{"id":325146,"date":"2025-07-31T19:07:21","date_gmt":"2025-07-31T19:07:21","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/sofi-stock-forecast-2025-2\/"},"modified":"2025-07-31T19:07:21","modified_gmt":"2025-07-31T19:07:21","slug":"sofi-stock-forecast-2025","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/vt\/knowledge-base\/markets\/sofi-stock-forecast-2025\/","title":{"rendered":"D\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi 2025: Ph\u00e2n t\u00edch chuy\u00ean gia v\u00e0 d\u1ef1 \u0111o\u00e1n gi\u00e1 cho nh\u00e0 \u0111\u1ea7u t\u01b0"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":45,"featured_media":180164,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[46,45,44],"class_list":["post-325146","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-markets","tag-how","tag-stock","tag-strategy"],"acf":{"h1":"D\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025: Qu\u1ef9 \u0111\u1ea1o t\u0103ng tr\u01b0\u1edfng v\u00e0 tri\u1ec3n v\u1ecdng \u0111\u1ea7u t\u01b0","h1_source":{"label":"H1","type":"text","formatted_value":"D\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025: Qu\u1ef9 \u0111\u1ea1o t\u0103ng tr\u01b0\u1edfng v\u00e0 tri\u1ec3n v\u1ecdng \u0111\u1ea7u t\u01b0"},"description":"Kh\u00e1m ph\u00e1 th\u00f4ng tin d\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 to\u00e0n di\u1ec7n v\u1edbi c\u00e1c d\u1ef1 \u0111o\u00e1n chi ti\u1ebft c\u1ee7a nh\u00e0 ph\u00e2n t\u00edch, c\u00e1c ch\u1ec9 s\u1ed1 t\u0103ng tr\u01b0\u1edfng ch\u00ednh v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 r\u1ee7i ro \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 th\u00f4ng minh v\u1edbi ph\u00e2n t\u00edch t\u00e0i ch\u00ednh c\u1ee7a Pocket Option.","description_source":{"label":"Description","type":"textarea","formatted_value":"Kh\u00e1m ph\u00e1 th\u00f4ng tin d\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 to\u00e0n di\u1ec7n v\u1edbi c\u00e1c d\u1ef1 \u0111o\u00e1n chi ti\u1ebft c\u1ee7a nh\u00e0 ph\u00e2n t\u00edch, c\u00e1c ch\u1ec9 s\u1ed1 t\u0103ng tr\u01b0\u1edfng ch\u00ednh v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 r\u1ee7i ro \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 th\u00f4ng minh v\u1edbi ph\u00e2n t\u00edch t\u00e0i ch\u00ednh c\u1ee7a Pocket Option."},"intro":"Kh\u00e1m ph\u00e1 d\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 \u0111\u00f2i h\u1ecfi ph\u1ea3i ph\u00e2n t\u00edch c\u1ea9n th\u1eadn nhi\u1ec1u y\u1ebfu t\u1ed1 bao g\u1ed3m hi\u1ec7u su\u1ea5t t\u00e0i ch\u00ednh, xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh. B\u00e0i vi\u1ebft n\u00e0y xem x\u00e9t c\u00e1c qu\u1ef9 \u0111\u1ea1o t\u0103ng tr\u01b0\u1edfng ti\u1ec1m n\u0103ng, \u00fd ki\u1ebfn chuy\u00ean gia v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 quan t\u00e2m \u0111\u1ebfn \u0111\u1ecbnh gi\u00e1 t\u01b0\u01a1ng lai c\u1ee7a SoFi.","intro_source":{"label":"Intro","type":"text","formatted_value":"Kh\u00e1m ph\u00e1 d\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 \u0111\u00f2i h\u1ecfi ph\u1ea3i ph\u00e2n t\u00edch c\u1ea9n th\u1eadn nhi\u1ec1u y\u1ebfu t\u1ed1 bao g\u1ed3m hi\u1ec7u su\u1ea5t t\u00e0i ch\u00ednh, xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh. B\u00e0i vi\u1ebft n\u00e0y xem x\u00e9t c\u00e1c qu\u1ef9 \u0111\u1ea1o t\u0103ng tr\u01b0\u1edfng ti\u1ec1m n\u0103ng, \u00fd ki\u1ebfn chuy\u00ean gia v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 quan t\u00e2m \u0111\u1ebfn \u0111\u1ecbnh gi\u00e1 t\u01b0\u01a1ng lai c\u1ee7a SoFi."},"body_html":"<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>V\u1ecb Th\u1ebf Th\u1ecb Tr\u01b0\u1eddng c\u1ee7a SoFi: N\u1ec1n T\u1ea3ng cho T\u0103ng Tr\u01b0\u1edfng 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ef1 chuy\u1ec3n \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 c\u1ee7a c\u00f4ng ty t\u1eeb m\u1ed9t nh\u00e0 t\u00e1i c\u1ea5p v\u1ed1n cho vay sinh vi\u00ean ng\u00e1ch th\u00e0nh m\u1ed9t h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n. K\u1ec3 t\u1eeb khi th\u00e0nh l\u1eadp v\u00e0o n\u0103m 2011, SoFi Technologies (NASDAQ: SoFi) \u0111\u00e3 m\u1edf r\u1ed9ng chi\u1ebfn l\u01b0\u1ee3c v\u00e0o ng\u00e2n h\u00e0ng, \u0111\u1ea7u t\u01b0, b\u1ea3o hi\u1ec3m v\u00e0 s\u1ea3n ph\u1ea9m th\u1ebf ch\u1ea5p th\u00f4ng qua n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean hi\u1ec7n ph\u1ee5c v\u1ee5 h\u01a1n 6,2 tri\u1ec7u th\u00e0nh vi\u00ean.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Vi\u1ec7c mua l\u1ea1i gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng v\u00e0o th\u00e1ng 1 n\u0103m 2022 \u0111\u1ea1i di\u1ec7n cho m\u1ed9t ch\u1ea5t x\u00fac t\u00e1c then ch\u1ed1t trong s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a SoFi, gi\u1ea3m chi ph\u00ed t\u00e0i tr\u1ee3 kho\u1ea3ng 100 \u0111i\u1ec3m c\u01a1 b\u1ea3n theo c\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option. C\u1ed9t m\u1ed1c ph\u00e1p l\u00fd n\u00e0y lo\u1ea1i b\u1ecf c\u00e1c ng\u00e2n h\u00e0ng trung gian kh\u1ecfi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a SoFi, c\u00f3 th\u1ec3 th\u00eam 200-300 tri\u1ec7u \u0111\u00f4 la v\u00e0o thu nh\u1eadp tr\u01b0\u1edbc thu\u1ebf h\u00e0ng n\u0103m v\u00e0o n\u0103m 2025 \u0111\u1ed3ng th\u1eddi cho ph\u00e9p t\u00e0i tr\u1ee3 d\u1ef1a tr\u00ean ti\u1ec1n g\u1eedi cho c\u00e1c kho\u1ea3n vay.