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

Warren Buffett's Investing Partner's Shocking Final Move - Ad

Trump's Secret Plan to Reboot the Dollar Leaked? - Ad

Wall Street Pioneer's AI Warning: "I thought we had more time..." - Ad

Meta Platforms CEO Mark Zuckerberg announced that the company's AI model family, 'Llama', has reached a milestone of 1 billion downloads.

FuboTV Partners With Rangers Sports Network For Full Season Of Texas Rangers Baseball

FuboTV partners with Rangers Sports Network to stream Texas Rangers games on its sports-centric live TV platform. This strengthens its position as the go-to platform for local sports and offers other entertainment options.

The 2025 'Trump Shock' [401K Owners Stunned]

The 2025 'Trump Shock' [401K Owners Stunned] - Ad

Trump's Gold Reset? A massive dollar overhaul could be coming! Insiders say Trump may return America to the gold standard--sending gold prices soaring. He's been stockpiling gold for decades... should you? Discover how to legally move funds from your IRA & 401(k) into gold tax-free!

Anthony Scaramucci Says Trump Administration Has 'Smarter' People Involved With Crypto Regulation

Anthony Scaramucci, founder and managing partner of SkyBridge Capital, highlighted the improvements in regulation under President Donald Trump compared to the previous regime on Tuesday.

Tesla Drops Nearly 5% As Mizuho Cuts Price Target To $430 â€” Peter Schiff Asks Why Is It 'Bad News'

Tesla Inc. shares plunged nearly 5% Monday after Mizuho analysts slashed their price target for the electric vehicle maker, prompting economist Peter Schiff to question the market's reaction.

Are you owed an extra $2,105 a month in extra cash?

Are you owed an extra $2,105 a month in extra cash? - Ad

A little-known "loophole" has allowed a handful of regular Americans to legally collect over $109,200,000 in bonus cash. And today's your chance to join them. It doesn't matter how old you are or even how much money you make. And my research shows there's no way you can be denied from taking part in this opportunity.

Warren Buffet's Berkshire Hathaway Boosts Stake In Japan's Top Trading Firms

Legendary investor, Warren Buffett's Berkshire Hathaway as amplified its investment in Japan's five leading trading companies

Tesla Stock Surges Nearly 4% In Pre-Market: What's Going On?

Tesla Inc. stock climbed 3.56% during the pre-market trading session on Wednesday as it attempted to rebound.

13-Second Trump Video Could Trigger AI Shock

13-Second Trump Video Could Trigger AI Shock - Ad

Louis Navellier, the legendary investor who picked Nvidia before shares exploded as high as 3,423%... Just released a video with this 13-second Trump clip about the current AI boom. Please, do NOT buy any AI stock before watching that clip. What President Trump said in that clip could have implications for this AI boom.

Joe Rogan Once Talked About The Two Billionaires He 'Really' Loves, He Called Elon Musk A Nomad And Jeff Bezos A Yacht King â€” What These Two Tech Titans Own Reveals A Very Interesting Story

Joe Rogan once praised Elon Musk for living like a nomad and Jeff Bezos for his outrageous luxury, but a closer look reveals both billionaires now own lavish assets—challenging the public image they've cultivated.

Hollywood director arrested on charges of swindling Netflix out of $11M for a show that never aired

NEW YORK (AP) — A Hollywood writer-director was arrested Tuesday on charges that he swindled $11 million from Netflix for a sci-fi show that never aired, instead steering the cash toward cryptocurrency investments and a series of lavish purchases that included a fleet of Rolls-Royces and a Ferrari.

Globetrotting CFA Discovers Top Four Gold Miners With 100X Upside Potential

Globetrotting CFA Discovers Top Four Gold Miners With 100X Upside Potential - Ad

Most CFAs sit at a desk... But one unusual CFA went all-in on gold investing 20 years ago... and accidentally positioned himself as the expert's expert for the current bull market. Garrett Goggin's research has led him to the the Top Four miners sitting on potential upside of 100X or more for the current gold mania. He's been offered as much as $100k by Hedge Funds.

Cathie Wood Hops On Tokenization Hype Train, Says 'We'd Love To Tokenize Our Venture Fund'

Ark Invest CEO Cathie Wood plans to bring funds on-chain through tokenization, tapping into potential of transforming traditional investments while warning of risks in meme coins.

