SoFi Projects 30% Compound Annual Revenue Growth Through 2028

Key Facts

1SoFi management expects revenue to grow at a compound annual rate of 30% from 2025 to 2028.

2The company's all-digital platform continues to attract customers through ongoing product and service innovation.

Amid a rapidly evolving fintech landscape, SoFi Technologies has reaffirmed a robust long-term growth trajectory that underscores the resilience of its digital business model. Management expects revenue to grow at a compound annual rate (CAGR) of 30% from 2025 through 2028. This projection is primarily driven by the company's all-digital platform, which continues to attract a growing customer base through consistent innovation in financial products and services.

This optimistic outlook comes as digital banking peers navigate varying market conditions; for instance, Nu Holdings (NU) recently reported strong user growth, while firms like Upstart have faced headwinds from interest rate volatility. Per market data, SoFi's strategic pivot toward diversifying revenue streams beyond traditional lending positions it favorably against competitors who remain more sensitive to net interest margin fluctuations.

Regarding market performance, SOFI shares closed at $17.87 (close July 15, 2026), having traded within a range of $17.76 to $18.98 during the session. Investors are closely monitoring broader macroeconomic catalysts, including the recent Federal Reserve Monetary Policy Report, which may influence funding costs and consumer credit demand—key factors for the company's lending segment.