SoFi Technologies (SOFI +3.00%) is achieving notable success in the competitive world of financial services. And investors have benefited. Shares are up 186% in the past three years (as of March 2). This phenomenal gain has occurred even though they trade 43% below their all-time high from November 2025. There are reasons for investors to be bullish. But is this fintech stock your ticket to becomi...
SoFi Technologies (SOFI +3.00%) is achieving notable success in the competitive world of financial services. And investors have benefited. Shares are up 186% in the past three years (as of March 2). This phenomenal gain has occurred even though they trade 43% below their all-time high from November 2025. There are reasons for investors to be bullish. But is this fintech stock your ticket to becoming a millionaire? SoFi is showing no signs of slowing down The main factor that investors probably zero in on is SoFi's tremendous growth. It registered a year-over-year adjusted net revenue increase of 38% in 2025. That was an acceleration compared to 2024, indicating momentum that's strengthening. Research from The Motley Fool shows that digital banking access is important for customers. And SoFi excels in this regard, as its easy-to-use interface has been catching on remarkably. SoFi ended 2020 with 1.9 million customers. As of Dec. 31, 2025, it reached 13.7 million. This type of growth is not common in the financial services industry. SoFi's ability to attract younger consumers can be beneficial over the long term. As these people make more money, their financial needs will evolve and become more complex. SoFi will be able to leverage its relationships to serve these customers, providing a durable tailwind for revenue growth. Unlike typical growth stocks, though, SoFi is consistently profitable. Ever since the fourth quarter of 2023, it has generated positive net income in every single three-month period. And this will only become more pronounced in the future (more on this below). Expand NASDAQ : SOFI SoFi Technologies Today's Change ( 3.00 %) $ 0.56 Current Price $ 19.26 Key Data Points Market Cap $24B Day's Range $ 18.64 - $ 19.48 52wk Range $ 8.60 - $ 32.73 Volume 2M Avg Vol 58M Gross Margin 61.06 % Don't bet it all on one stock Every investor wants to find the lottery ticket that can set them up for life and help them get to millionaire status. While this can be al...
Key Points SoFi went from 1.9 million members at the end of 2020 to 13.7 million at the end of 2025. Since first posting positive net income in Q4 2023, the company’s profits have been soaring. With shares well off their peak, now is an opportune time to buy the dip. 10 stocks we like better than SoFi Technologies › SoFi Technologies (NASDAQ: SOFI) is achieving notable success in the competitive w...
Key Points SoFi went from 1.9 million members at the end of 2020 to 13.7 million at the end of 2025. Since first posting positive net income in Q4 2023, the company’s profits have been soaring. With shares well off their peak, now is an opportune time to buy the dip. 10 stocks we like better than SoFi Technologies › SoFi Technologies (NASDAQ: SOFI) is achieving notable success in the competitive world of financial services. And investors have benefited. Shares are up 186% in the past three years (as of March 2). This phenomenal gain has occurred even though they trade 43% below their all-time high from November 2025. There are reasons for investors to be bullish. But is this fintech stock your ticket to becoming a millionaire? Will AI create the world's first trillionaire? Our team just released a report on the one little-known company, called an "Indispensable Monopoly" providing the critical technology Nvidia and Intel both need. Continue » SoFi is showing no signs of slowing down The main factor that investors probably zero in on is SoFi's tremendous growth. It registered a year-over-year adjusted net revenue increase of 38% in 2025. That was an acceleration compared to 2024, indicating momentum that's strengthening. Research from The Motley Fool shows that digital banking access is important for customers. And SoFi excels in this regard, as its easy-to-use interface has been catching on remarkably. SoFi ended 2020 with 1.9 million customers. As of Dec. 31, 2025, it reached 13.7 million. This type of growth is not common in the financial services industry. SoFi's ability to attract younger consumers can be beneficial over the long term. As these people make more money, their financial needs will evolve and become more complex. SoFi will be able to leverage its relationships to serve these customers, providing a durable tailwind for revenue growth. Unlike typical growth stocks, though, SoFi is consistently profitable. Ever since the fourth quarter of 2023, it has ...
matejmo/iStock via Getty Images Thesis We have not covered the 9.5% Senior Note due 2029 ( AOMN ) from Angel Oak Mortgage REIT ( AOMR ) for almost a year now. Given the latest Q4 2025 financials from the REIT, we are going to revisit the fundamental company performance and the impact on the baby bonds. Latest results After the shock of higher rates in 2022, the REIT is finally getting its bearings...
