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SoFi is done proving it’s real. Now it has to grow up in public

SoFi is done proving it’s real. Now it has to grow up in public

KAHROS Team

TL;DR

Quick Summary

  • SoFi just posted record Q3 2025 results with strong revenue growth, real profits, and raised full‑year guidance.
  • The business is shifting from pure lending to a broader, high‑margin financial services and platform model.
  • Big institutions are building positions, but recent insider selling and macro risk mean you shouldn’t treat this like a risk‑free growth story.

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