In January 2025, an article shared three predictions for fintech company SoFi Technologies for that year. The predictions stated that SoFi's net income would double in 2025, the company would launch at least three new major products, and its stock would handily outperform the S&P 500.
SoFi's third-quarter net income increased by 128% year over year. Full-year guidance indicates a similar rise for 2025.
On products, SoFi launched the SoFi Smart Card all-in-one account in 2025. The company also launched a 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.
SoFi's stock beat the S&P 500 for the second consecutive year in 2025. It gained 70%, performing better than in 2024.
For 2026, three new predictions have been made. SoFi's membership base is predicted to reach 17.2 million in a year, representing 36% year-over-year growth. SoFi's net income is predicted to double again, generating more than $900 million in adjusted net income in 2026. SoFi's stock is predicted to reach $50 at some point in 2026; it trades for about $27 as of this writing.
The analyst believes the SoFi Smart Card account will be more successful than investors currently anticipate and that SoFi's mortgage business will have an excellent year. The bottom line is that 2026 will be another excellent year for the fintech company.
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