SoFi Technologies (SOFI) has been a game-changer in personal finance, particularly for millennials and Gen Z, starting with innovative student loan refinancing that offered lower rates and flexible terms. From there, it expanded into a full-spectrum digital bank, adding services like high-yield savings, investing platforms, credit cards, mortgages, and insurance, drawing in millions of users seeking seamless, app-based money management.
This diversification has fueled explosive growth, turning SoFi into a one-stop financial hub with over 12 million members. In the process, its stock has become a wealth-building powerhouse, surging 245% over the past three years amid rising adoption and profitability. Now, with fiscal Q4 earnings slated for Friday, Jan. 30, investors are eyeing the report after SoFi beat expectations in each of the last four quarters. Yet the question is, should you buy shares before the release?
