SoFi Technologies Q1 Earnings Preview: Student Loans, Stock Price Volatility On Watch

SoFi Technologies, Inc. (NASDAQ:SOFI) is set to release its first-quarter financial results before Tuesday's opening bell. Here's a look at what to watch in the report. 

What To Watch: Investors will be keeping a close eye on SoFi's recent “student loan boom," a primary catalyst for the stock's recent momentum. 

The Trump administration’s Department of Education will resume collections on defaulted federal student loans starting next month, marking the end of a collections pause that began in March 2020 as a pandemic relief measure. 

Read Next: Trump Administration To Resume Collections On Student Loans: 5 Million Borrowers In Default 

SoFi could see another boost to its student loan refinancing segment as more than 5 million borrowers are in default and less than 40% of borrowers are current on their student loan payments, according to data from the DOE. 

Wall Street will also be watching for: 

• Any updates to full-year revenue or margin guidance – SoFi management has previously guided to a $3.2 billion fiscal 2025 revenue target. 
• Trends in student loan and personal lending volumes.
• Management commentary on credit quality and macroeconomic risks, including tariffs and regulatory changes. 
• Immediate stock reaction and trading volume post-release – SoFi stock can be volatile following its earnings release with Forbes' data from the past five years showing positive one-day returns in 67% of cases with a median move of 8.9% and a peak of 28.4%. 

Expert Ideas: Last Friday, JMP Securities analyst Devin Ryan initiated coverage on SoFi Technologies stock with a Market Outperform rating and a $17 price target.

Analysts expect the company to report quarterly earnings of 4 cents per share on revenue of $739.05 million. It should be noted that SoFi has met or beat analysts' estimates every quarter since 2021. 

SOFI Stock Price: Shares of SoFi Technologies were up 1.5% at $13.07 at the time of publication Monday, according to Benzinga Pro. 

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