SoFi (SOFI) Membership Grows 142%, Personal Loan Business Thrives
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Should l Buy SOFI?
Source: Fool
- Significant Membership Growth: SoFi's membership base has surged by 142% over the past three years, enhancing the company's market presence and laying the groundwork for future cross-selling opportunities.
- Sustained Revenue Growth: The company's revenue has increased even more during the same period, indicating the effectiveness of its business model and strong market demand, which in turn has driven profitability improvements.
- Strong Personal Loan Business: As of the first three quarters of 2025, personal loans accounted for 77% of SoFi's loan originations, showcasing the dominance of this segment and providing high-margin revenue streams for the company.
- Home Loan Market Potential: Although SoFi's home loan business is not yet a major revenue source, its volume nearly doubled in the last quarter from $490 million to $945 million, indicating significant growth potential as the market recovers.
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Analyst Views on SOFI
Wall Street analysts forecast SOFI stock price to rise
14 Analyst Rating
5 Buy
6 Hold
3 Sell
Hold
Current: 17.700
Low
18.00
Averages
28.31
High
38.00
Current: 17.700
Low
18.00
Averages
28.31
High
38.00
About SOFI
SoFi Technologies, Inc. is a member-centric, one-stop shop for digital financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest and protect their money. The Company's segments include Lending, Technology Platform and Financial Services. The Lending segment offers personal loans, student loans, home loans and related servicing to help its members with a variety of financial needs. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding and servicing. The Technology Platform segment provides services through a diversified suite of offerings which include an event and authorization platform accessed via application programming interfaces, a cloud-native digital and core banking platform and services related to both platforms. The Financial Services segment offers a suite of financial services solutions, including SoFi Money and SoFi Invest.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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