SoFi Technologies (SOFI, Financials) just delivered the kind of quarter investors have been waiting years for. Revenue hit a record $771 million, up 33% from last year. Adjusted EBITDA surged 46% to $210 million. And most importantly SoFi stayed profitable, booking $71 million in net income, or $0.06 per share.

• Warning! GuruFocus has detected 5 Warning Signs with SOFI.

This wasn't a fluke. It was a sign that SoFi's sprawling fintech ecosystem from loans to investing to digital banking infrastructure is finally working together. The member count jumped to 10.9 million, product adoption hit new highs, and fee-based revenue soared 67%.

For years, the question was: can SoFi actually make money doing all this? This quarter offered a clear answer. The company is now earning more on equity than it's spending to raise capital a key shift shown in this ROE vs. WACC chart.

And the top line? It's been charging ahead for 12 straight quarters.

CEO Anthony Noto pointed to product innovation and cross-sell strength as key drivers. Personal loan originations were strong, and SoFi's platform for partner lending is gaining traction fast.

With confidence running high, SoFi raised its full-year forecast across revenue, profit, and EPS. For the first time, the business feels like it's not just growing it's compounding.