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Company Overview

• Founded in 2011 by Stanford grads, SoFi (short for Social Finance) is a leading fintech platform that originally focused on student loan refinancing. It has since expanded into a full digital banking and financial services platform MarketWatch+2Investors+2.

• Today, SoFi offers a wide range of financial products and services including:

  • Student, personal, home, and auto loans

  • Credit cards, checking and savings accounts

  • Investment and robo-advisory services

  • Insurance products and estate planning

  • B2B services through its technology platform (via its acquisition of Galileo, APIs, etc.) Wikipedia+1WikipediaMarketWatch.

• SoFi is also notable for being the first full-service fintech to receive a U.S. national bank charter, following acquisitions such as Galileo and Golden Pacific Bancorp TipRanks+5Wikipedia+5Barron's+5.

• As of early 2025, SoFi serves 11 million customers and supports roughly 158 million technology-enabled accounts, positioning it as a major player in the online lending and fintech space Wikipedia.

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Recent Financial Highlights & Momentum

• In Q2 2025, SoFi reported record net revenue of $855 million and a net income of $97 million, showcasing continued scaling and profitability Seeking Alpha+6investors.sofi.com+6Wikipedia+6.

• Earlier in Q1 2025, it recorded a 200% YoY surge in adjusted EPS and a 20% rise in revenue, with membership climbing to 10.9 million and total products reaching 15.9 million Investors.

• Analysts are optimistic, forecasting ~84% profit growth in 2025 and ~91% in 2026, with updated full-year revenue guidance of $3.31 billion (24–27% annual growth) Investors.

• The stock recently hit an all-time high, driven by strong momentum and market enthusiasm TipRanks.

• However, investor activity shows mixed sentiment—Jump Financial significantly reduced its stake, and insiders also sold shares, which suggests some internal caution despite outward growth MarketBeat