SoFi Technologies (SOFI) stock closed Monday 20% higher after reporting a fourth-quarter earnings beat, its first-ever quarterly profit. Dominick Gabriele, Oppenheimer Executive Director and Senior Analyst of Equity Research, breaks down SoFi’s revenue streams and outlook for continued profitability.

“The fact that this quarter had a 30% margin is really kind of a long-term goal that they’ve already achieved in this quarter. And the guidance is obviously for continued 30% roughly margins here,” Gabriele tells Yahoo Finance.

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Editor’s note: This article was written by Luke Carberry Mogan.