What is earnings prediction for SOFI

The deep research logic is organized as follows: 

Okay, let's tackle the user's question about SoFi Technologies' earnings predictions. First, I need to check the provided references and background information. The user is asking specifically about earnings predictions for SOFI, so I should focus on the data related to their upcoming earnings reports.

Looking at the references, there are several articles and data points mentioning SOFI's earnings estimates. For example, Reference 1 provides an estimate for EPS of $0.04 and revenue of $740.33 million as of March 31, 2025. However, the user is asking about the current time, which is July 27, 2025. So, I need to find the most recent estimates around this date.

References 2, 3, 4, 7, and 14 mention the upcoming earnings release on July 29, 2025. These sources provide estimates for Q2 2025. The consensus EPS estimate is around $0.06 per share, which is a 500% YoY increase. The revenue estimates vary slightly between $801.94 million to $805.44 million, showing a 34.53% to 34.92% YoY growth. 

I should also consider the historical earnings surprise track record from Reference 23. SOFI has beaten estimates in four out of the last five quarters, which is a positive sign. However, the user's profile mentions they're interested in option strategies and short-term trading, so the near-term catalysts like the upcoming earnings report are crucial.

The user is likely looking for the most accurate and recent data to make informed decisions. I need to compile the latest estimates, highlight the YoY growth, and mention the consensus from analysts. Also, including the price target and Zacks Rank from the references would add depth to the analysis.

I should structure the answer with a clear conclusion first, followed by detailed analysis. Using tables to present the data will make it easier to digest. Also, since the user prefers technical analysis, mentioning the stock's recent performance and analyst ratings could be relevant.

Wait, the user's question is about earnings predictions, so I should focus on the financial metrics rather than technical indicators. However, including the stock's recent price movement and analyst sentiment might provide context. The user's profile mentions interest in option strategies, so maybe touching on volatility or price targets could be useful.

I need to ensure all data points are correctly cited using the reference numbers. For example, the EPS and revenue estimates from References 2, 3, 4, 7, and 14. Also, the historical earnings surprise data from Reference 23. The Zacks Rank and price targets from References 2, 4, 5, and 25.

Putting it all together, the answer should start with a conclusion summarizing the key points, then break down the analysis into sections like consensus estimates, historical performance, and market context. Using tables to present the data clearly and citing each source appropriately. Also, include the visualization as per the user's instructions, placing it immediately after the relevant paragraph.

### **Conclusion**
**SoFi Technologies (SOFI)** is **expected to report strong earnings growth** in its upcoming Q2 2025 release on July 29, 2025. Analysts project **EPS of $0.06** (500% YoY growth) and **revenue of $805.44 million** (34.92% YoY growth), driven by its **expanding fee-based services** and **digital lending platform**. However, the stock remains **overvalued** with a **Forward P/E of 76.01**, and **institutional skepticism** persists due to high debt levels and competition in the fintech sector.

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### **Analysis**

#### **1. Q2 2025 Earnings Consensus**
| Metric | Q2 2025 Estimate | YoY Growth | Key Context |
|------------------------|-------------------|-------------|-------------|
| **EPS** | $0.06 | +500% | Beats Q2 2024 EPS of $0.01 |
| **Revenue** | $805.44M | +34.92% | Driven by lending origination (+66% YoY) |
| **Net Margin** | 17.21% | Stable | Consistent profitability in recent quarters |
| **Forward P/E** | 76.01 | Premium | Industry average: 12.43 |

**Key Takeaway**: SOFI’s **high YoY growth** reflects its **strategic pivot** to fee-based revenue (e.g., digital banking, investments), but the **high valuation** raises concerns about **sustainability**.

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#### **2. Historical Earnings Surprise Track Record**
| Quarter | Actual EPS | Estimated EPS | Surprise (%) |
|---------|-------------|----------------|---------------|
| Q1 2025 | $0.06 | $0.03 | +100% |
| Q4 2024 | $0.05 | $0.04 | +25% |
| Q3 2024 | $0.05 | $0.04 | +25% |
| Q2 2024 | $0.01 | $0.01 | 0% |

**Key Takeaway**: SOFI has **beaten EPS estimates** in **3 out of the last 4 quarters**, signaling **operational execution** but also **high volatility** in its financials .

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#### **3. Market Context & Risks**
| Risk Factor | Current Status | Implications |
|-------------------------|-----------------|--------------|
| **Competition** | High | Fintech peers like Block (XYZ) and PayPal (PYPL) pose threats |
| **Debt Levels** | $1.2B | Rising interest rates could pressure margins |
| **Regulatory Risks** | Moderate | Cryptocurrency integration (e.g., stablecoins) faces regulatory scrutiny |
| **Institutional Sentiment** | Mixed | 50% of analysts rate SOFI as “Hold” |

**Key Takeaway**: SOFI’s **long-term growth** hinges on its ability to **monetize its digital platform** while navigating **regulatory and competitive headwinds**.

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### **Final Verdict**
**SoFi Technologies (SOFI)** is a **speculative play** for **growth-oriented investors** with a **short-term horizon**. The upcoming Q2 earnings could **catalyze a stock surge** if results exceed expectations, but **valuation risks** and **execution uncertainties** remain significant.

**Rating**: **Hold** (Neutral) .