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SoFi (SOFI) has outperformed markets handsomely for the last three years, but shares have looked weak in recent weeks. SOFI stock is down 19% year-to-date (YTD) and has lost more than 30% from its record highs hit in November. The selloff only gained traction last week despite a better-than-expected fourth-quarter 2025 earnings report.
I previously noted that SoFi's Q4 confessional could help SOFI stock break free from its narrow trading range. The earnings came in better than expected, but the market’s reaction was contrary to my expectations, with shares plunging more than 6% on Jan. 30. With that in mind, let's take a look at the key takeaways from SoFi's Q4 earnings and analyze whether it makes sense to buy the dip.