Crossroads
SoFi Earnings Predictions | Fintech Friday
10/24/2025, 9:52:50 PM
Economic Summary
- SoFi (SOFI) is expected to report near one million new members this quarter, which would materially support top-line growth and investor momentum ahead of earnings.
- Analysts and hosts expect revenue growth around ~40% year-over-year for SoFi, and crossing the 40% threshold is seen as an important psychological and valuation catalyst.
- Macro events (the upcoming FOMC decision and an anticipated Trump-Xi meeting) present tail risks and catalysts; expected rate cuts could draw demand forward and benefit lending volumes for fintechs like SOFI.
- Industry-level strength in lending/fintech (mentions of LendingClub) is reinforcing positive sentiment for fintech peers and may lift related stocks if results continue beating.
Bullish
- SoFi likely to report ~1M new members, driving revenue and momentum.
- Revenue growth near ~40% YoY would be a psychological positive.
- Positive lending/fintech sector prints (e.g., LendingClub) support broader fintech strength.
- Rate cut expectations or favorable macro could accelerate demand and margins.
Bearish
- SoFi has negative free cash flow and dilution concerns from recent equity raises.
- If Sensor Tower download estimates are wrong, member/revenue forecasts could be overstated.
- Macro events (FOMC, geopolitical meetings) could dent sentiment and trigger profit-taking.
- Conservative guidance culture could limit upside surprises despite growth.
Bullish tickers
SOFILCPYPL
Bearish tickers
SOFIIONQ
SOFI
8 price targets
3331.533.014519.2330.7231.5127
Bullish
High member growth, ~40% revenue growth expected, momentum and sector tailwinds could drive the stock higher.
Bearish
Negative free cash flow, dilution from the equity raise, and risk that member/download data is overstated.
LC
Bullish
LendingClub cited as having strong results, supporting positive sentiment for fintech lending names.
PYPL
Bullish
Upcoming reporting cadence mentioned; referenced as part of broader fintech/earnings narrative.
IONQ
Bearish
Speakers expressed skepticism about small quantum companies outperforming large incumbents like Alphabet or IBM.
IBM
Bullish
Mentioned as a major incumbent with deep quantum research resources compared to smaller players.
GOOGL
Bullish
Referenced (Alphabet) as a large player with significant resources for quantum computing R&D.
VZ
Bullish
Mentioned briefly as a name that one host likes; not central to discussion.
People mentioned
Anthony NotoSteveTannerTevisChrisRoyJoshDebbieKyle O'NeillDon ManleyChef PaulMikey MusumeciDevin RyanAmitDonald TrumpXi Jinping