1 Stock I'd Buy Before Nio in 2026

• Nio's deliveries are up contempt EV turbulence, but its agelong past of unprofitability is concerning.

• SoFi looks similar a much promising banal owed to its crypto diagnostic and beardown request for its further fiscal products.

• The fintech institution has an accidental to meaningfully grow its nett margins successful the years ahead.

• 10 stocks we similar amended than SoFi Technologies ›

Nio (NYSE: NIO) looked unstoppable during the pandemic's tallness arsenic galore electrical conveyance (EV) stocks outpaced the S&P 500. However, gross deceleration and a deficiency of profitability person crushed Nio, causing its shares to driblet by much than 90% implicit the past 5 years.

Although the EV communicative has been crumbling owed to the U.S. EV taxation credit's expiration, Nio has continued to turn astatine a coagulated rate. The Chinese EV shaper reported a 54.6% year-over-year summation successful conveyance deliveries successful December 2025.

That maturation won't mean overmuch if Nio continues to suffer wealth connected its vehicles. Luckily, investors don't person to perpetrate to Nio banal for the agelong run. There are different companies that tin present much compelling returns, including fintech institution SoFi (NASDAQ: SOFI).

SoFi relaunched its crypto trading diagnostic adjacent the extremity of 2025, and it whitethorn crook into a semipermanent catalyst. Bitcoin's (CRYPTO: BTC) terms has stabilized and whitethorn bask a rally if involvement rates proceed to driblet and the system remains strong.

A Bitcoin rally tin summation trading enactment successful SoFi Crypto and boost attraction for the company's different fiscal products. Crypto trading tin crook into a large deal, arsenic Robinhood (NASDAQ: HOOD) investors saw erstwhile the institution much than quadrupled its crypto transaction gross successful the 3rd quarter.

SoFi whitethorn bask that benignant of momentum arsenic much users commercialized crypto. The fintech institution besides launched a afloat reserved stablecoin, which reflects a deepening committedness to the blockchain opportunity.

SoFi offers the aforesaid types of products you tin find astatine accepted banks: Checking accounts, recognition cards, brokerage accounts, loans, and different resources. However, SoFi has less overhead costs since it doesn't person immoderate carnal locations.

While SoFi wasn't ever profitable, it yet became profitable successful fourth-quarter 2023. Less than 2 years later, SoFi is delivering double-digit nett net margins. Those margins are besides coming with awesome gross growth. Net income accrued by 38% twelvemonth implicit year, portion nett income much than doubled.