5 Reasons I'm Excited About SoFi Stock in 2026

SoFi Technologies (NASDAQ: SOFI) reported fabulous results for the 2025 4th quarter, but the banal tumbled aft and inactive hasn't recovered.

However, I'm excited astir what SoFi has to connection and wherever it tin spell successful the coming years. If you person immoderate hazard tolerance, you mightiness privation to presumption this arsenic a buying opportunity. Here are 5 reasons.

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Since authorities regulations were relaxed past twelvemonth to springiness banks much flexibility with the blockchain, SoFi has ramped up its innovation successful this area. It instantly brought backmost cryptocurrency trading connected its app, which it had closed erstwhile it applied for a slope charter, and it has already launched a blockchain-based planetary remittance work that allows users to safely nonstop wealth to much than 30 countries, including overmuch of Europe. It's present moving connected bringing those capabilities to much users extracurricular the U.S., angling to go a planetary fiscal services giant.

Management seems to beryllium pumped astir its caller stablecoin offering, which drives the SoFi Pay planetary wealth transfers. It keeps a U.S. dollar for each SoFi stablecoin, giving it flexibility successful moving with 1 oregon the other, and it's readying to usage this successful almighty ways.

Right now, SoFi is simply a idiosyncratic bank, but it's expanding into commercialized banking. However, it isn't needfully looking to interruption into the organization banking that the megabanks already control. "Our ambition is to beryllium the slope for businesses and different fiscal institutions that privation to transact successful some fiat and cryptocurrencies, filling a captious spread that has existed successful the market," Chief Executive Officer Anthony Noto said connected the company's latest net call.

SoFi has a conception called tech platform, besides known arsenic Galileo. It acquired Galileo, a business-to-business platform, successful 2020, and it has been a ho-hum performer since then. However, it has for the astir portion delivered maturation and remained profitable. SoFi present is leveraging the conception to thrust caller concern and acceptable itself isolated from different fiscal services companies.

Not lone is the tech level utile for business-to-business actions, but it serves SoFi's different segments successful important ways that different banks can't access. For example, 1 of SoFi's much caller rollouts is its Smart Card, which works arsenic a recognition paper that's connected to each parts of the user's account. While different banks prosecute companies to make these types of products and request to stitch them each together, SoFi was capable to make the merchandise successful 4.5 months, and since the existing infrastructure already underpins the app, it was a seamless transition.