Abstract
SoFi Technologies Inc. will report Q4 2025 results on January 30, 2026, Pre-Market, with investors watching whether accelerating revenue, margin expansion, and EPS growth sustain into 2026.
Market Forecast
For the current quarter, SoFi Technologies Inc. is forecast to deliver revenue of $0.98 billion, with year-over-year growth of 45.95%, EBIT of $0.20 billion with year-over-year growth of 218.80%, and EPS of $0.12 with year-over-year growth of 193.30%. While consensus granularity is limited, the company’s outlook implies ongoing margin progress; gross margin and net margin are expected to benefit from the mix shift toward higher-margin Financial Services and Technology Platform revenues alongside operating leverage in Lending. The company’s main businesses continue to show healthy expansion, with Lending, Financial Services, and Technology Platform contributing the bulk of sales and pipeline strength; growth appears balanced and supported by cross-sell engagement. The most promising segment is Financial Services, which posted revenue of $0.42 billion last quarter and is expected to sustain strong year-over-year expansion on deposit growth and monetization of its expanding member base.
Last Quarter Review
In the previous quarter, SoFi Technologies Inc. reported revenue of $0.95 billion, a gross profit margin of 83.05%, GAAP net profit attributable to the parent company of $0.14 billion, a net profit margin of 14.64%, and adjusted EPS of $0.11, with year-over-year revenue growth of 37.74% and adjusted EPS growth of 120.00%. The company exceeded expectations with better-than-anticipated operating efficiency, as EBIT reached $0.16 billion, aided by disciplined cost control and improved unit economics. Main business highlights included Lending revenue of $0.49 billion, Financial Services revenue of $0.42 billion, and Technology Platform revenue of $0.11 billion, reflecting a diversified growth footprint supported by strong engagement and product adoption.
Current Quarter Outlook
Lending
Lending remains the cornerstone of SoFi Technologies Inc.’s quarterly performance, providing over half of the company’s revenue base and absorbing the operational scale benefits that drive consolidated profitability. With last quarter’s Lending revenue of $0.49 billion and evident operating leverage, this quarter’s direction hinges on origination volumes across personal loans and student loan refinancing, funding costs, and credit performance. Seasonality and consumer demand factors can influence application volumes, but SoFi Technologies Inc.’s enlarged deposit base supports lower-cost funding, which can stabilize net interest spreads even if benchmark rates are volatile. Credit normalization bears monitoring; delinquency trends and loss provisioning will be central to maintaining the company’s high gross margin of 83.05%. A prudent underwriting stance and diversified borrower profiles should continue to underpin unit economics, while any incremental efficiency in processing and servicing can pass through to EBIT, aligning with the forecasted $0.20 billion outcome.
Financial Services
Financial Services is set to be a key growth engine this quarter, building on its $0.42 billion revenue last quarter and the company’s ongoing push to deepen member relationships. Deposits expansion enhances funding flexibility and accelerates cross-sell into lending and investing products, which can lift average revenue per member and support durable margin uplift. The segment’s economics benefit from relatively low variable costs at scale; product breadth—from checking and savings to brokerage—creates multiple touchpoints and monetization pathways, especially as the company leverages data-driven marketing and embedded finance features. This quarter’s focus will be on net new member additions, deposit inflows, and engagement metrics; sustained momentum across these vectors should reinforce EPS progression toward the $0.12 estimate. Any further improvement in card and payment monetization, alongside fee-based features, can drive stable, high-margin revenue streams that are less sensitive to rate cycles than lending.
Technology Platform
The Technology Platform offers important optionality for SoFi Technologies Inc., complementing the consumer-facing business with B2B financial infrastructure that can compound operating leverage. With last quarter’s revenue of $0.11 billion, the segment’s growth path depends on client onboarding velocity, transaction volumes, and the roll-out of platform enhancements. This quarter, the largest stock price sensitivity from this segment will likely be tied to evidence of pipeline conversion and the magnitude of recurring revenue, which investors often view as a valuation anchor due to its visibility. Successful expansion of platform capabilities—such as payments APIs, account services, or compliance tooling—can improve client retention and expand addressable revenue per partner, lifting consolidated gross margin and supporting EBIT diversification beyond lending. Positive signs in backlog, contract wins, and usage metrics would add credibility to multi-year forecasts and support the broader narrative of margin resilience.
Stock Price Drivers
The most immediate drivers for SoFi Technologies Inc. shares this quarter are revenue trajectory relative to the $0.98 billion estimate, adjusted EPS against the $0.12 forecast, and evidence of margin durability. Operating leverage, especially in Sales and Marketing and General and Administrative lines, will be scrutinized, as better-than-expected cost discipline tends to translate quickly to EPS. Credit quality indicators—charge-off rates and delinquency trends—will influence investor confidence in the Lending book’s sustainability, while deposit growth and funding costs will frame the net interest margin outlook. Investor reaction will also hinge on management’s commentary on full-year 2026 targets, including member growth and segment profitability milestones, which can recalibrate expectations for the Technology Platform’s contribution and the pace of Financial Services monetization.
Analyst Opinions
The collected analyst perspectives over the past six months skew bullish, with an approximate ratio of two-thirds favoring positive outcomes versus one-third cautious or negative. Supportive views focus on the company’s accelerating operating leverage and top-line expansion, reflected in the current quarter forecasts for revenue of $0.98 billion and EPS of $0.12, and the tangible improvements in profitability after several quarters of investment. Analysts highlighting the bullish case point to the scale benefits of the deposit-funded model, which enhances net interest margins and cushions funding variability, and to the cross-sell engine that continues to lift monetization per member. There is also emphasis on the recurring nature of Technology Platform revenues, which may help sustain gross margin above 80.00% and provide diversification away from credit-sensitive cycles. In the majority view, continued momentum in Financial Services and stable credit trends in Lending are expected to support upside versus consensus, with some framing EBIT near the $0.20 billion mark as achievable if cost control remains firm. Investors are most attuned to confirmation of deposit growth and updated guidance, which could catalyze reevaluation of earnings power and margin trajectory into 2026.Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.
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