Should You Buy SoFi Technologies (SOFI) Stock Before Jan. 30?

Business Overview - SoFi, originally founded as Social Finance in 2011, has evolved from providing student loans to a comprehensive digital banking platform offering auto loans, mortgages, personal loans, credit cards, insurance, estate planning, stock trading, and cryptocurrency services [3][4] - The company acquired Galileo, a digital payment processing firm, in 2020 and launched its own direct bank after obtaining a U.S. bank charter in 2022, which has helped attract a younger customer base [4] User Growth and Product Expansion - As of the end of Q3 2025, SoFi serves 12.6 million members with 18.6 million products in use, a significant increase from 2.5 million members and 1.9 million products at the end of 2021 [5] - Galileo operates separately and hosts nearly 160 million accounts, contributing to SoFi's overall growth [5] Financial Performance - From 2021 to 2024, SoFi's adjusted revenue is projected to grow at a CAGR of 37%, increasing from $1.01 billion to $2.61 billion, while adjusted EBITDA is expected to rise at a CAGR of 181%, from $30 million to $666 million [6] - Despite challenges such as the freeze on student loan payments and higher interest rates, SoFi has maintained strong growth [6] Revenue Generation - The majority of SoFi's profits come from interest and fees on loans, with additional revenue from securitizing loans, investment and brokerage fees, swipe fees from card network partners, referral fees, and subscription fees from its premium SoFi Plus tier [7] Market Position and Valuation - SoFi's fintech platform continues to attract millions of new users and is expanding its fee-based ecosystem to reduce reliance on interest income [8] - The stock appears reasonably valued, although there are concerns that Wall Street's expectations may be overly optimistic [8]