SoFi Technologies Q4 2025 Earnings Preview: Momentum Meets Mixed Sentiment
SoFi Technologies enters its January 30 earnings report with a 48% year-to-date stock surge, defying broader fintech sector volatility. Wall Street anticipates $0.12 EPS and $977.42 million revenue, marking a 33.8% YoY growth despite projected earnings contraction. The company maintains an unbroken streak of eight consecutive earnings beats, with 100% revenue estimate accuracy over two years.
Diverging analyst views reflect uncertainty—Bank of America's $20.50 price target contrasts with Barclays' $28 upgrade. Options markets price in an 8.62% implied MOVE post-announcement, while the recent $1.5 billion capital raise fuels speculation about strategic deployments. This earnings call may determine whether SoFi's growth narrative outweighs concerns about its path to sustained profitability.
