What's Next for SoFi Technologies? Mark Jan. 26 If You're Interested in This Fintech Stock

A Hot Performer Takes a Pause

SoFi Technologies (NASDAQ: SOFI) has been one of the standout performers in the tech sector lately. The stock has surged 70% this year alone—as of mid-December—and over the past three years, it’s climbed a remarkable 465%. However, the rally has cooled recently, with shares trading roughly 18% below their all-time highs. For those interested in understanding the company’s trajectory, the next major catalyst is coming soon.

When to Watch: The Q4 Earnings Report

The fintech company is set to report its fourth-quarter 2025 financial results on January 26. This is a date worth circling on your calendar, as it will provide key insights into how the business performed over the final three months of the year. During the earnings call that typically follows the report, management will discuss quarterly developments and share forward-looking guidance.

A Track Record Worth Noting

What makes SoFi’s earnings announcements particularly noteworthy is its consistent outperformance. The company has beaten Wall Street’s earnings-per-share expectations for 13 consecutive quarters. This streak suggests management tends to guide conservatively, consistently delivering better-than-expected results—a positive signal for investors.

What to Look For When Numbers Drop

When the Q4 results are released, several metrics will matter most:

Customer Growth: Investors will be watching whether SoFi continues to attract new customers. Strong user additions indicate the company’s products and services remain competitive and appealing in a crowded fintech market.

Revenue Expansion: Look for sustained growth in loan originations and fee-based revenue streams. These represent the backbone of SoFi’s business model.

Profitability Trajectory: SoFi has recently transitioned to consistent profitability, and what really matters now is whether net income accelerates on a year-over-year basis. Significant growth here would demonstrate the business model’s scalability—showing that revenue growth is translating into bottom-line profits.

The Bigger Picture

For those interested in fintech as an investment category, SoFi’s next earnings report offers a window into how a maturing fintech player is performing amid evolving market conditions. The convergence of strong past performance, a streak of beating expectations, and the company’s shift toward sustained profitability creates a compelling reason to pay attention when January 26 arrives.