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 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.

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.

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.

SoFi Technologies' fintech segment is growing, but this also came with much higher non-interest expense. Find out what makes SOFI stock a hold for now.

For long-term investors, SoFi’s ongoing transformation into a diversified financial ecosystem could make it a worthwhile investment, even as near-term market conditions and high expectations introduce volatility.

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.