Banking disruptor SoFi (NASDAQ: SOFI) has seen a 20% drop from recent highs and will report fourth-quarter earnings on Jan. 30. In the third quarter, SoFi hit all-time highs in revenue, EBITDA, fee-based revenue, new members, and product growth. They expect 3.5 million new members, 36% revenue growth, and $0.37 EPS for the full year.

Loan growth at SoFi has been strong, with lower default rates. Fee-based revenue, especially from the loan platform, has seen stellar growth. If SoFi meets guidance, the fourth-quarter results should impress. Investors are eager for clarification on recent capital raises and new product introductions, like the SoFi Smart Card.

Investors will be watching SoFi’s earnings report on Jan. 30 closely. With recent drops in stock price, some are considering adding to their positions. SoFi recently raised $1.5 billion in capital and introduced new products, including the SoFi Smart Card. Clarity on these moves will be key for investors.

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Read more at Yahoo Finance: Should You Buy SoFi Technologies Stock Before Jan. 30?