Should You Buy SoFi Stock Before Jan. 30?

• SoFi is adding grounds customers and reporting accelerating growth.

• The company's show has beaten Wall Street's EPS expectations for the past 4 quarters.

• SoFi has fantabulous semipermanent prospects.

• 10 stocks we similar amended than SoFi Technologies ›

SoFi Technologies (NASDAQ: SOFI) has been a standout banal to own, up much than 355% implicit the past 3 years. Like astir stocks, there's mostly short-term question that comes on the heels of its net reports, and that question could spell either way.

SoFi reports 2025 fourth-quarter and full-year results connected Jan. 30. Should you bargain the banal beforehand?

SoFi was 1 of the earlier integer banks, and it has evolved from a pupil indebtedness institution into a implicit fiscal absorption app. This strategy, which hinges connected cross-selling caller products to customers arsenic their needs change, is starring to higher engagement and sales, and it implies a agelong maturation runway.

Not lone is the institution growing, but it's accelerating arsenic it scales. It onboarded grounds caller customers for the past 3 quarters, breaking the erstwhile grounds each time, and adjusted nett gross accrued 38% twelvemonth implicit twelvemonth successful the 2025 3rd quarter. All of its segments, which see lending, fiscal services, and the business-to-business tech platform, are increasing by treble digits. It's surely benefiting from little involvement rates successful the lending business, but the fiscal services segment, which is the non-lending business, is flying, with income up 76% twelvemonth implicit twelvemonth successful the quarter. All of this maturation is starring to precocious profitability done scale, and with nary carnal storefronts that necessitate costly existent estate, it's managing costs efficiently.

It's hard to judge SoFi won't study beardown net connected Jan. 30, but the marketplace tin beryllium brutal depending connected its expectations. Wall Street is expecting $0.11 successful fourth-quarter net per stock (EPS) and $0.36 for the afloat year. If it reports maturation but doesn't conscionable expectations, the banal could drop.

There could beryllium different reasons it drops, too, including management's guidance oregon different actions the marketplace mightiness not like, specified arsenic an acquisition oregon a divestiture.

SoFi has beaten EPS expectations for the past 4 quarters, and the marketplace has reacted positively to its caller updates astir merchandise innovation. So the likelihood are successful the stock's favor.

However, short-term movements shouldn't beryllium each that important. More important are the semipermanent prospects. So if you bargain contiguous and the banal ends up going down, don't fret; the likelihood is that SoFi banal gains again successful 2026, and it could beryllium an fantabulous banal to ain for the agelong term.