$SoFi Technologies Inc.(SOFI)$

$SoFi Technologies Inc.(SOFI)$ cut everything, time for correction

SoFi Earnings Ahead: Is a Return to $30 Still in Play?

SoFi Technologies heads into Q4 earnings on Jan 30 with strong momentum, after rallying over 60% in 2025. Bulls point to scaling fundamentals—Q3 revenue rose 38% YoY to $950M, profitability beat expectations, and member growth reached 12.6M (+35% YoY). Bears, however, flag a rich valuation (forward P/E ~71), rising credit risks, and a higher bar for guidance. Wall Street expects $0.12 EPS on ~$977M revenue. After a 60%+ run, does SoFi need to beat and raise to move higher? Can member growth and cross-selling offset valuation and credit concerns?

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