Canada incoming PM says he'll keep tariffs in place until US shows respect and commits to free trade

TORONTO (AP) — Incoming said Tuesday that his government will keep tariffs in place until Americans show respect and commit to free trade after U.S. President Donald Trump threatened historic financial devastation for Canada.

Millionaire Trader: "My No. 1 Stock of the Decade" (Revealed Free)

Millionaire Trader: "My No. 1 Stock of the Decade" (Revealed Free) - Ad

The stock revealed right here just may be millionaire trader Jeff Clark's favorite stock ever. Because this one stock alone has been responsible for some of the biggest gains he's ever handed my readers... 195% in under a month... 85% in 14 days... 176% in 5 weeks... 120% in under 3 months... 55% in two days... 138% in 8 days... And even 222% in 8 days.

Eventful Monday For AstraZeneca - What's Going On?

AstraZeneca's eneboparatide met its Phase 3 trial goal for chronic hypoparathyroidism, while the EU approved Imfinzi for small cell lung cancer treatment.

Cathie Wood Goes On Shopping Spree Amid Tech Bloodbath Monday: Loads Up On Tesla, Palantir, Coinbase And These Stocks

On Monday, Cathie Wood‘s Ark Invest made significant trades involving Tesla Inc. (NASDAQ:TSLA) , Palantir Technologies Inc. (NASDAQ:PLTR), Coinbase Global Inc. (N

The Last Time Gold Flashed This Warning Sign, the Market Dropped 80%

The Last Time Gold Flashed This Warning Sign, the Market Dropped 80% - Ad

Both President Trump and Elon Musk are warning about something that could send the market down 50%, real estate down 40% and savings accounts down 30%.

NBA Legend Shaq's Walmart Shopping Spree Ends In Credit Card Decline - Here's How Much He Tried To Spend

Basketball superstar Shaquille O'Neal's impact goes beyond basketball, with his larger-than-life personality and smart investments. Yet, one of his most unforgettable moments happened at Walmart.

Analyst Sees Wendy's Playing Catch-Up, Needs Stronger Focus on Tech, Talent & Global Expansion

J.P. Morgan analyst Rahul Krotthapalli maintains a Neutral rating on Wendy's with a $17 price target. Despite its strong U.S. presence, Wendy's faces a sub-1x sales/investment ratio.

Claim the "No.1 Coin of 2025" Before March 24th

Claim the "No.1 Coin of 2025" Before March 24th - Ad

After spotting 44 different coins that have returned over 100%...Chris Rowe is now exposing the details behind the "Superpower Coin"... that's partnered with 19 of the largest companies from some of the world's largest superpower nations... A little-known 3-cent coin that is poised to outperform Bitcoin in 2025... starting on March 24th.

Meet the federal worker who went rogue: I hope that it lights a fire under people

NEW YORK (AP) — To billionaire Elon Musk and his cost-cutting team at the Department of Government Efficiency, Karen Ortiz may just be one of many faceless bureaucrats. But to some of her colleagues, she is giving a voice to those who feel they can't speak out.

North Carolina Republicans seek to force top Democrats to fall in line with Trump agenda

RALEIGH, N.C. (AP) — North Carolina Republicans who are resolved to promote President Donald Trump’s agenda now seek to compel the recently elected Democratic governor to aid the president's immigration crackdown and stop the new Democratic attorney general from fighting Trump in court.

Stocks to Crash on March 16, 2026? Here's Compelling Reason Why

Stocks to Crash on March 16, 2026? Here's Compelling Reason Why - Ad

Perhaps no one on or off Wall Street has been more accurate calling the bull and bear turns of the past 7 years. From the bear markets of 2018 and 2022... to the roaring bull runs of 2021, 2023, and 2024. And now, Marc Chaikin is predicting the next crash will start March 14, 2026. If you have money in the markets, Chaikin's thesis is a must-see.

China's Viral AI Agent Manus Taps Alibaba's Qwen For Local Expansion: What You Need To Know

China's Manus AI, a viral autonomous agent developed by Tencent-backed startup The Butterfly Effect, is partnering with Alibaba's Qwen team to create a localized version as it gains global attention and draws comparisons to DeepSeek.

Japan's Seven & i sells retail business to Bain Capital for $5.4 billion, plans IPO

Japan’s Seven & i, the parent company of the Japanese 7-Eleven convenience store chain, said Thursday it is selling its supermarket store assets to Bain Capital for about $5.4 billion.

