SoFi is growing quickly, and the company is tapping into a vast fintech market. But sustaining the current trajectory will be challenging.

SoFi Technologies ( SOFI -1.35% ) has experienced significant growth over the past several years, thanks to the company launching new financial products and services that serve an ever-expanding customer base.

What was once a business dealing mostly with student loans has evolved into a one-stop shop for nearly every financial product, from bank accounts and credit cards to mortgages and stock investing. The company's innovations and appeal to younger customers have helped it grow quickly over a short period, causing SoFi stock to surge more than 300% in just three years.

If SoFi can maintain this momentum, could it become a millionaire make

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