Looking forward, SoFi expects its Q1 sales to be between $725 and $745 million, and earnings of around $0.03 per share. For the full-year 2025, the company expects sales to be over $3.2 billion and earnings to be between $0.25 and $0.27 per share. This implies at least 23% y-o-y top-line growth.

SoFi Technologies reported quarterly earnings and revenue above analysts’ estimates, with CEO Anthony Noto deeming 2024 the fintech’s “best year ever.” However, shares tumbled 11% to $15.94 in premarket trading as guidance from the company seemed to overshadow quarterly results.

SoFi Technologies pointed to "macro assumptions" in giving weaker-than-expected quarterly and full-year guidance.

SoFi stock ended up as a top performer last year, and it's not so cheap at the current price. It trades at a forward one-year P/E ratio of 40 and a price-to-book ratio of nearly 3. If it continues to demonstrate robust growth, it could justify that premium and keep gaining even in the near term.

SoFi Technologies beats Q4 estimates, but misses EPS guidance for FY 2025. Read on to find out why SoFi remains a top growth play in the fintech market for FY 2025.