SoFi Technologies (SOFI) Stock

SoFi (SOFI -2.41%) recently announced impressive earnings for the fourth quarter, but its profit forecast for 2025 let down some investors. In this video, SoFi investor and long-time Fool.com contributor Matt Frankel talks about the results and shares what he is keeping an eye on with his colleague Tyler Crowe.

SoFi Technologies has made notable progress in its fundamentals, achieving profitability in 2024, with a year-over-year revenue growth of 35.8% and a net profit margin of 45%. Although the guidance for 2025 is not very encouraging, I still have a positive outlook on SOFI because it resonates well with Millennials and has a robust digital platform. While there are risks related to its high valuation and low free cash flow, the company's profitability and growth prospects make it appealing for both aggressive and moderate investors.

SoFi Technologies announced impressive revenue results for the fourth quarter and achieved record loan originations, particularly in personal loans and new financial services. The company aims for 25% revenue growth and 30% additional EBITDA margins by 2025, prioritizing long-term growth over immediate profits. With its stock priced at $16 and a low valuation compared to its growth potential, it appears to be a good investment, with a projected 25% growth in earnings per share.

SoFi Technologies (SOFI -4.01%) had another impressive quarter, showing strong results with higher revenue and earnings per share (EPS). However, as is often the case, the market was not completely satisfied, and this time the disappointment came from the company's future guidance.

SoFi Technologies (SOFI -4.01%) has been good to its investors. Over the last year, the value of its shares has more than doubled.

SoFi Technologies (SOFI -4.01%) has just released its earnings results, which were impressive. The company exceeded the earnings predictions made by analysts and achieved its first full-year GAAP profit since it became public in 2021.

SOFI has experienced a remarkable rise since the lows of 2022, thanks to a more positive economic outlook and recent cuts in interest rates by the Fed. This has played a role in the strong performance and financial results of the fintech company, which have been boosted by better cross-selling in its integrated services. It's worth mentioning that SOFI tends to be conservative in its forecasts but gradually increases its guidance during quarterly earnings calls.

SoFi's lending operations expanded significantly more than anticipated in 2024.

Two of the most interesting fintech companies right now are SoFi Technologies (SOFI -4.01%) and Nu Holdings (NU -1.49%). Both companies are making profits and expanding rapidly, showing great potential for the future.