u/Icy_Abbreviations167

Q2 revenue $1.22B vs $1.11B expected, EPS beat, net income up 61%, adjusted EBITDA margin 30%, and full-year revenue guidance raised to $4.75B–$4.85B (32–35% growth). Record member additions (1.1M), product growth (2.2M new products), and improving cross-buy ratio (51% from existing members) indicate rising customer lifetime value and recurring revenue potential. SoFi's fintech platform is scaling profitably with accelerating lending volumes, deposit base growth, and higher guidance, justifying a long position on continued momentum. Technology Platform revenue decline (-23%) may signal competitive pressure in B2B; rising loan loss provisions or interest rate changes could impact lending margins; valuation already elevated after the run-up.

ASML beat Q2 estimates on revenue, net income, and gross margin, and raised its full-year 2026 revenue guidance midpoint from €38B to €44B. The guidance boost and capacity expansion (30% growth in EUV capacity in 2027–2028, nearly all already booked) indicate strong forward demand from major customers like TSMC, Samsung, and Intel. ASML’s monopoly on EUV lithography and accelerating adoption of High-NA EUV create a durable growth catalyst; the raised outlook supports a bullish position. Export restrictions limiting China sales (20% of 2026 sales), cyclical downturn in semiconductor capex, or geopolitical disruptions affecting customer spending.