tr\u00ean 2,8 s\u1ea3n ph\u1ea9m m\u1ed7i th\u00e0nh vi\u00ean<\/td>\n<td>+8-14% khi hi\u1ec7n th\u1ef1c h\u00f3a hi\u1ec7p l\u1ef1c<\/td>\n<td>X\u00e1c su\u1ea5t th\u1ef1c hi\u1ec7n cao d\u1ef1a tr\u00ean h\u1ed3 s\u01a1 theo d\u00f5i<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ebfn l\u01b0\u1ee3c, m\u1ee9c gi\u1ea3m 37,8% hi\u1ec7n t\u1ea1i t\u1eeb m\u1ee9c cao nh\u1ea5t trong 52 tu\u1ea7n c\u00f3 th\u1ec3 \u0111\u1ea1i di\u1ec7n cho c\u01a1 h\u1ed9i gia nh\u1eadp \u0111\u01b0\u1ee3c hi\u1ec7u ch\u1ec9nh n\u1ebfu ph\u00e2n t\u00edch c\u01a1 b\u1ea3n cho th\u1ea5y v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng 5,7 t\u1ef7 \u0111\u00f4 la c\u1ee7a SoFi \u0111\u00e1nh gi\u00e1 th\u1ea5p h\u1ec7 sinh th\u00e1i 7,5 tri\u1ec7u th\u00e0nh vi\u00ean v\u00e0 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng ng\u00e2n h\u00e0ng c\u1ee7a n\u00f3. Ng\u01b0\u1ee3c l\u1ea1i, \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch t\u1eadp trung v\u00e0o khung th\u1eddi gian ng\u1eafn h\u01a1n, m\u00f4 h\u00ecnh ph\u00e1 v\u1ee1 k\u1ef9 thu\u1eadt t\u1ea1o ra c\u00e1c c\u01a1 h\u1ed9i chi\u1ebfn thu\u1eadt ch\u00ednh x\u00e1c th\u00f4ng qua n\u1ec1n t\u1ea3ng ph\u00e2n t\u00edch \u0111a khung th\u1eddi gian c\u1ee7a Pocket Option.\n<h2>K\u1ebft Lu\u1eadn: Ph\u00e2n T\u00edch D\u1ef1a Tr\u00ean D\u1eef Li\u1ec7u v\u1ec1 L\u00fd Do C\u1ed5 Phi\u1ebfu SoFi Gi\u1ea3m H\u00f4m Nay<\/h2>\nS\u1ef1 s\u1ee5t gi\u1ea3m 15,3% h\u00e0ng tu\u1ea7n hi\u1ec7n t\u1ea1i c\u1ee7a SoFi \u0111\u1ea1i di\u1ec7n cho s\u1ef1 t\u01b0\u01a1ng t\u00e1c ch\u00ednh x\u00e1c gi\u1eefa c\u00e1c \u00e1p l\u1ef1c kinh t\u1ebf v\u0129 m\u00f4 c\u00f3 th\u1ec3 \u0111\u1ecbnh l\u01b0\u1ee3ng, c\u00e1c th\u00e1ch th\u1ee9c c\u1ee5 th\u1ec3 \u1edf c\u1ea5p \u0111\u1ed9 c\u00f4ng ty, s\u1ef1 ph\u00e1 v\u1ee1 k\u1ef9 thu\u1eadt t\u1ea1i c\u00e1c m\u1ee9c gi\u00e1 quan tr\u1ecdng v\u00e0 s\u1ef1 thay \u0111\u1ed5i c\u00f3 th\u1ec3 \u0111o l\u01b0\u1eddng trong d\u00f2ng v\u1ed1n t\u1ed5 ch\u1ee9c. Hi\u1ec3u c\u00e1c y\u1ebfu t\u1ed1 \u0111a chi\u1ec1u n\u00e0y cung c\u1ea5p b\u1ed1i c\u1ea3nh c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng cho c\u1ea3 nh\u00e0 giao d\u1ecbch v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0.\n\n\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch t\u1eadn d\u1ee5ng n\u1ec1n t\u1ea3ng ph\u00e2n t\u00edch c\u1ea5p t\u1ed5 ch\u1ee9c c\u1ee7a Pocket Option, c\u1ea5u h\u00ecnh k\u1ef9 thu\u1eadt hi\u1ec7n t\u1ea1i c\u1ee7a SoFi tr\u00ecnh b\u00e0y c\u00e1c c\u01a1 h\u1ed9i c\u1ee5 th\u1ec3 tr\u00ean c\u00e1c khung th\u1eddi gian t\u1eeb giao d\u1ecbch trong ng\u00e0y \u0111\u1ebfn giao d\u1ecbch v\u1ecb th\u1ebf. Kh\u1ea3 n\u0103ng l\u1eadp bi\u1ec3u \u0111\u1ed3 n\u00e2ng cao c\u1ee7a n\u1ec1n t\u1ea3ng, kh\u1ea3 n\u0103ng ki\u1ec3m tra l\u1ea1i v\u00e0 c\u00e1c lo\u1ea1i l\u1ec7nh c\u00f3 \u0111i\u1ec1u ki\u1ec7n cho ph\u00e9p th\u1ef1c hi\u1ec7n ch\u00ednh x\u00e1c c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo h\u1ed3 s\u01a1 bi\u1ebfn \u0111\u1ed9ng \u0111\u1ed9c \u0111\u00e1o c\u1ee7a SoFi.\n\nC\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n gi\u1ea3i th\u00edch l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay bao g\u1ed3m s\u1ef1 n\u00e9n 40 \u0111i\u1ec3m c\u01a1 b\u1ea3n trong bi\u00ean l\u00e3i su\u1ea5t r\u00f2ng, t\u0103ng 12,3% trong chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng, gi\u1ea3m 13,8% trong c\u00e1c m\u1ee5c ti\u00eau gi\u00e1 \u0111\u1ed3ng thu\u1eadn v\u00e0 s\u1ef1 ph\u00e1 v\u1ee1 k\u1ef9 thu\u1eadt d\u01b0\u1edbi v\u00f9ng h\u1ed7 tr\u1ee3 quan tr\u1ecdng $7,58 v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng trung b\u00ecnh 1,8x. C\u00e1c ch\u1ec9 s\u1ed1 c\u1ee5 th\u1ec3 n\u00e0y k\u1ebft h\u1ee3p \u0111\u1ec3 t\u1ea1o ra m\u00f4i tr\u01b0\u1eddng gi\u00e1 hi\u1ec7n t\u1ea1i, m\u1eb7c d\u00f9 \u1ea3nh h\u01b0\u1edfng t\u01b0\u01a1ng \u0111\u1ed1i c\u1ee7a ch\u00fang li\u00ean t\u1ee5c dao \u0111\u1ed9ng khi \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n.\n\nTi\u1ebfn v\u1ec1 ph\u00eda tr\u01b0\u1edbc, nh\u1eefng ng\u01b0\u1eddi tham gia th\u1ecb tr\u01b0\u1eddng th\u00e0nh c\u00f4ng s\u1ebd duy tr\u00ec m\u1ed9t quan \u0111i\u1ec3m d\u1ef1a tr\u00ean d\u1eef li\u1ec7u t\u00edch h\u1ee3p c\u1ea3 ph\u00e2n t\u00edch \u0111\u1ecbnh l\u01b0\u1ee3ng v\u1ec1 c\u00e1c ch\u1ec9 s\u1ed1 kinh doanh c\u1ee7a SoFi v\u00e0 \u0111\u00e1nh gi\u00e1 k\u1ef9 thu\u1eadt v\u1ec1 c\u1ea5u tr\u00fac gi\u00e1 c\u1ee7a n\u00f3. C\u00e1ch ti\u1ebfp c\u1eadn \u0111a ng\u00e0nh n\u00e0y thi\u1ebft l\u1eadp n\u1ec1n t\u1ea3ng m\u1ea1nh m\u1ebd nh\u1ea5t cho vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c trong m\u1ed9t t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c \u0111\u1eb7c tr\u01b0ng b\u1edfi s\u1ef1 bi\u1ebfn \u0111\u1ed9ng h\u00e0ng n\u0103m 58,7% v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n ph\u1ee9c t\u1ea1p.\n\nCho d\u00f9 b\u1ea1n \u0111ang s\u1eed d\u1ee5ng Pocket Option \u0111\u1ec3 giao d\u1ecbch chi\u1ebfn thu\u1eadt ng\u1eafn h\u1ea1n ch\u00ednh x\u00e1c hay t\u00ednh to\u00e1n v\u1ecb th\u1ebf d\u00e0i h\u1ea1n, vi\u1ec7c th\u1ef1c hi\u1ec7n qu\u1ea3n l\u00fd r\u1ee7i ro c\u00f3 k\u1ef7 lu\u1eadt v\u00e0 ph\u00e2n t\u00edch d\u1ef1a tr\u00ean d\u1eef li\u1ec7u s\u1ebd ch\u1ee9ng t\u1ecf l\u00e0 c\u1ea7n thi\u1ebft trong vi\u1ec7c \u0111i\u1ec1u h\u01b0\u1edbng \u0111\u1ed9ng l\u1ef1c th\u1ecb tr\u01b0\u1eddng \u0111ang ph\u00e1t tri\u1ec3n c\u1ee7a SoFi trong khi t\u1eadn d\u1ee5ng c\u00e1c c\u01a1 h\u1ed9i m\u00e0 ch\u00fang t\u1ea1o ra.\n\n<\/div>","body_html_source":{"label":"Body HTML","type":"wysiwyg","formatted_value":"<div class=\"custom-html-container\">\n<h2>Hi\u1ec3u V\u1ecb Th\u1ebf Th\u1ecb Tr\u01b0\u1eddng v\u00e0 Hi\u1ec7u Su\u1ea5t G\u1ea7n \u0110\u00e2y c\u1ee7a SoFi<\/h2>\n<p>Khi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm c\u00e2u tr\u1ea3 l\u1eddi v\u1ec1 l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay, h\u1ecd g\u1eb7p ph\u1ea3i m\u1ed9t kho\u1ea3ng c\u00e1ch quan tr\u1ecdng gi\u1eefa tin t\u1ee9c ti\u00eau \u0111\u1ec1 v\u00e0 th\u00f4ng tin t\u00ecnh b\u00e1o c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng. SoFi Technologies, Inc. (NASDAQ: SOFI) \u0111\u00e3 chuy\u1ec3n \u0111\u1ed5i t\u1eeb m\u1ed9t c\u00f4ng ty t\u00e1i t\u00e0i tr\u1ee3 kho\u1ea3n vay sinh vi\u00ean ng\u00e1ch th\u00e0nh m\u1ed9t h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh \u0111a d\u1ea1ng v\u1edbi v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng 5,7 t\u1ef7 \u0111\u00f4 la, nh\u01b0ng c\u1ed5 phi\u1ebfu c\u1ee7a n\u00f3 \u0111\u00e3 gi\u1ea3m 37,8% t\u1eeb m\u1ee9c cao nh\u1ea5t trong 52 tu\u1ea7n, k\u00e9m h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi ch\u1ec9 s\u1ed1 fintech r\u1ed9ng h\u01a1n.<\/p>\n<p>S\u1ef1 m\u1edf r\u1ed9ng m\u1ea1nh m\u1ebd c\u1ee7a SoFi t\u1eeb cho vay chuy\u00ean bi\u1ec7t sang d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n \u0111\u00e3 t\u1ea1o ra m\u1ed9t con dao hai l\u01b0\u1ee1i cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0. C\u00f4ng ty hi\u1ec7n qu\u1ea3n l\u00fd 27,4 t\u1ef7 \u0111\u00f4 la t\u00e0i s\u1ea3n trong khi ph\u1ee5c v\u1ee5 7,5 tri\u1ec7u th\u00e0nh vi\u00ean tr\u00ean c\u00e1c l\u0129nh v\u1ef1c cho vay, \u0111\u1ea7u t\u01b0 v\u00e0 ng\u00e2n h\u00e0ng. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch s\u1eed d\u1ee5ng n\u1ec1n t\u1ea3ng ph\u00e2n t\u00edch n\u00e2ng cao c\u1ee7a Pocket Option, c\u00e1c ch\u1ec9 s\u1ed1 c\u01a1 b\u1ea3n n\u00e0y cung c\u1ea5p b\u1ed1i c\u1ea3nh thi\u1ebft y\u1ebfu tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n b\u1ea5t k\u1ef3 chi\u1ebfn l\u01b0\u1ee3c t\u1eadp trung v\u00e0o SoFi n\u00e0o trong m\u00f4i tr\u01b0\u1eddng th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng ng\u00e0y nay.