"SoFi Technologies ( NASDAQ: SOFI | SOFI Price Prediction) and Ally Financial ( NYSE: ALLY) both delivered fourth-quarter earnings recently, but the market's reaction tells two different stories. SoFi beat estimates with $1.03 billion in revenue and $0.13 EPS, yet shares sit 25% lower year-to-date at $19.61. Ally missed on both lines but trades down only 9% to $40.80. The divergence reveals how investors are weighing growth against stability."
"SoFi added 1 million members in Q4 alone, pushing its total to 13.7 million. The company doubled home loan originations and grew personal loans 43%. Fee-based revenue hit $443 million, up 53%, driven by crypto trading and the new SoFiUSD stablecoin. CEO Anthony Noto guided to $4.655 billion in 2026 revenue, implying 30% growth, with $0.60 in EPS. SoFi's strategy centers on becoming a one-stop financial platform."
"Ally posted $2.12 billion in revenue, missing the $2.19 billion estimate. EPS of $0.95 fell short of the $1.05 consensus. But net income jumped 178% year-over-year to $300 million, and the company originated a record $43.7 billion in consumer auto loans for the full year. Ally resumed its $2 billion share buyback program and maintained a $0.30 quarterly dividend."
SoFi reported $1.03 billion in revenue and $0.13 EPS while adding 1 million members in Q4 to reach 13.7 million. Home loan originations doubled and personal loans grew 43%, with fee-based revenue rising 53% to $443 million driven by crypto trading and the SoFiUSD stablecoin. CEO Anthony Noto guided to $4.655 billion in 2026 revenue and $0.60 EPS, implying a 30% growth trajectory. Ally posted $2.12 billion in revenue and $0.95 EPS, missed estimates, but net income rose 178% to $300 million and auto originations were strong. Ally resumed a $2 billion buyback and maintained a $0.30 quarterly dividend, reflecting a focus on profitability and capital returns.
Read at 24/7 Wall St.
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