Shares of SoFi Technologies (SOFI) fell sharply intraday Monday after the digital financial services company guided 2025 earnings below analysts' views despite surpassing them in the fourth quarter.

Management expects GAAP earnings per share to range between $0.25 and $0.27 this year, which implies a year-over-year decline from $0.39 reported for 2024. Analysts surveyed by FactSet are projecting GAAP EPS of $0.28 in the ongoing year.

Shares of SoFi were down 10% intraday. The broader tech market also declined on Monday amid concerns about artificial intelligence competition from Chinese startup DeepSeek.

SoFi guided 2025 revenue in the $3.2 billion to $3.28 billion range, which suggests growth of about 23% to 26% year over year. The FactSet consensus is for revenue of $3.02 billion.

"After a year of bolstering our capital base, reaching GAAP profitability, as well as the scale required to drive continued profitability, we want to better tilt our incremental revenue growth toward investment," Chief Financial Officer Chris Lapointe told analysts on a conference call, according to a FactSet transcript. "We have significant untapped addressable markets in front of us, and we have proven that the more we invest, the more we produce durable growth and strong returns."

For the fourth quarter, adjusted EPS climbed to $0.05 from $0.02 a year earlier, beating five analysts' mean estimate by a penny. Non-GAAP revenue rose 24% to $739.1 million, topping the $674.6 expected view.

Growth was led by the company's financial services division, which recorded 84% expansion on the top line to $256.5 million, fueled by a 47% increase in net interest income and a 220% gain in noninterest income. Technology platform revenue rose to $102.8 million from $96.9 million year to year.

The company added a record 1.1 million of new products in the fourth quarter.

"Financial Services products drove over 89% of our total product growth," Chief Executive Anthony Noto said on the call. "This reflects the deliberate diversification of our business towards more capital-light, fee-based revenue sources, which we expect to continue in 2025."