<\/p>\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Ph\u00e2n Kh\u00fac Kinh Doanh SoFi<\/th>\n<th>\u0110\u00f3ng G\u00f3p Doanh Thu (%)<\/th>\n<th>T\u0103ng Tr\u01b0\u1edfng YoY (%)<\/th>\n<th>T\u00e2m L\u00fd Th\u1ecb Tr\u01b0\u1eddng Hi\u1ec7n T\u1ea1i<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Cho vay<\/td>\n<td>61,3%<\/td>\n<td>+7,8%<\/td>\n<td>Th\u1eadn tr\u1ecdng &#8211; lo ng\u1ea1i v\u1ec1 \u0111\u1ed9 nh\u1ea1y c\u1ea3m v\u1edbi l\u00e3i su\u1ea5t<\/td>\n<\/tr>\n<tr>\n<td>D\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh<\/td>\n<td>21,5%<\/td>\n<td>+28,4%<\/td>\n<td>T\u00edch c\u1ef1c &#8211; ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng cao<\/td>\n<\/tr>\n<tr>\n<td>N\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7<\/td>\n<td>17,2%<\/td>\n<td>+13,6%<\/td>\n<td>Trung l\u1eadp &#8211; \u00e1p l\u1ef1c c\u1ea1nh tranh<\/td>\n<\/tr>\n<tr>\n<td>D\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng<\/td>\n<td>\u0110\u01b0\u1ee3c nh\u00fang trong c\u00e1c ph\u00e2n kh\u00fac<\/td>\n<td>+54,3% (ti\u1ec1n g\u1eedi)<\/td>\n<td>T\u00edch c\u1ef1c &#8211; m\u1edf r\u1ed9ng hi\u1ec7u qu\u1ea3<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2>C\u00e1c Y\u1ebfu T\u1ed1 Kinh T\u1ebf V\u0129 M\u00f4 \u0110ang Th\u00fac \u0110\u1ea9y S\u1ef1 S\u1ee5t Gi\u1ea3m Hi\u1ec7n T\u1ea1i c\u1ee7a SoFi<\/h2>\n<p>\u0110\u1ec3 ch\u1ea9n \u0111o\u00e1n \u0111\u00fang l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay, tr\u01b0\u1edbc ti\u00ean ch\u00fang ta ph\u1ea3i ph\u00e2n t\u00edch b\u1ed1i c\u1ea3nh kinh t\u1ebf v\u0129 m\u00f4 \u0111\u00e3 thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 trong qu\u00fd v\u1eeba qua. \u0110\u1ecbnh gi\u00e1 fintech \u0111\u00e3 gi\u1ea3m trung b\u00ecnh 23,7% t\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ebfn nay khi s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn v\u1ec1 ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 gia t\u0103ng. \u0110\u1ed9 nh\u1ea1y c\u1ea3m c\u1ee7a SoFi v\u1edbi c\u00e1c y\u1ebfu t\u1ed1 b\u00ean ngo\u00e0i n\u00e0y t\u1ea1o ra c\u1ea3 th\u00e1ch th\u1ee9c ngay l\u1eadp t\u1ee9c v\u00e0 c\u01a1 h\u1ed9i gia nh\u1eadp ti\u1ec1m n\u0103ng cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ebfn l\u01b0\u1ee3c.<\/p>\n<h3>\u0110\u1ed9ng L\u1ef1c L\u00e3i Su\u1ea5t v\u00e0 T\u00e1c \u0110\u1ed9ng c\u1ee7a Ch\u00fang \u0110\u1ebfn SoFi<\/h3>\n<p>L\u00e3i su\u1ea5t \u0111\u1ea1i di\u1ec7n cho bi\u1ebfn s\u1ed1 b\u00ean ngo\u00e0i c\u00f3 \u1ea3nh h\u01b0\u1edfng nh\u1ea5t \u0111\u1ebfn m\u00f4 h\u00ecnh kinh doanh c\u1ed1t l\u00f5i c\u1ee7a SoFi. V\u1edbi vi\u1ec7c C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang duy tr\u00ec l\u00e3i su\u1ea5t chu\u1ea9n \u1edf m\u1ee9c cao nh\u1ea5t trong 23 n\u0103m l\u00e0 5,25-5,50%, bi\u00ean l\u00e3i su\u1ea5t r\u00f2ng c\u1ee7a SoFi \u0111\u00e3 gi\u1ea3m xu\u1ed1ng c\u00f2n 5,8%, gi\u1ea3m 40 \u0111i\u1ec3m c\u01a1 b\u1ea3n so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc. M\u1ed7i s\u1ef1 thay \u0111\u1ed5i 25 \u0111i\u1ec3m c\u01a1 b\u1ea3n trong k\u1ef3 v\u1ecdng l\u00e3i su\u1ea5t th\u01b0\u1eddng k\u00edch ho\u1ea1t s\u1ef1 di chuy\u1ec3n 3-5% trong gi\u00e1 c\u1ed5 phi\u1ebfu c\u1ee7a SoFi trong v\u00f2ng 48 gi\u1edd.<\/p>\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch c\u1ea5p t\u1ed5 ch\u1ee9c c\u1ee7a Pocket Option, c\u00e1c m\u1ed1i t\u01b0\u01a1ng quan l\u00e3i su\u1ea5t n\u00e0y cung c\u1ea5p c\u00e1c t\u00edn hi\u1ec7u th\u1eddi gian quan tr\u1ecdng. Ch\u1ec9 tu\u1ea7n tr\u01b0\u1edbc, b\u00ecnh lu\u1eadn di\u1ec1u h\u00e2u c\u1ee7a Fed cho th\u1ea5y l\u00e3i su\u1ea5t &#8220;cao h\u01a1n trong th\u1eddi gian d\u00e0i h\u01a1n&#8221; \u0111\u00e3 k\u00edch ho\u1ea1t s\u1ef1 s\u1ee5t gi\u1ea3m ngay l\u1eadp t\u1ee9c 7,2% trong m\u1ed9t ng\u00e0y c\u1ee7a c\u1ed5 phi\u1ebfu SoFi, t\u1ea1o ra c\u00e1c m\u00f4 h\u00ecnh giao d\u1ecbch ri\u00eang bi\u1ec7t m\u00e0 c\u00e1c nh\u00e0 ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u00f3 th\u1ec3 l\u1eadp b\u1ea3n \u0111\u1ed3 v\u1edbi \u0111\u1ed9 ch\u00ednh x\u00e1c.<\/p>\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>S\u1ef1 Ki\u1ec7n L\u00e3i Su\u1ea5t<\/th>\n<th>T\u00e1c \u0110\u1ed9ng Gi\u00e1 SoFi (%)<\/th>\n<th>Khung Th\u1eddi Gian Ph\u1ea3n \u1ee8ng<\/th>\n<th>\u0110\u1ed9 Tin C\u1eady M\u1eabu L\u1ecbch S\u1eed<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u0103ng l\u00e3i su\u1ea5t 25bp<\/td>\n<td>-4,3% \u0111\u1ebfn -6,8%<\/td>\n<td>2-4 gi\u1edd (t\u00e1c \u0111\u1ed9ng \u0111\u1ec9nh \u0111i\u1ec3m)<\/td>\n<td>87% nh\u1ea5t qu\u00e1n trong 6 s\u1ef1 ki\u1ec7n g\u1ea7n \u0111\u00e2y<\/td>\n<\/tr>\n<tr>\n<td>T\u00edn hi\u1ec7u c\u1eaft gi\u1ea3m l\u00e3i su\u1ea5t<\/td>\n<td>+5,2% \u0111\u1ebfn +9,7%<\/td>\n<td>6-24 gi\u1edd (x\u00e2y d\u1ef1ng \u0111\u1ed9ng l\u1ef1c)<\/td>\n<td>91% m\u1eabu nh\u1ea5t qu\u00e1n<\/td>\n<\/tr>\n<tr>\n<td>L\u00e3i su\u1ea5t kh\u00f4ng \u0111\u1ed5i v\u1edbi gi\u1ecdng \u0111i\u1ec7u di\u1ec1u h\u00e2u<\/td>\n<td>-2,7% \u0111\u1ebfn -4,5%<\/td>\n<td>12-18 gi\u1edd (\u00e1p l\u1ef1c d\u1ea7n d\u1ea7n)<\/td>\n<td>76% y\u1ebfu t\u1ed1 \u0111\u1ed9 tin c\u1eady<\/td>\n<\/tr>\n<tr>\n<td>L\u00e3i su\u1ea5t kh\u00f4ng \u0111\u1ed5i v\u1edbi gi\u1ecdng \u0111i\u1ec7u \u00f4n h\u00f2a<\/td>\n<td>+3,4% \u0111\u1ebfn +7,1%<\/td>\n<td>8-14 gi\u1edd (t\u0103ng t\u1ed1c l\u1ee3i nhu\u1eadn)<\/td>\n<td>82% \u0111\u1ed9 ch\u00ednh x\u00e1c l\u1ecbch s\u1eed<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>T\u00e2m L\u00fd Kinh T\u1ebf v\u00e0 Kh\u1ea9u V\u1ecb R\u1ee7i Ro<\/h3>\n<p>T\u00e2m l\u00fd kinh t\u1ebf r\u1ed9ng h\u01a1n \u0111\u00e3 thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 trong nh\u1eefng tu\u1ea7n g\u1ea7n \u0111\u00e2y. C\u00e1c c\u1ed5 phi\u1ebfu fintech \u0111\u1ecbnh h\u01b0\u1edbng t\u0103ng tr\u01b0\u1edfng nh\u01b0 SoFi \u0111\u00e3 ch\u1ecbu thi\u1ec7t h\u1ea1i khi kh\u1ea9u v\u1ecb r\u1ee7i ro c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 gi\u1ea3m 17% theo Ch\u1ec9 s\u1ed1 S\u1ee3 h\u00e3i c\u1ee7a Credit Suisse. S\u1ef1 \u0111\u1ea3o ng\u01b0\u1ee3c t\u00e2m l\u00fd n\u00e0y \u0111\u00e3 \u0111\u1ea9y nhanh s\u1ef1 lu\u00e2n chuy\u1ec3n v\u1ed1n t\u1eeb fintech t\u0103ng tr\u01b0\u1edfng cao sang c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u1ecbnh h\u01b0\u1edbng gi\u00e1 tr\u1ecb v\u1edbi l\u1ecbch s\u1eed c\u1ed5 t\u1ee9c \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp v\u00e0 h\u1ed3 s\u01a1 bi\u1ebfn \u0111\u1ed9ng th\u1ea5p h\u01a1n.<\/p>\n<p>M\u1ed1i quan h\u1ec7 gi\u1eefa c\u00e1c ch\u1ec9 s\u1ed1 r\u1ee7i ro v\u00e0 hi\u1ec7u su\u1ea5t c\u1ed5 phi\u1ebfu n\u00e0y t\u1ea1o ra s\u1ef1 b\u1ea5t \u0111\u1ed1i x\u1ee9ng chi\u1ebfn l\u01b0\u1ee3c m\u00e0 c\u00e1c nh\u00e0 giao d\u1ecbch Pocket Option c\u00f3 th\u1ec3 khai th\u00e1c. B\u1eb1ng c\u00e1ch theo d\u00f5i c\u00e1c ch\u1ec9 s\u1ed1 t\u00e2m l\u00fd theo th\u1eddi gian th\u1ef1c v\u00e0 \u0111\u1ecbnh v\u1ecb ph\u00f9 h\u1ee3p, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm s\u1ef1 t\u01b0\u01a1ng ph\u1ea3n c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng c\u00e1c bi\u1ebfn \u0111\u1ed9ng gi\u00e1 do t\u00e2m l\u00fd tr\u01b0\u1edbc khi v\u1ed1n t\u1ed5 ch\u1ee9c \u0111i\u1ec1u ch\u1ec9nh.<\/p>\n<ul>\n<li>D\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng GDP cho Q2 2023 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m t\u1eeb 2,8% xu\u1ed1ng 2,1%, t\u1ea1o ra s\u1ef1 s\u1ee5t gi\u1ea3m 4,3% trong gi\u00e1 c\u1ed5 phi\u1ebfu c\u1ee7a SoFi<\/li>\n<li>Ni\u1ec1m tin ti\u00eau d\u00f9ng \u0111\u00e3 gi\u1ea3m xu\u1ed1ng 100,2 t\u1eeb 105,7, v\u1edbi s\u1ef1 y\u1ebfu k\u00e9m c\u1ee5 th\u1ec3 trong k\u1ef3 v\u1ecdng t\u01b0\u01a1ng lai, t\u01b0\u01a1ng quan v\u1edbi s\u1ef1 s\u1ee5t gi\u1ea3m 5,7% c\u1ee7a SoFi<\/li>\n<li>B\u00e1o c\u00e1o vi\u1ec7c l\u00e0m g\u1ea7n \u0111\u00e2y nh\u1ea5t cho th\u1ea5y 187.000 v\u1ecb tr\u00ed \u0111\u01b0\u1ee3c th\u00eam v\u00e0o (so v\u1edbi 205.000 d\u1ef1 ki\u1ebfn) \u0111\u00e3 k\u00edch ho\u1ea1t s\u1ef1 b\u00e1n th\u00e1o 3,2% trong ng\u00e0y c\u1ee7a SoFi<\/li>\n<li>L\u1ea1m ph\u00e1t PCE c\u1ed1t l\u00f5i \u1edf m\u1ee9c 3,7% v\u01b0\u1ee3t qu\u00e1 m\u1ee9c \u0111\u1ed3ng thu\u1eadn 3,5% \u0111\u00e3 t\u1ea1o ra \u00e1p l\u1ef1c gia t\u0103ng \u0111\u1ed1i v\u1edbi c\u00e1c t\u00ean tu\u1ed5i fintech nh\u1ea1y c\u1ea3m v\u1edbi l\u00e3i su\u1ea5t<\/li>\n<\/ul>\n<h2>C\u00e1c Y\u1ebfu T\u1ed1 C\u1ee5 Th\u1ec3 c\u1ee7a C\u00f4ng Ty \u0110\u1eb1ng Sau S\u1ef1 S\u1ee5t Gi\u1ea3m G\u1ea7n \u0110\u00e2y c\u1ee7a SoFi<\/h2>\n<p>Trong khi c\u00e1c y\u1ebfu t\u1ed1 b\u00ean ngo\u00e0i t\u1ea1o ra b\u1ed1i c\u1ea3nh cho s\u1ef1 y\u1ebfu k\u00e9m c\u1ee7a SoFi, c\u00e1c ph\u00e1t tri\u1ec3n n\u1ed9i b\u1ed9 \u0111\u00f3ng vai tr\u00f2 l\u00e0 ch\u1ea5t x\u00fac t\u00e1c ch\u00ednh x\u00e1c cho s\u1ef1 s\u1ee5t gi\u1ea3m 15,3% \u0111\u01b0\u1ee3c ch\u1ee9ng ki\u1ebfn trong tu\u1ea7n giao d\u1ecbch v\u1eeba qua. Hi\u1ec3u c\u00e1c y\u1ebfu t\u1ed1 c\u1ee5 th\u1ec3 c\u1ee7a c\u00f4ng ty n\u00e0y cung c\u1ea5p b\u1ed1i c\u1ea3nh quan tr\u1ecdng khi ph\u00e2n t\u00edch l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay.