SOFI's Galileo platform powers millions of accounts in 2025, posting steady revenue growth as its API-first stack drives fintech innovation.
SOFI pulls ahead as profitability surges, guidance rises and deposits grow, making it the stronger fintech buy right now.
As of writing, SoFi stock has risen by ~92% year-to-date, as Mr. Market has rewarded its consistently strong business performance. Now, while recent results and financial outlook justify the stock rally, SoFi's long-term risk/reward has deteriorated to a point where fresh capital allocation doesn't make sense. Despite business outperformance, SOFI's 5-year expected CAGR return of ~12% remains below the 15% investment hurdle rate. Consequently, I maintain a 'Hold' rating at $27 per share.
Shares of fintech firm SoFi Technologies (NASDAQ:SOFI) had a solid 2025, with around 95% worth of gains, beating both the S&P 500 and Nasdaq 100 by a wide margin.
SoFi Technologies Inc.'s (NASDAQ: SOFI) chief executive officer stated at a conference earlier this year that the fintech company is targeting 30% member growth and 20% revenue growth.
SoFi Technologies is finally upgraded to a buy, driven by its expanding platform moat and robust multi-year growth trajectory. SOFI's loan platform business has achieved 4x growth, with $3.4B in originations and a $13B run rate, fueling revenue durability. Despite a nearly 50x forward earnings multiple, SOFI's growth engine supports its expansive moat and growing competitive levers.
SoFi Technologies Inc.'s (NASDAQ: SOFI) chief executive officer stated at a conference earlier this year that the fintech company is targeting 30% member growth and 20% revenue growth.
Recently, Zacks.com users have been paying close attention to SoFi Technologies (SOFI). This makes it worthwhile to examine what the stock has in store.
Capital One Financial stands to gain as digital payments grow, rates ease and consumer spending stays strong, extending momentum in payment stocks into 2026.
SOFI's chart looks shaky after the failure to find support above $30, but I'm ignoring technicals: fundamentals point to accelerating earnings and a higher 2026 repricing despite recent equity dilution. SOFI's Loan Platform Business drives higher-margin, less rate-sensitive income, reducing reliance on traditional lending and enhancing earnings power. Despite recent equity dilution, capital raises are viewed as strategic moves to optimize the balance sheet and fuel technology expansion.
SoFi's 82% surge in six months spotlights soaring profitability, record loan growth and sharply raised 2025 guidance that could keep momentum alive.
JPMorgan Chase ( NYSE:JPM ) has shaped American finance for over two centuries, tracing its roots to 1799 and repeatedly stepping in as the “bank of last resort” to avert crises.