Is SoFi Stock a Buy, Hold, or Sell After Impressive Q4 Earnings?

Key Takeaways SOFI posted Q4 adjusted EPS of $0.13 and quarterly net revenues above $1B, beating consensus estimates.SOFI's adjusted EBITDA hit $317.6M, margins topped 30%, and adjusted net income jumped 184%.SOFI members grew 35% to 13.7M. It saw 53% fee-based revenue growth and record loan originations of $10.5B.SoFi Technologies, Inc.’s (SOFI) fourth-quarter 2025 results were undeniably strong, yet the stock’s response told a more complicated story. Despite earnings and revenue beating expectations, shar ...