SoFi Technologies reported quarterly earnings and revenue above analysts’ estimates, with CEO Anthony Noto deeming 2024 the fintech’s “best year ever.” However, shares tumbled 11% to $15.94 in premarket trading as guidance from the company seemed to overshadow quarterly results.

SoFi Technologies (SOFI) stock drops 11% in premarket trading after issuing Q1 and 2025 earnings guidance below expectations, with Q4 EPS slightly

I favor the bullish case — although in my view the market will only react positively if SoFi exceeds investor expectations and raises its guidance when the company

SoFi Technologies, Inc. SOFI is scheduled to report its fourth-quarter 2024 results on Jan 27, before the bell. The company’s earnings surpassed the Zacks Consensus Estimate in the last reported quarter, with a 25% earnings surprise.

For investors looking for opportunities in fintech, SoFi presents an interesting case. Here's where analysts think the stock will go from 2025 to 2030.

In Q3 2024, SoFi's capital-light Loan Platform saw a big boost, originating $1 billion in personal loans and generating $56 million in high-margin fees. To top it off, the company secured a $525 million personal loan securitization deal in Q4 2024 with PGIM Fixed Income, which further supports its asset-light lending model.

SoFi Technologies, Inc. SOFI will report its fourth-quarter 2024 results on Jan. 27, before the bell. The Zacks Consensus Estimate for earnings in the to-be-reported stands at 12 cents, indicating 133.

SoFi Technologies (NASDAQ:SOFI) is scheduled to announce Q4 earnings on Monday, and investors will keep an eye on the company’s commentary about loan growth and financial services segment. Wall Street expects the fintech company to post EPS of $0.