Even though SoFi Technologies, Inc. ( SOFI ) reported great recent Q4 earnings numbers with accelerating growth and improving margins, the stock has sold off significantly and its down 18% since myHi, I'm Yiannis. Spotting winners before they break out is what I do best.Experience: Previously worked at Deloitte and KPMG in external/internal auditing and consulting. Education: Chartered Certified Accountant, Fellow Member of ACCA Global, with BSc and MSc degrees from U.K. business schools. Investment Style: ...

Deep-pocketed investors have adopted a bullish approach towards SoFi Technologies (NASDAQ:SOFI), and it's something market players shouldn't ignore. Our tracking of public options records at Benzinga unveiled this significant move today. The identity of these investors remains unknown, but such a substantial move in SOFI usually suggests something big is about to happen.We gleaned this information from our observations today when Benzinga's options scanner highlighted 13 extraordinary options activities for ...

SoFi (SOFI) once again delivered an impressive quarterly performance in Q4. It is one of the faster-growing players in the fintech space and added a record 1 million new members during the quarter, bringing its total membership base to 13.7 million. That represents a strong 35% increase compared with the prior year. Product growth was equally solid, with SoFi adding a record 1.6 million new products, pushing total products up 37% year-over-year (YoY). This surge in members and product adoption translated ...

Core Insights - SoFi reported a record loan origination of $10.5 billion in the fourth quarter, marking its highest quarterly total ever, indicating strong growth in its lending business [1] - The company sees a multi-trillion-dollar opportunity in its lending business, focusing on personal, student, and home loans [2] Personal Loans - Personal loans accounted for approximately 71% of the loans originated in the fourth quarter, with the market size estimated between $100 billion and $200 billion [3] - The CEO highlighted a significant opportunity in addressing nearly $1 trillion of prime revolving credit card debt that could be refinanced at lower rates [4] Student Loans - SoFi's student loan volume has more than doubled since 2023, driven by the end of the federal student loan payment pause, primarily through refinancing [4] - A potential 25% increase in the addressable market opportunity of $400 billion is anticipated if interest rates decrease by 50 basis points [4] Home Loans - Home loan volume grew by 95% year-over-year in the fourth quarter, reaching an annualized pace of about $4.5 billion [5] - The U.S. homebuyer market typically involves several trillion dollars in purchase mortgages, with additional potential in home equity and refinancing loans as interest rates decline [5][6] - SoFi aims to cross-sell refinancing loans to its existing members, noting that about 90% of its members with home loans have them with other institutions, positioning the company favorably as rates decrease [6]

Core Insights - SoFi Technologies reported stronger-than-expected earnings for its fourth fiscal quarter, driven by rapid expansion in the Financial Services segment and positive trends in customer growth [1] Financial Performance - The company added more than one million new customers during the quarter, indicating significant growth in its user base [1]

SoFi Technologies, Inc. (NASDAQ:SOFI) shares are down during premarket trading on Monday following a recent pullback after the company reported stronger-than-expected fourth-quarter results on Friday.SoFi Earnings Beat With Sharp Revenue RiseThe company posted earnings of 13 cents per share, slightly above the 12 cents consensus estimate, while revenue climbed sharply, rising $273.72 million from the same quarter a year ago. Looking ahead, SoFi expects to grow total members by at least 30% year-over-year an ...

Despite recent strong Q4 earnings, SoFi Technologies ( SOFI ) is still down by almost 10% since my previous cautious call . I still prefer to hold my existing SOFI position because I believe inI am a highly experienced Chief Financial Officer (CFO) with a strong background in the oilfield and real estate industries. With over a decade of experience in finance, I have led numerous complex due diligence efforts and M&A transactions, both domestically and internationally.In recent years, I have developed a kee ...

Core Insights - SoFi Technologies reported a significant increase in profitability and revenue, achieving over $1 billion in adjusted net revenue for the first time, driven by steady loan activity and growth in fee-based operations [1][2][8] Financial Performance - Adjusted net revenue reached approximately $1.013 billion, a 37% increase year-over-year [2] - Adjusted earnings per share doubled to 13 cents from 5 cents a year ago, with GAAP net income at $174 million [5] - Adjusted EBITDA rose 60% to $318 million, achieving a 31% margin, marking the ninth consecutive profitable quarter [5] Revenue Segments - Fee-based revenue surged 53% year-over-year to a record $443 million, contributing significantly to overall revenue [2][3] - The Financial Services segment, including credit cards and investing products, saw revenue increase by 78% to about $457 million [3] - Total loan originations reached a record $10.5 billion, up 46% from the previous year, with strong demand for personal, student, and home loans [4] User Growth and Engagement - SoFi added 1 million new members in the quarter, bringing the total to 13.7 million, a 35% year-over-year increase [6] - Product relationships expanded 37% to 20.2 million, with a cross-buy rate of 40%, indicating increased customer engagement [6] Strategic Outlook - The company projects at least 30% annual revenue growth through 2028, supported by innovation in payments, crypto, and business banking [8] - CEO Anthony Noto highlighted the resilience provided by fee-based growth amid potential regulatory changes [7]

Core Insights - SoFi Technologies Inc. reported a strong quarter with earnings per share (EPS) of 13 cents, exceeding expectations of 11 cents by 18% and showing a 160% year-over-year improvement [2][3] - The company achieved a record quarterly revenue of $1.01 billion, marking the first time it reached this milestone, and reflecting a 36% year-over-year increase, partly due to the addition of 1 million new customers [3][4] - SoFi's tangible book value grew to $8.9 billion, an increase of $1.7 billion quarter-over-quarter, with a return on tangible common equity of 9.0%, indicating strengthening fundamentals [3] Financial Performance - The adjusted EBITDA reached a record $318 million, representing a 31% margin, an increase from the 29% margin in Q4 2024, demonstrating efficient scaling and sustained profitability over nine consecutive quarters [5] - Fee-based revenue and improved cross-buy trends are enhancing the business model and reducing reliance on balance-sheet growth, indicating a shift towards a more sustainable revenue generation strategy [7] Innovation and Growth - SoFi has evolved from a student loan provider to a diversified digital financial services platform, distinguishing itself in the financial sector [4] - The launch of SoFiUSD, a stablecoin on a public blockchain, positions the company at the intersection of traditional banking and digital assets, showcasing its innovative capabilities [6] - The introduction of the SoFi Smart Card highlights the company's commitment to delivering unique value propositions that assist members in building credit while earning rewards [6]

The era of Federal Reserve Chairman Jerome Powell is winding down, and SoFi (SOFI) CEO Anthony Noto says the results are essentially a wash — marked by a series of historic stumbles salvaged by a remarkably resilient US economy. "It's not always the path of how [to] get there, it's what the outcome is," Noto told Yahoo Finance, reflecting on a tenure rocked by unprecedented volatility and the COVID-19 pandemic. "People can poke holes on the margin about inflation and having to act sooner ... but [we've ...