SoFi (SOFI 5.03%) is one of my highest-conviction stock ideas as we head into 2025. Not only has the fintech company maintained fantastic growth momentum for several years, including during 2022's bear market, but its business seems to be at an inflection point in terms of profitability and mainstream adoption.To be fair, it was difficult to narrow my predictions down to just three. For example, I think SoFi will surprise the market with its deposit growth, loan performance, and its Galileo tech platform, j ...