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Investing.com -- SoFi Technologies Inc. (NASDAQ:SOFI) continues to outline a multi-pronged strategy centered on member growth, product adoption, and long-term profitability, according to CEO Anthony Noto at the JPMorgan (NYSE:JPM) Global Technology, Media and Communications Conference. The company has guided to over 30% annual member growth and mid-to-high 20% revenue growth, while maintaining a goal to reach 50 million members within five years.

Noto reiterated an earnings guidance range of $0.55 to $0.80 in EPS for 2026, depending on reinvestment levels and revenue trajectory. Incremental EBITDA margins are targeted at 30%, with the company expecting to reinvest 70% of incremental profit while dropping the remaining 30% to the bottom line. “We do believe we can achieve the mix of business and capital efficiency to have a 20% to 30% ROE and that has not changed,” Noto said.

SoFi’s focus on cross-product adoption remains critical, with flagship offerings like SoFi Money and SoFi Relay serving as entry points to the broader financial ecosystem. New features, such as AI-driven tools like “Cash Coach” and “ExpenseR,” are designed to give personalized spending and saving recommendations, serving both member engagement and product expansion.

On the lending side, Noto highlighted a significant opportunity in the company’s loan platform business, which captures demand beyond SoFi’s internal credit box. The platform now facilitates loan matching with external capital providers, offering a fee-based model that diversifies revenue. “The market for the loan platform business is deeper and wider than we ever thought it was,” he said.

SoFi is also using its technology to deepen capabilities across its credit card and investing segments. Recent performance improvements have pushed SoFi Invest to variable profitability, enabling greater investment in product enhancements, including expanded asset classes and alternative offerings. Meanwhile, the credit card business is being optimized for revolvers, with Noto noting that current industry-level returns suggest room for disruption.

International expansion and future tech platform partnerships were mentioned as long-term opportunities, though Noto declined to disclose specific markets. He pointed to strong momentum in new enterprise deals set to launch in 2026, following renewed demand from large financial institutions.

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