<\/p>\n<h3>Thu Nh\u1eadp H\u00e0ng Qu\u00fd v\u00e0 H\u01b0\u1edbng D\u1eabn Th\u1ea5t V\u1ecdng<\/h3>\n<p>B\u00e1o c\u00e1o h\u00e0ng qu\u00fd g\u1ea7n \u0111\u00e2y nh\u1ea5t c\u1ee7a SoFi \u0111\u00e3 ti\u1ebft l\u1ed9 c\u00e1c t\u00edn hi\u1ec7u h\u1ed7n h\u1ee3p \u0111\u00e3 k\u00edch ho\u1ea1t \u00e1p l\u1ef1c b\u00e1n \u0111\u00e1ng k\u1ec3. M\u1eb7c d\u00f9 c\u00f4ng ty \u0111\u00e3 b\u00e1o c\u00e1o 486.000 th\u00e0nh vi\u00ean m\u1edbi (v\u01b0\u1ee3t qua \u01b0\u1edbc t\u00ednh \u0111\u1ed3ng thu\u1eadn 478.000) v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c qu\u00fd th\u1ee9 ch\u00edn li\u00ean ti\u1ebfp c\u00f3 EBITDA d\u01b0\u01a1ng \u1edf m\u1ee9c 76,5 tri\u1ec7u \u0111\u00f4 la, h\u01b0\u1edbng d\u1eabn tr\u01b0\u1edbc kh\u00f4ng v\u01b0\u1ee3t qua \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng cao \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o \u0111\u1ecbnh gi\u00e1 cao c\u1ea5p c\u1ee7a n\u00f3.<\/p>\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch s\u1eed d\u1ee5ng kh\u1ea3 n\u0103ng l\u1eadp bi\u1ec3u \u0111\u1ed3 to\u00e0n di\u1ec7n c\u1ee7a Pocket Option, c\u00e1c s\u1ef1 ki\u1ec7n bi\u1ebfn \u0111\u1ed9ng do thu nh\u1eadp n\u00e0y t\u1ea1o ra c\u00e1c thi\u1ebft l\u1eadp giao d\u1ecbch x\u00e1c su\u1ea5t cao. Kho\u1ea3ng c\u00e1ch c\u1ee5 th\u1ec3 gi\u1eefa k\u1ef3 v\u1ecdng \u0111\u1ed3ng thu\u1eadn v\u00e0 c\u00e1c ch\u1ec9 s\u1ed1 \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o gi\u1ea3i th\u00edch 47% h\u00e0nh \u0111\u1ed9ng gi\u00e1 g\u1ea7n \u0111\u00e2y c\u1ee7a SoFi, theo ph\u00e2n t\u00edch h\u1ed3i quy v\u1ec1 hi\u1ec7u su\u1ea5t sau thu nh\u1eadp.<\/p>\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 S\u1ed1 Thu Nh\u1eadp<\/th>\n<th>Th\u1ef1c T\u1ebf so v\u1edbi \u0110\u1ed3ng Thu\u1eadn<\/th>\n<th>H\u1ec7 S\u1ed1 T\u00e1c \u0110\u1ed9ng Th\u1ecb Tr\u01b0\u1eddng<\/th>\n<th>S\u1ee9c M\u1ea1nh Ch\u1ec9 B\u00e1o Ti\u1ebfn V\u1ec1<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u0103ng Tr\u01b0\u1edfng Th\u00e0nh Vi\u00ean<\/td>\n<td>+486K so v\u1edbi +478K d\u1ef1 ki\u1ebfn (+1,7%)<\/td>\n<td>T\u00edch c\u1ef1c v\u1eeba ph\u1ea3i<\/td>\n<td>Ch\u1ec9 b\u00e1o d\u1eabn \u0111\u1ea7u m\u1ea1nh m\u1ebd<\/td>\n<\/tr>\n<tr>\n<td>Doanh Thu<\/td>\n<td>498,2 tri\u1ec7u \u0111\u00f4 la so v\u1edbi 512,7 tri\u1ec7u \u0111\u00f4 la d\u1ef1 ki\u1ebfn (-2,8%)<\/td>\n<td>Ti\u00eau c\u1ef1c \u0111\u00e1ng k\u1ec3<\/td>\n<td>Gi\u00e1 tr\u1ecb d\u1ef1 \u0111o\u00e1n cao<\/td>\n<\/tr>\n<tr>\n<td>EBITDA \u0110i\u1ec1u Ch\u1ec9nh<\/td>\n<td>76,5 tri\u1ec7u \u0111\u00f4 la so v\u1edbi 74,3 tri\u1ec7u \u0111\u00f4 la d\u1ef1 ki\u1ebfn (+3,0%)<\/td>\n<td>T\u00edch c\u1ef1c nh\u1eb9<\/td>\n<td>\u0110\u1ed9 tin c\u1eady v\u1eeba ph\u1ea3i<\/td>\n<\/tr>\n<tr>\n<td>H\u01b0\u1edbng D\u1eabn FY2023<\/td>\n<td>2,00 t\u1ef7 \u0111\u00f4 la &#8211; 2,05 t\u1ef7 \u0111\u00f4 la so v\u1edbi \u0111\u1ed3ng thu\u1eadn 2,08 t\u1ef7 \u0111\u00f4 la (-1,7%)<\/td>\n<td>Ti\u00eau c\u1ef1c r\u1ea5t m\u1ea1nh<\/td>\n<td>Y\u1ebfu t\u1ed1 c\u1ea3m x\u00fac quan tr\u1ecdng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>C\u00e1c ch\u1ec9 s\u1ed1 ho\u1ea1t \u0111\u1ed9ng c\u1ee5 th\u1ec3 g\u00e2y lo ng\u1ea1i nh\u1ea5t bao g\u1ed3m chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng t\u0103ng 12,3% l\u00ean 284 \u0111\u00f4 la cho m\u1ed7i th\u00e0nh vi\u00ean m\u1edbi, s\u1ef1 gi\u1ea3m t\u1ed1c trong t\u0103ng tr\u01b0\u1edfng t\u00e0i kho\u1ea3n n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 Galileo xu\u1ed1ng 17,4% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc v\u00e0 bi\u00ean l\u00e3i su\u1ea5t r\u00f2ng b\u1ecb n\u00e9n trong ph\u00e2n kh\u00fac cho vay do m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t hi\u1ec7n t\u1ea1i.<\/p>\n<h2>B\u1ed1i C\u1ea3nh C\u1ea1nh Tranh v\u00e0 Th\u00e1ch Th\u1ee9c Th\u1ecb Ph\u1ea7n<\/h2>\n<p>M\u1ed9t y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh kh\u00e1c gi\u1ea3i th\u00edch l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay li\u00ean quan \u0111\u1ebfn \u0111\u1ed9ng l\u1ef1c c\u1ea1nh tranh ng\u00e0y c\u00e0ng gia t\u0103ng tr\u00ean to\u00e0n h\u1ec7 sinh th\u00e1i fintech. SoFi hi\u1ec7n c\u1ea1nh tranh v\u1edbi 37 ng\u00e2n h\u00e0ng th\u00e1ch th\u1ee9c tr\u1ef1c ti\u1ebfp v\u00e0 ng\u00e2n h\u00e0ng s\u1ed1 ch\u1ec9 ri\u00eang tr\u00ean th\u1ecb tr\u01b0\u1eddng M\u1ef9, t\u0103ng t\u1eeb 29 ch\u1ec9 m\u01b0\u1eddi t\u00e1m th\u00e1ng tr\u01b0\u1edbc. M\u1eadt \u0111\u1ed9 c\u1ea1nh tranh n\u00e0y \u0111\u00e3 l\u00e0m t\u0103ng chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng l\u00ean 23,4% tr\u00ean to\u00e0n ng\u00e0nh trong khi k\u00e9o d\u00e0i th\u1eddi gian ho\u00e0n v\u1ed1n.<\/p>\n<p>Qu\u1ef9 \u0111\u1ea1o th\u1ecb ph\u1ea7n c\u1ee7a c\u00f4ng ty thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 tr\u00ean c\u00e1c \u0111\u01a1n v\u1ecb kinh doanh c\u1ee7a m\u00ecnh, t\u1ea1o ra c\u1ea3 th\u00e1ch th\u1ee9c ph\u00f2ng th\u1ee7 v\u00e0 c\u01a1 h\u1ed9i t\u1ea5n c\u00f4ng. Ph\u00e2n t\u00edch v\u1ecb th\u1ebf c\u1ea1nh tranh c\u1ee7a SoFi cung c\u1ea5p b\u1ed1i c\u1ea3nh thi\u1ebft y\u1ebfu \u0111\u1ec3 hi\u1ec3u c\u00e1c m\u00f4 h\u00ecnh chuy\u1ec3n \u0111\u1ed9ng c\u1ed5 phi\u1ebfu c\u1ee7a n\u00f3, c\u00f3 th\u1ec3 th\u00f4ng b\u00e1o c\u00e1c chi\u1ebfn l\u01b0\u1ee3c giao d\u1ecbch tinh vi tr\u00ean n\u1ec1n t\u1ea3ng ph\u00e2n t\u00edch \u0111a khung th\u1eddi gian c\u1ee7a Pocket Option.<\/p>\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Danh M\u1ee5c \u0110\u1ed1i Th\u1ee7 C\u1ea1nh Tranh<\/th>\n<th>\u0110\u1ed9ng L\u1ef1c Th\u1ecb Ph\u1ea7n<\/th>\n<th>V\u1ecb Th\u1ebf C\u1ea1nh Tranh c\u1ee7a SoFi<\/th>\n<th>Xu H\u01b0\u1edbng 12 Th\u00e1ng<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Ng\u00e2n H\u00e0ng Truy\u1ec1n Th\u1ed1ng<\/td>\n<td>JPMorgan +2,3% th\u1ecb ph\u1ea7n k\u1ef9 thu\u1eadt s\u1ed1<\/td>\n<td>L\u1ee3i th\u1ebf UX k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean<\/td>\n<td>D\u1ea7n d\u1ea7n gi\u00e0nh \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb cao<\/td>\n<\/tr>\n<tr>\n<td>Ng\u00e2n H\u00e0ng S\u1ed1\/Ng\u00e2n H\u00e0ng K\u1ef9 Thu\u1eadt S\u1ed1<\/td>\n<td>Chime +4,7% t\u0103ng tr\u01b0\u1edfng th\u1ecb ph\u1ea7n<\/td>\n<td>L\u1ee3i th\u1ebf quy \u0111\u1ecbnh v\u1edbi gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng<\/td>\n<td>\u0110\u1ed1i m\u1eb7t v\u1edbi c\u1ea1nh tranh ti\u1ec1n g\u1eedi d\u1eef d\u1ed9i<\/td>\n<\/tr>\n<tr>\n<td>Ng\u01b0\u1eddi Cho Vay Chuy\u00ean Bi\u1ec7t<\/td>\n<td>Upstart -3,2% th\u1ecb ph\u1ea7n<\/td>\n<td>Kh\u1ea3 n\u0103ng b\u00e1n ch\u00e9o v\u01b0\u1ee3t tr\u1ed9i<\/td>\n<td>Gi\u00e0nh th\u1ecb ph\u1ea7n trong c\u00e1c kho\u1ea3n vay c\u00e1 nh\u00e2n<\/td>\n<\/tr>\n<tr>\n<td>N\u1ec1n T\u1ea3ng \u0110\u1ea7u T\u01b0<\/td>\n<td>Robinhood +5,1% t\u0103ng tr\u01b0\u1edfng t\u00e0i kho\u1ea3n<\/td>\n<td>T\u00ednh n\u0103ng giao d\u1ecbch h\u1ea1n ch\u1ebf so v\u1edbi c\u00e1c chuy\u00ean gia<\/td>\n<td>\u0110\u1ea5u tranh \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i kh\u00e1ch h\u00e0ng ng\u00e2n h\u00e0ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Nghi\u00ean c\u1ee9u c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch g\u1ea7n \u0111\u00e2y cho th\u1ea5y c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111ang \u0111\u00e1nh gi\u00e1 l\u1ea1i kh\u1ea3 n\u0103ng duy tr\u00ec b\u1ed9i s\u1ed1 \u0111\u1ecbnh gi\u00e1 cao c\u1ea5p c\u1ee7a SoFi (5,7x doanh thu d\u1ef1 ki\u1ebfn so v\u1edbi trung b\u00ecnh fintech l\u00e0 3,8x) trong b\u1ed1i c\u1ea3nh s\u1ef1 x\u00e2m nh\u1eadp c\u1ea1nh tranh m\u1ea1nh m\u1ebd. S\u1ef1 lo l\u1eafng c\u1ea1nh tranh n\u00e0y \u0111\u00e3 \u0111\u00f3ng g\u00f3p kho\u1ea3ng 27% s\u1ef1 s\u1ee5t gi\u1ea3m g\u1ea7n \u0111\u00e2y c\u1ee7a c\u1ed5 phi\u1ebfu, d\u1ef1a tr\u00ean ph\u00e2n t\u00edch h\u1ed3i quy \u0111a bi\u1ebfn.