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>C\u00e1c Ch\u1ec9 S\u1ed1 T\u00e0i Ch\u00ednh Th\u00fac \u0110\u1ea9y \u0110\u1ecbnh Gi\u00e1 SoFi 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Khi \u0111\u00e1nh gi\u00e1 d\u1ef1 \u0111o\u00e1n gi\u00e1 c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean t\u1eadp trung v\u00e0o b\u1ed1n ch\u1ec9 s\u1ed1 hi\u1ec7u su\u1ea5t quan tr\u1ecdng s\u1ebd quy\u1ebft \u0111\u1ecbnh li\u1ec7u c\u00f4ng ty c\u00f3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau \u0111\u1ea7y tham v\u1ecdng c\u1ee7a m\u00ecnh hay kh\u00f4ng.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 S\u1ed1 T\u00e0i Ch\u00ednh<\/th><th>Hi\u1ec7u Su\u1ea5t 2023<\/th><th>D\u1ef1 B\u00e1o 2025<\/th><th>T\u00e1c \u0110\u1ed9ng \u0110\u1ebfn \u0110\u1ecbnh Gi\u00e1<\/th><\/tr><\/thead><tbody><tr><td>T\u0103ng Tr\u01b0\u1edfng Doanh Thu<\/td><td>27% YoY<\/td><td>22-28% CAGR<\/td><td>Duy tr\u00ec t\u0103ng tr\u01b0\u1edfng 25%+ c\u00f3 th\u1ec3 bi\u1ec7n minh cho c\u00e1c b\u1ed9i s\u1ed1 cao c\u1ea5p<\/td><\/tr><tr><td>Bi\u00ean EBITDA<\/td><td>12-15%<\/td><td>20-25%<\/td><td>M\u1ed7i c\u1ea3i thi\u1ec7n bi\u00ean 5% c\u00f3 th\u1ec3 th\u00eam $3-5 v\u00e0o gi\u00e1 c\u1ed5 phi\u1ebfu<\/td><\/tr><tr><td>T\u0103ng Tr\u01b0\u1edfng Th\u00e0nh Vi\u00ean<\/td><td>5.2M+<\/td><td>10-12M<\/td><td>Xu h\u01b0\u1edbng chi ph\u00ed thu h\u00fat quan tr\u1ecdng h\u01a1n s\u1ed1 l\u01b0\u1ee3ng th\u00f4<\/td><\/tr><tr><td>S\u1ea3n Ph\u1ea9m M\u1ed7i Ng\u01b0\u1eddi D\u00f9ng<\/td><td>~2.0<\/td><td>3.5-4.0<\/td><td>Ch\u1ec9 s\u1ed1 quan tr\u1ecdng \u0111\u1ec3 x\u00e1c nh\u1eadn hi\u1ec7u \u1ee9ng b\u00e1nh \u0111\u00e0<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ph\u00e2n kh\u00fac kinh doanh SoFi s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn m\u1ee5c ti\u00eau gi\u00e1 c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025. N\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 c\u1ee7a c\u00f4ng ty (Galileo v\u00e0 Technisys) \u0111\u00e3 cung c\u1ea5p n\u0103ng l\u01b0\u1ee3ng cho h\u01a1n 130 tri\u1ec7u t\u00e0i kho\u1ea3n cho c\u00e1c c\u00f4ng ty fintech kh\u00e1c, t\u1ea1o ra m\u1ed9t d\u00f2ng doanh thu bi\u00ean cao \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o s\u1ebd t\u0103ng t\u1eeb 25% l\u00ean 35% t\u1ed5ng doanh thu v\u00e0o n\u0103m 2025.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>M\u00f4i Tr\u01b0\u1eddng L\u00e3i Su\u1ea5t: Con Dao Hai L\u01b0\u1ee1i<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>B\u1ed1i c\u1ea3nh l\u00e3i su\u1ea5t mang l\u1ea1i c\u1ea3 c\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c cho SoFi \u0111\u1ebfn n\u0103m 2025. D\u1ef1a tr\u00ean c\u00e1c d\u1ef1 b\u00e1o c\u1ee7a C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang v\u00e0 c\u00e1c d\u1ef1 b\u00e1o kinh t\u1ebf, ba k\u1ecbch b\u1ea3n \u0111\u00e1ng ch\u00fa \u00fd \u0111\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Gi\u1ea3m l\u00e3i su\u1ea5t d\u1ea7n d\u1ea7n (3-4% v\u00e0o n\u0103m 2025): S\u1ebd th\u00fac \u0111\u1ea9y kh\u1ed1i l\u01b0\u1ee3ng cho vay c\u00e1 nh\u00e2n v\u00e0 t\u00e1i c\u1ea5p v\u1ed1n c\u1ee7a SoFi t\u0103ng 15-20% trong khi duy tr\u00ec bi\u00ean l\u1ee3i nhu\u1eadn l\u00e0nh m\u1ea1nh<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>L\u00e3i su\u1ea5t cao \u1ed5n \u0111\u1ecbnh (4-5%): S\u1ebd g\u00e2y \u00e1p l\u1ef1c l\u00ean t\u0103ng tr\u01b0\u1edfng cho vay nh\u01b0ng t\u0103ng c\u01b0\u1eddng bi\u00ean l\u1ee3i nhu\u1eadn ti\u1ec1n g\u1eedi, c\u00f3 th\u1ec3 mang l\u1ea1i bi\u00ean l\u1ee3i nhu\u1eadn r\u00f2ng 20-25%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>M\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t bi\u1ebfn \u0111\u1ed9ng: S\u1ebd ki\u1ec3m tra c\u00e1c chi\u1ebfn l\u01b0\u1ee3c ph\u00f2ng ng\u1eeba r\u1ee7i ro c\u1ee7a SoFi nh\u01b0ng c\u00f3 th\u1ec3 mang l\u1ea1i l\u1ee3i \u00edch cho doanh thu giao d\u1ecbch t\u1eeb kh\u00e1ch h\u00e0ng B2B c\u1ee7a Galileo<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Hi\u1ec7u su\u1ea5t c\u1ee7a SoFi v\u00e0o n\u0103m 2025 trong b\u1ea5t k\u1ef3 m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t n\u00e0o s\u1ebd \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1 b\u1edfi l\u1ee3i th\u1ebf t\u00e0i tr\u1ee3 ti\u1ec1n g\u1eedi c\u1ee7a m\u00ecnh. Nghi\u00ean c\u1ee9u c\u1ee7a Pocket Option ti\u1ebft l\u1ed9 r\u1eb1ng chi ph\u00ed ti\u1ec1n g\u1eedi c\u1ee7a SoFi trung b\u00ecnh th\u1ea5p h\u01a1n 1,5-2% so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng, t\u1ea1o ra l\u1ee3i th\u1ebf c\u1ea1nh tranh c\u1ea5u tr\u00fac trong ho\u1ea1t \u0111\u1ed9ng cho vay.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Quan \u0110i\u1ec3m c\u1ee7a Ph\u1ed1 Wall v\u1ec1 C\u1ed5 Phi\u1ebfu SoFi 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c d\u1ef1 b\u00e1o g\u1ea7n \u0111\u00e2y c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch v\u1ec1 d\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 ti\u1ebft l\u1ed9 m\u1ed9t ph\u1ea1m vi \u0111\u1ecbnh gi\u00e1 r\u1ed9ng do c\u00e1c gi\u1ea3 \u0111\u1ecbnh kh\u00e1c nhau v\u1ec1 th\u1ef1c thi v\u00e0 \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng. Vi\u1ec7c Morgan Stanley kh\u1edfi \u0111\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m g\u1ea7n \u0111\u00e2y v\u1edbi x\u1ebfp h\u1ea1ng \"mua v\u1eeba ph\u1ea3i\" nh\u1ea5n m\u1ea1nh v\u1ecb tr\u00ed \u0111\u1ed9c \u0111\u00e1o c\u1ee7a SoFi t\u1ea1i giao \u0111i\u1ec3m c\u1ee7a \u0111\u1ed5i m\u1edbi fintech v\u00e0 s\u1ef1 \u1ed5n \u0111\u1ecbnh ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>C\u00f4ng Ty Ph\u00e2n T\u00edch<\/th><th>M\u1ee5c Ti\u00eau Gi\u00e1 2025<\/th><th>Lu\u1eadn \u0110i\u1ec3m \u0110\u1ea7u T\u01b0 Ch\u00ednh<\/th><\/tr><\/thead><tbody><tr><td>Mizuho Securities<\/td><td>$27-32<\/td><td>Ph\u00e2n kh\u00fac D\u1ecbch v\u1ee5 T\u00e0i ch\u00ednh \u0111\u1ea1t l\u1ee3i nhu\u1eadn v\u00e0o Q3 2024<\/td><\/tr><tr><td>Oppenheimer<\/td><td>$18-24<\/td><td>T\u0103ng tr\u01b0\u1edfng n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 b\u00f9 \u0111\u1eafp kh\u00f3 kh\u0103n cho vay<\/td><\/tr><tr><td>Jefferies<\/td><td>$10-16<\/td><td>Lo ng\u1ea1i v\u1ec1 \u00e1p l\u1ef1c c\u1ea1nh tranh v\u00e0 gi\u00e1m s\u00e1t quy \u0111\u1ecbnh<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ebfn n\u0103m 2025, nhi\u1ec1u nh\u00e0 ph\u00e2n t\u00edch k\u1ef3 v\u1ecdng \u0111\u1ecbnh gi\u00e1 d\u1ef1 b\u00e1o gi\u00e1 c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 s\u1ebd chuy\u1ec3n t\u1eeb c\u00e1c b\u1ed9i s\u1ed1 d\u1ef1a tr\u00ean doanh thu (th\u01b0\u1eddng l\u00e0 3-5x doanh thu d\u1ef1 ki\u1ebfn hi\u1ec7n t\u1ea1i) sang c\u00e1c ch\u1ec9 s\u1ed1 d\u1ef1a tr\u00ean thu nh\u1eadp (15-25x P\/E d\u1ef1 ki\u1ebfn) khi c\u00f4ng ty \u0111\u1ea1t \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn \u1ed5n \u0111\u1ecbnh. S\u1ef1 chuy\u1ec3n \u0111\u1ed5i ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ecbnh gi\u00e1 n\u00e0y c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn c\u00e1c m\u1ee5c ti\u00eau gi\u00e1.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>L\u1ee3i Th\u1ebf C\u00f4ng Ngh\u1ec7 v\u00e0 H\u00e0o Quang C\u1ea1nh Tranh<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Kh\u1ea3 n\u0103ng c\u00f4ng ngh\u1ec7 c\u1ee7a SoFi cung c\u1ea5p nh\u1eefng l\u1ee3i th\u1ebf c\u1ea1nh tranh \u0111\u00e1ng k\u1ec3 s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn hi\u1ec7u su\u1ea5t c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025. Vi\u1ec7c mua l\u1ea1i Technisys c\u1ee7a c\u00f4ng ty v\u00e0o n\u0103m 2022 v\u1edbi gi\u00e1 1,1 t\u1ef7 \u0111\u00f4 la b\u1ed5 sung cho vi\u1ec7c mua l\u1ea1i Galileo tr\u01b0\u1edbc \u0111\u00f3, t\u1ea1o ra m\u1ed9t ng\u0103n x\u1ebfp c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng t\u00e0i ch\u00ednh t\u1eeb \u0111\u1ea7u \u0111\u1ebfn cu\u1ed1i cung c\u1ea5p n\u0103ng l\u01b0\u1ee3ng cho c\u1ea3 c\u00e1c d\u1ecbch v\u1ee5 ti\u00eau d\u00f9ng c\u1ee7a SoFi v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh b\u00ean th\u1ee9 ba.<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Thu\u1eadt to\u00e1n quy\u1ebft \u0111\u1ecbnh t\u00edn d\u1ee5ng \u0111\u1ed9c quy\u1ec1n gi\u1ea3m t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3 25% so v\u1edbi c\u00e1c m\u00f4 h\u00ecnh truy\u1ec1n th\u1ed1ng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ec7 th\u1ed1ng x\u1eed l\u00fd l\u00f5i ng\u00e2n h\u00e0ng x\u1eed l\u00fd h\u01a1n 4.000 giao d\u1ecbch m\u1ed7i gi\u00e2y v\u1edbi th\u1eddi gian ho\u1ea1t \u0111\u1ed9ng 99,99%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kh\u1ea3 n\u0103ng khoa h\u1ecdc d\u1eef li\u1ec7u cho ph\u00e9p \u0111\u1ec1 xu\u1ea5t s\u1ea3n ph\u1ea9m c\u00e1 nh\u00e2n h\u00f3a v\u1edbi t\u1ef7 l\u1ec7 chuy\u1ec3n \u0111\u1ed5i cao h\u01a1n 40%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ec7 sinh th\u00e1i API h\u1ed7 tr\u1ee3 h\u01a1n 450 \u0111i\u1ec3m t\u00edch h\u1ee3p v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 b\u00ean th\u1ee9 ba<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>R\u1ee7i Ro Quan Tr\u1ecdng C\u1ea7n Theo D\u00f5i<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 th\u1eadn tr\u1ecdng xem x\u00e9t m\u1ee5c ti\u00eau gi\u00e1 c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 n\u00ean theo d\u00f5i ch\u1eb7t ch\u1ebd m\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 r\u1ee7i ro ch\u00ednh c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn hi\u1ec7u su\u1ea5t:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Y\u1ebfu T\u1ed1 R\u1ee7i Ro<\/th><th>T\u00e1c \u0110\u1ed9ng Ti\u1ec1m N\u0103ng<\/th><th>X\u00e1c Su\u1ea5t<\/th><th>Chi\u1ebfn L\u01b0\u1ee3c Gi\u1ea3m Thi\u1ec3u<\/th><\/tr><\/thead><tbody><tr><td>T\u0103ng t\u1ed1c k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng<\/td><td>C\u1ea1nh tranh gia t\u0103ng cho ti\u1ec1n g\u1eedi v\u00e0 kho\u1ea3n vay<\/td><td>Cao<\/td><td>Duy tr\u00ec t\u1ed1c \u0111\u1ed9 tri\u1ec3n khai t\u00ednh n\u0103ng nhanh h\u01a1n 2-3 l\u1ea7n<\/td><\/tr><tr><td>Gi\u00e1m s\u00e1t quy \u0111\u1ecbnh fintech<\/td><td>T\u0103ng chi ph\u00ed tu\u00e2n th\u1ee7, s\u1ea3n ph\u1ea9m b\u1ecb h\u1ea1n ch\u1ebf<\/td><td>Trung b\u00ecnh<\/td><td>Gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng cung c\u1ea5p s\u1ef1 r\u00f5 r\u00e0ng v\u1ec1 quy \u0111\u1ecbnh<\/td><\/tr><tr><td>Suy gi\u1ea3m hi\u1ec7u su\u1ea5t t\u00edn d\u1ee5ng<\/td><td>T\u0103ng t\u1ed5n th\u1ea5t cho vay trong th\u1eddi k\u1ef3 c\u0103ng th\u1eb3ng kinh t\u1ebf<\/td><td>Trung b\u00ecnh-Th\u1ea5p<\/td><td>T\u1eadp trung v\u00e0o kh\u00e1ch h\u00e0ng Prime+ (FICO trung b\u00ecnh 720+)<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Nghi\u00ean c\u1ee9u c\u1ee7a Pocket Option ch\u1ec9 ra r\u1eb1ng s\u1ef1 ti\u1ebfp x\u00fac c\u1ee7a SoFi v\u1edbi t\u00e1i c\u1ea5p v\u1ed1n cho vay sinh vi\u00ean \u0111\u00e3 gi\u1ea3m t\u1eeb 83% doanh thu v\u00e0o n\u0103m 2019 xu\u1ed1ng d\u01b0\u1edbi 30% hi\u1ec7n nay, gi\u1ea3m \u0111\u00e1ng k\u1ec3 r\u1ee7i ro t\u1eadp trung quy \u0111\u1ecbnh m\u00e0 tr\u01b0\u1edbc \u0111\u00e2y c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 lo ng\u1ea1i.