Inside SoFi's Galileo Platform: The Backbone of Modern Digital Banking

SoFi’s SOFI Galileo platform remains a foundational pillar in fintech infrastructure in 2025, powering millions of enabled accounts and driving significant innovation across SoFi’s financial product ecosystem. Galileo’s Technology Platform segment continues to post steady revenue growth, fueled by expansion from existing clients and entry into new segments.

Galileo excels in offering a unified, API-first platform that combines digital banking, card issuing, payments, fraud detection and compliance into one cohesive system. Its programmable architecture enables fintechs to issue virtual and physical cards, manage account lifecycles and execute secure payments, ranging from ACH and wire transfers to real-time push payments. The platform’s capabilities include a full suite of developer tools such as sandbox environments, event APIs, dispute management and real-time transaction controls, which speed up product innovation and operational efficiency.

One of Galileo’s recent standout innovations is the Cyberbank Konecta AI-powered virtual assistant, which delivers omnichannel customer support, reducing operational costs while improving user experiences with faster response times. Additionally, Galileo's broad client base now includes major financial institutions, such as Banco Nación in Argentina, whose adoption of Galileo's digital banking infrastructure has led to strong organic client growth.

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 72% over the past year against the industry’s 6% decline.

From a valuation standpoint, SOFI trades at a forward price-to-earnings ratio of 45.85, well above the industry’s 23.6. It carries a Value Score of F.

The Zacks Consensus Estimate for SOFI’s 2025 earnings has remained unchanged over the past 60 days.

SOFI stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.

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

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