SoFi Stock Falls On Soft Guidance Despite 'Strong Quarter' With Record Member Growth, Loan Originations: Analyst

Erica Kollmann

January 27, 2025

SoFi Technologies, Inc. (NASDAQ:SOFI) reported better-than-expected fourth-quarter financial results. However, the company's fiscal 2025 profit guidance dragged the stock down during Monday's session.

Here's a look at some details from SoFi's earnings call and early analyst reactions.

The San Francisco-based company posted earnings of 5 cents per share, beating estimates of 4 cents per share. Its revenue came in at about $739.11 million, beating analyst estimates of $674.13.

However, SoFi guided to approximately 30% incremental adjusted EBITDA margin for 2025, which was well-below Street estimates of greater than 50% and below 2024's 44% EBITDA margin.

Read Next: Royal Caribbean Q4 Earnings Preview: Can Cruise Line Stay Afloat Despite FX, Oil Headwinds?

SoFi emphasized its plans to reinvest earnings back into the business during the company's earnings call.

"We have significant untapped addressable markets in front of us and we have proven that the more we invest, the more we produce durable growth and strong returns. In 2025, we plan to manage towards an incremental EBITDA margin of around 30% as we reinvest in the business to drive that durable growth of 25% again in 2025 and ultimately strong returns well into the future," CEO Anthony Noto said.

JPMorgan analyst Reginald L. Smith released a "First Look" note following SoFi's Q4 earnings release. The analyst highlighted SoFi's success in its Loan Platform Business which originated $1.1 billion in personal loans in Q4 and generated $63 million in high-margin fee income.

Smith pointed to student loan originations being up 43% sequentially and reaching the highest levels since 2021.

"All told, it was a strong quarter highlighted by record Member growth and originations, though overshadowed, at least for the near term, by soft EBITDA guidance," Smith wrote.

Price Action: According to data from Benzinga Pro, SoFi stock fell 10.3% in Monday’s session to close at $16.08 per share.

Read Next:

Trump Reverses Biden’s AI Policies On Day 1: What It Means For Tech Giants Nvidia, AMD, Alphabet

Image: Shutterstock

Recommended

Elon's Optimus to Mint New "Musk Millionaires" as Soon as Jan 26? - Ad

Time to Say Goodbye to "Old" Dollar? Say Hello to "Trump's New Dollar" - Ad

America Wants Less Reliance on Foreign Metals - And This Nevada Play Fits the National Shift - Ad

WASHINGTON (AP) — The Democratic senators — eight in total — faced almost instant blowback from members of their own party as to allow the Senate to move forward on that would reopen the government.

EPAM Confident On Growth, Initiates $1 Billion Stock Buyback

EPAM Systems (EPAM) stock gained 4.41% after reporting strong third-quarter 2025 results, with sales of $1.394 billion.

Global Demand for Defense Metals Is Surging 7X

Global Demand for Defense Metals Is Surging 7X - Ad

Lithium, uranium and titanium are at the center of a global race. Nations are scrambling to secure them for fighter jets, EVs, and reactors. One N. American project could help fill the West's critical-minerals gap.

Trump attacks ABC News correspondent Mary Bruce in angry response to three sharp questions

NEW YORK (AP) — President Donald Trump denounced ABC News' Mary Bruce as a “terrible reporter” Tuesday and threatened the network's license to broadcast after she asked him three sharp questions at the White House.

iPhone Pocket, China Sales, $600 Million Patent Case And More: This Week In Appleverse

Apple made headlines this weekend with a record-breaking TV drama, a viral new accessory, surging iPhone 17 sales in China, and a major $600 million patent ruling.

Buy This Gold Stock Before the New Year

Buy This Gold Stock Before the New Year - Ad

America is about to see a massive shift in how regular people buy and store gold. Next year, the world's largest gold buyer is expected to launch a new way for everyday Americans to invest in gold with a simple tap on their phone - and it could go live in 2026. When it does, a tiny gold stock trading around $1.60 could explode.

Wendy's to close hundreds of US stores in bid to halt falling profit

Wendy’s plans to close hundreds U.S. restaurants over the next few months in an effort to boost its profit.

'Rich Dad Poor Dad' Author Robert Kiyosaki Warns Of Crash In BTC, ETH, Gold, Silves Prices, But Says He's Buying, Not Selling: Here's Why

Robert Kiyosaki, author of “Rich Dad Poor Dad,” has shared his investment strategy amid predictions of an economic downturn.

Trump Signs Law to Launch Dollar 2.0

Trump Signs Law to Launch Dollar 2.0 - Ad

Trump just signed law S.1582, unleashing the biggest money shift in 100+ years. For the first time since 1913, private firms - not the Fed - can mint a "Dollar 2.0." Treasury says it could drain $6.6T from banks and pay 10X current savings rates. Early investors in minting firms could see 40X returns by 2032.

