SoFi Stock Soars Again. Here's Why It's Not Too Late to Buy

Core Insights - SoFi Technologies has shown significant improvement in its performance, leading to a positive stock reaction following its recent earnings report [2][6] - The company is well-positioned in the digital banking sector, capturing market share through its comprehensive financial services app [4] Customer Growth and Engagement - SoFi added a record 905,000 new members in the third quarter of 2025, with a total of 1.4 million new products added, representing a 36% year-over-year increase [5] - 40% of new product sales in the third quarter came from existing members, indicating strong customer engagement and cross-selling opportunities [5] Financial Performance - Adjusted net revenue increased by 38% year-over-year in the third quarter, with fee-based revenue rising by 50% [6] - Adjusted earnings per share (EPS) improved from $0.05 to $0.11 compared to the previous year [6] Product Innovation - SoFi has launched several new products, including options trading, international money transfers via blockchain, and cryptocurrency trading [7] - The introduction of SoFi Pay and Cash Coach, an AI-driven financial management tool, reflects the company's commitment to innovation and enhancing user experience [8]