SoFi's Revenue Grows 142%, Driven by Personal Loans
Written by Emily J. Thompson, Senior Investment Analyst
Source: NASDAQ.COM
- Significant Membership Growth: SoFi's membership base has surged by 142% over the past three years, providing a robust customer foundation that drives sustained revenue growth, highlighting its market appeal and brand influence.
- Dominance in Personal Loans: Personal loans accounted for 77% of SoFi's loan originations through the first three quarters of 2025, indicating its leading position in the lending market while generating high-margin fee income for the company.
- Huge Home Loan Potential: Although SoFi's home loan performance is currently modest, with approximately $2.3 billion originated over the past three quarters, the recent quarter saw home loan volume nearly double from $490 million to $945 million, indicating strong growth momentum and future market opportunities.
- Vast Market Opportunities: With roughly $6 trillion in existing home sales annually in the U.S. and homeowners sitting on a historic $35 trillion in home equity, SoFi is well-positioned to achieve significant growth in its home loan business in the coming years.
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Analyst Views on SOFI
Wall Street analysts forecast SOFI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SOFI is 28.31 USD with a low forecast of 18.00 USD and a high forecast of 38.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
14 Analyst Rating
5 Buy
6 Hold
3 Sell
Hold
Current: 24.600
Low
18.00
Averages
28.31
High
38.00
Current: 24.600
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.
SoFi Technologies: A Potential Wealth Growth Opportunity
- Annual Returns: SoFi Technologies achieved an impressive average annual return of 48.3% over the past year and 66.3% over the past three years, indicating strong growth potential that could significantly increase investor wealth if sustained.
- Member Growth: The company reported a record membership of 12.6 million, reflecting a 35% increase year-over-year, which highlights its growing appeal among younger consumers and suggests further market share expansion opportunities.
- Revenue Growth: In its third quarter, adjusted net revenue surged 38% year-over-year to a record $950 million, while adjusted EBITDA rose 49% to $277 million, showcasing the company's robust performance across its diversified financial services.
- Market Potential: Although SoFi's mortgage business currently represents a small portion of its operations, the anticipated decline in interest rates could provide significant growth opportunities if the company successfully cross-sells mortgages to its established customer base.
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