SoFi Faces Pivotal Q4 Report as Shares Slide From Recent Highs

Investors are using the upcoming results to assess the durability of SoFi’s pivot to fee‑driven, capital‑light growth.

Overview

SoFi is scheduled to report fourth-quarter results on Jan. 30, with attention heightened after four consecutive quarterly beats.
The stock has dropped more than 21% from a recent peak ahead of the earnings release.
Management has emphasized expanding capital-light, fee-based businesses to lessen reliance on interest-rate-sensitive lending.
In the third quarter, financial services and technology platform revenue reached $534 million, up 57% year over year and accounting for more than half of total revenue.
Q3 fee income rose 50% to $409 million, supported by growth across loan platform fees, origination and referral fees, brokerage, and interchange.