Core Insights - SoFi's net income increased by 128% year over year in Q3, with expectations for similar growth for the full year [1] - The company launched several transformative products, including the SoFi Smart Card, stablecoin, cryptocurrency trading, and blockchain-powered international money transfers [2] - SoFi outperformed the S&P 500 for the second consecutive year with a 70% stock gain [3] Predictions for 2026 - SoFi's net income is expected to double in 2025, reaching over $900 million in adjusted net income by 2026 [5] - The company is forecasted to launch at least three new major products in 2025 [4] - SoFi's stock price is predicted to reach $50 at some point in 2026, reflecting accelerated growth and profitability [6] Membership Growth - SoFi's membership base is projected to reach 17.2 million, representing a 36% year-over-year growth, an acceleration from the previous 35% growth rate [5]