It’s happening right now…
A turning point that the former CEO of Google says is:
“The most important thing that’s going to happen in about 500 years – maybe 1,000 years of human society – and it’s happening in our lifetime.”
Yet very few are fully warning you of what’s coming.
Instead you’re kept distracted by the inane trivialities of “bread and circuses” while the very fabric of our lives erodes beneath our feet.
As one former U.S. Treasury Secretary says:
“When your great-grandchild writes the history of this period, my guess is that stuff about Donald Trump and Xi will be the second or third story.”
The first story they write about?
You and I have never seen anything like it before…
The dot-com collapse, global financial crisis, COVID-19 pandemic… nothing we’ve seen in our lifetime holds a candle to what’s coming next.
In short, I believe we are about to be plunged into a period of dramatic, almost unimaginable change.
And you need to be ready, or risk being left behind.
Porter Stansberry
SoFi Proves the Bears Wrong Again With a Record Quarter
Submitted by Chris Markoch. Posted: 1/30/2026.
Key Takeaways
- SoFi topped expectations with EPS of 13 cents and record revenue of $1.01B, reinforcing operating momentum.
- Fee-based revenue and stronger cross-buy trends are scaling the model and reducing reliance on balance-sheet growth.
- Guidance points to continued strength, but the bar is higher now, making flawless execution more important.
SoFi Technologies Inc. (NASDAQ: SOFI) surged more than 5% in pre-market trading after delivering another strong quarter. Earnings per share (EPS) of $0.13 beat expectations of $0.11 by about 18% and marked a 160% year-over-year (YOY) improvement.
The headline, however, was revenue. SoFi reported quarterly revenue of $1.01 billion — the first time the company has crossed the billion-dollar mark. Revenue climbed 36% YOY, helped in part by adding 1 million new customers during the quarter.
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Watch the video to get the ticker nowTangible book value rose to $8.9 billion, up $1.7 billion quarter-over-quarter, while return on tangible common equity reached 9.0%. Those figures suggest the fundamental case for SoFi is strengthening even as some skeptics question valuation.
The primary takeaway from SoFi's earnings report is simple: earnings matter. SoFi continues to produce results that please shareholders and confound critics.
SoFi's Growth Story Keeps Getting Better
SoFi has evolved from a student loan provider into a diversified digital financial-services platform — a transformation that helps it stand out among other financial sector stocks. What's particularly impressive is the quality of growth across multiple dimensions.
Adjusted EBITDA reached a record $318 million, representing a 31% margin, up from 29% in Q4 2024. That margin expansion demonstrates SoFi's ability to scale efficiently while maintaining profitability — a streak the company has sustained for nine consecutive quarters.
Continuous innovation has been a key driver. In 2025, SoFi rolled out initiatives such as SoFi Pay, expanded crypto trading, and launched the SoFiUSD stablecoin.
By issuing SoFiUSD, SoFi became the first national bank to issue a stablecoin on a public, permissionless blockchain — positioning the company at the intersection of traditional banking and digital assets. Meanwhile, the SoFi Smart Card launch highlighted the firm's ability to deliver unique products that help members build credit while earning rewards.
SoFi's Flywheel Continues to Fuel Growth
The diversification strategy is paying off. Fee-based revenue reached $443 million for the quarter, up 53% YOY and now representing 44% of adjusted net revenue. That shift toward capital-light revenue streams reduces reliance on interest-rate-sensitive lending income — a welcome sign for long-term investors.
SoFi's "Financial Services Productivity Loop" continues to show traction. Cross-buy rose to 40% in Q4, a 7% YOY increase, indicating members are taking multiple products rather than signing up for just one.
The flywheel effect also shows up in volume metrics: record loan originations of $10.5 billion and deposit growth of $4.6 billion, bringing total deposits to nearly $38 billion.
Credit quality remained solid as well, with personal loan net charge-offs of 2.80% — down 57 basis points year-over-year. That performance is notable given the challenging macroeconomic backdrop and reflects disciplined underwriting.
The Bar Will Get Raised Again
One area where bulls should be cautious is next year's revenue and earnings outlook: the easy comps are behind SoFi. Management's guidance for fiscal 2026 calls for adjusted net revenue of about $4.655 billion (roughly 30% YOY growth) and adjusted EBITDA of around $1.6 billion, implying a 34% margin.
Delivering quarterly revenue above $1 billion will now be expected rather than exceptional. Management also projects net income of approximately $825 million for 2026 (a 72% increase) and diluted EPS near $0.60.
Those are ambitious targets that will require near-flawless execution. Still, SoFi's track record of consistently exceeding the "Rule of 40" — averaging a score of 58% over four years — suggests the company has the operational chops to pursue them.
SOFI's Earnings Spark a Potential Trend Reversal
Before the report, SOFI stock was down 6.9% year-to-date in 2026 and more than 16% below its all-time high in November 2025. The sell-off had already shown signs of waning momentum, and the earnings report could confirm a bullish reversal.
Investors will be watching how analysts update their views. The post-earnings pop briefly pushed SOFI above the consensus price target of $25.50, though early trading later pared those gains amid broader market weakness.
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