SoFi Technologies (SOFI) is set to report its fourth-quarter 2025 results on Friday, January 30. The stock has rallied about 42% in 2025, easily outperforming the broader market. SoFi has delivered strong results in recent quarters, driven by steady growth in its member base and improving operating performance. That said, while several analysts point to SoFi’s solid execution and growth outlook, some remain cautious due to the stock’s elevated valuation. As a result, Wall Street’s consensus rating reflects a more cautious stance heading into the Q4 earnings report.
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What to Expect from SoFi on January 30
Wall Street analysts expect Q4 revenue to slip about 3.4% to roughly $973.42 million. Meanwhile, earnings are also expected to be lower, with EPS forecast at $0.11, down from $0.29 in the same quarter last year.
Investors will be watching for updates on loan growth, credit quality, and guidance when the company reports its earnings.
Analysts Weigh in on SOFI’s Upcoming Earnings
Ahead of the Q4 print, Bank of America analyst Mihir Bhatia resumed coverage with a Sell rating and a price target of $20.50. The 5-star analyst views SoFi’s recent $1.5 billion capital raise as a “modest positive,” as it gives the company added flexibility to invest in growth. That said, the analyst remains cautious on the stock, citing limited upside at current valuation levels.
Meanwhile, Barclays analyst Terry Ma increased the price target for SOFI stock to $28 from $23 and reaffirmed a Hold rating. The 4-star analyst sees further upside in select consumer finance stocks in 2026, supported by what he expects to be a benign credit environment. Ma also believes improving credit conditions could help drive loan growth and expects the mortgage origination market to recover in 2026, providing an additional tailwind for the sector.
Is SOFI a Good Stock to Buy?
Overall, Wall Street is sidelined on SoFi Technologies stock with a Hold consensus rating based on five Buys, six Holds, and three Sell recommendations. The average SOFI stock price target of $28.31 indicates a possible upside of 8.34% from current levels.
