Shares of SoFi Technologies (SOFI) plunged 10% Monday as the digital financial firm gave lower-than-expected guidance based on "macro assumptions" about the future.

The provider of student loans and other banking services expects current-quarter earnings per share (EPS) of $0.03, and 2025 EPS between $0.25 and $0.27. Analysts surveyed by Visible Alpha were looking for first-quarter EPS of $0.05 and full-year EPS of $0.28.

The news offset better-than-expected fourth-quarter results. SoFi reported EPS of $0.29, with revenue rising 19% year-over-year to $734 million. Both comfortably exceeded Visible Alpha forecasts. 

Revenue at the Financial Services unit skyrocketed 84% to $256.5 million, as the company expanded its product offerings by 34%. Technology Platform division revenue added 6% to $102.8 million, while revenue at the Lending segment grew 18% to $417.8 million, as origination revenue increased 66%.

CEO Anthony Noto called 2024 "SoFi's best year ever," and pointed to the performance of the Financial Services and Tech Platform segments, which made up a record 49% of the company's revenue.

SoFi Technologies shares finished last week at their highest level since the fall of 2021. Despite today's drop, they have more than doubled their value in the past year.