$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. 👀📈
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