<\/p><\/div>[cta_button text=\"\"]<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>K\u1ebft Lu\u1eadn \u0110\u1ea7u T\u01b0: \u0110i\u1ec1u Ch\u1ec9nh K\u1ef3 V\u1ecdng cho C\u1ed5 Phi\u1ebfu SoFi 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Tri\u1ec3n v\u1ecdng c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 tr\u00ecnh b\u00e0y m\u1ed9t tr\u01b0\u1eddng h\u1ee3p \u0111\u1ea7u t\u01b0 h\u1ea5p d\u1eabn nh\u01b0ng ph\u1ee9c t\u1ea1p. Qu\u1ef9 \u0111\u1ea1o c\u1ee7a c\u00f4ng ty h\u01b0\u1edbng t\u1edbi m\u1ed9t m\u00f4 h\u00ecnh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111a d\u1ea1ng, bi\u00ean cao v\u1edbi doanh thu n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 \u0111\u00e1ng k\u1ec3 n\u00ean h\u1ed7 tr\u1ee3 m\u1edf r\u1ed9ng \u0111\u1ecbnh gi\u00e1 n\u1ebfu th\u1ef1c thi v\u1eabn m\u1ea1nh m\u1ebd.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1ef1a tr\u00ean ph\u00e2n t\u00edch to\u00e0n di\u1ec7n v\u1ec1 c\u00e1c vect\u01a1 t\u0103ng tr\u01b0\u1edfng, v\u1ecb tr\u00ed c\u1ea1nh tranh v\u00e0 xu h\u01b0\u1edbng ng\u00e0nh, m\u1ed9t d\u1ef1 \u0111o\u00e1n gi\u00e1 c\u1ed5 phi\u1ebfu SoFi th\u1ef1c t\u1ebf n\u0103m 2025 n\u1eb1m trong kho\u1ea3ng $18-28, \u0111\u1ea1i di\u1ec7n cho ti\u1ec1m n\u0103ng t\u0103ng 80-180% t\u1eeb m\u1ee9c hi\u1ec7n t\u1ea1i. D\u1ef1 b\u00e1o n\u00e0y gi\u1ea3 \u0111\u1ecbnh: 1) m\u1edf r\u1ed9ng th\u00e0nh c\u00f4ng l\u00ean 9-11 tri\u1ec7u th\u00e0nh vi\u00ean, 2) bi\u00ean EBITDA \u0111\u1ea1t 22-26%, 3) n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 \u0111\u00f3ng g\u00f3p 30-35% t\u1ed5ng doanh thu, v\u00e0 4) m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t b\u00ecnh th\u01b0\u1eddng h\u00f3a.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean xem x\u00e9t thi\u1ebft l\u1eadp v\u1ecb tr\u00ed trong c\u00e1c giai \u0111o\u1ea1n bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng khi c\u00e1c ch\u1ec9 s\u1ed1 r\u1ee7i ro\/ph\u1ea7n th\u01b0\u1edfng tr\u1edf n\u00ean thu\u1eadn l\u1ee3i nh\u1ea5t. C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option khuy\u1ebfn ngh\u1ecb m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn nh\u1eadp c\u1ea3nh theo giai \u0111o\u1ea1n v\u1edbi k\u00edch th\u01b0\u1edbc v\u1ecb tr\u00ed ph\u00f9 h\u1ee3p v\u1edbi h\u1ed3 s\u01a1 giai \u0111o\u1ea1n t\u0103ng tr\u01b0\u1edfng c\u1ee7a SoFi v\u00e0 \u0111\u1ed9 nh\u1ea1y c\u1ea3m th\u1ecb tr\u01b0\u1eddng v\u1ed1n c\u00f3.<\/p><\/div>","body_html_source":{"label":"Body HTML","type":"wysiwyg","formatted_value":"<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>V\u1ecb Th\u1ebf Th\u1ecb Tr\u01b0\u1eddng c\u1ee7a SoFi: N\u1ec1n T\u1ea3ng cho T\u0103ng Tr\u01b0\u1edfng 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ef1 chuy\u1ec3n \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 c\u1ee7a c\u00f4ng ty t\u1eeb m\u1ed9t nh\u00e0 t\u00e1i c\u1ea5p v\u1ed1n cho vay sinh vi\u00ean ng\u00e1ch th\u00e0nh m\u1ed9t h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n. K\u1ec3 t\u1eeb khi th\u00e0nh l\u1eadp v\u00e0o n\u0103m 2011, SoFi Technologies (NASDAQ: SoFi) \u0111\u00e3 m\u1edf r\u1ed9ng chi\u1ebfn l\u01b0\u1ee3c v\u00e0o ng\u00e2n h\u00e0ng, \u0111\u1ea7u t\u01b0, b\u1ea3o hi\u1ec3m v\u00e0 s\u1ea3n ph\u1ea9m th\u1ebf ch\u1ea5p th\u00f4ng qua n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean hi\u1ec7n ph\u1ee5c v\u1ee5 h\u01a1n 6,2 tri\u1ec7u th\u00e0nh vi\u00ean.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Vi\u1ec7c mua l\u1ea1i gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng v\u00e0o th\u00e1ng 1 n\u0103m 2022 \u0111\u1ea1i di\u1ec7n cho m\u1ed9t ch\u1ea5t x\u00fac t\u00e1c then ch\u1ed1t trong s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a SoFi, gi\u1ea3m chi ph\u00ed t\u00e0i tr\u1ee3 kho\u1ea3ng 100 \u0111i\u1ec3m c\u01a1 b\u1ea3n theo c\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option. C\u1ed9t m\u1ed1c ph\u00e1p l\u00fd n\u00e0y lo\u1ea1i b\u1ecf c\u00e1c ng\u00e2n h\u00e0ng trung gian kh\u1ecfi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a SoFi, c\u00f3 th\u1ec3 th\u00eam 200-300 tri\u1ec7u \u0111\u00f4 la v\u00e0o thu nh\u1eadp tr\u01b0\u1edbc thu\u1ebf h\u00e0ng n\u0103m v\u00e0o n\u0103m 2025 \u0111\u1ed3ng th\u1eddi cho ph\u00e9p t\u00e0i tr\u1ee3 d\u1ef1a tr\u00ean ti\u1ec1n g\u1eedi cho c\u00e1c kho\u1ea3n vay.