Galileo Drives SoFi's Seamless Fintech Integration and Expansion

Since acquiring Galileo Financial Technologies in 2020, SoFi Technologies, Inc. SOFI has deepened its fintech infrastructure by integrating Galileo’s payment processing and tech capabilities across its growing suite of offerings. Galileo plays a pivotal role in enabling core functionalities such as buy now, pay later (BNPL) services and advanced customer engagement tools powered by conversational AI. This backend support is critical to SoFi’s strategy of delivering a seamless, tech-forward financial experience to users.

Operating under the same corporate umbrella has dramatically expanded integration opportunities. SoFi can now move more nimbly, embedding Galileo’s infrastructure directly into its product roadmap without the friction typical of third-party partnerships. This combination enhances speed to market, operational efficiency and the ability to innovate across digital banking, lending and personal finance tools.

Furthermore, the relationship creates a feedback loop. Galileo not only powers SoFi’s products but also benefits from SoFi’s scale and user data, helping refine and expand Galileo’s platform for other clients. In essence, SoFi’s acquisition of Galileo has evolved from a strategic purchase into a foundational pillar, enabling SoFi to operate more like a vertically integrated fintech company, with tighter control over both user experience and the underlying tech stack driving its offerings.

Other Stocks to Watch in Fintech

Block XYZ, Robinhood HOOD and PayPal PYPL are three fintech names to keep on the radar. Block is deepening its ecosystem via Cash App and Square, aiming to unify consumer and merchant services. Robinhood is expanding beyond trading into full-scale financial services, with HOOD users growing steadily. Meanwhile, PayPal is leaning into branded checkout and expanding Venmo’s capabilities. Block, Robinhood and PayPal each face competitive pressure but continue to innovate across digital payment rails and user engagement models.

SOFI’s Price Performance, Valuation and Estimates

The stock has gained 38.5% year to date compared with the industry’s 5% rally.

From a valuation standpoint, SOFI trades at a forward price-to-earnings ratio of 52.89, well above the industry’s 22.02. It carries a Value Score of F.

The Zacks Consensus Estimate for SOFI’s 2025 earnings has been on the rise over the past 60 days.

SOFI stock currently carries a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.

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This article originally published on Zacks Investment Research (zacks.com).

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