Monday - January 27, 2025 Today is special for investors as three major companies; AT&T (NYSE:T), Brown & Brown (NYSE:BRO) and SoFi technology (NASDAQ:SOFI) will report their earnings. And here's an overview of what to expect from the companies:

• AT&T (NYSE:T):

AT&T is predicted to grow nearly flat, and its mobility and fiber segments are anticipated to grow marginally, and analysts predict the telecom giant would see its wireless and broadband segments to grow steadily.

• Warning! GuruFocus has detected 7 Warning Signs with T.

Revenue is expected to be $32.29 billion, 0.8% higher over the past year. Meanwhile, EPS is expected to be $0.48 or decline 11.1%. The cost-cutting measures are predicted to not enough to increase profitability.

Tailwinds:

The industry is seeing growth in 5G and fiber internet adoption, the ARPU (average revenue per user) is also higher due to bundling services.

Headwinds:

The competitive pressure in telecommunication industry is growing especially from T-Mobile and Verizon that apply cheaper packages. The 5G infrastructure deployment would require high capital expenditure.

• Brown & Brown (NYSE:BRO):

The insurance brokerage is expected to report solid earnings result. Analysts project higher revenue of 8.2% growth in line with higher premium price in property and casualty (P&C) insurance, revenue is expected to be around $1.11 billion and earnings to be at $0.76 per share or 31% higherfrom previous year.

Tailwinds:

Despite economic challenges, insurance industry is resilient with favorable pricing in P&C insurance premium. Continued growth in M&A activity within the insurance brokerage industry also helps Brown & Brown

Headwinds:

Costs would go higher as higher potential of catastrophic events. There's also competition from larger brokers and online insurance platforms.

• SoFi Technologies (NASDAQ:SOFI):

Membership and product adoption is expected to continue the massive growth, particularly in personal loans. SoFi is expanding its product offering to cater the growing member base and help increase revenue streams. Lending and financial services will continue to deliver double digit growth in revenue, and margins are expected to improve.

Tailwinds:

Users are growing in number as federal student loan repayments resuming. SoFi has become the top of mind among young generations related to digital financial services that are reachable for them.

Headwinds:

Changing in interest rates affecting SoFi in cost. Competition pressure comes as more financial institution offer digital banking services too. The company is still focused on scaling, so it's hard for shareholders to hope for profitability.

This article first appeared on GuruFocus.