According to Brad Freeman (@StockMarketNerd), the debate over whether SOFI is 'just a bank' is less important than its demonstrated ability to generate rapid earnings growth across market cycles. Freeman emphasizes that the rate of profitable compounding is a key factor influencing long-term returns, making SOFI an attractive investment for traders focused on sustained growth. For cryptocurrency market participants, strong earnings growth in fintech stocks like SOFI can signal increased adoption of digital financial services, potentially boosting sentiment and liquidity in the broader crypto sector (Source: Brad Freeman, Twitter, May 15, 2025).