In January 2025, I wrote an article that shared three bold predictions for fintech disruptor SoFi (SOFI 3.78%) for the year. To be sure, we don't yet have SoFi's fourth-quarter results just yet, but based on what we know already, it's fair to go ahead and call my predictions accurate.
The short version of my predictions:
- SoFi's net income will double in 2025.
- SoFi will launch at least three new major products in 2025.
- SoFi's stock will handily outperform the S&P 500.
Of course, we don't have SoFi's full-year new income yet, but in the third quarter, it increased by 128% year over year, and the company's full-year guidance is calling for a similar rise for the full year.
Image source: Getty Images.
On the products front, the recently launched SoFi Smart Card all-in-one account is arguably the most transformative product the company has launched in years. In addition, SoFi recently launched its stablecoin, became the first nationally chartered bank to offer cryptocurrency trading, rolled out blockchain-powered international money transfers, and earlier in 2025, launched the SoFi Plus premium membership product.
NASDAQ: SOFI
Key Data Points
Last but certainly not least, SoFi handily beat the S&P 500 for the second consecutive year. Not only that, but with a 70% gain, the stock actually performed better than it did in 2024.
What's in store for 2026?
I don't have a crystal ball that can tell us what SoFi will do in 2026. But I can go ahead and offer three new bold predictions for this year:
- SoFi's membership base will reach 17.2 million in a year. That would represent 36% year-over-year growth, compared with the most recent data, and would mark an acceleration over the 35% growth rate the bank last reported.
- SoFi's net income will double again. Thanks to a combination of factors -- member growth, new products, favorable interest rate tailwinds, more fee-based revenue -- SoFi will generate more than $900 million in adjusted net income in 2026.
- SoFi's stock will reach $50 at some point in 2026. This is perhaps the boldest prediction, as SoFi trades for about $27 as of this writing. But if I'm right about the accelerated growth and profitability, it could certainly happen.
I could make a bunch of other SoFi predictions, but most of them are tied to these three. For example, I believe the SoFi Smart Card account will be more successful than investors currently anticipate, and I believe SoFi's mortgage business will have an excellent year. But the bottom line is that I think 2026 will be another excellent year for the fintech company.
