SoFi Stock: What Wall Street Expects from Earnings Friday?

TLDR

• SoFi reports Q4 2025 earnings on January 30, with Wall Street expecting $0.12 per share and $977.42 million in revenue
• The stock has rallied 60.7% in 2025 and 355% over three years, adding 905,000 members in Q3 to reach 12.6 million total
• Q3 revenue hit a record $950 million, up 38% year-over-year, with adjusted earnings of 11 cents per share beating estimates
• Bulls point to expanding membership and improving profits, while bears worry about the forward P/E ratio of 71 versus sector average of 11
• Wall Street has a Hold rating with an average price target of $28.31, suggesting 8.34% upside from current levels

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SoFi Technologies reports its fourth-quarter 2025 earnings on January 30. Investors are watching closely after a strong year for the digital bank.

SoFi Technologies, Inc., SOFI

The stock has climbed 60.7% in 2025. Over three years, shares are up more than 355%. That kind of performance draws attention and raises questions about what comes next.

Growth Numbers Tell a Strong Story

The third quarter showed the company hitting its stride. Revenue reached a quarterly record of $950 million, up 38% from the prior year. Adjusted earnings came in at 11 cents per share, beating the analyst consensus of 8 cents.

Loan originations increased. Fee income grew stronger. Deposits continued rising. The business model appears to be scaling.

SoFi added 905,000 new members in Q3. Total membership now stands at 12.6 million, a 35% jump from last year. The company also added 1.4 million new products, bringing the total to 18.6 million.

The financial services segment grew 76% year-over-year. All three business segments posted double-digit growth. The lending business benefited from lower interest rates.

Why Some Analysts Stay Bullish

Several Wall Street analysts maintain positive ratings. They point to management’s execution and the potential for easing interest-rate pressure to support loan demand in 2026.

The expanding member base provides room for cross-selling. More members means more opportunities to grow revenue per user over time. The digital-first model keeps costs down without physical branches to maintain.

The average analyst price target sits at $28.31. That suggests about 9% upside from current levels, even after the strong 2025 run.

Valuation Concerns Persist

Bears point to the stock’s forward price-to-earnings ratio of 71. The sector average hovers near 11. Investors are paying a steep premium for future growth.

Credit quality remains a watch point. While SoFi focuses on higher-quality borrowers, any weakness in economic conditions could lead to rising delinquencies. Loan losses would weigh on results and investor confidence.

The bar for earnings has been raised. SoFi has beaten EPS expectations for four straight quarters. Simply meeting expectations may not satisfy investors this time.

Wall Street expects earnings of $0.12 per share for Q4. That’s down 58.6% from the same period last year. Revenue projections sit at $977.42 million, compared with $1.008 billion in the prior-year quarter.

What Analysts Are Watching

The consensus rating on SoFi is Hold. Five analysts rate it a Buy, six say Hold, and three recommend Sell.

Management’s guidance for 2026 will matter more than the Q4 numbers. Investors want to hear about loan demand trends and credit quality. Any cautious tone could trigger volatility.

The company has beaten expectations recently, and product innovation announcements have drawn positive reactions. The odds favor another strong report, but the market can be unpredictable around earnings.

For the full year 2025, Wall Street expects earnings of $0.36 per share. The company’s ability to maintain profitability while growing the member base remains the key question.

SoFi has beaten EPS expectations for the past four quarters, with management continuing to guide toward accelerating growth across all business segments.

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