SoFi Technologies (SOFI -4.01%) has been kind to its investors. In the past 12 months, shares have more than doubled. The fintech stock still trades 38% below its peak from February 2021. And when you look at the latest financial results, there are reasons investors should be optimistic.However, the smartest investors know there's one top risk facing SoFi stock.Lending changeSoFi was founded in 2011, with an early focus on refinancing student loans. Management's main goal was to help students pay for their ...