SoFi Stock Is Underperforming in 2026: Can Q4 Earnings Turn the Tide?

SoFi stock (SOFI), which rose 70% last year and has outperformed markets for the last three consecutive years, is slightly underperforming the S&P 500 Index ($SPX) this year. The stock has lost 1.4% over the previous three months and trades nearly 20% below its all-time high, which it reached in mid-November. The fintech giant is set to release its Q4 2025 earnings on Jan. 30. Let's explore whether the confessional would help turn the tide for SoFi, which is among the rare success stories in the former s ...