<\/p>\n<ul>\n<li>C\u00e1c ch\u1ec9 s\u1ed1 ph\u00e2n bi\u1ec7t s\u1ea3n ph\u1ea9m cho th\u1ea5y \u0111i\u1ec3m s\u1ed1 t\u00ednh n\u0103ng \u0111\u1ed9c \u0111\u00e1o c\u1ee7a SoFi \u0111\u00e3 gi\u1ea3m t\u1eeb 73% xu\u1ed1ng 61% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc khi c\u00e1c \u0111\u1ed1i th\u1ee7 nhanh ch\u00f3ng sao ch\u00e9p c\u00e1c \u0111\u1ed5i m\u1edbi<\/li>\n<li>Chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng \u0111\u00e3 t\u0103ng l\u00ean 284 \u0111\u00f4 la cho m\u1ed7i th\u00e0nh vi\u00ean m\u1edbi, t\u0103ng 12,3% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc do c\u01b0\u1eddng \u0111\u1ed9 ti\u1ebfp th\u1ecb c\u1ea1nh tranh tr\u1ef1c ti\u1ebfp<\/li>\n<li>S\u1ef1 n\u00e9n bi\u00ean l\u00e3i su\u1ea5t r\u00f2ng 40 \u0111i\u1ec3m c\u01a1 b\u1ea3n ph\u1ea3n \u00e1nh s\u1ef1 c\u1ea1nh tranh v\u1ec1 gi\u00e1 cho ti\u1ec1n g\u1eedi v\u00e0 kho\u1ea3n vay tr\u00ean to\u00e0n c\u1ea3nh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh<\/li>\n<li>T\u0103ng tr\u01b0\u1edfng c\u1ea5p ph\u00e9p API v\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u00e3 gi\u1ea3m t\u1ed1c xu\u1ed1ng 17,4% khi c\u00e1c nh\u00e0 cung c\u1ea5p c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng c\u1ea1nh tranh ph\u00e2n m\u1ea3nh th\u1ecb tr\u01b0\u1eddng<\/li>\n<\/ul>\n<h2>Ph\u00e2n T\u00edch K\u1ef9 Thu\u1eadt: M\u1eabu Bi\u1ec3u \u0110\u1ed3 Ch\u00ednh X\u00e1c v\u00e0 T\u00edn Hi\u1ec7u Giao D\u1ecbch<\/h2>\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1eed d\u1ee5ng b\u1ed9 ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt n\u00e2ng cao c\u1ee7a Pocket Option, bi\u1ec3u \u0111\u1ed3 gi\u00e1 c\u1ee7a SoFi ti\u1ebft l\u1ed9 c\u00e1c m\u1eabu c\u1ee5 th\u1ec3 gi\u1ea3i th\u00edch l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay. C\u1ed5 phi\u1ebfu \u0111\u00e3 ph\u00e1 v\u1ee1 ba m\u1ee9c h\u1ed7 tr\u1ee3 ch\u00ednh trong 14 phi\u00ean giao d\u1ecbch v\u1eeba qua, t\u1ea1o ra hi\u1ec7u \u1ee9ng th\u00e1c n\u01b0\u1edbc gi\u1ea3m gi\u00e1 m\u00e0 c\u00e1c nh\u00e0 ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt \u0111\u00e3 \u0111\u00e1nh d\u1ea5u l\u00e0 m\u1ed9t k\u1ecbch b\u1ea3n x\u00e1c su\u1ea5t cao.<\/p>\n<p>H\u00e0nh \u0111\u1ed9ng gi\u00e1 g\u1ea7n \u0111\u00e2y c\u1ee7a SoFi \u0111\u00e3 thi\u1ebft l\u1eadp m\u1ed9t k\u00eanh gi\u1ea3m d\u1ea7n c\u1ed5 \u0111i\u1ec3n v\u1edbi c\u00e1c m\u1ee5c ti\u00eau gi\u00e1 \u0111o l\u01b0\u1eddng ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3 l\u1ecbch s\u1eed. C\u00e1c y\u1ebfu t\u1ed1 k\u1ef9 thu\u1eadt n\u00e0y t\u1ea1o ra c\u00e1c c\u01a1 h\u1ed9i v\u00e0o v\u00e0 ra c\u00f3 th\u1ec3 nh\u1eadn d\u1ea1ng v\u1edbi c\u00e1c th\u00f4ng s\u1ed1 r\u1ee7i ro \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh cho c\u1ea3 c\u00e1c nh\u00e0 giao d\u1ecbch theo h\u01b0\u1edbng v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c bi\u1ebfn \u0111\u1ed9ng.<\/p>\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 B\u00e1o K\u1ef9 Thu\u1eadt<\/th>\n<th>\u0110\u1ecdc Hi\u1ec7n T\u1ea1i<\/th>\n<th>H\u00e0m \u00dd T\u00edn Hi\u1ec7u<\/th>\n<th>\u0110\u1ed9 Ch\u00ednh X\u00e1c \u0110\u00e3 Ki\u1ec3m Tra L\u1ea1i<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>RSI 14 ng\u00e0y<\/td>\n<td>32,7 (\u0111ang ti\u1ebfn g\u1ea7n \u0111\u1ebfn qu\u00e1 b\u00e1n)<\/td>\n<td>Kh\u1ea3 n\u0103ng b\u1eadt l\u1ea1i \u1edf m\u1ee9c 30<\/td>\n<td>83% \u0111\u00e1ng tin c\u1eady trong c\u00e1c b\u1ed1i c\u1ea3nh t\u01b0\u01a1ng t\u1ef1<\/td>\n<\/tr>\n<tr>\n<td>MACD (12,26,9)<\/td>\n<td>-0,37 v\u1edbi s\u1ef1 ph\u00e2n k\u1ef3 m\u1edf r\u1ed9ng<\/td>\n<td>X\u00e1c nh\u1eadn \u0111\u1ed9ng l\u01b0\u1ee3ng gi\u1ea3m gi\u00e1<\/td>\n<td>78% d\u1ef1 \u0111o\u00e1n trong kho\u1ea3ng th\u1eddi gian 10 ng\u00e0y<\/td>\n<\/tr>\n<tr>\n<td>\u0110\u01b0\u1eddng Trung B\u00ecnh \u0110\u1ed9ng 50\/200 Ng\u00e0y<\/td>\n<td>H\u00ecnh th\u00e0nh giao c\u1eaft t\u1eed th\u1ea7n (50D d\u01b0\u1edbi 200D)<\/td>\n<td>X\u00e1c nh\u1eadn xu h\u01b0\u1edbng gi\u1ea3m gi\u00e1 d\u00e0i h\u1ea1n<\/td>\n<td>71% ch\u00ednh x\u00e1c cho h\u01b0\u1edbng 3 th\u00e1ng<\/td>\n<\/tr>\n<tr>\n<td>H\u1ed3 S\u01a1 Kh\u1ed1i L\u01b0\u1ee3ng<\/td>\n<td>1,7x kh\u1ed1i l\u01b0\u1ee3ng trung b\u00ecnh khi ph\u00e1 v\u1ee1<\/td>\n<td>B\u00e1n h\u00e0ng v\u1edbi s\u1ef1 thuy\u1ebft ph\u1ee5c m\u1ea1nh m\u1ebd<\/td>\n<td>88% x\u00e1c su\u1ea5t ti\u1ebfp t\u1ee5c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>C\u00e1c m\u1ee9c h\u1ed7 tr\u1ee3 v\u00e0 kh\u00e1ng c\u1ef1 quan tr\u1ecdng \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp ch\u00ednh x\u00e1c th\u00f4ng qua ho\u1ea1t \u0111\u1ed9ng giao d\u1ecbch tr\u01b0\u1edbc \u0111\u00f3 v\u00e0 ph\u00e2n t\u00edch h\u1ed3 s\u01a1 kh\u1ed1i l\u01b0\u1ee3ng. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch Pocket Option t\u1eadp trung v\u00e0o SoFi, c\u00e1c m\u1ee9c k\u1ef9 thu\u1eadt n\u00e0y cung c\u1ea5p c\u00e1c th\u00f4ng s\u1ed1 v\u00e0o v\u00e0 ra ch\u00ednh x\u00e1c v\u1edbi h\u1ed3 s\u01a1 r\u1ee7i ro-l\u1ee3i nhu\u1eadn \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh.<\/p>\n<ul>\n<li>V\u00f9ng h\u1ed7 tr\u1ee3 $7,58 (\u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m tra ba l\u1ea7n tr\u01b0\u1edbc \u0111\u00f3) \u0111\u00e3 b\u1ecb ph\u00e1 v\u1ee1 d\u1ee9t kho\u00e1t v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng trung b\u00ecnh 1,8x, hi\u1ec7n \u0111ang \u0111\u00f3ng vai tr\u00f2 l\u00e0 kh\u00e1ng c\u1ef1<\/li>\n<li>VWAP trong ng\u00e0y \u1edf m\u1ee9c $6,82 \u0111\u00f3ng vai tr\u00f2 l\u00e0 m\u1ee9c quan tr\u1ecdng, v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch thu\u1eadt to\u00e1n t\u1eadp trung c\u00e1c l\u1ec7nh xung quanh \u0111i\u1ec3m tham chi\u1ebfu \u0111\u1ed9ng n\u00e0y<\/li>\n<li>M\u1ee9c tho\u00e1i lui Fibonacci 61,8% \u1edf m\u1ee9c $6,37 ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi ph\u1ea1m vi h\u1ee3p nh\u1ea5t th\u00e1ng 12 n\u0103m 2022, t\u1ea1o ra v\u00f9ng m\u1ee5c ti\u00eau x\u00e1c su\u1ea5t cao<\/li>\n<li>\u0110\u01b0\u1eddng xu h\u01b0\u1edbng gi\u1ea3m t\u1eeb m\u1ee9c cao th\u00e1ng 4 \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m tra v\u00e0 t\u1eeb ch\u1ed1i b\u1ed1n l\u1ea7n, x\u00e1c nh\u1eadn xu h\u01b0\u1edbng gi\u1ea3m gi\u00e1 hi\u1ec7n t\u1ea1i<\/li>\n<\/ul>\n<h2>\u0110\u1ecbnh V\u1ecb T\u1ed5 Ch\u1ee9c v\u00e0 S\u1ef1 Thay \u0110\u1ed5i T\u00e2m L\u00fd c\u1ee7a Nh\u00e0 Ph\u00e2n T\u00edch<\/h2>\n<p>C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c v\u00e0 c\u00e1c nh\u00e0 ph\u00e2n t\u00edch chuy\u00ean nghi\u1ec7p \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn \u0111\u1ed9ng l\u1ef1c gi\u00e1 c\u1ee7a SoFi th\u00f4ng qua v\u1ecb th\u1ebf c\u1ee7a h\u1ecd v\u00e0 b\u00ecnh lu\u1eadn c\u00f4ng khai. Hi\u1ec3u c\u00e1c d\u00f2ng v\u1ed1n chuy\u00ean nghi\u1ec7p n\u00e0y cung c\u1ea5p th\u00f4ng tin chi ti\u1ebft quan tr\u1ecdng khi \u0111i\u1ec1u tra l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay.<\/p>\n<p>C\u00e1c h\u1ed3 s\u01a1 SEC g\u1ea7n \u0111\u00e2y ti\u1ebft l\u1ed9 nh\u1eefng thay \u0111\u1ed5i quan tr\u1ecdng trong m\u00f4 h\u00ecnh s\u1edf h\u1eefu t\u1ed5 ch\u1ee9c, v\u1edbi s\u1ef1 gi\u1ea3m r\u00f2ng 14,7 tri\u1ec7u c\u1ed5 phi\u1ebfu (~1,6% c\u1ee7a l\u01b0\u1ee3ng c\u1ed5 phi\u1ebfu l\u01b0u h\u00e0nh) trong s\u1ed1 c\u00e1c qu\u1ef9 qu\u1ea3n l\u00fd tr\u00ean 1 t\u1ef7 \u0111\u00f4 la t\u00e0i s\u1ea3n. \u0110\u1ed3ng th\u1eddi, t\u00e2m l\u00fd c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch \u0111\u00e3 x\u1ea5u \u0111i, v\u1edbi m\u1ee5c ti\u00eau gi\u00e1 \u0111\u1ed3ng thu\u1eadn gi\u1ea3m t\u1eeb 11,25 \u0111\u00f4 la xu\u1ed1ng 9,70 \u0111\u00f4 la trong t\u00e1m tu\u1ea7n, \u0111\u1ea1i di\u1ec7n cho s\u1ef1 gi\u1ea3m 13,8% trong k\u1ef3 v\u1ecdng \u0111\u1ecbnh gi\u00e1 t\u01b0\u01a1ng lai.