SoFi Technologies (SOFI) Is About to Report Q4 Earnings Tomorrow. Here Is What to Expect

Fintech company SoFi Technologies (SOFI) is scheduled to announce its results for the fourth quarter of 2025 on Friday, January 30. The stock has surged about 54% in 2025, fueled by strong financials and rapid growth in its customer base. Wall Street expects SoFi to report earnings of $0.12 per share, down 58.6% from the same period last year. Meanwhile, revenue is projected to come in at $977.42 million, compared with $1.008 billion in the prior-year quarter.Claim 50% Off TipRanks PremiumUnlock hedge fund-level data and powerful investing tools for smarter, sharper decisions Stay ahead of the market with the latest news and analysis and maximize your portfolio's potential Investors will be watching for updates on loan growth, credit quality, and guidance when the company reports its earnings. Analysts' Views Ahead of SOFI's Q4 Earnings Ahead of the Q4 print, Bank of America analyst Mihir Bhatia resumed coverage with a Sell rating and a price target of $20.50. The 5-star analyst views SoFi's recent $1.5 billion capital raise as a "modest positive," as it gives the company added flexibility to invest in growth. That said, the analyst remains cautious on the stock, citing limited upside at current valuation levels. Meanwhile, Barclays analyst Terry Ma increased the price target for SOFI stock to $28 from $23 and reaffirmed a Hold rating. The 4-star analyst sees further upside in select consumer finance stocks in 2026, supported by what he expects to be a benign credit environment. Ma also believes improving credit conditions could help drive loan growth and expects the mortgage origination market to recover in 2026, providing an additional tailwind for the sector. Here's What Options Traders Anticipate Ahead of SOFI's Q4 Earnings Using TipRanks' Options tool, we can see what options traders are expecting from the stock immediately after its earnings report. The expected earnings move is determined by calculating the at-the-money straddle of the options closest to expiration after the earnings announcement. If this sounds complicated, don't worry, the Options tool does this for you. Indeed, it currently says that options traders are expecting about an 8.62% move in either direction in SoFi Technologies stock in reaction to Q4 results.