Will loan origination growth help SoFi Technologies' Q4 earnings top estimates?

SoFi Technologies ( NASDAQ: SOFI ) is scheduled to announce Q4 earnings results on Monday, January 30, before market open. The consensus EPS estimate is -$0.07 and the consensus revenue estimate is $425.53M (+52% Y/Y). Over the last 3 months, EPS estimates have seen 2 upward revisions and 1 downward. Revenue estimates have seen 3 upward revisions and 5 downward. The neobanking company's student loan refinancing business has been under pressure owing to the moratorium on student loan payments, which is in place till August. However, Mizuho expects the latest extension to be "less dramatic" than the one in April due to an already lower expectation for refinancing in the current high-rate environment. Oppenheimer said SoFi's ( SOFI ) personal loan origination growth helped it in "navigating/plugging the revenue gap of the moratorium this far". Guidance will likely exclude any ramp in student loan originations this year back to 2019 levels . In November, SoFi ( SOFI ) stock suffered selling pressure after some U.S. senators urged regulators to take a closer look at the fintech's cryptocurrency-related business. Morgan Stanley said this increased the odds that SoFi ( SOFI ) will exit crypto entirely . SoFi ( SOFI ) stock surged after the company posted record Q3 results and boosted its guidance for the year. Read why SA contributor Christopher Hoeger expects SoFi ( SOFI ) to continue to weather macro headwinds .