Financials·Consumer Finance·$23.5B
SoFi Technologies Inc. (SOFI) operates in the financial sector, focusing on consumer finance....
Earnings Per Share (EPS)
EPS is a key indicator of profitability and helps investors gauge the company's financial health.
Revenue
Revenue growth reflects the company's ability to attract and retain customers, which is crucial for long-term success.
Wall Street expectations, options signals, track record, and call prep available with Pro.
EPS Beat Streak
8Q
EPS Beat Rate
100%
Avg EPS Surprise
+54.28%
Avg Stock Reaction
-2.46%
In Q4 2025, SoFi reported an EPS of $0.13, exceeding expectations by 10.17%. However, the stock dropped 6.36% the following day, indicating mixed investor sentiment.
Management Promises & Guidance
Analysts expect SoFi to continue its trend of beating EPS estimates, with a consensus EPS of $0.12 for Q1 2026. Revenue expectations are set at $1.0B, indicating stable growth.
Bull Case
If SoFi exceeds the EPS and revenue estimates, it could signal strong demand for its services and boost investor confidence, potentially leading to a stock price increase.
Bear Case
Conversely, if the company fails to meet expectations, it may raise concerns about its growth trajectory and market position, leading to a decline in stock value.
Earnings Per Share (EPS)
$0.12EPS is a key indicator of profitability and helps investors gauge the company's financial health.
Revenue
$1.0BRevenue growth reflects the company's ability to attract and retain customers, which is crucial for long-term success.
The print will turn on these two things.
Q1
Will the EPS exceed the consensus estimate of $0.12?
A beat on EPS would reinforce investor confidence in SoFi's profitability and growth strategy.
Q2
What is the revenue outlook for Q1 2026, particularly in light of recent consumer spending trends?
Understanding revenue growth will be crucial for assessing the company's market position and future potential.
Why consensus could be wrong
The Street may be underestimating SoFi's potential for revenue growth, given its recent expansion into new financial products that cater to a broader audience.
Supporting Evidence
SoFi has consistently beaten EPS estimates in the past, indicating strong operational performance.
Recent consumer trends show increasing demand for digital financial services, which SoFi is well-positioned to capitalize on.
Key Risk
If revenue growth significantly outpaces expectations, it could challenge the current consensus view.
Pre-commit to what would confirm each case.
This quarter's performance will be closely watched as it could indicate the company's ability to maintain its growth trajectory amid changing market conditions.
Bull Confirmed If
An EPS of $0.13 or higher, coupled with revenue exceeding $1.0B, would confirm the bullish outlook.
Bear Confirmed If
An EPS below $0.12 or revenue falling short of $1.0B would support the bearish case.
Implied Move
±4.2%
The options market is pricing in a potential move of 4.2% around the earnings announcement, reflecting uncertainty about the results.
Likely market behavior by outcome — not investment advice.
Beat & Raise
If SoFi beats expectations, history suggests the stock could rise by about 5.93%, confirming a positive outlook for the company.
In-Line / Cautious
If results are in line with expectations, the stock may experience a muted reaction, driven by cautious management commentary.
Miss
Should the company miss expectations, the stock could decline, with historical data suggesting an average drop of around 2.46%.
AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.
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VERIZON COMMUNICATIO
Apr 27, 2026