SoFi Technologies (SOFI) is a unique stock in the fintech space, says Keith Buchanan, especially in the way it accrues customers. He explains how earnings show ways the company has "grown up." Andrew Wang believes SoFi's earnings challenges pessimism from investors that the stock deserves a heightened premium. Looking ahead, Andrew says it will be paramount to see how SoFi can maintain growth in the face of an uncertain economic backdrop.