Quick Take:
- SOFI stock jumps 12% ahead of Q1 2025 earnings.
- Analysts forecast major revenue growth.
- Investor excitement builds amid positive fintech sector momentum.
SoFi Shares Rocket Higher as Investors Anticipate Strong Earnings
In a thrilling session for fintech investors, SoFi Technologies, Inc. (NASDAQ: SOFI) surged 12% on April 28, 2025, as market participants gear up for the company’s highly anticipated Q1 earnings release scheduled for tomorrow, April 29.
The sharp rise reflects growing optimism that SoFi will exceed Wall Street expectations for the first quarter of 2025, fueled by strong member growth, improving lending margins, and expansion into new financial services.
Wall Street Expectations for SoFi’s Q1 2025 Earnings
Analysts are projecting:
- Revenue: Estimated at $645 million, up from $472 million year-over-year.
- Earnings Per Share (EPS): Expected to flip to positive territory for the second consecutive quarter, with a forecast of $0.04 EPS.
- Membership Growth: Analysts predict member growth exceeding 6 million total users.
Bank of America analysts recently upgraded SOFI to a “Buy” rating, citing “robust monetization of SoFi Bank” and better-than-expected loan portfolio performance.
Why Investors Are Bullish on SoFi Now
Several catalysts have combined to spark renewed bullish sentiment:
- SoFi Bank’s profitability: SoFi’s national bank charter has helped cut funding costs dramatically.
- New Product Expansion: Rollouts in investing tools, insurance, and business banking have diversified revenue.
- AI-Driven Financial Products: SoFi’s move into AI-driven credit scoring and personal finance tools is attracting tech-savvy millennials and Gen Z customers.
“SoFi is not just surviving — it’s thriving in an environment where fintechs are under pressure,” said analyst Jessica Lowry at Morgan Stanley.
Market Reaction and Broader Fintech Sentiment
SOFI’s 12% rally came alongside broader strength in the fintech sector, with names like Affirm and Robinhood also climbing. Many investors see SoFi’s upcoming earnings as a barometer for the health of consumer finance innovation in a high-rate environment.
Volume surged during Monday’s trading session, suggesting that both institutional investors and retail traders are positioning for a significant Q1 beat.
Key Date to Watch: April 29, 2025
All eyes are now on SoFi’s Q1 2025 earnings call scheduled for April 29 at 8:00 AM EST. Management’s commentary on loan growth, deposit inflows, and new product initiatives could set the tone for the stock’s trajectory in the second half of 2025.
If results come in better than expected, analysts believe SOFI could re-test its 2024 highs within weeks.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Always conduct your own research before making investment decisions.
Alma Sarah is a freelance writer and marketing consultant. Alma specializes in content marketing, SEM, SEO and social media strategy. When she’s not writing, Alma enjoys hanging out with friends, cooking, and spending time with her family.
