The "one-stop shop" for digital banking has a bright future.

SoFi 's ( SOFI 2.29% ) stock surged nearly 270% over the past 12 months. The fintech company's robust revenue growth, rising profits, and expanding ecosystem all drew a stampede of bulls back to its stock. Expectations for lower interest rates amplified those gains.

But can this hot growth stock maintain its momentum over the next year? Let's take a fresh look at its business model, growth rates, and valuations to decide.

How fast is SoFi growing?

SoFi, which is short for Social Finance, originally focused on providing student loans. Over the past decade, it expanded its business by offering mortgages, auto loans, personal loans, credit cards, insurance policies, estate planning services, and stock trading tools. It st

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