SoFi Technologies (SOFI -2.52%) stock has been an incredible growth story, attracting new members at a high rate and achieving profitability in a relatively short amount of time. If you didn't buy shares and tap into its 442% gains over the past three years, don't despair: Now is a great time to buy. More loans and more businessBanks as a class are very sensitive to interest rate fluctuations. SoFi managed to perform phenomenally despite the high interest rates over the past few years. In the second quarter, total adjusted net revenue increased 44% over last year, and lending revenue was up 30%.