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

By Jennifer Saibil – Jan 11, 2026 at 10:30AM ESTKey PointsSoFi's non-lending business is growing fast and boosting profitability.The lending segment is beneifting from lower interest rates, and it's well positioned to keep growing as interest rates go down.CEO says this is worth 18 Nvidias. Will this make the world's first trillionaire? ›NASDAQ: SOFISoFi TechnologiesMarket Cap$35BToday's Changeangle-down(-1.15%) $0.32Current Price$27.40Price as of January 9, 2026 at 4:00 PM ETAll of its segments are thriving.It's always exciting to start a new year and think about fresh possibilities. You may be one of the many investors who have taken the opportunity to reevaluate their positions and make sure their portfolios are filled with high-potential stocks in multiple categories. If you're looking for a bank stock, I recommend SoFi Technologies (SOFI 1.15%) as a top stock for 2026. It's far from your typical bank stock, but it represents the future of banking, and it could be an excellent addition to a growth-oriented portfolio. Image source: Getty Images. Why SoFi is exploding SoFi is a pioneer in digital banking, having developed a formidable financial services platform. Its goal is to provide everything you could need all in one app, from bank accounts to credit cards to investing, with a user-friendly interface and low fees. It began as a lending co-op for college students, and lending remains its core product. But it has expanded in many directions, opening up new growth avenues and becoming more appealing to new customers. Today, although lending remains its biggest segment, the non-lending segment under the umbrella of the financial services segment is the company's biggest growth driver. These are typically low-cost, fee-based products that are boosting profitability. In the 2025 third quarter, lending revenue increased 25% year over year, and financial services revenue was up 76%. SoFi also has a third segment called the tech platform. This is its financial infrastructure product that is marketed as a business-to-business platform, and sales were up 12% in the quarter.Advertisement The market is excited about SoFi's new, innovative products. It has announced several blockchain-based products recently, including trading on its app and a fully reserved SoFi stablecoin, and it's launching the SoFi Smart Card, which connects all of a user's financial services in one credit card package. This is available to SoFi Plus members, the company's premium membership program, which costs $10 per month. ExpandNASDAQ: SOFISoFi TechnologiesToday's Change(-1.15%) $-0.32Current Price$27.40Key Data PointsMarket Cap$35BDay's Range$27.23 - $28.3852wk Range$8.60 - $32.73Volume44MAvg Vol66MGross Margin60.33% Lots of momentum heading into 2026 If interest rates continue to decline, as expected, the lending segment is likely to remain robust. For a while, management had been touting the growth of non-lending services as a portion of the total business, but with the rebound in lending, both sides of the business have demonstrated robust growth. That's an excellent position to be in heading into 2026. Artificial intelligence (AI) is still driving spending for many large companies and changing how businesses operate. Combined with an economy stimulated by easier access to capital, the banking industry should perform well this year. As a young company in growth mode, SoFi is likely to keep up its fantastic performance in 2026 and beyond.Read NextJan 8, 2026 •By Jennifer SaibilWhy SoFi Stock Soared 70% in 2025Jan 7, 2026 •By Thomas Niel3 Financial Stocks That Can Diversify a Tech-Heavy PortfolioJan 7, 2026 •By Courtney CarlsenBetter Growth Stock: SoFi Technologies vs.

Interactive Brokers GroupJan 7, 2026 •By John BallardShould You Invest $100 in SoFi Technologies Right Now?Jan 6, 2026 •By Josh Kohn-LindquistStock Market Today, Jan. 6: SoFi Technologies Falls After $1.5 Billion Equity Sale Pressures SharesJan 6, 2026 •By Leo SunShould You Buy SoFi Technologies (SOFI) Stock Before Jan. 30?About the AuthorJennifer Saibil has been a contributing Motley Fool stock market analyst covering the consumer goods and financial sectors since 2019. She previously worked in the financial sector and has written for other finance publications. She holds a bachelor’s degree in finance from Yeshiva University and a master’s degree in public administration from New York University’s Wagner School of Public Service.TMFanibirdStocks MentionedSoFi TechnologiesNASDAQ: SOFI$27.40 (0.01%) $0.32*Average returns of all recommendations since inception. Cost basis and return based on previous market day close.Advertisement