SoFi stock (SOFI) has gained over 96% year-to-date, outperforming the markets for the third consecutive year. With a widening ecosystem and a rising member count, SoFi added a record 905,000 members in Q3 2025, nearing a million new members every quarter. The company offers diverse financial products and services, including AI-driven tools, cross-selling opportunities, and efficient lending practices.

Additionally, SoFi has a diversified business model beyond lending, generating high-margin revenues through loan platform business. The company’s conservative lending practices have resulted in lower delinquency rates, with personal loan charge-offs falling to 2.6% in Q3. SoFi’s under-promising and over-delivering strategy has boosted investor confidence, with raised guidance for 2025.

Looking ahead, falling interest rates could benefit SoFi’s student loan refinancing business. The company previously issued 2026 earnings per share guidance of $0.55 to $0.80 and expects further earnings growth thereafter. From a valuation perspective, SoFi trades at 37x the top end of its 2026 guidance, showing significant potential for growth despite the current valuation.

Read more at Yahoo Finance: Looking for a Reason to Buy SoFi Stock for 2026 and Beyond? Here Are 7.