$SoFi Technologies Inc.(SOFI)$The bottom line is that SoFi is not yet making any profits, but operationally it is already in positive territory. The growth rate is very high at over 50% and justifies a higher rating. Especially since the newly issued banking license gives SoFi many more opportunities to offer financial services and products to existing and new customers.SoFi Technologies is one of the stocks that should at least be on the watch list.