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>C\u00e1c Ch\u1ec9 S\u1ed1 T\u00e0i Ch\u00ednh Th\u00fac \u0110\u1ea9y \u0110\u1ecbnh Gi\u00e1 SoFi 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Khi \u0111\u00e1nh gi\u00e1 d\u1ef1 \u0111o\u00e1n gi\u00e1 c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean t\u1eadp trung v\u00e0o b\u1ed1n ch\u1ec9 s\u1ed1 hi\u1ec7u su\u1ea5t quan tr\u1ecdng s\u1ebd quy\u1ebft \u0111\u1ecbnh li\u1ec7u c\u00f4ng ty c\u00f3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau \u0111\u1ea7y tham v\u1ecdng c\u1ee7a m\u00ecnh hay kh\u00f4ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 S\u1ed1 T\u00e0i Ch\u00ednh<\/th>\n<th>Hi\u1ec7u Su\u1ea5t 2023<\/th>\n<th>D\u1ef1 B\u00e1o 2025<\/th>\n<th>T\u00e1c \u0110\u1ed9ng \u0110\u1ebfn \u0110\u1ecbnh Gi\u00e1<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u0103ng Tr\u01b0\u1edfng Doanh Thu<\/td>\n<td>27% YoY<\/td>\n<td>22-28% CAGR<\/td>\n<td>Duy tr\u00ec t\u0103ng tr\u01b0\u1edfng 25%+ c\u00f3 th\u1ec3 bi\u1ec7n minh cho c\u00e1c b\u1ed9i s\u1ed1 cao c\u1ea5p<\/td>\n<\/tr>\n<tr>\n<td>Bi\u00ean EBITDA<\/td>\n<td>12-15%<\/td>\n<td>20-25%<\/td>\n<td>M\u1ed7i c\u1ea3i thi\u1ec7n bi\u00ean 5% c\u00f3 th\u1ec3 th\u00eam $3-5 v\u00e0o gi\u00e1 c\u1ed5 phi\u1ebfu<\/td>\n<\/tr>\n<tr>\n<td>T\u0103ng Tr\u01b0\u1edfng Th\u00e0nh Vi\u00ean<\/td>\n<td>5.2M+<\/td>\n<td>10-12M<\/td>\n<td>Xu h\u01b0\u1edbng chi ph\u00ed thu h\u00fat quan tr\u1ecdng h\u01a1n s\u1ed1 l\u01b0\u1ee3ng th\u00f4<\/td>\n<\/tr>\n<tr>\n<td>S\u1ea3n Ph\u1ea9m M\u1ed7i Ng\u01b0\u1eddi D\u00f9ng<\/td>\n<td>~2.0<\/td>\n<td>3.5-4.0<\/td>\n<td>Ch\u1ec9 s\u1ed1 quan tr\u1ecdng \u0111\u1ec3 x\u00e1c nh\u1eadn hi\u1ec7u \u1ee9ng b\u00e1nh \u0111\u00e0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ph\u00e2n kh\u00fac kinh doanh SoFi s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn m\u1ee5c ti\u00eau gi\u00e1 c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025. N\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 c\u1ee7a c\u00f4ng ty (Galileo v\u00e0 Technisys) \u0111\u00e3 cung c\u1ea5p n\u0103ng l\u01b0\u1ee3ng cho h\u01a1n 130 tri\u1ec7u t\u00e0i kho\u1ea3n cho c\u00e1c c\u00f4ng ty fintech kh\u00e1c, t\u1ea1o ra m\u1ed9t d\u00f2ng doanh thu bi\u00ean cao \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o s\u1ebd t\u0103ng t\u1eeb 25% l\u00ean 35% t\u1ed5ng doanh thu v\u00e0o n\u0103m 2025.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>M\u00f4i Tr\u01b0\u1eddng L\u00e3i Su\u1ea5t: Con Dao Hai L\u01b0\u1ee1i<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>B\u1ed1i c\u1ea3nh l\u00e3i su\u1ea5t mang l\u1ea1i c\u1ea3 c\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c cho SoFi \u0111\u1ebfn n\u0103m 2025. D\u1ef1a tr\u00ean c\u00e1c d\u1ef1 b\u00e1o c\u1ee7a C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang v\u00e0 c\u00e1c d\u1ef1 b\u00e1o kinh t\u1ebf, ba k\u1ecbch b\u1ea3n \u0111\u00e1ng ch\u00fa \u00fd \u0111\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Gi\u1ea3m l\u00e3i su\u1ea5t d\u1ea7n d\u1ea7n (3-4% v\u00e0o n\u0103m 2025): S\u1ebd th\u00fac \u0111\u1ea9y kh\u1ed1i l\u01b0\u1ee3ng cho vay c\u00e1 nh\u00e2n v\u00e0 t\u00e1i c\u1ea5p v\u1ed1n c\u1ee7a SoFi t\u0103ng 15-20% trong khi duy tr\u00ec bi\u00ean l\u1ee3i nhu\u1eadn l\u00e0nh m\u1ea1nh<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>L\u00e3i su\u1ea5t cao \u1ed5n \u0111\u1ecbnh (4-5%): S\u1ebd g\u00e2y \u00e1p l\u1ef1c l\u00ean t\u0103ng tr\u01b0\u1edfng cho vay nh\u01b0ng t\u0103ng c\u01b0\u1eddng bi\u00ean l\u1ee3i nhu\u1eadn ti\u1ec1n g\u1eedi, c\u00f3 th\u1ec3 mang l\u1ea1i bi\u00ean l\u1ee3i nhu\u1eadn r\u00f2ng 20-25%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>M\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t bi\u1ebfn \u0111\u1ed9ng: S\u1ebd ki\u1ec3m tra c\u00e1c chi\u1ebfn l\u01b0\u1ee3c ph\u00f2ng ng\u1eeba r\u1ee7i ro c\u1ee7a SoFi nh\u01b0ng c\u00f3 th\u1ec3 mang l\u1ea1i l\u1ee3i \u00edch cho doanh thu giao d\u1ecbch t\u1eeb kh\u00e1ch h\u00e0ng B2B c\u1ee7a Galileo<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Hi\u1ec7u su\u1ea5t c\u1ee7a SoFi v\u00e0o n\u0103m 2025 trong b\u1ea5t k\u1ef3 m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t n\u00e0o s\u1ebd \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1 b\u1edfi l\u1ee3i th\u1ebf t\u00e0i tr\u1ee3 ti\u1ec1n g\u1eedi c\u1ee7a m\u00ecnh. Nghi\u00ean c\u1ee9u c\u1ee7a Pocket Option ti\u1ebft l\u1ed9 r\u1eb1ng chi ph\u00ed ti\u1ec1n g\u1eedi c\u1ee7a SoFi trung b\u00ecnh th\u1ea5p h\u01a1n 1,5-2% so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng, t\u1ea1o ra l\u1ee3i th\u1ebf c\u1ea1nh tranh c\u1ea5u tr\u00fac trong ho\u1ea1t \u0111\u1ed9ng cho vay.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Quan \u0110i\u1ec3m c\u1ee7a Ph\u1ed1 Wall v\u1ec1 C\u1ed5 Phi\u1ebfu SoFi 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c d\u1ef1 b\u00e1o g\u1ea7n \u0111\u00e2y c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch v\u1ec1 d\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 ti\u1ebft l\u1ed9 m\u1ed9t ph\u1ea1m vi \u0111\u1ecbnh gi\u00e1 r\u1ed9ng do c\u00e1c gi\u1ea3 \u0111\u1ecbnh kh\u00e1c nhau v\u1ec1 th\u1ef1c thi v\u00e0 \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng. Vi\u1ec7c Morgan Stanley kh\u1edfi \u0111\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m g\u1ea7n \u0111\u00e2y v\u1edbi x\u1ebfp h\u1ea1ng &#8220;mua v\u1eeba ph\u1ea3i&#8221; nh\u1ea5n m\u1ea1nh v\u1ecb tr\u00ed \u0111\u1ed9c \u0111\u00e1o c\u1ee7a SoFi t\u1ea1i giao \u0111i\u1ec3m c\u1ee7a \u0111\u1ed5i m\u1edbi fintech v\u00e0 s\u1ef1 \u1ed5n \u0111\u1ecbnh ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>C\u00f4ng Ty Ph\u00e2n T\u00edch<\/th>\n<th>M\u1ee5c Ti\u00eau Gi\u00e1 2025<\/th>\n<th>Lu\u1eadn \u0110i\u1ec3m \u0110\u1ea7u T\u01b0 Ch\u00ednh<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Mizuho Securities<\/td>\n<td>$27-32<\/td>\n<td>Ph\u00e2n kh\u00fac D\u1ecbch v\u1ee5 T\u00e0i ch\u00ednh \u0111\u1ea1t l\u1ee3i nhu\u1eadn v\u00e0o Q3 2024<\/td>\n<\/tr>\n<tr>\n<td>Oppenheimer<\/td>\n<td>$18-24<\/td>\n<td>T\u0103ng tr\u01b0\u1edfng n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 b\u00f9 \u0111\u1eafp kh\u00f3 kh\u0103n cho vay<\/td>\n<\/tr>\n<tr>\n<td>Jefferies<\/td>\n<td>$10-16<\/td>\n<td>Lo ng\u1ea1i v\u1ec1 \u00e1p l\u1ef1c c\u1ea1nh tranh v\u00e0 gi\u00e1m s\u00e1t quy \u0111\u1ecbnh<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ebfn n\u0103m 2025, nhi\u1ec1u nh\u00e0 ph\u00e2n t\u00edch k\u1ef3 v\u1ecdng \u0111\u1ecbnh gi\u00e1 d\u1ef1 b\u00e1o gi\u00e1 c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 s\u1ebd chuy\u1ec3n t\u1eeb c\u00e1c b\u1ed9i s\u1ed1 d\u1ef1a tr\u00ean doanh thu (th\u01b0\u1eddng l\u00e0 3-5x doanh thu d\u1ef1 ki\u1ebfn hi\u1ec7n t\u1ea1i) sang c\u00e1c ch\u1ec9 s\u1ed1 d\u1ef1a tr\u00ean thu nh\u1eadp (15-25x P\/E d\u1ef1 ki\u1ebfn) khi c\u00f4ng ty \u0111\u1ea1t \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn \u1ed5n \u0111\u1ecbnh. S\u1ef1 chuy\u1ec3n \u0111\u1ed5i ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ecbnh gi\u00e1 n\u00e0y c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn c\u00e1c m\u1ee5c ti\u00eau gi\u00e1.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>L\u1ee3i Th\u1ebf C\u00f4ng Ngh\u1ec7 v\u00e0 H\u00e0o Quang C\u1ea1nh Tranh<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Kh\u1ea3 n\u0103ng c\u00f4ng ngh\u1ec7 c\u1ee7a SoFi cung c\u1ea5p nh\u1eefng l\u1ee3i th\u1ebf c\u1ea1nh tranh \u0111\u00e1ng k\u1ec3 s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn hi\u1ec7u su\u1ea5t c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025. Vi\u1ec7c mua l\u1ea1i Technisys c\u1ee7a c\u00f4ng ty v\u00e0o n\u0103m 2022 v\u1edbi gi\u00e1 1,1 t\u1ef7 \u0111\u00f4 la b\u1ed5 sung cho vi\u1ec7c mua l\u1ea1i Galileo tr\u01b0\u1edbc \u0111\u00f3, t\u1ea1o ra m\u1ed9t ng\u0103n x\u1ebfp c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng t\u00e0i ch\u00ednh t\u1eeb \u0111\u1ea7u \u0111\u1ebfn cu\u1ed1i cung c\u1ea5p n\u0103ng l\u01b0\u1ee3ng cho c\u1ea3 c\u00e1c d\u1ecbch v\u1ee5 ti\u00eau d\u00f9ng c\u1ee7a SoFi v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh b\u00ean th\u1ee9 ba.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Thu\u1eadt to\u00e1n quy\u1ebft \u0111\u1ecbnh t\u00edn d\u1ee5ng \u0111\u1ed9c quy\u1ec1n gi\u1ea3m t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3 25% so v\u1edbi c\u00e1c m\u00f4 h\u00ecnh truy\u1ec1n th\u1ed1ng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ec7 th\u1ed1ng x\u1eed l\u00fd l\u00f5i ng\u00e2n h\u00e0ng x\u1eed l\u00fd h\u01a1n 4.000 giao d\u1ecbch m\u1ed7i gi\u00e2y v\u1edbi th\u1eddi gian ho\u1ea1t \u0111\u1ed9ng 99,99%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kh\u1ea3 n\u0103ng khoa h\u1ecdc d\u1eef li\u1ec7u cho ph\u00e9p \u0111\u1ec1 xu\u1ea5t s\u1ea3n ph\u1ea9m c\u00e1 nh\u00e2n h\u00f3a v\u1edbi t\u1ef7 l\u1ec7 chuy\u1ec3n \u0111\u1ed5i cao h\u01a1n 40%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ec7 sinh th\u00e1i API h\u1ed7 tr\u1ee3 h\u01a1n 450 \u0111i\u1ec3m t\u00edch h\u1ee3p v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 b\u00ean th\u1ee9 ba<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>R\u1ee7i Ro Quan Tr\u1ecdng C\u1ea7n Theo D\u00f5i<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 th\u1eadn tr\u1ecdng xem x\u00e9t m\u1ee5c ti\u00eau gi\u00e1 c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 n\u00ean theo d\u00f5i ch\u1eb7t ch\u1ebd m\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 r\u1ee7i ro ch\u00ednh c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn hi\u1ec7u su\u1ea5t:<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Y\u1ebfu T\u1ed1 R\u1ee7i Ro<\/th>\n<th>T\u00e1c \u0110\u1ed9ng Ti\u1ec1m N\u0103ng<\/th>\n<th>X\u00e1c Su\u1ea5t<\/th>\n<th>Chi\u1ebfn L\u01b0\u1ee3c Gi\u1ea3m Thi\u1ec3u<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u0103ng t\u1ed1c k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng<\/td>\n<td>C\u1ea1nh tranh gia t\u0103ng cho ti\u1ec1n g\u1eedi v\u00e0 kho\u1ea3n vay<\/td>\n<td>Cao<\/td>\n<td>Duy tr\u00ec t\u1ed1c \u0111\u1ed9 tri\u1ec3n khai t\u00ednh n\u0103ng nhanh h\u01a1n 2-3 l\u1ea7n<\/td>\n<\/tr>\n<tr>\n<td>Gi\u00e1m s\u00e1t quy \u0111\u1ecbnh fintech<\/td>\n<td>T\u0103ng chi ph\u00ed tu\u00e2n th\u1ee7, s\u1ea3n ph\u1ea9m b\u1ecb h\u1ea1n ch\u1ebf<\/td>\n<td>Trung b\u00ecnh<\/td>\n<td>Gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng cung c\u1ea5p s\u1ef1 r\u00f5 r\u00e0ng v\u1ec1 quy \u0111\u1ecbnh<\/td>\n<\/tr>\n<tr>\n<td>Suy gi\u1ea3m hi\u1ec7u su\u1ea5t t\u00edn d\u1ee5ng<\/td>\n<td>T\u0103ng t\u1ed5n th\u1ea5t cho vay trong th\u1eddi k\u1ef3 c\u0103ng th\u1eb3ng kinh t\u1ebf<\/td>\n<td>Trung b\u00ecnh-Th\u1ea5p<\/td>\n<td>T\u1eadp trung v\u00e0o kh\u00e1ch h\u00e0ng Prime+ (FICO trung b\u00ecnh 720+)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Nghi\u00ean c\u1ee9u c\u1ee7a Pocket Option ch\u1ec9 ra r\u1eb1ng s\u1ef1 ti\u1ebfp x\u00fac c\u1ee7a SoFi v\u1edbi t\u00e1i c\u1ea5p v\u1ed1n cho vay sinh vi\u00ean \u0111\u00e3 gi\u1ea3m t\u1eeb 83% doanh thu v\u00e0o n\u0103m 2019 xu\u1ed1ng d\u01b0\u1edbi 30% hi\u1ec7n nay, gi\u1ea3m \u0111\u00e1ng k\u1ec3 r\u1ee7i ro t\u1eadp trung quy \u0111\u1ecbnh m\u00e0 tr\u01b0\u1edbc \u0111\u00e2y c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 lo ng\u1ea1i.