matejmo/iStock via Getty Images Thesis We have not covered the 9.5% Senior Note due 2029 ( AOMN ) from Angel Oak Mortgage REIT ( AOMR ) for almost a year now. Given the latest Q4 2025 financials from the REIT, we are going to revisit the fundamental company performance and the impact on the baby bonds. Latest results After the shock of higher rates in 2022, the REIT is finally getting its bearings: Income Statement (Company Financials) The fund generated $41 MM in net interest income in 2025, up from 2024. This was done with a very similar balance sheet as the past year: Balance Sheet (Company Financials) Total assets came in at $2.7 billion versus $2.2 billion in 2024. We can see from the balance sheet that the REIT is a high user of securitizations as a funding method. In fact they detail in their latest earnings presentation how the process works for them: Securitization example (Company Financials) For example, in the above securitization, the company funded $267 MM in loans via the above securitization. It placed classes A1 through B1 and had to retain only B2 and B3 (the last two are interest only). Basically the company had to retain only roughly $13 MM in tranches. So it funded $267 MM in loans by putting up just $13 MM in equity. Of course, if the underlying pool underperforms, they get wiped out fast, but a securitization is basically a leveraged form of funding (you put in little cash for a lot of funding in exchange for first-loss tranches). Company focus - non-QM loans Angel Oak is focused on non-QM loans: A QM loan is the "gold standard"—it meets all federal guidelines, meaning the borrower has a stable job (W-2), a debt-to-income ratio usually under 43%, and standard credit. Non-QM loans are for borrowers who are financially healthy but don't fit into that specific "box." They are not the same as the "subprime" loans of 2008; today’s Non-QM loans still require significant proof of ability to pay, just using different methods. The fund, therefore, has ...
Chinese Vice-Premier Ding Xuexiang has acknowledged it is no “easy task” to truly implement Hong Kong’s executive-led governance system, stressing that it must be a “shared responsibility” of the legislative and judicial branches and society as a whole. But Ding, the head of the Central Leading Group on Hong Kong and Macau Affairs, said an executive-led governance system was “important and essenti...
Chinese Vice-Premier Ding Xuexiang has acknowledged it is no “easy task” to truly implement Hong Kong’s executive-led governance system, stressing that it must be a “shared responsibility” of the legislative and judicial branches and society as a whole. But Ding, the head of the Central Leading Group on Hong Kong and Macau Affairs, said an executive-led governance system was “important and essential” for the city to align with China’s 15th five-year plan and advance its integration with the mainland. “To genuinely implement [executive-led system] is not easy,” Ding said at a meeting with Hong Kong and Macau members of the Chinese People’s Political Consultative Conference (CPPCC), the country’s top advisory body, on Friday. Advertisement “It requires the chief executive and the government to strengthen their sense of being the head [of the city], and will need the coordination from all sectors of society.” Ding, the sixth-ranked Politburo Standing Committee member, added that putting the executive-led system into effect also required support from the legislature and judiciary. Advertisement “[Implementing] the executive-led governance is not just the business of the chief executive. It is also the shared duty of the Hong Kong and Macau governments, the public of Hong Kong and Macau and all sectors of society,” he said.
Central banks across developing Asia are facing a sudden shift in their policy outlook as traders ramp up bets on an Iran war-driven oil shock, adding to inflation pressures that were already building before the latest crisis. Overnight index swaps show a marked shift in pricing across much of Asia. The turnaround is most stark for India and the Philippines, where rate hikes are now expected inste...
Central banks across developing Asia are facing a sudden shift in their policy outlook as traders ramp up bets on an Iran war-driven oil shock, adding to inflation pressures that were already building before the latest crisis. Overnight index swaps show a marked shift in pricing across much of Asia. The turnaround is most stark for India and the Philippines, where rate hikes are now expected instead of cuts, and while Thailand and Indonesia are still seen lowering borrowing costs, those probabilities are diminishing fast. “Given the possibility of a prolonged Iran conflict, Asian central banks will be sensitized to the oil price movements and will likely be closely watching if the monetary policy easing room has evaporated in the near-term,” Selena Ling , head of research at Oversea-Chinese Banking Corp Ltd. said on Friday. Even before the Middle East conflict, Ling had forecast that stronger growth and fading disinflation would limit the room for rate cuts this year. “The window may be closing earlier, especially if there is real oil supply losses from a prolonged Iran conflict.” OCBC estimates that a sustained 10% rise in oil prices from their average price of $67 a barrel in January and February would lift annual headline inflation by roughly 0.6–0.8 percentage point in Thailand, 0.5–0.7 point in the Philippines and India, and about 0.4–0.6 point in Malaysia, Indonesia and Vietnam, according to a note this week. Brent was trading around $83 a barrel early Friday in Asia. Indonesia and the Philippines saw consumer prices accelerate in February and are bracing for worse to come. Both are heavily reliant on imports for their fuel needs — a problem compounded by weakening currencies that pushes up their import bills. “We are watchful of the recent developments in the Middle East for their implications on near-term inflation and economic activity,” the Bangko Sentral ng Pilipinas said on Thursday after February inflation came in at 2.4%, the fastest pace in more than ...