Zohran Mamdani Says No More Thanking Veterans Today, Forgetting Tomorrow — Trump, Obama And Others Express Gratitude For Service

America's top political and tech leaders — including Donald Trump, Barack Obama, Tim Cook, and Sundar Pichai — marked Veterans Day 2025 with tributes honoring the courage and sacrifice of U.S. service members.

MacKenzie Scott Has Donated More Than $19 Billion, Yet Her Wealth Grows Faster

MacKenzie Scott, the billionaire philanthropist and ex-wife of Amazon founder Jeff Bezos, has donated a staggering $19.25 billion since 2020.

Why Are 21 Billionaires Moving Their Money ASAP?

Why Are 21 Billionaires Moving Their Money ASAP? - Ad

One of the biggest stock market events in 25 years is rapidly unfolding... The economist who predicted the 2008 Financial Crisis says it will be: "The Biggest Crash of Our Lifetime." It could cut the entire tech marketing by HALF.

AMD, Super Micro Computer, Upstart Holdings, Pinterest And Rivian: Why These 5 Stocks Are On Investors' Radars Today

AMD, SMCI, UPST, PINS, RIVN were among the stocks seen trending on Tuesday, Nov. 4, 2025.

Cathie Wood Makes $13.4 Million Bet On This Social Network After Earnings Crash — But Dumps Robinhood And Reddit

Ark Invest made significant trades, focusing on Pinterest, Robinhood, and Reddit amid earnings reports. They have confidence in Pinterest's potential despite recent setbacks.

The Market Just Crossed a Dangerous Line

The Market Just Crossed a Dangerous Line - Ad

The man who predicted the 2008 crash and 2020 says today's soaring markets are NOT a bubble - they're something far stranger and more dangerous. He says it's about to change everything you know about money.

Washington's struggling economy takes another economic hit from the government shutdown

WASHINGTON (AP) — With the combination of the , the mass firings of government workers and a , the Capital Area Food Bank in Washington is bracing for the swell of people who will need its help before the holiday season.

TSLA, PLTR, IREN And More: 5 Stocks That Dominated Investor Buzz This Week

Retail investors talked up five hot stocks this week (Nov. 3–7) on X and Reddit's r/WallStreetBets: TSLA, PLTR, MSTR, AMD, IREN.

Legally "Skim" $6,361 Into Your Account?

Legally "Skim" $6,361 Into Your Account? - Ad

A former hedge fund manager is now sharing his "Skim Codes" with regular people. They're not stocks. They're not crypto. They're 18-character codes designed to profit from recent market conditions. All you have to do is punch them into an ordinary brokerage account. 84% of these codes have given people the chance to generate cash payouts so far... and his next code is going out any day now.

Shiba Inu Burn Rate Soars 67,557%: Is The Bull Run Back?

Shiba Inu (CRYPTO: SHIB) has dramatically accelerated its token burns, igniting hopes for a restart of the bull run.

Zohran Mamdani Wins NYC Mayor Race, Abigail Spanberger Becomes Virginia's First Female Governor In Historic Democratic Win (UPDATED)

U.S. stock futures slipped on election night as Democrat Abigail Spanberger made history by becoming Virginia's first female governor, signaling a major political shift while markets reacted to post-election uncertainty.

Gold Is Surging Again - But This Nevada Opportunity Offers Much More Than Gold

Gold Is Surging Again - But This Nevada Opportunity Offers Much More Than Gold - Ad

Gold has been on an incredible run as investors search for safety, inflation hedges, and real assets with staying power. But this Nevada opportunity isn't just another gold story. The region is showing potential across copper, silver, gold, and tungsten - a rare mix tied to electrification, AI demand, and U.S. supply-chain needs.

Bill Ackman's Hertz Stake Is Starting To Look Like His Next Chipotle Moment

Bill Ackman's investment in Hertz may be the next Chipotle moment as the rental-car company sees a surprise profit and a 40% stock surge.

Donald Trump's Popularity Falls As Shutdown Drags On

President Donald Trump's approval rating has continued to drop, with the latest poll showing a significant decline, raising concerns for the Republican Party as the 2026 midterm elections approach.

Elon's Optimus to Mint New "Musk Millionaires" as Soon as Jan 26?

Elon's Optimus to Mint New "Musk Millionaires" as Soon as Jan 26? - Ad

Elon Musk may be set to create more "Musk Millionaires" as soon as January 26... Because on that day, he's expected to officially launch his Optimus robot... An AI-powered robot that Elon himself says will be capable of "doing anything bar nothing". Now, it's important to point out that Elon hasn't released it to the public yet... But ahead of the launch, one Silicon Valley insider has identified a "backdoor way" for any American to invest in Optimus with a regular brokerage account...

