3 Predictions for SoFi in 2026

Investors have finally realized SoFi 's ( SOFI +1.07%) value. It has almost doubled this year after having a single-digit stock price for a few years. Revenue has surged and profit margins have expanded, resulting in a win-win scenario as the digital bank gains momentum. Can investors expect a repeat performance next year, or is it best to take a pass on the fintech stock ? These are some predictions for SoFi stock that can shape its returns in 2026 and beyond. Crypto transactions will accelerate SoFi Invest revenue Image source: Getty Images. SoFi Invest is a big part of the business that helped the fintech company increase its revenue by 38% year over year in the third quarter. This segment should experience rapid growth in 2026 amid SoFi's reentry into crypto. NASDAQ: SOFI Key Data Points Crypto trading has been hot, with other fintech companies delivering strong gains in the area. For instance, Robinhood Markets delivered more than 300% year-over-year growth in Q3 crypto transaction revenue. Robinhood first rolled out crypto trading in 2018, so it shows that even with almost a decade of being in the market, Robinhood can still deliver superb crypto-transaction revenue growth. Robinhood has 27.9 million investment accounts compared to SoFi's 12.6 million members. Robinhood's Q3 crypto revenue came to $268 million, so it is possible for SoFi to exceed $100 million in quarterly crypto revenue by the end of the year. SoFi's total revenue came to $961.6 million in Q3, so a $100 million boost would be meaningful. SoFi even announced a stablecoin this month, further committing to crypto as a revenue source. SoFi will once again outperform the S&P 500 Crypto will be a major catalyst that increases SoFi Invest revenue and trickles to other parts of the business. The digital bank should attract crypto enthusiasts who eventually discover the fintech company's additional products. Investors may not be fully pricing this scenario, especially if SoFi can achieve the types of revenue growth rates that we have seen with Robinhood. SoFi's credit cards , bank accounts, and loans present additional opportunities, especially as member sign-ups increase due to crypto trading. The S&P 500 is up by 17% this year, which is much lower than SoFi's one-year return. The famed index fund leans heavily on big tech stocks that have large market caps. For instance, Nvidia is the largest member of the S&P 500 with a $4.4 trillion market cap. The artificial intelligence (AI) chipmaker would have to reach an $8.8 trillion market cap to double. Meanwhile, SoFi only has to go from a $34.3 billion market cap to a $68.6 billion market cap to double. This isn't to say that SoFi will double next year. However, it takes less capital and effort to generate significant price movement for companies with smaller market caps due to differences in liquidity and trading volume. SoFi will drop by 20% at some point in 2026 Although SoFi has a good shot at outperforming the S&P 500 in 2026,...

Preview: ~500 words