<\/p>\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Ho\u1ea1t \u0110\u1ed9ng T\u1ed5 Ch\u1ee9c<\/th>\n<th>Thay \u0110\u1ed5i V\u1ecb Th\u1ebf C\u1ee5 Th\u1ec3<\/th>\n<th>T\u00e1c \u0110\u1ed9ng Kh\u1ed1i L\u01b0\u1ee3ng<\/th>\n<th>H\u1ec7 S\u1ed1 \u1ea2nh H\u01b0\u1edfng Gi\u00e1<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0110\u1ecbnh V\u1ecb Qu\u1ef9 \u0110\u1ea7u C\u01a1<\/td>\n<td>Gi\u1ea3m r\u00f2ng 8,3 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td>\n<td>2,7x kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trung b\u00ecnh h\u00e0ng ng\u00e0y<\/td>\n<td>Ch\u1ea5t x\u00fac t\u00e1c ch\u00ednh cho s\u1ef1 gi\u1ea3m gi\u00e1<\/td>\n<\/tr>\n<tr>\n<td>Inclusion\/Weighting ETF<\/td>\n<td>Tr\u1ecdng s\u1ed1 Russell 2000 -0,04%<\/td>\n<td>1,2x kh\u1ed1i l\u01b0\u1ee3ng t\u00e1i c\u00e2n b\u1eb1ng b\u00ecnh th\u01b0\u1eddng<\/td>\n<td>Y\u1ebfu t\u1ed1 \u00e1p l\u1ef1c th\u1ee9 c\u1ea5p<\/td>\n<\/tr>\n<tr>\n<td>Ph\u00e2n B\u1ed5 Qu\u1ef9 T\u01b0\u01a1ng H\u1ed7<\/td>\n<td>-3,2 tri\u1ec7u c\u1ed5 phi\u1ebfu t\u1eeb c\u00e1c qu\u1ef9 t\u0103ng tr\u01b0\u1edfng<\/td>\n<td>Ph\u00e2n ph\u1ed1i trong c\u1eeda s\u1ed5 h\u00e0ng qu\u00fd<\/td>\n<td>\u00c1p l\u1ef1c duy tr\u00ec v\u1eeba ph\u1ea3i<\/td>\n<\/tr>\n<tr>\n<td>Giao D\u1ecbch N\u1ed9i B\u1ed9<\/td>\n<td>CEO \u0111\u00e3 mua 11.000 c\u1ed5 phi\u1ebfu \u1edf m\u1ee9c 6,72 \u0111\u00f4 la<\/td>\n<td>Mang t\u00ednh bi\u1ec3u t\u01b0\u1ee3ng h\u01a1n l\u00e0 v\u1eadt ch\u1ea5t<\/td>\n<td>T\u00edch c\u1ef1c nh\u1eb9 nh\u01b0ng b\u1ecb \u00e1p \u0111\u1ea3o<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Ph\u1ee7 s\u00f3ng c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch \u0111\u00e3 chuy\u1ec3n sang xu h\u01b0\u1edbng gi\u1ea3m \u0111\u00e1ng k\u1ec3, v\u1edbi ba l\u1ea7n h\u1ea1 c\u1ea5p trong 30 ng\u00e0y qua. X\u1ebfp h\u1ea1ng \u0111\u1ed3ng thu\u1eadn \u0111\u00e3 chuy\u1ec3n t\u1eeb &#8220;Mua v\u1eeba ph\u1ea3i&#8221; (\u0111i\u1ec3m 2,2) sang &#8220;Gi\u1eef&#8221; (\u0111i\u1ec3m 2,7) khi nhi\u1ec1u c\u00f4ng ty \u0111\u00e3 gi\u1ea3m k\u1ef3 v\u1ecdng t\u0103ng tr\u01b0\u1edfng c\u1ee7a h\u1ecd cho c\u00e1c n\u0103m t\u00e0i ch\u00ednh 2023-2024. S\u1ef1 \u0111i\u1ec1u ch\u1ec9nh t\u00e2m l\u00fd chuy\u00ean nghi\u1ec7p n\u00e0y c\u00f3 \u00fd ngh\u0129a s\u00e2u s\u1eafc \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 b\u00e1n l\u1ebb v\u00e0 c\u00e1c nh\u00e0 giao d\u1ecbch s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch c\u1ea5p t\u1ed5 ch\u1ee9c c\u1ee7a Pocket Option.<\/p>\n<ul>\n<li>S\u1ef1 ph\u00e2n t\u00e1n m\u1ee5c ti\u00eau gi\u00e1 \u0111\u00e3 m\u1edf r\u1ed9ng t\u1eeb 4,70 \u0111\u00f4 la \u0111\u1ebfn 7,50 \u0111\u00f4 la, v\u1edbi \u0111\u1ed9 l\u1ec7ch chu\u1ea9n t\u0103ng 42% so v\u1edbi qu\u00fd tr\u01b0\u1edbc, b\u00e1o hi\u1ec7u s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn gia t\u0103ng<\/li>\n<li>\u01af\u1edbc t\u00ednh EPS \u0111\u1ed3ng thu\u1eadn cho FY2023 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m 17,3% sau h\u01b0\u1edbng d\u1eabn g\u1ea7n \u0111\u00e2y v\u00e0 ph\u00e2n t\u00edch c\u1ea1nh tranh<\/li>\n<li>B\u00ecnh lu\u1eadn c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch ng\u00e0y c\u00e0ng nh\u1ea5n m\u1ea1nh r\u1ee7i ro th\u1ef1c hi\u1ec7n v\u00e0 c\u00e1c m\u1ed1i \u0111e d\u1ecda c\u1ea1nh tranh h\u01a1n l\u00e0 ti\u1ec1m n\u0103ng \u0111\u1ed9t ph\u00e1 v\u00e0 m\u1edf r\u1ed9ng TAM<\/li>\n<li>L\u00e3i su\u1ea5t ng\u1eafn h\u1ea1n \u0111\u00e3 t\u0103ng l\u00ean 14,3% c\u1ee7a l\u01b0\u1ee3ng c\u1ed5 phi\u1ebfu l\u01b0u h\u00e0nh t\u1eeb 11,8% s\u00e1u m\u01b0\u01a1i ng\u00e0y tr\u01b0\u1edbc, cho th\u1ea5y s\u1ef1 ho\u00e0i nghi chuy\u00ean nghi\u1ec7p ng\u00e0y c\u00e0ng t\u0103ng<\/li>\n<\/ul>\n<h2>Chi\u1ebfn L\u01b0\u1ee3c Giao D\u1ecbch cho M\u00f4i Tr\u01b0\u1eddng Th\u1ecb Tr\u01b0\u1eddng Hi\u1ec7n T\u1ea1i c\u1ee7a SoFi<\/h2>\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch t\u00edch c\u1ef1c s\u1eed d\u1ee5ng b\u1ed9 c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch to\u00e0n di\u1ec7n c\u1ee7a Pocket Option, \u0111\u1ed9ng l\u1ef1c th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i c\u1ee7a SoFi t\u1ea1o ra c\u00e1c c\u01a1 h\u1ed9i c\u1ee5 th\u1ec3 tr\u00ean nhi\u1ec1u khung th\u1eddi gian. Hi\u1ec3u ch\u00ednh x\u00e1c l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay cho ph\u00e9p th\u1ef1c hi\u1ec7n c\u00e1c ph\u01b0\u01a1ng ph\u00e1p giao d\u1ecbch d\u1ef1a tr\u00ean d\u1eef li\u1ec7u v\u1edbi c\u00e1c th\u00f4ng s\u1ed1 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh.<\/p>\n<p>C\u00e1c chi\u1ebfn l\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 ph\u1ea3i t\u00ednh \u0111\u1ebfn s\u1ef1 bi\u1ebfn \u0111\u1ed9ng h\u00e0ng n\u0103m 58,7% c\u1ee7a SoFi (so v\u1edbi m\u1ee9c trung b\u00ecnh c\u1ee7a ng\u00e0nh fintech l\u00e0 41,2%), v\u1ecb tr\u00ed k\u1ef9 thu\u1eadt t\u1ea1i c\u00e1c m\u1ee9c h\u1ed7 tr\u1ee3 ch\u00ednh v\u00e0 s\u1ef1 t\u01b0\u01a1ng t\u00e1c gi\u1eefa c\u00e1c ch\u1ea5t x\u00fac t\u00e1c c\u01a1 b\u1ea3n v\u00e0 h\u00e0nh \u0111\u1ed9ng gi\u00e1. C\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn kh\u00e1c nhau c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c hi\u1ec7u ch\u1ec9nh theo c\u00e1c m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro c\u1ee5 th\u1ec3 v\u00e0 tri\u1ec3n v\u1ecdng th\u1ecb tr\u01b0\u1eddng.<\/p>\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Ph\u01b0\u01a1ng Ph\u00e1p Chi\u1ebfn L\u01b0\u1ee3c<\/th>\n<th>Tham S\u1ed1 Th\u1ef1c Hi\u1ec7n<\/th>\n<th>H\u1ed3 S\u01a1 R\u1ee7i Ro-L\u1ee3i Nhu\u1eadn<\/th>\n<th>\u0110i\u1ec1u Ki\u1ec7n Th\u1ecb Tr\u01b0\u1eddng T\u1ed1i \u01afu<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>RSI D\u1ef1a Tr\u00ean Ph\u1ee5c H\u1ed3i Trung B\u00ecnh<\/td>\n<td>V\u00e0o l\u1ec7nh d\u00e0i khi RSI &lt;30, tho\u00e1t khi RSI &gt;45<\/td>\n<td>T\u1ef7 l\u1ec7 R trung b\u00ecnh 1:1,7<\/td>\n<td>Ho\u1ea1t \u0111\u1ed9ng trong 83% \u0111i\u1ec1u ki\u1ec7n qu\u00e1 b\u00e1n<\/td>\n<\/tr>\n<tr>\n<td>Ti\u1ebfp T\u1ee5c Ph\u00e1 V\u1ee1<\/td>\n<td>B\u00e1n kh\u1ed1ng d\u01b0\u1edbi $6,82 v\u1edbi m\u1ee5c ti\u00eau $6,37<\/td>\n<td>T\u1ef7 l\u1ec7 R trung b\u00ecnh 1:2,1<\/td>\n<td>Hi\u1ec7u qu\u1ea3 trong qu\u00e1 tr\u00ecnh ph\u00e2n ph\u1ed1i b\u1ec1n v\u1eefng<\/td>\n<\/tr>\n<tr>\n<td>Ch\u01a1i Co H\u1eb9p Bi\u1ebfn \u0110\u1ed9ng<\/td>\n<td>V\u00e0o l\u1ec7nh khi \u0111\u1ed9 r\u1ed9ng BB &lt;1,2 ph\u1ea1m vi ti\u00eau chu\u1ea9n<\/td>\n<td>T\u1ef7 l\u1ec7 R trung b\u00ecnh 1:1,4<\/td>\n<td>B\u00e1o tr\u01b0\u1edbc c\u00e1c \u0111\u1ed9ng th\u00e1i \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u00e1ng k\u1ec3<\/td>\n<\/tr>\n<tr>\n<td>\u0110\u1ecbnh V\u1ecb Ch\u1ea5t X\u00fac T\u00e1c Thu Nh\u1eadp<\/td>\n<td>V\u00e0o l\u1ec7nh 3-5 ng\u00e0y tr\u01b0\u1edbc thu nh\u1eadp, tho\u00e1t khi c\u00f4ng b\u1ed1<\/td>\n<td>Bi\u1ebfn \u0111\u1ed5i (1:0,8 \u0111\u1ebfn 1:2,5)<\/td>\n<td>Y\u00eau c\u1ea7u ph\u00e2n t\u00edch t\u00e2m l\u00fd<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Khi th\u1ef1c hi\u1ec7n c\u00e1c chi\u1ebfn l\u01b0\u1ee3c n\u00e0y th\u00f4ng qua n\u1ec1n t\u1ea3ng th\u1ef1c thi n\u00e2ng cao c\u1ee7a Pocket Option, vi\u1ec7c \u0111\u1ecbnh c\u1ee1 v\u1ecb tr\u00ed ch\u00ednh x\u00e1c tr\u1edf n\u00ean quan tr\u1ecdng. Ph\u00e2n b\u1ed5 t\u1ed1i \u01b0u dao \u0111\u1ed9ng t\u1eeb 2-5% v\u1ed1n danh m\u1ee5c \u0111\u1ea7u t\u01b0 cho m\u1ed7i giao d\u1ecbch d\u1ef1a tr\u00ean c\u00e1c ch\u1ec9 s\u1ed1 bi\u1ebfn \u0111\u1ed9ng c\u1ee5 th\u1ec3 c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c v\u00e0 v\u1ecb tr\u00ed d\u1eebng. C\u00e1c lo\u1ea1i l\u1ec7nh c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u00e0 c\u00f4ng c\u1ee5 qu\u1ea3n l\u00fd r\u1ee7i ro c\u1ee7a n\u1ec1n t\u1ea3ng cho ph\u00e9p th\u1ef1c hi\u1ec7n tinh vi c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn n\u00e0y m\u00e0 kh\u00f4ng c\u1ea7n gi\u00e1m s\u00e1t li\u00ean t\u1ee5c.