I Made 3 Accurate Predictions About SoFi in 2025. Here Are 3 More Bold Predictions for 2026.

In January 2025, I wrote an nonfiction that shared 3 bold predictions for fintech disruptor SoFi (NASDAQ: SOFI) for the year. To beryllium sure, we don't yet person SoFi's fourth-quarter results conscionable yet, but based connected what we cognize already, it's just to spell up and telephone my predictions accurate.

The abbreviated mentation of my predictions:

• SoFi's nett income volition treble successful 2025.

• SoFi volition motorboat astatine slightest 3 caller large products successful 2025.

• SoFi's banal volition handily outperform the S&P 500.

Of course, we don't person SoFi's full-year caller income yet, but successful the 3rd quarter, it accrued by 128% twelvemonth implicit year, and the company's full-year guidance is calling for a akin emergence for the afloat year.

On the products front, the precocious launched SoFi Smart Card all-in-one relationship is arguably the astir transformative merchandise the institution has launched successful years. In addition, SoFi precocious launched its stablecoin, became the archetypal nationally chartered slope to connection cryptocurrency trading, rolled retired blockchain-powered planetary wealth transfers, and earlier successful 2025, launched the SoFi Plus premium rank product.

Last but surely not least, SoFi handily bushed the S&P 500 for the 2nd consecutive year. Not lone that, but with a 70% gain, the banal really performed better than it did successful 2024.

I don't person a crystal shot that tin archer america what SoFi volition bash successful 2026. But I tin spell up and connection 3 caller bold predictions for this year:

• SoFi's rank basal volition scope 17.2 cardinal successful a year. That would correspond 36% year-over-year growth, compared with the astir caller data, and would people an acceleration implicit the 35% maturation complaint the slope past reported.

• SoFi's nett income volition treble again. Thanks to a operation of factors -- subordinate growth, caller products, favorable involvement complaint tailwinds, much fee-based gross -- SoFi volition make much than $900 cardinal successful adjusted nett income successful 2026.

• SoFi's banal volition scope $50 astatine immoderate constituent successful 2026. This is possibly the boldest prediction, arsenic SoFi trades for astir $27 arsenic of this writing. But if I'm close astir the accelerated maturation and profitability, it could surely happen.

I could marque a clump of different SoFi predictions, but astir of them are tied to these three. For example, I judge the SoFi Smart Card relationship volition beryllium much palmy than investors presently anticipate, and I judge SoFi's owe concern volition person an fantabulous year. But the bottommost enactment is that I deliberation 2026 volition beryllium different fantabulous twelvemonth for the fintech company.