However, these figures would represent a modest sequential decline from Q1’s performance, which delivered $0.12 EPS and $1.10 billion in top-line results. Among 23 Wall Street analysts tracking SOFI, recommendations break down to 7 buy ratings, 12 hold ratings, and 4 sell ratings. This represents a substantial gap from SoFi’s long-range target of approximately 38%, highlighting the distance remaining to achieve optimal profitability. Conversely, disappointing margin performance would likely intensify selling pressure. Historical performance shows SoFi has exceeded EPS expectations in 63% of quarters over the past two years while surpassing revenue estimates 100% of the time.