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SOFI Technologies to Report Q4 Earnings: Here's What to Expect

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Key Takeaways

  • SOFI is set to report Q4 results on Jan. 30, after beating earnings estimates in all the past four quarters.
  • SOFI's Q4 revenues are expected to rise 32.9% Y/Y, driven by member growth and ongoing product innovation.
  • Earnings are projected to jump 140%, supported by improved operating efficiency and a positive Earnings ESP.

SoFi Technologies, Inc. (SOFI - Free Report) is scheduled to report its fourth-quarter 2025 results on Jan. 30, before the bell.

The company has had an impressive earnings surprise history. Earnings surpassed the Zacks Consensus Estimate in the trailing four quarters, with a 45.1% surprise on average.

Expectations This Time Around

The Zacks Consensus Estimate for SoFi’s revenues in the to-be-reported quarter is pegged at $981.9 million, indicating a 32.9% year-over-year increase. Growth in members and strong product innovation are likely to have contributed to the positive impact on the company's top line.

The consensus estimate for the bottom line in the to-be-reported quarter stands at 12 cents per share, indicating 140% year-over-year growth. We expect SoFi’s improved operational efficiency to have driven this expected growth in the quarter.

SoFi Technologies, Inc. Price and EPS Surprise

SoFi Technologies, Inc. Price and EPS Surprise

SoFi Technologies, Inc. price-eps-surprise | SoFi Technologies, Inc. Quote

What Our Model Says

Our proven model predicts a likely earnings beat for SOFI this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy), or 3 (Hold) increases the odds of an earnings beat. You can uncover the best stocks to buy or sell before they're reported with our Earnings ESP Filter.

SOFI has an Earnings ESP of +1.30% and a Zacks Rank #3. You can see the complete list of today’s Zacks #1 Rank stocks here.

Other Stocks to Consider

Here are a few other stocks, which, according to our model, also have the right combination of elements to beat on earnings this season.

Autoliv (ALV - Free Report) : The Zacks Consensus Estimate for the company’s fourth-quarter 2025 revenues is pegged at $2.76 billion, indicating year-over-year growth of 5.3%. For earnings, the consensus mark is pegged at $2.85 per share, implying a 6.6% decline from the year-ago quarter’s actual. The company beat the consensus estimate in each of the trailing four quarters, with an average surprise of 12.5%.

ALV has an Earnings ESP of +3.63% and a Zacks Rank of 3. The company is scheduled to declare its fourth-quarter 2024 results on Jan. 30.

Adient (ADNT - Free Report) : The Zacks Consensus Estimate for the company’s first-quarter fiscal 2026 revenues is pegged at 3.48 billion, indicating a year-over-year marginal decline. The consensus estimate for earnings is pegged at 20 cents per share, implying a year-over-year decline of 26%. The company beat the consensus estimate in two of the past four quarters and missed twice, with an average surprise of 23.6%.

ADNT has an Earnings ESP of +1.47% and a Zacks Rank of 3. The company is scheduled to declare its fourth-quarter 2024 results on Feb. 04.


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