/A%20SoFi%20logo%20on%20an%20office%20building%20by%20Tada%20Images%20via%20Shutterstock.jpg)
Shares of SoFi Technologies (SOFI) are under pressure ahead of the company's fourth-quarter earnings announcement on Jan. 30. The stock has fallen more than 21% from its recent peak, reflecting near-term caution. However, SoFi continues to post strong operational results, with solid growth in both revenue and earnings, and that momentum will likely reflect in its Q4 financials.
Further, SoFi’s shift toward a low-risk, fee-driven model bodes well for growth. By expanding its financial services offerings and technology platform, SoFi is reducing its dependence on interest-rate-sensitive lending income and credit risk. This is helping strengthen SoFi’s balance sheet and improve its earnings base.