Why SoFi Stock (SOFI) Could Be Your Next Big Win in 2025
Fintech disruptor SoFi keeps rewriting the rulebook—and investors are taking notice.
The crypto-native advantage
While traditional banks still treat digital assets like radioactive waste, SoFi's seamless crypto integration gives it pole position in the Web3 banking race. Their platform doesn't just tolerate Bitcoin—it embraces the entire decentralized finance stack.
Student loans meet blockchain
Imagine refinancing your debt while earning yield in stablecoins. SoFi's hybrid approach bridges the gap between legacy finance and DeFi—something Wall Street dinosaurs still can't comprehend (but will inevitably copy).
The numbers don't lie
With user growth outpacing traditional neobanks 3:1 and crypto product adoption doubling year-over-year, SoFi's playing chess while others struggle with checkers. Of course, the suits on Wall Street will still tell you it's 'too risky'—right up until they launch their own knockoff version.
One thing's certain: in the battle for the future of finance, SoFi's not just participating—they're rewriting the rules. Whether traditional investors are ready or not.
Image source: Getty Images.
Put SoFi stock on your list
There are many reasons to buy SoFi stock, but one I want to point out today is its accelerating growth. As companies get bigger, growth rates tend to slow down. SoFi's adjusted net revenue increased 44% year over year in the second quarter to $854.9 million, above guidance of 31% to 35% growth and above Wall Street's expectations of $804.36 million. It's the company's highest quarterly growth rate in two years.
Earnings per share (EPS) were $0.08, above the expected $0.06, and up 700% from $0.01 last year. CEO Anthony Noto attributed the breakout performance to the company's investments in its platform, driving another quarter of record member growth. It added 850,000 members in the quarter to 11.7 million, a 34% increase over last year.
The company's main growth driver is its financial services segment, which was responsible for 89% of total product growth. These are largely low-cost, fee-based products that are also building the bottom line. Financial services revenue increased 106% to $362.5 million, while contribution profit was up 241%.
It also enjoyed accelerating growth in the lending segment, which was up 30% year over year, maintaining its place as the largest of SoFi's segments with $443.5 million in revenue.
Based on these results, management raised its full-year guidance from 24% to 27% growth to 30%, and EPS from $0.27 or $0.28 to $0.31. The company's understanding of its target clientele and upgrades to the platform are working, and SoFi still has a long growth runway.