Warning: What They Haven't Told You (Yet) About the 2025 Selloffs

Warning: What They Haven't Told You (Yet) About the 2025 Selloffs - Ad

In light of massive recent selloffs... Stansberry Research has issued a new warning for the public. Their latest research shows the real truth about the 2025 tariff selloffs is much bigger -- and much worse -- than the public realizes. They say unless you take the right steps now... You could soon see your wealth cut in half.

Bank of America Sounds Alarm on Massive Data Breach, Millions Could Be Affected - Is Your Account Safe?

Bank of America Corp has issued a warning to a select group of customers about a possible data breach.

Warren Buffett on Debt and Donald Trump's Money Moves: Trump 'Never Went Right'

In a piece of advice that continues to hold relevance, investor Warren Buffett once warned students about the perils of excessive borrowing, citing Donald Trump as a case in point.

AI + Smart Glass = A Nasdaq Sleeper

AI + Smart Glass = A Nasdaq Sleeper - Ad

This recent Nasdaq IPO is quietly making waves, thanks to its 95% market share in a $240M aerospace niche. With patented technology that integrates AI into smart glass, this company is poised for massive growth as the market races toward $124 billion by 2029.

Trump vs Musk? Federal Workers Unconvinced He'll Take Action: 'If They Don't Cut, Elon will, Comments Show Who's Really In Charge'

President Donald Trump has reportedly limited the authority of his billionaire advisor, Elon Musk, to dismiss federal employees. This development has stirred skepticism among the workforce and political circles.

The U.S. penny costs nearly 4 cents to make. But for one sector of souvenir sellers, it's a living

NEW YORK (AP) — Donald Trump talks of big change in his second term of office. But he's not forgetting small change, either.

The Fort Knox Cover-up? What It Means for Gold

The Fort Knox Cover-up? What It Means for Gold - Ad

Trump and Musk are demanding answers: Is Fort Knox empty? If the gold is gone, supply collapses, and prices could skyrocket instantly. Right now, I've uncovered 5 major gold predictions that could make this Fort Knox moment even bigger than people realize. One of them is already unfolding--and the window to act is closing fast.

Palantir Cofounder Peter Thiel Might Write A Book About Ancient Prophecies, The Antichrist, And Armageddon - He Thinks We're Ignoring The Real Threat

Billionaire tech investor Peter Thiel is exploring a book on ancient prophecies, the Antichrist, and Armageddon, warning that society is ignoring the threat of a one-world government—a concern he believes demands urgent attention.

What's Going On With Gap Stock Friday?

Gap stock is trading higher on Friday after the company reported fourth-quarter earnings on Thursday after the market closed.

Debts, Deficits & Destruction of the US Dollar

Debts, Deficits & Destruction of the US Dollar - Ad

The economist Time Magazine called "out of step with economic reality" for predicting the U.S. economy would implode in his 2005 best-selling book Empire of Debt over two years before the Financial Crisis tore America and the global economy apart... is back to issue his next warning. Before you invest a single dollar in the markets -- or make any investment decisions -- it's critical you see this alarming video right away.

What's Going On With Ford Stock Wednesday?

Investors may be assessing trade policy along with President Donald Trump's plan to make interest payments on automobile loans tax deductible for US-made vehicles.

Albania shuts down TikTok for a year amid concerns over violence among children

TIRANA, Albania (AP) — The Albanian Cabinet decided on Thursday to shut down for 12 months, blaming the popular video-sharing platform for inciting violence and bullying, especially among children.

What should you be doing to "AI-Proof" your retirement?

What should you be doing to "AI-Proof" your retirement? - Ad

AI is creeping into every aspect of our daily lives... According to billion-dollar fund manager Louis Navellier, it's never been more important to AI-proof your wealth. He lays out three simple steps to take ASAP in his new video.

Warren Buffett Is The 'GOAT,' Says Lawrence McDonald As Bill Ackman Predicts A Stronger Berkshire After The Oracle Of Omaha Eventually Steps Down

Lawrence McDonald, founder of Bear Traps Report, called Warren Buffett the "GOAT" of asset management on Sunday while noting the legendary investor put "very little capital to work" during the 2020 COVID market drawdown compared to 2022's market stress.

Trending Now

What's Going On With Hesai Group Stock On Wednesday?

Nvidia Says Dynamo Can Make DeepSeek R1 30X Faster With Blackwell, Months After The AI Model Sparked Selloff Leading To A $600 Billion Drop In Its Market Cap (Corrected)