How did SOFI's Q4 earnings surprise investors?

SOFI's Q4 earnings report exceeded investor expectations with a positive EPS surprise, reflecting the company's strong financial performance and operational efficiency.

1. **EPS Surprise**: The reported EPS (Earnings Per Share) surprise was $0.01, indicating that the actual EPS was higher than what investors were anticipating.
2. **Actual EPS**: The actual EPS for Q4 2024 was $0.05, which is a notable figure considering the surprise element. This suggests that SOFI's profitability exceeded market expectations.

3. **Revenue**: SOFI generated a total revenue of $739.11 million for the quarter, which is a substantial figure that likely contributed to the positive earnings surprise. This revenue figure underscores the company's ability to generate substantial income, further supporting the notion that SOFI's performance exceeded investor expectations.

In summary, SOFI's Q4 earnings report was a positive surprise for investors, with the company reporting higher EPS and revenue than anticipated. This likely led to increased investor confidence in SOFI's financial health and future growth prospects.