SoFi ( SOFI +0.97% ) has been one of the most impressive growth stories in the market. The banking disruptor added more than 900,000 members in the third quarter alone, its highest number of additions ever, and revenue grew by 38% year over year, an acceleration over last year's already strong momentum. Plus, profits have been much stronger than experts had predicted, and the company is finding innovative ways to grow while managing risk at the same time.

CEO Anthony Noto has said that he hopes to scale SoFi into a "top 10" financial institution. Currently it's No. 53, according to the Federal Reserve's latest data. To crack the top 10, it would need to roughly 10X its asset size (for context, Bank of New York Mellon ( BNY 0.20% ) is currently No. 10).

Recently, Noto's comme

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