SoFi Technologies reported quarterly earnings and revenue above analysts’ estimates, with CEO Anthony Noto deeming 2024 the fintech’s “best year ever.”However, shares tumbled 9.8% to $16.16 in trading Monday as financial guidance from the company seemed to overshadow its quarterly results.

SoFi’s stock sinks as a mixed outlook overshadowed strong Q4 results that included the biggest revenue beat in about three years.

SoFi Technologies pointed to "macro assumptions" in giving weaker-than-expected quarterly and full-year guidance.

I favor the bullish case — although in my view the market will only react positively if SoFi exceeds investor expectations and raises its guidance when the company