$SoFi Technologies Inc.(SOFI)$ SoFi's strategy is starting to pay off!

SoFi's strategy is starting to pay off!

The lending business looks really good after Q3. Origination volume was really good and the lending business' contribution profit of more than $117 million was a record. And what's even better is that it's easy to see the lending division doing a whole lot better. Student lending should pick up in 2022 and if SoFi obtains a bank charter, which many expect it to, that will greatly increase the unit economics of the lending business. The bank charter gives SoFi the ability to hold cheap deposits and lend them out, increasing the margins on loans, as well as saving on loan origination costs. The bank charter may also encourage SoFi to hold some of its loan originations on the balance sheet, which can be very profitable. The performance of the lending division and its future prospects positions the company very well going forward.

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