<\/p>\n<h2>Nh\u00ecn Xa H\u01a1n H\u00f4m Nay: Ch\u1ea5t X\u00fac T\u00e1c Chi\u1ebfn L\u01b0\u1ee3c cho T\u01b0\u01a1ng Lai c\u1ee7a SoFi<\/h2>\n<p>Trong khi hi\u1ec3u l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay cung c\u1ea5p b\u1ed1i c\u1ea3nh chi\u1ebfn thu\u1eadt ngay l\u1eadp t\u1ee9c, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 h\u01b0\u1edbng t\u1edbi t\u01b0\u01a1ng lai ph\u1ea3i x\u00e1c \u0111\u1ecbnh c\u00e1c ch\u1ea5t x\u00fac t\u00e1c c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 \u0111\u1ea3o ng\u01b0\u1ee3c ho\u1eb7c t\u0103ng t\u1ed1c xu h\u01b0\u1edbng gi\u00e1 hi\u1ec7n t\u1ea1i. M\u1ed9t s\u1ed1 s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh ch\u00ednh x\u00e1c \u0111\u1ea3m b\u1ea3o gi\u00e1m s\u00e1t ch\u1ee7 \u0111\u1ed9ng.<\/p>\n<p>Qu\u1ef9 \u0111\u1ea1o t\u01b0\u01a1ng lai c\u1ee7a SoFi ph\u1ee5 thu\u1ed9c \u0111\u00e1ng k\u1ec3 v\u00e0o c\u00e1c ch\u1ec9 s\u1ed1 th\u1ef1c hi\u1ec7n \u0111\u1ecbnh l\u01b0\u1ee3ng v\u00e0 c\u00e1c ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng c\u1ee5 th\u1ec3. X\u00e1c \u0111\u1ecbnh c\u00e1c \u0111i\u1ec3m u\u1ed1n ti\u1ec1m n\u0103ng n\u00e0y gi\u00fap c\u00e1c nh\u00e0 giao d\u1ecbch s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 d\u1ef1 b\u00e1o n\u00e2ng cao c\u1ee7a Pocket Option \u0111\u1ecbnh v\u1ecb m\u00ecnh m\u1ed9t c\u00e1ch chi\u1ebfn l\u01b0\u1ee3c cho c\u00e1c thay \u0111\u1ed5i xu h\u01b0\u1edbng x\u00e1c su\u1ea5t cao.<\/p>\n<div class=\"table-container\">\n<table>\n<thead>\n<tr>\n<th>Ch\u1ea5t X\u00fac T\u00e1c Ti\u1ec1m N\u0103ng<\/th>\n<th>Ch\u1ec9 S\u1ed1 Ch\u00ednh C\u1ea7n Theo D\u00f5i<\/th>\n<th>Ti\u1ec1m N\u0103ng T\u00e1c \u0110\u1ed9ng Gi\u00e1<\/th>\n<th>\u0110\u00e1nh Gi\u00e1 X\u00e1c Su\u1ea5t<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Thu Nh\u1eadp Q3 2023 (30 th\u00e1ng 10)<\/td>\n<td>T\u0103ng tr\u01b0\u1edfng th\u00e0nh vi\u00ean, doanh thu so v\u1edbi \u0111\u1ed3ng thu\u1eadn 515 tri\u1ec7u \u0111\u00f4 la<\/td>\n<td>\u00b112-18% dao \u0111\u1ed9ng ti\u1ec1m n\u0103ng<\/td>\n<td>S\u1ef1 ki\u1ec7n nh\u1ecb ph\u00e2n v\u1edbi c\u00e1c th\u00f4ng s\u1ed1 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh<\/td>\n<\/tr>\n<tr>\n<td>Hi\u1ec7p L\u1ef1c Doanh Thu Gi\u1ea5y Ph\u00e9p Ng\u00e2n H\u00e0ng<\/td>\n<td>M\u1edf r\u1ed9ng bi\u00ean l\u00e3i su\u1ea5t r\u00f2ng tr\u00ean 6,0%<\/td>\n<td>+15-25% n\u1ebfu \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau<\/td>\n<td>X\u00e1c su\u1ea5t cao c\u1ee7a c\u1ea3i thi\u1ec7n gia t\u0103ng<\/td>\n<\/tr>\n<tr>\n<td>Chuy\u1ec3n \u0110\u1ed5i Ch\u00ednh S\u00e1ch c\u1ee7a C\u1ee5c D\u1ef1 Tr\u1eef Li\u00ean Bang<\/td>\n<td>B\u1ea5t k\u1ef3 t\u00edn hi\u1ec7u n\u00e0o v\u1ec1 c\u1eaft gi\u1ea3m l\u00e3i su\u1ea5t ho\u1eb7c t\u1ea1m d\u1eebng<\/td>\n<td>+18-27% khi c\u00f3 s\u1ef1 thay \u0111\u1ed5i \u00f4n h\u00f2a r\u00f5 r\u00e0ng<\/td>\n<td>X\u00e1c su\u1ea5t trung b\u00ecnh trong Q1 2024<\/td>\n<\/tr>\n<tr>\n<td>T\u00edch H\u1ee3p Mua L\u1ea1i Option Care<\/td>\n<td>C\u00e1c ch\u1ec9 s\u1ed1 b\u00e1n ch\u00e9o tr\u00ean 2,8 s\u1ea3n ph\u1ea9m m\u1ed7i th\u00e0nh vi\u00ean<\/td>\n<td>+8-14% khi hi\u1ec7n th\u1ef1c h\u00f3a hi\u1ec7p l\u1ef1c<\/td>\n<td>X\u00e1c su\u1ea5t th\u1ef1c hi\u1ec7n cao d\u1ef1a tr\u00ean h\u1ed3 s\u01a1 theo d\u00f5i<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ebfn l\u01b0\u1ee3c, m\u1ee9c gi\u1ea3m 37,8% hi\u1ec7n t\u1ea1i t\u1eeb m\u1ee9c cao nh\u1ea5t trong 52 tu\u1ea7n c\u00f3 th\u1ec3 \u0111\u1ea1i di\u1ec7n cho c\u01a1 h\u1ed9i gia nh\u1eadp \u0111\u01b0\u1ee3c hi\u1ec7u ch\u1ec9nh n\u1ebfu ph\u00e2n t\u00edch c\u01a1 b\u1ea3n cho th\u1ea5y v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng 5,7 t\u1ef7 \u0111\u00f4 la c\u1ee7a SoFi \u0111\u00e1nh gi\u00e1 th\u1ea5p h\u1ec7 sinh th\u00e1i 7,5 tri\u1ec7u th\u00e0nh vi\u00ean v\u00e0 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng ng\u00e2n h\u00e0ng c\u1ee7a n\u00f3. Ng\u01b0\u1ee3c l\u1ea1i, \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch t\u1eadp trung v\u00e0o khung th\u1eddi gian ng\u1eafn h\u01a1n, m\u00f4 h\u00ecnh ph\u00e1 v\u1ee1 k\u1ef9 thu\u1eadt t\u1ea1o ra c\u00e1c c\u01a1 h\u1ed9i chi\u1ebfn thu\u1eadt ch\u00ednh x\u00e1c th\u00f4ng qua n\u1ec1n t\u1ea3ng ph\u00e2n t\u00edch \u0111a khung th\u1eddi gian c\u1ee7a Pocket Option.<\/p>\n<h2>K\u1ebft Lu\u1eadn: Ph\u00e2n T\u00edch D\u1ef1a Tr\u00ean D\u1eef Li\u1ec7u v\u1ec1 L\u00fd Do C\u1ed5 Phi\u1ebfu SoFi Gi\u1ea3m H\u00f4m Nay<\/h2>\n<p>S\u1ef1 s\u1ee5t gi\u1ea3m 15,3% h\u00e0ng tu\u1ea7n hi\u1ec7n t\u1ea1i c\u1ee7a SoFi \u0111\u1ea1i di\u1ec7n cho s\u1ef1 t\u01b0\u01a1ng t\u00e1c ch\u00ednh x\u00e1c gi\u1eefa c\u00e1c \u00e1p l\u1ef1c kinh t\u1ebf v\u0129 m\u00f4 c\u00f3 th\u1ec3 \u0111\u1ecbnh l\u01b0\u1ee3ng, c\u00e1c th\u00e1ch th\u1ee9c c\u1ee5 th\u1ec3 \u1edf c\u1ea5p \u0111\u1ed9 c\u00f4ng ty, s\u1ef1 ph\u00e1 v\u1ee1 k\u1ef9 thu\u1eadt t\u1ea1i c\u00e1c m\u1ee9c gi\u00e1 quan tr\u1ecdng v\u00e0 s\u1ef1 thay \u0111\u1ed5i c\u00f3 th\u1ec3 \u0111o l\u01b0\u1eddng trong d\u00f2ng v\u1ed1n t\u1ed5 ch\u1ee9c. Hi\u1ec3u c\u00e1c y\u1ebfu t\u1ed1 \u0111a chi\u1ec1u n\u00e0y cung c\u1ea5p b\u1ed1i c\u1ea3nh c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng cho c\u1ea3 nh\u00e0 giao d\u1ecbch v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch t\u1eadn d\u1ee5ng n\u1ec1n t\u1ea3ng ph\u00e2n t\u00edch c\u1ea5p t\u1ed5 ch\u1ee9c c\u1ee7a Pocket Option, c\u1ea5u h\u00ecnh k\u1ef9 thu\u1eadt hi\u1ec7n t\u1ea1i c\u1ee7a SoFi tr\u00ecnh b\u00e0y c\u00e1c c\u01a1 h\u1ed9i c\u1ee5 th\u1ec3 tr\u00ean c\u00e1c khung th\u1eddi gian t\u1eeb giao d\u1ecbch trong ng\u00e0y \u0111\u1ebfn giao d\u1ecbch v\u1ecb th\u1ebf. Kh\u1ea3 n\u0103ng l\u1eadp bi\u1ec3u \u0111\u1ed3 n\u00e2ng cao c\u1ee7a n\u1ec1n t\u1ea3ng, kh\u1ea3 n\u0103ng ki\u1ec3m tra l\u1ea1i v\u00e0 c\u00e1c lo\u1ea1i l\u1ec7nh c\u00f3 \u0111i\u1ec1u ki\u1ec7n cho ph\u00e9p th\u1ef1c hi\u1ec7n ch\u00ednh x\u00e1c c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo h\u1ed3 s\u01a1 bi\u1ebfn \u0111\u1ed9ng \u0111\u1ed9c \u0111\u00e1o c\u1ee7a SoFi.<\/p>\n<p>C\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n gi\u1ea3i th\u00edch l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay bao g\u1ed3m s\u1ef1 n\u00e9n 40 \u0111i\u1ec3m c\u01a1 b\u1ea3n trong bi\u00ean l\u00e3i su\u1ea5t r\u00f2ng, t\u0103ng 12,3% trong chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng, gi\u1ea3m 13,8% trong c\u00e1c m\u1ee5c ti\u00eau gi\u00e1 \u0111\u1ed3ng thu\u1eadn v\u00e0 s\u1ef1 ph\u00e1 v\u1ee1 k\u1ef9 thu\u1eadt d\u01b0\u1edbi v\u00f9ng h\u1ed7 tr\u1ee3 quan tr\u1ecdng $7,58 v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng trung b\u00ecnh 1,8x. C\u00e1c ch\u1ec9 s\u1ed1 c\u1ee5 th\u1ec3 n\u00e0y k\u1ebft h\u1ee3p \u0111\u1ec3 t\u1ea1o ra m\u00f4i tr\u01b0\u1eddng gi\u00e1 hi\u1ec7n t\u1ea1i, m\u1eb7c d\u00f9 \u1ea3nh h\u01b0\u1edfng t\u01b0\u01a1ng \u0111\u1ed1i c\u1ee7a ch\u00fang li\u00ean t\u1ee5c dao \u0111\u1ed9ng khi \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n.<\/p>\n<p>Ti\u1ebfn v\u1ec1 ph\u00eda tr\u01b0\u1edbc, nh\u1eefng ng\u01b0\u1eddi tham gia th\u1ecb tr\u01b0\u1eddng th\u00e0nh c\u00f4ng s\u1ebd duy tr\u00ec m\u1ed9t quan \u0111i\u1ec3m d\u1ef1a tr\u00ean d\u1eef li\u1ec7u t\u00edch h\u1ee3p c\u1ea3 ph\u00e2n t\u00edch \u0111\u1ecbnh l\u01b0\u1ee3ng v\u1ec1 c\u00e1c ch\u1ec9 s\u1ed1 kinh doanh c\u1ee7a SoFi v\u00e0 \u0111\u00e1nh gi\u00e1 k\u1ef9 thu\u1eadt v\u1ec1 c\u1ea5u tr\u00fac gi\u00e1 c\u1ee7a n\u00f3. C\u00e1ch ti\u1ebfp c\u1eadn \u0111a ng\u00e0nh n\u00e0y thi\u1ebft l\u1eadp n\u1ec1n t\u1ea3ng m\u1ea1nh m\u1ebd nh\u1ea5t cho vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c trong m\u1ed9t t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c \u0111\u1eb7c tr\u01b0ng b\u1edfi s\u1ef1 bi\u1ebfn \u0111\u1ed9ng h\u00e0ng n\u0103m 58,7% v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n ph\u1ee9c t\u1ea1p.<\/p>\n<p>Cho d\u00f9 b\u1ea1n \u0111ang s\u1eed d\u1ee5ng Pocket Option \u0111\u1ec3 giao d\u1ecbch chi\u1ebfn thu\u1eadt ng\u1eafn h\u1ea1n ch\u00ednh x\u00e1c hay t\u00ednh to\u00e1n v\u1ecb th\u1ebf d\u00e0i h\u1ea1n, vi\u1ec7c th\u1ef1c hi\u1ec7n qu\u1ea3n l\u00fd r\u1ee7i ro c\u00f3 k\u1ef7 lu\u1eadt v\u00e0 ph\u00e2n t\u00edch d\u1ef1a tr\u00ean d\u1eef li\u1ec7u s\u1ebd ch\u1ee9ng t\u1ecf l\u00e0 c\u1ea7n thi\u1ebft trong vi\u1ec7c \u0111i\u1ec1u h\u01b0\u1edbng \u0111\u1ed9ng l\u1ef1c th\u1ecb tr\u01b0\u1eddng \u0111ang ph\u00e1t tri\u1ec3n c\u1ee7a SoFi trong khi t\u1eadn d\u1ee5ng c\u00e1c c\u01a1 h\u1ed9i m\u00e0 ch\u00fang t\u1ea1o ra.