How does SOFI's earnings surprise affect its stock?

SOFI's earnings beat expectations have historically led to positive short-to-medium-term gains, but with varying performance metrics:

1. **Short-Term Impact**:
- The 3-day win rate is 50%, indicating that half of the time, the stock price increases within 3 days after the earnings release.
- The average 3-day return is -2.46%, suggesting that while there’s an equal chance of the stock price going up, it tends to decline slightly in the immediate aftermath.
2. **Medium-Term Impact**:
- The 10-day win rate is 40%, reflecting a lower probability of price appreciation compared to the short term.
- The average 10-day return is -4.02%, indicating a greater likelihood of the stock price falling in the week following the earnings release.
3. **Long-Term Impact**:
- The 30-day win rate is 40%, showing that about two-fifths of the time, the stock price will rise within 30 days after the earnings release.
- The average 30-day return is -1.81%, suggesting a slight decline in the stock price over the longer term.
4. **Maximum Return**: The stock has experienced a maximum return of 6.97% within 30 days of an earnings beat, indicating that while the gains are modest, there is potential for positive movement in the price.

In conclusion, SOFI's earnings beat expectations can lead to short-to-medium-term gains, but the returns are generally modest, and there’s a higher likelihood of the stock price falling in the immediate aftermath of the release. Investors should consider these factors and their risk tolerance before making investment decisions based on earnings events.