SOFI

2025Q4BMO

SoFi Technologies Inc. primary · FINANCIAL SERVICES · CREDIT SERVICES

Report 2026-01-30 · Fiscal end 2025-12-31 · Features as of 2026-01-29

← Earnings history

Pre-Earnings Data

Expectations & setup

Street

Consensus EPS0.11
Consensus rev—
EPS high—
EPS low—
Dispersion—
Analysts—
EPS rev net 7d—
EPS rev net 30d—
Consensus Δ 7d—
Consensus Δ 30d—

Options

Implied move3.6%
IV front—
P/C full—
P/C front—
Features as of2026-01-29

Run-up

Close—
Ret 5d-6.6%
Ret 10d-8.7%
Ret 20d-8.3%
Ret 30d-5.7%

Post-Earnings Data

Results & reaction

Print

Actual EPS
0.12Beat
Estimated EPS0.11
Actual revenue
1.3B
Surprise %+9.1%
Beat / missBeat
Beat streak 44
Beat streak 88

Reaction

1-day stock reaction-10.3%
Implied vs actual

Implied 3.6%Actual 4.4%

Gap reaction+4.4%
Day result-6.4%
Next-day upNo
Realized / IV1.21×

Post tape

Post 5d-8.5%
Post 10d-14.0%
Post volume131.7M
Vol ×10d3.01×
Vol ×20d2.65×
Post range12.4%