Profitability and Expansion of SOFI's Business Segments

SOFI has transitioned from primarily being a lender to a diversified financial services and technology platform company. Their non-lending businesses, including technology platform services and financial services, have become profitable. These segments, such as SOFI Money (checking and savings account), SOFI Invest, SOFI credit card, and SOFI protectors and insurance, account for 40% of their revenue and are projected to reach 50% by 2024. The company's focus on customer acquisition costs, marketing, and product monetization has provided strong indicators for growth.