$SOFI Has Beaten Estimates for 21 Straight Quarters

$SoFi Technologies Inc.(SOFI)$ has beaten analyst revenue estimates for 21 straight quarters.

Normally, a streak like that forces analysts to raise their numbers until the company eventually starts meeting or missing expectations.

That hasn’t happened with $SOFI.

Even more interesting, analyst estimates for 2028 revenue and EPS are still below the company’s own 2028 targets.

That tells me the bigger opportunity may be the gap between what Wall Street expects and what $SOFI actually delivers.

Meanwhile, the stock is down roughly 43% from its highs, despite the business continuing to strengthen:

• 1M+ new members added in Q2
• Record deposits
• Record loan originations
• 40%+ top-line growth
• Improving profitability
• New partnerships with Kraken and $MasterCard(MA)$

SoFi also raised its 2026 revenue guidance to $4.75B–$4.85B, above Wall Street expectations.

This is why time horizon matters.

The market can ignore a company for a while.

But if $SOFI keeps growing faster than expectations, eventually those expectations have to catch up.

And that’s when the valuation can re-rate. 👀📈

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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