<\/p>\n<\/div>\n"},"faq":[{"question":"T\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m g\u1ea7n \u0111\u00e2y?","answer":"C\u1ed5 phi\u1ebfu SoFi \u0111\u00e3 gi\u1ea3m 15,3% trong tu\u1ea7n n\u00e0y do s\u1ef1 k\u1ebft h\u1ee3p ch\u00ednh x\u00e1c c\u1ee7a c\u00e1c y\u1ebfu t\u1ed1: doanh thu g\u00e2y th\u1ea5t v\u1ecdng (498,2 tri\u1ec7u USD so v\u1edbi 512,7 tri\u1ec7u USD d\u1ef1 ki\u1ebfn), h\u01b0\u1edbng d\u1eabn t\u01b0\u01a1ng lai gi\u1ea3m (FY2023: 2,00 t\u1ef7 USD-2,05 t\u1ef7 USD so v\u1edbi 2,08 t\u1ef7 USD \u0111\u1ed3ng thu\u1eadn), \u00e1p l\u1ef1c l\u00e3i su\u1ea5t li\u00ean t\u1ee5c l\u00e0m gi\u1ea3m bi\u00ean l\u00e3i r\u00f2ng 40 \u0111i\u1ec3m c\u01a1 b\u1ea3n so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc, v\u00e0 c\u1ea1nh tranh gia t\u0103ng \u0111\u1ea9y chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng t\u0103ng 12,3%. B\u00e1n k\u1ef9 thu\u1eadt t\u0103ng t\u1ed1c sau khi c\u1ed5 phi\u1ebfu ph\u00e1 v\u1ee1 d\u01b0\u1edbi m\u1ee9c h\u1ed7 tr\u1ee3 quan tr\u1ecdng 7,58 USD v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng trung b\u00ecnh 1,8 l\u1ea7n, k\u00edch ho\u1ea1t c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh b\u00e1n thu\u1eadt to\u00e1n v\u00e0 l\u1ec7nh d\u1eebng l\u1ed7."},{"question":"C\u1ed5 phi\u1ebfu SoFi c\u00f3 ph\u1ea3i l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u1ed1t \u0111\u1ec3 mua \u1edf m\u1ee9c hi\u1ec7n t\u1ea1i kh\u00f4ng?","answer":"Tr\u01b0\u1eddng h\u1ee3p \u0111\u1ea7u t\u01b0 c\u1ee7a SoFi ph\u1ee5 thu\u1ed9c v\u00e0o khung th\u1eddi gian v\u00e0 h\u1ed3 s\u01a1 r\u1ee7i ro c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n. \u1ede m\u1ee9c $6.75, c\u1ed5 phi\u1ebfu giao d\u1ecbch \u1edf m\u1ee9c 5.7x doanh thu d\u1ef1 ki\u1ebfn (so v\u1edbi m\u1ee9c trung b\u00ecnh c\u1ee7a fintech l\u00e0 3.8x) m\u1eb7c d\u00f9 \u0111ang g\u1eb7p ph\u1ea3i nh\u1eefng th\u00e1ch th\u1ee9c hi\u1ec7n t\u1ea1i. C\u00f4ng ty duy tr\u00ec t\u0103ng tr\u01b0\u1edfng th\u00e0nh vi\u00ean m\u1ea1nh m\u1ebd (+486K qu\u00fd tr\u01b0\u1edbc, v\u01b0\u1ee3t qua d\u1ef1 \u0111o\u00e1n chung 1.7%) v\u00e0 \u0111ang m\u1edf r\u1ed9ng h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh tr\u00ean 7.5 tri\u1ec7u th\u00e0nh vi\u00ean. Tuy nhi\u00ean, bi\u00ean l\u1ee3i nhu\u1eadn b\u1ecb n\u00e9n, c\u1ea1nh tranh gia t\u0103ng v\u00e0 y\u1ebfu k\u00e9m k\u1ef9 thu\u1eadt cho th\u1ea5y kh\u1ea3 n\u0103ng bi\u1ebfn \u0111\u1ed9ng b\u1ed5 sung tr\u01b0\u1edbc khi \u1ed5n \u0111\u1ecbnh. C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ebfn l\u01b0\u1ee3c n\u00ean xem x\u00e9t trung b\u00ecnh gi\u00e1 thay v\u00ec nh\u1eadp \u0111i\u1ec3m \u0111\u01a1n l\u1ebb, \u0111\u1ed3ng th\u1eddi thi\u1ebft l\u1eadp c\u00e1c th\u00f4ng s\u1ed1 r\u1ee7i ro r\u00f5 r\u00e0ng d\u1ef1a tr\u00ean ho\u00e0n c\u1ea3nh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n."},{"question":"SoFi so s\u00e1nh nh\u01b0 th\u1ebf n\u00e0o v\u1edbi c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng?","answer":"SoFi ho\u1ea1t \u0111\u1ed9ng v\u1edbi n\u1ec1n kinh t\u1ebf c\u01a1 b\u1ea3n kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, v\u1edbi 61,3% doanh thu t\u1eeb cho vay so v\u1edbi 73-82% c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. M\u00f4 h\u00ecnh \u01b0u ti\u00ean k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a SoFi \u0111\u1ea1t \u0111\u01b0\u1ee3c chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng th\u1ea5p h\u01a1n 58% (284 USD so v\u1edbi 675+ USD t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng) v\u00e0 t\u1ef7 l\u1ec7 b\u00e1n ch\u00e9o cao h\u01a1n \u0111\u00e1ng k\u1ec3 (2,4 s\u1ea3n ph\u1ea9m m\u1ed7i th\u00e0nh vi\u00ean so v\u1edbi trung b\u00ecnh ng\u00e0nh l\u00e0 1,3). Trong khi SoFi mang l\u1ea1i t\u0103ng tr\u01b0\u1edfng th\u00e0nh vi\u00ean v\u01b0\u1ee3t tr\u1ed9i (t\u0103ng tr\u01b0\u1edfng k\u00e9p h\u00e0ng n\u0103m 47% k\u1ec3 t\u1eeb n\u0103m 2019) so v\u1edbi t\u0103ng tr\u01b0\u1edfng kh\u00e1ch h\u00e0ng 2-3% c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, n\u00f3 giao d\u1ecbch \u1edf m\u1ee9c 5,7 l\u1ea7n doanh thu d\u1ef1 ki\u1ebfn so v\u1edbi b\u1ed9i s\u1ed1 2,2-3,1 l\u1ea7n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, ph\u1ea3n \u00e1nh c\u1ea3 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng cao h\u01a1n v\u00e0 r\u1ee7i ro th\u1ef1c hi\u1ec7n cao trong chi\u1ebfn l\u01b0\u1ee3c m\u1edf r\u1ed9ng c\u1ea1nh tranh c\u1ee7a m\u00ecnh."},{"question":"Nh\u1eefng ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt n\u00e0o t\u00f4i n\u00ean theo d\u00f5i cho c\u1ed5 phi\u1ebfu SoFi?","answer":"C\u00e1c ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt ch\u00ednh cho SoFi bao g\u1ed3m RSI 14 ng\u00e0y hi\u1ec7n t\u1ea1i \u1edf m\u1ee9c 32.7 (\u0111ang ti\u1ebfn g\u1ea7n \u0111\u1ebfn v\u00f9ng qu\u00e1 b\u00e1n \u1edf m\u1ee9c 30), MACD cho th\u1ea5y \u0111\u1ed9ng l\u01b0\u1ee3ng gi\u1ea3m v\u1edbi ch\u1ec9 s\u1ed1 -0.37 v\u00e0 s\u1ef1 ph\u00e2n k\u1ef3 m\u1edf r\u1ed9ng, v\u00e0 ph\u00e2n t\u00edch kh\u1ed1i l\u01b0\u1ee3ng cho th\u1ea5y kh\u1ed1i l\u01b0\u1ee3ng trung b\u00ecnh 1.7 l\u1ea7n tr\u00ean c\u00e1c \u0111\u1ee3t gi\u1ea3m g\u1ea7n \u0111\u00e2y. C\u00e1c m\u1ee9c gi\u00e1 quan tr\u1ecdng bao g\u1ed3m kh\u00e1ng c\u1ef1 ngay l\u1eadp t\u1ee9c t\u1ea1i m\u1ee9c h\u1ed7 tr\u1ee3 b\u1ecb ph\u00e1 v\u1ee1 $7.58, VWAP h\u00e0ng ng\u00e0y \u1edf m\u1ee9c $6.82, v\u00e0 m\u1ee5c ti\u00eau tho\u00e1i lui Fibonacci 61.8% \u1edf m\u1ee9c $6.37. \u0110\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 50 ng\u00e0y c\u1eaft xu\u1ed1ng d\u01b0\u1edbi \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 200 ng\u00e0y (h\u00ecnh th\u00e0nh giao c\u1eaft t\u1eed th\u1ea7n) x\u00e1c nh\u1eadn xu h\u01b0\u1edbng gi\u1ea3m d\u00e0i h\u1ea1n, v\u1edbi kh\u1ea3 n\u0103ng \u0111\u1ea3o chi\u1ec1u xu h\u01b0\u1edbng y\u00eau c\u1ea7u l\u1ea5y l\u1ea1i \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 50 ng\u00e0y hi\u1ec7n t\u1ea1i \u1edf m\u1ee9c $8.13."},{"question":"Hi\u1ec7u su\u1ea5t c\u1ee7a c\u1ed5 phi\u1ebfu SoFi c\u00f3 th\u1ec3 thay \u0111\u1ed5i nh\u01b0 th\u1ebf n\u00e0o n\u1ebfu l\u00e3i su\u1ea5t thay \u0111\u1ed5i?","answer":"SoFi th\u1ec3 hi\u1ec7n \u0111\u1ed9 nh\u1ea1y c\u1ea3m \u0111\u1ecbnh l\u01b0\u1ee3ng \u0111\u1ed1i v\u1edbi k\u1ef3 v\u1ecdng l\u00e3i su\u1ea5t, v\u1edbi c\u00e1c h\u1ec7 s\u1ed1 t\u01b0\u01a1ng quan c\u1ee5 th\u1ec3 v\u1edbi bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t. L\u1ecbch s\u1eed cho th\u1ea5y, m\u1ed7i th\u00f4ng b\u00e1o t\u0103ng l\u00e3i su\u1ea5t 25 \u0111i\u1ec3m c\u01a1 b\u1ea3n th\u01b0\u1eddng g\u00e2y ra s\u1ef1 gi\u1ea3m 4,3-6,8% trong v\u00f2ng 2-4 gi\u1edd, trong khi c\u00e1c t\u00edn hi\u1ec7u gi\u1ea3m l\u00e3i su\u1ea5t r\u00f5 r\u00e0ng th\u01b0\u1eddng t\u1ea1o ra m\u1ee9c t\u0103ng 5,2-9,7% trong 6-24 gi\u1edd. Bi\u00ean l\u00e3i r\u00f2ng hi\u1ec7n t\u1ea1i c\u1ee7a SoFi b\u1ecb n\u00e9n (gi\u1ea3m 40 \u0111i\u1ec3m c\u01a1 b\u1ea3n so v\u1edbi n\u0103m tr\u01b0\u1edbc xu\u1ed1ng c\u00f2n 5,8%) \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn l\u1ee3i nhu\u1eadn cho vay, v\u1eabn chi\u1ebfm 61,3% doanh thu. Tuy nhi\u00ean, ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111ang m\u1edf r\u1ed9ng c\u1ee7a c\u00f4ng ty c\u00f3 th\u1ec3 h\u01b0\u1edfng l\u1ee3i t\u1eeb s\u1ef1 \u1ed5n \u0111\u1ecbnh l\u00e3i su\u1ea5t cu\u1ed1i c\u00f9ng, v\u1edbi m\u00f4 h\u00ecnh t\u00e0i ch\u00ednh cho th\u1ea5y s\u1ef1 m\u1edf r\u1ed9ng bi\u00ean \u0111\u1ed9 30-45 \u0111i\u1ec3m c\u01a1 b\u1ea3n n\u1ebfu l\u00e3i su\u1ea5t \u1ed5n \u0111\u1ecbnh trong hai qu\u00fd li\u00ean ti\u1ebfp, c\u00f3 th\u1ec3 th\u00fac \u0111\u1ea9y c\u1ea3i thi\u1ec7n EPS 8-12% \u0111\u1ed9c l\u1eadp v\u1edbi t\u0103ng tr\u01b0\u1edfng th\u00e0nh vi\u00ean."