SoFi reported an impressive Q4 with 1 million new members, totaling 13.7 million, and 1.6 million new products, up 37% YoY. Revenue hit a record $1.01 billion, growing 37% YoY. Stock declined 30% from its high, but strong fundamentals and growth potential make it an attractive investment opportunity.

SoFi’s shift to a fee-based model and expansion into new markets position it for solid earnings growth. With a strong balance sheet and revenue diversification, the company is expected to sustain momentum, projecting 30% member growth and $4.7 billion in revenue for 2026. Analysts maintain a cautious “Hold” rating.

Despite analyst caution, SoFi’s growth trajectory is strong, with revenue expected to grow at a CAGR of at least 30% through 2028. The company’s shift away from lending to fee-based services reduces risk and strengthens its position as a digital finance platform. Management’s growth expectations and profitability improvements suggest a buying opportunity despite the stock dip.

Read more at Yahoo Finance: SoFi’s Earnings Growth Looks Strong. Is This Dip a Buying Opportunity?