SoFi Technologies ( NASDAQ:SOFI ) shares fell 15.01% in premarket trading Monday, dropping $2.69 to $15.23 as of 08:20:03 ET, after the company's Q1 and 2025 earnings guidance missed Wall Street estimates, despite reporting a Q4 beat when adjusted for non-recurring items.

For 2025, SoFi projects GAAP EPS of $0.25-$0.27 (midpoint $0.26, below the $0.29 consensus) and adjusted net revenue of $3.20B-$3.275B (vs. $3.05B expected). Adjusted EBITDA is expected to rise to $845M-$865M, trailing the Visible Alpha consensus of $913.5M. For Q1, the company forecasts GAAP EPS of $0.03, below the $0.06 consensus, while adjusted net revenue of $725M-$745M surpasses the $707.5M estimate.

Despite the weak outlook, CEO Anthony Noto highlighted SoFi's first full year of GAAP profitability, with Q4 GAAP EPS of $0.29 rising from $0.05 in Q3. SoFi's Q4 adjusted net revenue of $739.1M topped estimates, fueled by loan origination growth, including a 63% jump in personal loans and 71% rise in student loans.

This article first appeared on GuruFocus .