Some Social Security Recipients Won't Have To Wait Until 2026 For COLA Hike

Social Security and SSI recipients will receive a 2.8% cost-of-living adjustment in 2026, with SSI beneficiaries seeing the increase a day earlier due to a federal holiday.

'No hire' job market leaves unemployed in limbo as threats to economy multiply

WASHINGTON (AP) — When Carly Kaprive left a job in Kansas City and moved to Chicago a year ago, she figured it would take three to six months to find a new position. After all, the 32-year old project manager had never been unemployed for longer than three months.

Time to Say Goodbye to "Old" Dollar? Say Hello to "Trump's New Dollar"

Time to Say Goodbye to "Old" Dollar? Say Hello to "Trump's New Dollar" - Ad

If you have any money in U.S. dollars... learn how to prepare for "Trump's new dollar"... Because this could be the biggest change to our financial system in 54 years. President Trump even called it: "The greatest revolution in financial technology since the birth of the internet itself."

Bill.Com Scales Payments Footprint With 33 Million Transactions

Bill Holdings, Inc. (BILL) reports Q1 fiscal 2026 results, beating analyst estimates with adjusted EPS of 61c and revenue of $395.74M.

MP Materials Stock Rebounds After Losses Following Mixed Q3 Results

MP Materials Corp (NYSE:MP) shares are trading higher on Friday after initially trading lower following the company's mixed third-quarter financial results.

America Wants Less Reliance on Foreign Metals - And This Nevada Play Fits the National Shift

America Wants Less Reliance on Foreign Metals - And This Nevada Play Fits the National Shift - Ad

The U.S. is working to reduce dependence on China and Russia for strategic metals like copper, silver, gold, and tungsten. Guardian Metal's recent results confirmed these metals are active in this Nevada corridor - and its stock is up 300%+ YTD. A new explorer on the same belt is entering early as America pivots back to domestic supply.

Pfizer clinches deal for obesity drug developer Metsea after a bidding war with Novo Nordisk

NEW YORK (AP) — U.S. pharmaceutical giant Pfizer signed a deal to purchase development-stage obesity drugmaker Metsera Inc., winning a bidding war against Novo Nordisk, the Danish drugmaker behind weight-loss treatments Ozempic and Wegovy.

Officials scour charred site of Kentucky UPS plane crash for victims and answers

LOUISVILLE, Ky. (AP) — The grim task of finding victims from the firestorm that followed the in Louisville, Kentucky, entered a third day Thursday as investigators gather information to determine why the aircraft caught fire and lost an engine on takeoff.

Global Demand for Defense Metals Is Surging 7X

Global Demand for Defense Metals Is Surging 7X - Ad

Summit of EU, Latin America and Caribbean nations aims to strengthen ties amid US military operation

BOGOTA, Colombia (AP) — Representatives of European, Latin American and Caribbean nations will meet Sunday in Colombia to try to strengthen ties amid divisions in the Western Hemisphere over targeting alleged drug-carrying vessels.

Deep in Trump country, coal miners with black lung say government is suffocating the 'working man'

OAK HILL, W.Va. (AP) — Lisa Emery loves to talk about her “boys.” With each word, the respiratory therapist’s face softens and shines with pride. But keep her talking, and it doesn’t take long for that passion to switch to hurt. She knows the names, ages, families and the intimate stories of each one’s scarred lungs. She worries about a whole community of West Virginia coal miners — including a growing number in their 30s and 40s — who come to her for help while getting sicker and sicker from what used to be considered an old-timer’s disease: black lung.

Buy This Gold Stock Before the New Year

Buy This Gold Stock Before the New Year - Ad

Bill Gates Wasn't Eager To Meet Warren Buffett Until He Learnt This About The Oracle Of Omaha

Bill Gates almost skipped his meeting with Warren Buffett in 1991, but a push from his mother led to a daylong conversation that reshaped his business thinking and began a long friendship.

Palantir CEO Alex Karp Blasts Short Sellers Again As Stock Drops 11% This Week, Deems It 'Market Manipulation'

Palantir CEO Alex Karp takes aim at those betting against the stock as the software company's shares fell 11% this week.

Trump Signs Law to Launch Dollar 2.0

Trump Signs Law to Launch Dollar 2.0 - Ad

TSMC Chief CC Wei Says Nvidia CEO 'Wants More Chips' As Jensen Huang Enjoys Hotpot In Taipei And Praises The Taiwanese Foundry: 'No TSMC, No Nvidia'

Nvidia CEO Jensen Huang praised TSMC as vital to his company's success during his Taiwan visit, where he met TSMC chief CC Wei over hotpot and reportedly requested more chips amid surging AI demand and U.S. export restrictions.

Trending Now