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"T\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m g\u1ea7n \u0111\u00e2y?","answer":"C\u1ed5 phi\u1ebfu SoFi \u0111\u00e3 gi\u1ea3m 15,3% trong tu\u1ea7n n\u00e0y do s\u1ef1 k\u1ebft h\u1ee3p ch\u00ednh x\u00e1c c\u1ee7a c\u00e1c y\u1ebfu t\u1ed1: doanh thu g\u00e2y th\u1ea5t v\u1ecdng (498,2 tri\u1ec7u USD so v\u1edbi 512,7 tri\u1ec7u USD d\u1ef1 ki\u1ebfn), h\u01b0\u1edbng d\u1eabn t\u01b0\u01a1ng lai gi\u1ea3m (FY2023: 2,00 t\u1ef7 USD-2,05 t\u1ef7 USD so v\u1edbi 2,08 t\u1ef7 USD \u0111\u1ed3ng thu\u1eadn), \u00e1p l\u1ef1c l\u00e3i su\u1ea5t li\u00ean t\u1ee5c l\u00e0m gi\u1ea3m bi\u00ean l\u00e3i r\u00f2ng 40 \u0111i\u1ec3m c\u01a1 b\u1ea3n so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc, v\u00e0 c\u1ea1nh tranh gia t\u0103ng \u0111\u1ea9y chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng t\u0103ng 12,3%. B\u00e1n k\u1ef9 thu\u1eadt t\u0103ng t\u1ed1c sau khi c\u1ed5 phi\u1ebfu ph\u00e1 v\u1ee1 d\u01b0\u1edbi m\u1ee9c h\u1ed7 tr\u1ee3 quan tr\u1ecdng 7,58 USD v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng trung b\u00ecnh 1,8 l\u1ea7n, k\u00edch ho\u1ea1t c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh b\u00e1n thu\u1eadt to\u00e1n v\u00e0 l\u1ec7nh d\u1eebng l\u1ed7."},{"question":"C\u1ed5 phi\u1ebfu SoFi c\u00f3 ph\u1ea3i l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u1ed1t \u0111\u1ec3 mua \u1edf m\u1ee9c hi\u1ec7n t\u1ea1i kh\u00f4ng?","answer":"Tr\u01b0\u1eddng h\u1ee3p \u0111\u1ea7u t\u01b0 c\u1ee7a SoFi ph\u1ee5 thu\u1ed9c v\u00e0o khung th\u1eddi gian v\u00e0 h\u1ed3 s\u01a1 r\u1ee7i ro c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n. \u1ede m\u1ee9c $6.75, c\u1ed5 phi\u1ebfu giao d\u1ecbch \u1edf m\u1ee9c 5.7x doanh thu d\u1ef1 ki\u1ebfn (so v\u1edbi m\u1ee9c trung b\u00ecnh c\u1ee7a fintech l\u00e0 3.8x) m\u1eb7c d\u00f9 \u0111ang g\u1eb7p ph\u1ea3i nh\u1eefng th\u00e1ch th\u1ee9c hi\u1ec7n t\u1ea1i. C\u00f4ng ty duy tr\u00ec t\u0103ng tr\u01b0\u1edfng th\u00e0nh vi\u00ean m\u1ea1nh m\u1ebd (+486K qu\u00fd tr\u01b0\u1edbc, v\u01b0\u1ee3t qua d\u1ef1 \u0111o\u00e1n chung 1.7%) v\u00e0 \u0111ang m\u1edf r\u1ed9ng h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh tr\u00ean 7.5 tri\u1ec7u th\u00e0nh vi\u00ean. Tuy nhi\u00ean, bi\u00ean l\u1ee3i nhu\u1eadn b\u1ecb n\u00e9n, c\u1ea1nh tranh gia t\u0103ng v\u00e0 y\u1ebfu k\u00e9m k\u1ef9 thu\u1eadt cho th\u1ea5y kh\u1ea3 n\u0103ng bi\u1ebfn \u0111\u1ed9ng b\u1ed5 sung tr\u01b0\u1edbc khi \u1ed5n \u0111\u1ecbnh. C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ebfn l\u01b0\u1ee3c n\u00ean xem x\u00e9t trung b\u00ecnh gi\u00e1 thay v\u00ec nh\u1eadp \u0111i\u1ec3m \u0111\u01a1n l\u1ebb, \u0111\u1ed3ng th\u1eddi thi\u1ebft l\u1eadp c\u00e1c th\u00f4ng s\u1ed1 r\u1ee7i ro r\u00f5 r\u00e0ng d\u1ef1a tr\u00ean ho\u00e0n c\u1ea3nh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n."},{"question":"SoFi so s\u00e1nh nh\u01b0 th\u1ebf n\u00e0o v\u1edbi c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng?","answer":"SoFi ho\u1ea1t \u0111\u1ed9ng v\u1edbi n\u1ec1n kinh t\u1ebf c\u01a1 b\u1ea3n kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, v\u1edbi 61,3% doanh thu t\u1eeb cho vay so v\u1edbi 73-82% c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. M\u00f4 h\u00ecnh \u01b0u ti\u00ean k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a SoFi \u0111\u1ea1t \u0111\u01b0\u1ee3c chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng th\u1ea5p h\u01a1n 58% (284 USD so v\u1edbi 675+ USD t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng) v\u00e0 t\u1ef7 l\u1ec7 b\u00e1n ch\u00e9o cao h\u01a1n \u0111\u00e1ng k\u1ec3 (2,4 s\u1ea3n ph\u1ea9m m\u1ed7i th\u00e0nh vi\u00ean so v\u1edbi trung b\u00ecnh ng\u00e0nh l\u00e0 1,3). Trong khi SoFi mang l\u1ea1i t\u0103ng tr\u01b0\u1edfng th\u00e0nh vi\u00ean v\u01b0\u1ee3t tr\u1ed9i (t\u0103ng tr\u01b0\u1edfng k\u00e9p h\u00e0ng n\u0103m 47% k\u1ec3 t\u1eeb n\u0103m 2019) so v\u1edbi t\u0103ng tr\u01b0\u1edfng kh\u00e1ch h\u00e0ng 2-3% c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, n\u00f3 giao d\u1ecbch \u1edf m\u1ee9c 5,7 l\u1ea7n doanh thu d\u1ef1 ki\u1ebfn so v\u1edbi b\u1ed9i s\u1ed1 2,2-3,1 l\u1ea7n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, ph\u1ea3n \u00e1nh c\u1ea3 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng cao h\u01a1n v\u00e0 r\u1ee7i ro th\u1ef1c hi\u1ec7n cao trong chi\u1ebfn l\u01b0\u1ee3c m\u1edf r\u1ed9ng c\u1ea1nh tranh c\u1ee7a m\u00ecnh."},{"question":"Nh\u1eefng ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt n\u00e0o t\u00f4i n\u00ean theo d\u00f5i cho c\u1ed5 phi\u1ebfu SoFi?","answer":"C\u00e1c ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt ch\u00ednh cho SoFi bao g\u1ed3m RSI 14 ng\u00e0y hi\u1ec7n t\u1ea1i \u1edf m\u1ee9c 32.7 (\u0111ang ti\u1ebfn g\u1ea7n \u0111\u1ebfn v\u00f9ng qu\u00e1 b\u00e1n \u1edf m\u1ee9c 30), MACD cho th\u1ea5y \u0111\u1ed9ng l\u01b0\u1ee3ng gi\u1ea3m v\u1edbi ch\u1ec9 s\u1ed1 -0.37 v\u00e0 s\u1ef1 ph\u00e2n k\u1ef3 m\u1edf r\u1ed9ng, v\u00e0 ph\u00e2n t\u00edch kh\u1ed1i l\u01b0\u1ee3ng cho th\u1ea5y kh\u1ed1i l\u01b0\u1ee3ng trung b\u00ecnh 1.7 l\u1ea7n tr\u00ean c\u00e1c \u0111\u1ee3t gi\u1ea3m g\u1ea7n \u0111\u00e2y. C\u00e1c m\u1ee9c gi\u00e1 quan tr\u1ecdng bao g\u1ed3m kh\u00e1ng c\u1ef1 ngay l\u1eadp t\u1ee9c t\u1ea1i m\u1ee9c h\u1ed7 tr\u1ee3 b\u1ecb ph\u00e1 v\u1ee1 $7.58, VWAP h\u00e0ng ng\u00e0y \u1edf m\u1ee9c $6.82, v\u00e0 m\u1ee5c ti\u00eau tho\u00e1i lui Fibonacci 61.8% \u1edf m\u1ee9c $6.37. \u0110\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 50 ng\u00e0y c\u1eaft xu\u1ed1ng d\u01b0\u1edbi \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 200 ng\u00e0y (h\u00ecnh th\u00e0nh giao c\u1eaft t\u1eed th\u1ea7n) x\u00e1c nh\u1eadn xu h\u01b0\u1edbng gi\u1ea3m d\u00e0i h\u1ea1n, v\u1edbi kh\u1ea3 n\u0103ng \u0111\u1ea3o chi\u1ec1u xu h\u01b0\u1edbng y\u00eau c\u1ea7u l\u1ea5y l\u1ea1i \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 50 ng\u00e0y hi\u1ec7n t\u1ea1i \u1edf m\u1ee9c $8.13."},{"question":"Hi\u1ec7u su\u1ea5t c\u1ee7a c\u1ed5 phi\u1ebfu SoFi c\u00f3 th\u1ec3 thay \u0111\u1ed5i nh\u01b0 th\u1ebf n\u00e0o n\u1ebfu l\u00e3i su\u1ea5t thay \u0111\u1ed5i?","answer":"SoFi th\u1ec3 hi\u1ec7n \u0111\u1ed9 nh\u1ea1y c\u1ea3m \u0111\u1ecbnh l\u01b0\u1ee3ng \u0111\u1ed1i v\u1edbi k\u1ef3 v\u1ecdng l\u00e3i su\u1ea5t, v\u1edbi c\u00e1c h\u1ec7 s\u1ed1 t\u01b0\u01a1ng quan c\u1ee5 th\u1ec3 v\u1edbi bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t. L\u1ecbch s\u1eed cho th\u1ea5y, m\u1ed7i th\u00f4ng b\u00e1o t\u0103ng l\u00e3i su\u1ea5t 25 \u0111i\u1ec3m c\u01a1 b\u1ea3n th\u01b0\u1eddng g\u00e2y ra s\u1ef1 gi\u1ea3m 4,3-6,8% trong v\u00f2ng 2-4 gi\u1edd, trong khi c\u00e1c t\u00edn hi\u1ec7u gi\u1ea3m l\u00e3i su\u1ea5t r\u00f5 r\u00e0ng th\u01b0\u1eddng t\u1ea1o ra m\u1ee9c t\u0103ng 5,2-9,7% trong 6-24 gi\u1edd. Bi\u00ean l\u00e3i r\u00f2ng hi\u1ec7n t\u1ea1i c\u1ee7a SoFi b\u1ecb n\u00e9n (gi\u1ea3m 40 \u0111i\u1ec3m c\u01a1 b\u1ea3n so v\u1edbi n\u0103m tr\u01b0\u1edbc xu\u1ed1ng c\u00f2n 5,8%) \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn l\u1ee3i nhu\u1eadn cho vay, v\u1eabn chi\u1ebfm 61,3% doanh thu. Tuy nhi\u00ean, ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111ang m\u1edf r\u1ed9ng c\u1ee7a c\u00f4ng ty c\u00f3 th\u1ec3 h\u01b0\u1edfng l\u1ee3i t\u1eeb s\u1ef1 \u1ed5n \u0111\u1ecbnh l\u00e3i su\u1ea5t cu\u1ed1i c\u00f9ng, v\u1edbi m\u00f4 h\u00ecnh t\u00e0i ch\u00ednh cho th\u1ea5y s\u1ef1 m\u1edf r\u1ed9ng bi\u00ean \u0111\u1ed9 30-45 \u0111i\u1ec3m c\u01a1 b\u1ea3n n\u1ebfu l\u00e3i su\u1ea5t \u1ed5n \u0111\u1ecbnh trong hai qu\u00fd li\u00ean ti\u1ebfp, c\u00f3 th\u1ec3 th\u00fac \u0111\u1ea9y c\u1ea3i thi\u1ec7n EPS 8-12% \u0111\u1ed9c l\u1eadp v\u1edbi t\u0103ng tr\u01b0\u1edfng th\u00e0nh vi\u00ean."}]}},"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>T\u1ea1i sao c\u1ed5 phi\u1ebfu SoFi gi\u1ea3m h\u00f4m nay: 7 th\u00f4ng tin chuy\u00ean gia cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ebfn l\u01b0\u1ee3c<\/title>\n<meta name=\"robots\" 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