SoFi Shares Drop 15% Premarket as 2025 Outlook Disappoints Despite Q4 Beat

GuruFocus.com

01-27

SoFi Technologies (NASDAQ:SOFI) shares fell 15.01% in premarket trading Monday, dropping $2.69 to $15.23 as of 08:20:03 ET, after the company's Q1 and 2025 earnings guidance missed Wall Street estimates, despite reporting a Q4 beat when adjusted for non-recurring items.

For 2025, SoFi projects GAAP EPS of $0.25-$0.27 (midpoint $0.26, below the $0.29 consensus) and adjusted net revenue of $3.20B-$3.275B (vs. $3.05B expected). Adjusted EBITDA is expected to rise to $845M-$865M, trailing the Visible Alpha consensus of $913.5M. For Q1, the company forecasts GAAP EPS of $0.03, below the $0.06 consensus, while adjusted net revenue of $725M-$745M surpasses the $707.5M estimate.

Warning! GuruFocus has detected 7 Warning Signs with SOFI.

Despite the weak outlook, CEO Anthony Noto highlighted SoFi's first full year of GAAP profitability, with Q4 GAAP EPS of $0.29 rising from $0.05 in Q3. SoFi's Q4 adjusted net revenue of $739.1M topped estimates, fueled by loan origination growth, including a 63% jump in personal loans and 71% rise in student loans.

This article first appeared on GuruFocus.

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SoFi's Q4 adjusted net revenue of $739.1M topped estimates, fueled by loan origination growth, including a 63% jump in personal loans and 71% rise in student loans.</span></p>This article first appeared on \nGuruFocus.\n<br/></body></html>","source":"yahoofinance","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta content=\"text/html; charset=utf-8\" http-equiv=\"Content-Type\"/>\n<meta content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\" name=\"viewport\"/>\n<meta content=\"telephone=no,email=no,address=no\" name=\"format-detection\"/>\n<title>SoFi Shares Drop 15% Premarket as 2025 Outlook Disappoints Despite Q4 Beat</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSoFi Shares Drop 15% Premarket as 2025 Outlook Disappoints Despite Q4 Beat\n</h2>\n<h4 class=\"meta\">\n</h4><p class=\"head\">\n<strong class=\"h-name small\">GuruFocus.com</strong><span class=\"h-time small\">2025-01-27 21:24</span>\n</p>\n</header>\n<article>\n<p><span>SoFi Technologies (NASDAQ:SOFI) shares fell 15.01% in premarket trading Monday, dropping $2.69 to $15.23 as of 08:20:03 ET, after the company's Q1 and 2025 earnings guidance missed Wall Street estimates, despite reporting a Q4 beat when adjusted for non-recurring items. </span></p>\n<p><span>For 2025, SoFi </span><span>projects GAAP EPS of $0.25-$0.27</span><span> (midpoint $0.26, below the $0.29 consensus) and adjusted net revenue of $3.20B-$3.275B (vs. $3.05B expected). Adjusted EBITDA is expected to rise to $845M-$865M, trailing the Visible Alpha consensus of $913.5M. For Q1, the company forecasts GAAP EPS of $0.03, below the $0.06 consensus, while adjusted net revenue of $725M-$745M surpasses the $707.5M estimate.</span></p>\n<ul>\n<li>Warning! GuruFocus has detected 7 Warning Signs with SOFI.</li>\n</ul>\n<p><span> Despite the weak outlook, CEO Anthony Noto highlighted SoFi's first full year of GAAP profitability, with Q4 GAAP EPS of $0.29 rising from $0.05 in Q3. SoFi's Q4 adjusted net revenue of $739.1M topped estimates, fueled by loan origination growth, including a 63% jump in personal loans and 71% rise in student loans.</span></p>This article first appeared on \nGuruFocus.\n<br/>\n<div class=\"bt-text\">\n<p> 來源：<a href=\"https://finance.yahoo.com/news/sofi-shares-drop-15-premarket-132412738.html\">GuruFocus.com</a></p>\n<p>為提升您的閱讀體驗，我們對本頁面進行了排版優化</p>\n</div>\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4551","symbol_name":"寇圖資本持倉","start_time":0,"source_url":"https://finance.yahoo.com/news/sofi-shares-drop-15-premarket-132412738.html","article_id":"2506890370","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2506890370","pubTimestamp":1737984252,"columns":[],"sourceInfo":{"source_id":"yahoofinance","name":"雅虎金融"},"weMediaInfo":null,"summary":"SoFi Technologies  shares fell 15.01% in premarket trading Monday, dropping $2.69 to $15.23 as of 08:20:03 ET, after the company's Q1 and 2025 earnings guidance missed Wall Street estimates, despite reporting a Q4 beat when adjusted for non-recurring items.For 2025, SoFi projects GAAP EPS of $0.25-$0.27  and adjusted net revenue of $3.20B-$3.275B . Adjusted EBITDA is expected to rise to $845M-$865M, trailing the Visible Alpha consensus of $913.5M. For Q1, the company forecasts GAAP EPS of $0.03, below the $0.06 consensus, while adjusted net revenue of $725M-$745M surpasses the $707.5M estimate.GuruFocus has detected 7 Warning Signs with SOFI.Despite the weak outlook, CEO Anthony Noto highlighted SoFi's first full year of GAAP profitability, with Q4 GAAP EPS of $0.29 rising from $0.05 in Q3. SoFi's Q4 adjusted net revenue of $739.1M topped estimates, fueled by loan origination growth, including a 63% jump in personal loans and 71% rise in student loans.This article first appeared on","collect":0,"end_time":0,"defaultTopTitle":"yahoo.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4551":"寇图资本持仓","BK4535":"淡马锡持仓","SOFI":"SoFi Technologies Inc.","BK4166":"消费信贷","BK4549":"软银资本持仓"},"translate_title":"尽管第四季度表现出色，但2025年前景令人失望，SoFi股价盘前下跌15%","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"SOFI":0.9},"content_text":"SoFi Technologies (NASDAQ:SOFI) shares fell 15.01% in premarket trading Monday, dropping $2.69 to $15.23 as of 08:20:03 ET, after the company's Q1 and 2025 earnings guidance missed Wall Street estimates, despite reporting a Q4 beat when adjusted for non-recurring items. \nFor 2025, SoFi projects GAAP EPS of $0.25-$0.27 (midpoint $0.26, below the $0.29 consensus) and adjusted net revenue of $3.20B-$3.275B (vs. $3.05B expected). Adjusted EBITDA is expected to rise to $845M-$865M, trailing the Visible Alpha consensus of $913.5M. For Q1, the company forecasts GAAP EPS of $0.03, below the $0.06 consensus, while adjusted net revenue of $725M-$745M surpasses the $707.5M estimate.\n\nWarning! GuruFocus has detected 7 Warning Signs with SOFI.\n\n Despite the weak outlook, CEO Anthony Noto highlighted SoFi's first full year of GAAP profitability, with Q4 GAAP EPS of $0.29 rising from $0.05 in Q3. SoFi's Q4 adjusted net revenue of $739.1M topped estimates, fueled by loan origination growth, including a 63% jump in personal loans and 71% rise in student loans.This article first appeared on \nGuruFocus.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0}}}