SoFi Technologies (NASDAQ: SOFI) shares jumped more than 13% after Chief Executive Anthony Noto outlined an ambitious plan to quadruple the company’s product offerings within four years.

Noto, speaking with Yahoo Finance Executive Editor Brian Sozzi, described the 2030 target as firmly within reach, using a single word to summarize his confidence: “It’s achievable.”

The bullish outlook rests partly on what Noto characterized as a resilient American consumer, with the latest quarter showing robust demand across virtually every SoFi business line.

Debit activity through SoFi Money was notably strong, credit spending held up well, and the company’s investing platform attracted healthy inflows from customers seeking to put capital to work.

Credit performance across the loan book was described as “very solid,” adding weight to management’s case that the underlying customer base remains financially sound.

Noto was direct about where the greatest uncertainty lies, telling Sozzi that rates have been “the real wild card,” though he argued SoFi’s current position allows it to absorb that pressure far better than before.

The company’s technology infrastructure gives it the ability to reprice new loans in real time, meaning higher funding costs can be passed through to borrowers without compressing margins.

That capability, combined with a strengthened capital base sufficient to self-fund operations into 2027, has shifted Noto’s calculus toward accepting more rate-related risk than the company was willing to take on in 2024.

He noted that limited capital reserves two years ago forced a more defensive posture, whereas today’s balance sheet provides enough cushion to lean into growth even as rate uncertainty persists.

Noto identified the conditions that would prompt a strategic pullback, specifically a meaningful rise in unemployment or a broad deterioration in economic conditions, neither of which has materialized.

“Right now, everything on the macroeconomic side outside of rates for consumers has been green,” Noto said, capturing the cautiously optimistic tone running through the company’s latest guidance.

The guidance covers both 2026 and 2027 revenue and earnings projections, with the 2030 product expansion target representing the longer horizon Noto is asking investors to keep in view.