Sofi on the rise
$SOFI's lending revenue only showed very modest growth in 2023 and the first half of 2024. It started to pick up in 2H 2024 and has continued in 1H 2025.
With the recent capital raise and retained earnings, they now have more than enough room on the balance sheet to keep accelerating from here if they choose to do so.
Rate cuts also decrease their cost of capital, whether it's from their own deposits or from warehouse facilities, so net interest income should expand as a result. I expect continued growth for the foreseeable future.
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- ColinThorndike·2025-10-13Awesome insights! Excited to see where it goes! [Wow]LikeReport