Fintech company SoFi Technologies (SOFI) is set to report its fourth-quarter 2025 results on Friday, January 30. The stock has surged about 48% in 2025, driven by strong financial performance and rapid growth in its customer base. Wall Street expects SoFi to post earnings of $0.12 per share, down 58.6% from a year earlier. Meanwhile, revenue is projected to reach $977.42 million, up from $734 million in the prior-year quarter.
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SoFi has a solid earnings history, with the company beating estimates in all of the past eight quarters.
Analysts’ Views Ahead of SOFI’s Q4 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.
Loan trends will be a key focus this quarter, especially as analysts look for signs of a pickup in mortgage and personal loan activity. As seen in the chart below, personal loans remain SoFi’s largest lending category, while home loan originations are starting to pick up after a long slowdown.
Here’s What Options Traders Anticipate Ahead of SOFI’s Q4 Earnings
Using TipRanks’ Options tool, we can see what options traders are expecting from the stock immediately after its earnings report. The expected earnings move is determined by calculating the at-the-money straddle of the options closest to expiration after the earnings announcement. If this sounds complicated, don’t worry, the Options tool does this for you.
Indeed, it currently says that options traders are expecting about an 8.62% move in either direction in SoFi Technologies stock in reaction to Q4 results.
What Is the Price Target for SOFI?
Overall, Wall Street is sidelined on SoFi stock with a Hold consensus rating based on three Buys, six Holds, and three Sell recommendations. The average SOFI stock price target of $27.00 indicates a possible upside of 10.84% from current levels.
