SoFi Technologies (SOFI) has revolutionized personal finance for millennials and Gen Z, expanding from student loan refinancing to a full-spectrum digital bank with over 12 million members. The stock has surged 245% in the past three years and is set to release fiscal Q4 earnings on Jan. 30, after beating expectations in the last four quarters. SoFi offers a range of products and services, with stock trading at 87x trailing earnings and 44x next year’s estimates, positioning it for continued growth in the high-growth fintech space.

Analysts expect SoFi stock to be a “Hold,” with a mean price target of $27.58, representing a potential upside of 9% from the current share price. The company’s long-term potential as a disruptive force in fintech, coupled with earnings growth projections and new market expansions, make it a solid hold for growth-oriented investors. However, buying before the Q4 earnings report carries risks, as any miss could trigger volatility, especially with the first-ever Friday announcement raising yellow flags for possible underwhelming results.

Read more at Barchart: Should You Buy SoFi Technologies Before Friday’s Q4 Earnings?