SoFi Technologies, Inc. (SOFI) will report its first-quarter 2024 results on April 29, before the bell.The Zacks Consensus Estimate for earnings in the to-be-reported quarter stands at 3 cents, indicating 50% growth from the year-ago reported quarter. The consensus estimate for revenues stands at $742.3 million, implying 27.9% year-over-year growth.There has been one upward revision in earnings estimates in the past 60 days against one downward revision.SOFI May Not Deliver Q1 Earnings BeatOur proven model ...

To say that SoFi (SOFI 4.73%) has shown impressive momentum in the few years since it went public would be an understatement. In the three-year period including 2022, 2023, and 2024, SoFi's membership base nearly tripled, and its bank grew from $0 in deposits (it got its banking charter in early 2022) to nearly $26 billion.There are plenty of impressive numbers throughout SoFi's results that are important to watch. The growth in its third-party lending platform, as well as the progress made by the Galileo t ...

Shares of SoFi Technologies, Inc. (SOFI) have declined 24% year to date compared with the industry’s 16% decline.<This sharp downturn raises the question: Does this present a compelling buy-the-dip opportunity, or should investors exercise caution? Let’s find out.SoFi’s Strong Business ModelSoFi’s land-and-expand strategy remains a core strength, provided it is effectively managed. The company has a strong track record of executing this ambitious growth approach. By offering a diverse range of financial ser ...

The broad market S&P 500 index is down 10% this year and off 14% from its peak, but it has climbed a bit from the low point it touched after President Donald Trump's broad tariff announcement tanked Wall Street a few weeks ago. The word out of the White House keeps changing, and the markets keep reacting.It can be disconcerting for investors to see the value of their portfolios evaporate, but unless you need the funds you have invested immediately, market turbulence can sometimes be a blessing in disguise. ...

Core Viewpoint - The macro environment has shifted due to increasing tariff tensions and a broader market sell-off, impacting growth names like SoFi, but this correction has created a favorable entry point for investors [1]. Group 1: Investment Strategy - The investment strategy focuses on identifying high-potential winners before they break out, emphasizing asymmetric opportunities with an upside potential of 2-3 times the downside risk [1]. - Risk management is crucial, aiming for a strong margin of safety to protect against capital impairment while maximizing long-term compounding [1]. - The investment horizon is set at 4-5 years to endure volatility, with an emphasis on patience, discipline, and intelligent capital allocation for superior returns [1]. Group 2: Leadership and Management Analysis - The company has a proven track record in scaling businesses, demonstrating smart capital allocation and insider ownership [1]. - Consistent revenue growth and credible guidance are highlighted as key factors for success [1]. Group 3: Market Positioning - The company benefits from a strong technology moat and first-mover advantage, which are critical for driving exponential growth [1]. - Network effects are leveraged to enhance market penetration in high-growth industries [1]. Group 4: Financial Health - Sustainable revenue growth is supported by efficient cash flow, alongside a strong balance sheet that ensures long-term survival [1]. - The company avoids excessive dilution and financial weaknesses, which is vital for maintaining financial health [1]. Group 5: Valuation and Risk/Reward - Valuation is assessed through revenue multiples compared to peers and DCF modeling, ensuring downside protection while aiming for significant upside [1]. - Institutional backing and market sentiment analysis are integral to the investment approach [1]. Group 6: Portfolio Construction - The portfolio is constructed with core positions (50-70%) in high-confidence, stable plays, while growth bets (20-40%) focus on high-risk, high-reward opportunities [1]. - A small portion (5-10%) is allocated to speculative investments, targeting moonshot disruptors with massive potential [1].

SoFi has secured agreements that amount to a $3.2 billion expansion to its Loan Platform Business, which refers prequalified borrowers to loan origination partners and originates loans on behalf of third parties.One agreement includes a $2 billion extension of an earlier agreement for personal loans with fund managed by affiliates of global investment manager Fortress Investment Group, while the other involves SoFi originating an additional $1.2 billion in loans with technology powered by a joint venture be ...

Core Viewpoint - The current economic environment presents challenges for SoFi Technologies, with potential impacts on its growth trajectory due to tariffs and economic uncertainty [1][6][10]. Company Performance - SoFi has experienced significant growth, with its member base increasing ninefold to over 10 million in the past five years, and revenue rising 26% to $2.6 billion last year [3]. - The adjusted earnings per share improved to $0.15, a recovery from a loss of $0.10 in 2023 [3]. - Management projects revenue to reach approximately $3.2 billion in 2025, reflecting a 25% increase from 2024 [4]. Economic Outlook - The favorable financial conditions that have supported SoFi's growth may be weakening, with concerns about the impact of tariffs on consumer and business financial outlooks [5][6]. - A recent survey indicated that 60% of U.S. CEOs anticipate a recession within the next six months, with economists estimating a 47% chance of recession this year [7]. - Consumer sentiment has declined, now lower than during the Great Recession, indicating a shift in public perception regarding economic stability [9]. Risks to Growth - The potential for an economic slowdown could adversely affect SoFi, as the company relies on new product sign-ups, borrowing, and loan repayments [8][10]. - The uncertainty surrounding tariffs and their economic implications suggests that SoFi may not replicate its previous growth in 2025, with consumers likely to reduce spending [10].

Changing loan book SoFi was founded in 2011 to help students pay for their education. This was reflected in the company's lending activities. In 2018, 2019, and 2020, SoFi originated $18.1 billion total in student loans. This was a key business driver. In early 2020, the COVID-19 pandemic hit. To ease the stress on borrowers, the Department of Education temporarily paused payments and eliminated interest. Consequently, there was less of a need for people to refinance their loans to obtain a lower interest r ...

I'd like to show how much your stake in SoFi Technologies (SOFI 1.66%) would be worth today if you'd invested in it a decade ago -- because I believe that long-term investing in great companies is arguably the best road to riches. But alas, SoFi is a young company and only started trading on the stock market in early 2021.So here's how you'd have done if you'd parked $10,000 in it roughly four years ago: Your stake would be worth about $5,029. Oops! As often happens when stocks many people are excited about ...

Markets have been unsettled at the start of 2025, with considerable uncertainty regarding President Donald Trump's economic policies and how things will unfold. The benchmark S&P 500 has experienced significant volatility in recent weeks.SoFi Technologies (SOFI 1.66%) hasn't been immune from this dramatic volatility. The company posted a strong year of growth and turned in its first full-year positive net income, but SoFi stock has fallen 31% since the turn of the new year. The fintech's valuation is signif ...