<\/p>\n<\/div>\n    <div class=\"po-container po-container_width_article\">\n        <a href=\"\/en\/quick-start\/\" class=\"po-line-banner po-article-page__line-banner\">\n            <svg class=\"svg-image po-line-banner__logo\" fill=\"currentColor\" width=\"auto\" height=\"auto\"\n                 aria-hidden=\"true\">\n                <use href=\"#svg-img-logo-white\"><\/use>\n            <\/svg>\n            <span class=\"po-line-banner__btn\"><\/span>\n        <\/a>\n    <\/div>\n    \n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>K\u1ebft Lu\u1eadn \u0110\u1ea7u T\u01b0: \u0110i\u1ec1u Ch\u1ec9nh K\u1ef3 V\u1ecdng cho C\u1ed5 Phi\u1ebfu SoFi 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Tri\u1ec3n v\u1ecdng c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025 tr\u00ecnh b\u00e0y m\u1ed9t tr\u01b0\u1eddng h\u1ee3p \u0111\u1ea7u t\u01b0 h\u1ea5p d\u1eabn nh\u01b0ng ph\u1ee9c t\u1ea1p. Qu\u1ef9 \u0111\u1ea1o c\u1ee7a c\u00f4ng ty h\u01b0\u1edbng t\u1edbi m\u1ed9t m\u00f4 h\u00ecnh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111a d\u1ea1ng, bi\u00ean cao v\u1edbi doanh thu n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 \u0111\u00e1ng k\u1ec3 n\u00ean h\u1ed7 tr\u1ee3 m\u1edf r\u1ed9ng \u0111\u1ecbnh gi\u00e1 n\u1ebfu th\u1ef1c thi v\u1eabn m\u1ea1nh m\u1ebd.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u1ef1a tr\u00ean ph\u00e2n t\u00edch to\u00e0n di\u1ec7n v\u1ec1 c\u00e1c vect\u01a1 t\u0103ng tr\u01b0\u1edfng, v\u1ecb tr\u00ed c\u1ea1nh tranh v\u00e0 xu h\u01b0\u1edbng ng\u00e0nh, m\u1ed9t d\u1ef1 \u0111o\u00e1n gi\u00e1 c\u1ed5 phi\u1ebfu SoFi th\u1ef1c t\u1ebf n\u0103m 2025 n\u1eb1m trong kho\u1ea3ng $18-28, \u0111\u1ea1i di\u1ec7n cho ti\u1ec1m n\u0103ng t\u0103ng 80-180% t\u1eeb m\u1ee9c hi\u1ec7n t\u1ea1i. D\u1ef1 b\u00e1o n\u00e0y gi\u1ea3 \u0111\u1ecbnh: 1) m\u1edf r\u1ed9ng th\u00e0nh c\u00f4ng l\u00ean 9-11 tri\u1ec7u th\u00e0nh vi\u00ean, 2) bi\u00ean EBITDA \u0111\u1ea1t 22-26%, 3) n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 \u0111\u00f3ng g\u00f3p 30-35% t\u1ed5ng doanh thu, v\u00e0 4) m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t b\u00ecnh th\u01b0\u1eddng h\u00f3a.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean xem x\u00e9t thi\u1ebft l\u1eadp v\u1ecb tr\u00ed trong c\u00e1c giai \u0111o\u1ea1n bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng khi c\u00e1c ch\u1ec9 s\u1ed1 r\u1ee7i ro\/ph\u1ea7n th\u01b0\u1edfng tr\u1edf n\u00ean thu\u1eadn l\u1ee3i nh\u1ea5t. C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option khuy\u1ebfn ngh\u1ecb m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn nh\u1eadp c\u1ea3nh theo giai \u0111o\u1ea1n v\u1edbi k\u00edch th\u01b0\u1edbc v\u1ecb tr\u00ed ph\u00f9 h\u1ee3p v\u1edbi h\u1ed3 s\u01a1 giai \u0111o\u1ea1n t\u0103ng tr\u01b0\u1edfng c\u1ee7a SoFi v\u00e0 \u0111\u1ed9 nh\u1ea1y c\u1ea3m th\u1ecb tr\u01b0\u1eddng v\u1ed1n c\u00f3.<\/p>\n<\/div>\n"},"faq":[{"question":"Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 nh\u1ea5t \u0111\u1ebfn d\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025?","answer":"T\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng th\u00e0nh vi\u00ean v\u00e0 c\u00e1c ch\u1ec9 s\u1ed1 ch\u1ea5p nh\u1eadn s\u1ea3n ph\u1ea9m tr\u1ef1c ti\u1ebfp th\u00fac \u0111\u1ea9y c\u00e1c b\u1ed9i s\u1ed1 \u0111\u1ecbnh gi\u00e1 c\u1ee7a SoFi. Kh\u1ea3 n\u0103ng c\u1ee7a c\u00f4ng ty trong vi\u1ec7c t\u0103ng s\u1ed1 l\u01b0\u1ee3ng s\u1ea3n ph\u1ea9m tr\u00ean m\u1ed7i ng\u01b0\u1eddi d\u00f9ng t\u1eeb 2.0 hi\u1ec7n t\u1ea1i l\u00ean 3.5+ v\u00e0o n\u0103m 2025 c\u00f3 th\u1ec3 ti\u1ec1m n\u0103ng t\u0103ng g\u1ea5p \u0111\u00f4i c\u00e1c t\u00ednh to\u00e1n gi\u00e1 tr\u1ecb kh\u00e1ch h\u00e0ng tr\u1ecdn \u0111\u1eddi."},{"question":"SoFi c\u00f3 \u0111\u01b0\u1ee3c d\u1ef1 ki\u1ebfn s\u1ebd c\u00f3 l\u1ee3i nhu\u1eadn \u1ed5n \u0111\u1ecbnh v\u00e0o n\u0103m 2025 kh\u00f4ng?","answer":"SoFi \u0111\u01b0\u1ee3c d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u1ea1t l\u1ee3i nhu\u1eadn GAAP v\u00e0o cu\u1ed1i n\u0103m 2024, v\u1edbi l\u1ee3i nhu\u1eadn d\u01b0\u01a1ng c\u1ea3 n\u0103m v\u00e0o n\u0103m 2025. EBITDA \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a c\u00f4ng ty \u0111\u00e3 chuy\u1ec3n sang d\u01b0\u01a1ng v\u00e0o n\u0103m 2023, cho th\u1ea5y s\u1ef1 c\u1ea3i thi\u1ec7n bi\u00ean l\u1ee3i nhu\u1eadn t\u0103ng t\u1ed1c qua t\u1eebng qu\u00fd."},{"question":"Gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng c\u1ee7a SoFi c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn d\u1ef1 b\u00e1o gi\u00e1 c\u1ed5 phi\u1ebfu n\u0103m 2025 c\u1ee7a c\u00f4ng ty?","answer":"Hi\u1ebfn ch\u01b0\u01a1ng ng\u00e2n h\u00e0ng t\u1ea1o ra l\u1ee3i th\u1ebf t\u00e0i tr\u1ee3 t\u1eeb 100-150 \u0111i\u1ec3m c\u01a1 b\u1ea3n so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y chuy\u1ec3n th\u00e0nh kho\u1ea3ng 200-300 tri\u1ec7u \u0111\u00f4 la thu nh\u1eadp tr\u01b0\u1edbc thu\u1ebf h\u00e0ng n\u0103m b\u1ed5 sung v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng cho vay d\u1ef1 ki\u1ebfn v\u00e0o n\u0103m 2025."},{"question":"Nh\u1eefng m\u1ed1i \u0111e d\u1ecda c\u1ea1nh tranh n\u00e0o c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ee5c ti\u00eau gi\u00e1 c\u1ed5 phi\u1ebfu c\u1ee7a SoFi v\u00e0o n\u0103m 2025?","answer":"M\u1ed1i \u0111e d\u1ecda ch\u00ednh \u0111\u1ebfn t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng \u0111ang t\u0103ng t\u1ed1c chuy\u1ec3n \u0111\u1ed5i s\u1ed1, v\u1edbi d\u1ecbch v\u1ee5 Chase ch\u1ec9 d\u00e0nh cho k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a JPMorgan v\u00e0 n\u1ec1n t\u1ea3ng Marcus c\u1ee7a Goldman nh\u1eafm tr\u1ef1c ti\u1ebfp v\u00e0o \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng c\u1ee7a SoFi. C\u00e1c c\u00f4ng ty fintech chuy\u00ean bi\u1ec7t nh\u01b0 Robinhood c\u0169ng ti\u1ebfp t\u1ee5c th\u00e1ch th\u1ee9c c\u00e1c s\u1ea3n ph\u1ea9m theo chi\u1ec1u d\u1ecdc c\u1ee5 th\u1ec3."