Earnings Call Summary | SoFi Technologies(SOFI.US) Q1 2024 Earnings Conference
Earnings Call Summary | SoFi Technologies(SOFI.US) Q1 2024 Earnings Conference
SoFi's book value saw a growth of $608 million, standing at $4.1 billion now.The following is a summary of the SoFi Technologies, Inc (SOFI) Q1 2024 Earnings Call Transcript:
以下是SoFi科技公司（SOFI）2024年第一季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
SoFi reported Q1 revenue of $581 million, a 26% YoY growth and an adjusted EBIDTA of $144 million, a 91% increase year-on-year.
The net income achieved was $88 million, with a significant boost from a $59 million one-time benefit due to exchange of convertible notes.
SoFi's book value saw a growth of $608 million, standing at $4.1 billion now.
The company's adjusted earnings per share for Q1 was $0.02.
Despite a flat year over year result in the lending sector, a record growth of $336 million in home loan originations was reached, marking a 274% YoY increase.
SoFi報告稱，第一季度收入爲5.81億美元，同比增長26％，調整後的息稅折舊攤銷前利潤爲1.44億美元，同比增長91％。
實現的淨收入爲8,800萬美元，這與可轉換票據交換產生的5900萬美元一次性收益相比得到了顯著提振。
SoFi的賬面價值增長了6.08億美元，目前爲41億美元。
該公司第一季度調整後的每股收益爲0.02美元。
儘管貸款行業的業績同比持平，但住房貸款發放額仍創下了創紀錄的3.36億美元增長，同比增長了274％。
Business Progress:
業務進展：
SoFi expanded its member base to 8.1 million, a growth of 44% YoY, aided by continued investment in product development and sales strategy diversification.
SoFi Money accounts saw a 61% YoY increase, reaching 3.9 million with majority of deposits from direct deposit members.
Strategic transactions carried out in Q1 lead to structure optimization and boosted capital capacity, with sell off of $1.9 billion worth loan portions in Q1.
2024 objectives include maintaining a net interest margin above 5%, addition of minimum 2.3 million members marking a 30% growth and an adjusted net revenue between $2.39 billion and $2.43 billion.
Strong growth trends are expected due to record deposit growth in Q1, more product uptake, and the continuous development of the credit model especially in the credit card segments.
SoFi將其成員基礎擴大到810萬，同比增長44％，這得益於對產品開發和銷售戰略多元化的持續投資。
SoFi Money賬戶同比增長61％，達到390萬個，其中大部分存款來自直接存款會員。
第一季度進行的戰略交易促進了結構優化並提高了資本容量，第一季度出售了價值19億美元的貸款。
2024年的目標包括將淨利率維持在5％以上，增加至少230萬名會員，實現30％的增長，調整後的淨收入在23.9億美元至24.3億美元之間。
由於第一季度創紀錄的存款增長、更多的產品吸收以及信貸模式的持續發展，尤其是信用卡領域的持續發展，預計將出現強勁的增長趨勢。
More details: SoFi Technologies IR
更多詳情： SoFi 科技 IR
Tips: For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
提示：欲了解更多詳情，請訪問投資者關係網站。本文僅供投資者參考，不構成任何投資建議。
譯文內容由第三人軟體翻譯。
