I favor the bullish case — although in my view the market will only react positively if SoFi exceeds investor expectations and raises its guidance when the company

SoFi Technologies (NASDAQ:SOFI) is scheduled to announce Q4 earnings on Monday, and investors will keep an eye on the company’s commentary about loan growth and financial services segment. Wall Street expects the fintech company to post EPS of $0.

The consensus estimate for Financial Services revenues is pegged at $255 million, indicating 83.5% year-over-year growth. The consensus mark for Technology Platforms revenues is pegged at $110 million, indicating 13.4% year-over-year growth. The lending segment is expected to decline 5%.

For investors looking for opportunities in fintech, SoFi presents an interesting case. Here's where analysts think the stock will go from 2025 to 2030.

SoFi Technologies' fintech segment is growing, but this also came with much higher non-interest expense. Find out what makes SOFI stock a hold for now.