This Bank Stock Could Be One of the Best Companies to Own in 2026

• SoFi's non-lending concern is increasing accelerated and boosting profitability.

• The lending conception is beneifting from little involvement rates, and it's good positioned to support increasing arsenic involvement rates spell down.

• 10 stocks we similar amended than SoFi Technologies ›

It's ever breathtaking to commencement a caller twelvemonth and deliberation astir caller possibilities. You whitethorn beryllium 1 of the galore investors who person taken the accidental to reevaluate their positions and marque definite their portfolios are filled with high-potential stocks successful aggregate categories.

If you're looking for a slope stock, I urge SoFi Technologies (NASDAQ: SOFI) arsenic a apical banal for 2026. It's acold from your emblematic slope stock, but it represents the aboriginal of banking, and it could beryllium an fantabulous summation to a growth-oriented portfolio.

SoFi is simply a pioneer successful integer banking, having developed a formidable fiscal services platform. Its extremity is to supply everything you could request each successful 1 app, from slope accounts to recognition cards to investing, with a user-friendly interface and debased fees.

It began arsenic a lending co-op for assemblage students, and lending remains its halfway product. But it has expanded successful galore directions, opening up caller maturation avenues and becoming much appealing to caller customers. Today, though lending remains its biggest segment, the non-lending conception nether the umbrella of the fiscal services conception is the company's biggest maturation driver. These are typically low-cost, fee-based products that are boosting profitability. In the 2025 3rd quarter, lending gross accrued 25% twelvemonth implicit year, and fiscal services gross was up 76%.

SoFi besides has a 3rd conception called the tech platform. This is its fiscal infrastructure merchandise that is marketed arsenic a business-to-business platform, and income were up 12% successful the quarter.

The marketplace is excited astir SoFi's new, innovative products. It has announced respective blockchain-based products recently, including trading connected its app and a afloat reserved SoFi stablecoin, and it's launching the SoFi Smart Card, which connects each of a user's fiscal services successful 1 recognition paper package. This is disposable to SoFi Plus members, the company's premium rank program, which costs $10 per month.

If involvement rates proceed to decline, arsenic expected, the lending conception is apt to stay robust. For a while, absorption had been touting the maturation of non-lending services arsenic a information of the full business, but with the rebound successful lending, some sides of the concern person demonstrated robust growth. That's an fantabulous presumption to beryllium successful heading into 2026.