SoFi Technologies' (NASDAQ: SOFI) roots are largely in the student loan refinancing market. But the company's become much more than that since its 2011 founding. Personal and mortgage loans, investment services, banking, credit cards, and insurance are all now part of its repertoire.

And this lateral expansion begs one key question for prospective shareholders: Where does the company make its money these days? A simple chart provides a surprising answer, for better and worse.

Fintech outfit SoFi -- short for Social Finance -- was launched over a decade ago to help recent graduates get a handle on their student loans by refinancing them on more manageable terms. The company also personally connects these borrowers with their school's alumni, who provide the capital for these refinanced loans.

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Source Fool.com