},{"question":"Pocket Option \u0111\u00e1nh gi\u00e1 ti\u1ec1m n\u0103ng kinh doanh c\u1ee7a n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 SoFi nh\u01b0 th\u1ebf n\u00e0o v\u00e0o n\u0103m 2025?","answer":"C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option coi ph\u00e2n kh\u00fac c\u00f4ng ngh\u1ec7 Galileo\/Technisys l\u00e0 t\u00e0i s\u1ea3n b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p nh\u1ea5t c\u1ee7a SoFi. Doanh nghi\u1ec7p c\u00f3 bi\u00ean l\u1ee3i nhu\u1eadn cao n\u00e0y hi\u1ec7n \u0111ang cung c\u1ea5p d\u1ecbch v\u1ee5 cho h\u01a1n 130 tri\u1ec7u t\u00e0i kho\u1ea3n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh kh\u00e1c, v\u1edbi d\u1ef1 ki\u1ebfn t\u0103ng tr\u01b0\u1edfng k\u00e9p h\u00e0ng n\u0103m (CAGR) 40% \u0111\u1ebfn n\u0103m 2025 v\u00e0 ti\u1ec1m n\u0103ng bi\u00ean l\u1ee3i nhu\u1eadn \u0111\u00f3ng g\u00f3p 45-50%."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 nh\u1ea5t \u0111\u1ebfn d\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi n\u0103m 2025?","answer":"T\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng th\u00e0nh vi\u00ean v\u00e0 c\u00e1c ch\u1ec9 s\u1ed1 ch\u1ea5p nh\u1eadn s\u1ea3n ph\u1ea9m tr\u1ef1c ti\u1ebfp th\u00fac \u0111\u1ea9y c\u00e1c b\u1ed9i s\u1ed1 \u0111\u1ecbnh gi\u00e1 c\u1ee7a SoFi. Kh\u1ea3 n\u0103ng c\u1ee7a c\u00f4ng ty trong vi\u1ec7c t\u0103ng s\u1ed1 l\u01b0\u1ee3ng s\u1ea3n ph\u1ea9m tr\u00ean m\u1ed7i ng\u01b0\u1eddi d\u00f9ng t\u1eeb 2.0 hi\u1ec7n t\u1ea1i l\u00ean 3.5+ v\u00e0o n\u0103m 2025 c\u00f3 th\u1ec3 ti\u1ec1m n\u0103ng t\u0103ng g\u1ea5p \u0111\u00f4i c\u00e1c t\u00ednh to\u00e1n gi\u00e1 tr\u1ecb kh\u00e1ch h\u00e0ng tr\u1ecdn \u0111\u1eddi."},{"question":"SoFi c\u00f3 \u0111\u01b0\u1ee3c d\u1ef1 ki\u1ebfn s\u1ebd c\u00f3 l\u1ee3i nhu\u1eadn \u1ed5n \u0111\u1ecbnh v\u00e0o n\u0103m 2025 kh\u00f4ng?","answer":"SoFi \u0111\u01b0\u1ee3c d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u1ea1t l\u1ee3i nhu\u1eadn GAAP v\u00e0o cu\u1ed1i n\u0103m 2024, v\u1edbi l\u1ee3i nhu\u1eadn d\u01b0\u01a1ng c\u1ea3 n\u0103m v\u00e0o n\u0103m 2025. EBITDA \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a c\u00f4ng ty \u0111\u00e3 chuy\u1ec3n sang d\u01b0\u01a1ng v\u00e0o n\u0103m 2023, cho th\u1ea5y s\u1ef1 c\u1ea3i thi\u1ec7n bi\u00ean l\u1ee3i nhu\u1eadn t\u0103ng t\u1ed1c qua t\u1eebng qu\u00fd."},{"question":"Gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng c\u1ee7a SoFi c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn d\u1ef1 b\u00e1o gi\u00e1 c\u1ed5 phi\u1ebfu n\u0103m 2025 c\u1ee7a c\u00f4ng ty?","answer":"Hi\u1ebfn ch\u01b0\u01a1ng ng\u00e2n h\u00e0ng t\u1ea1o ra l\u1ee3i th\u1ebf t\u00e0i tr\u1ee3 t\u1eeb 100-150 \u0111i\u1ec3m c\u01a1 b\u1ea3n so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y chuy\u1ec3n th\u00e0nh kho\u1ea3ng 200-300 tri\u1ec7u \u0111\u00f4 la thu nh\u1eadp tr\u01b0\u1edbc thu\u1ebf h\u00e0ng n\u0103m b\u1ed5 sung v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng cho vay d\u1ef1 ki\u1ebfn v\u00e0o n\u0103m 2025."},{"question":"Nh\u1eefng m\u1ed1i \u0111e d\u1ecda c\u1ea1nh tranh n\u00e0o c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ee5c ti\u00eau gi\u00e1 c\u1ed5 phi\u1ebfu c\u1ee7a SoFi v\u00e0o n\u0103m 2025?","answer":"M\u1ed1i \u0111e d\u1ecda ch\u00ednh \u0111\u1ebfn t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng \u0111ang t\u0103ng t\u1ed1c chuy\u1ec3n \u0111\u1ed5i s\u1ed1, v\u1edbi d\u1ecbch v\u1ee5 Chase ch\u1ec9 d\u00e0nh cho k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a JPMorgan v\u00e0 n\u1ec1n t\u1ea3ng Marcus c\u1ee7a Goldman nh\u1eafm tr\u1ef1c ti\u1ebfp v\u00e0o \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng c\u1ee7a SoFi. C\u00e1c c\u00f4ng ty fintech chuy\u00ean bi\u1ec7t nh\u01b0 Robinhood c\u0169ng ti\u1ebfp t\u1ee5c th\u00e1ch th\u1ee9c c\u00e1c s\u1ea3n ph\u1ea9m theo chi\u1ec1u d\u1ecdc c\u1ee5 th\u1ec3."},{"question":"Pocket Option \u0111\u00e1nh gi\u00e1 ti\u1ec1m n\u0103ng kinh doanh c\u1ee7a n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 SoFi nh\u01b0 th\u1ebf n\u00e0o v\u00e0o n\u0103m 2025?","answer":"C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option coi ph\u00e2n kh\u00fac c\u00f4ng ngh\u1ec7 Galileo\/Technisys l\u00e0 t\u00e0i s\u1ea3n b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p nh\u1ea5t c\u1ee7a SoFi. Doanh nghi\u1ec7p c\u00f3 bi\u00ean l\u1ee3i nhu\u1eadn cao n\u00e0y hi\u1ec7n \u0111ang cung c\u1ea5p d\u1ecbch v\u1ee5 cho h\u01a1n 130 tri\u1ec7u t\u00e0i kho\u1ea3n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh kh\u00e1c, v\u1edbi d\u1ef1 ki\u1ebfn t\u0103ng tr\u01b0\u1edfng k\u00e9p h\u00e0ng n\u0103m (CAGR) 40% \u0111\u1ebfn n\u0103m 2025 v\u00e0 ti\u1ec1m n\u0103ng bi\u00ean l\u1ee3i nhu\u1eadn \u0111\u00f3ng g\u00f3p 45-50%."}]}},"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>D\u1ef1 b\u00e1o c\u1ed5 phi\u1ebfu SoFi 2025: Ph\u00e2n t\u00edch chuy\u00ean gia v\u00e0 d\u1ef1 \u0111o\u00e1n gi\u00e1 cho nh\u00e0 \u0111\u1ea7u t\u01b0<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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