Overview
- Nio reported a 54.6% year-over-year rise in vehicle deliveries in December 2025.
- Despite that growth, the article notes Nio’s long-running unprofitability and a share price that has fallen more than 90% over five years.
- The author recommends buying SoFi instead for 2026 based on sustained profitability and clearer revenue drivers.
- SoFi has posted double-digit net profit margins less than two years after reaching profitability in Q4 2023, with net sales up 38% year over year and net income more than doubling.
- New products highlighted for SoFi include a relaunched crypto trading feature late in 2025 and a fully reserved stablecoin that the author views as potential catalysts.