SoFi Technologies delivered a stronger-than-expected fourth quarter, giving investors a reason to jump back into the stock after a shaky start to the year. The company topped Wall Street’s expectations on both earnings and revenue, sending shares higher in premarket trading.
Adjusted earnings per share came in at $0.13, ahead of the $0.12 analysts were looking for. Revenue also impressed, with adjusted Q4 sales hitting $1.01 billion versus forecasts of about $977 million. Guidance for Q1 2026 was roughly in line, with management projecting adjusted net revenue of around $1.04 billion.
More than just student loans now
The beat reinforces the idea that SoFi Technologies is successfully evolving beyond its roots as a student loan refinancer. Its expanding lineup of products from investing and wealth tools to mortgages, credit cards, and crypto trading has been driving broader customer engagement and cross-selling opportunities.
That diversification helped power a massive run in the stock last year, with shares climbing roughly 70% as investors bought into the vision of SoFi as a full-service digital financial platform rather than a niche lender.
A stumble… then a bounce
Despite that strong 2025 performance, the stock had been under pressure to start 2026, sliding nearly 7% in January through Thursday’s close. This earnings report appears to be reversing much of that dip, as the results suggest the company’s growth engine is still humming.
In short, SoFi didn’t just clear the bar
it reminded the market that its long-term story is about building a one-stop financial app, and that momentum hasn’t gone away.