As of Q4'25, SOFI reported an EPS of 0.14 USD, marking a modest increase from the previous quarter's 0.12 USD. The YoY EPS growth for this period stands at -56.25%, indicating a significant slowdown compared to earlier quarters. From Q1'23 to Q4'25, SOFI's EPS trend shows a notable turnaround from negative values in 2023 to sustained positive EPS throughout 2024 and 2025. The most dramatic improvement occurred between Q3'23 (-0.29 USD) and Q4'23 (0.04 USD), with YoY growth peaking at 700% in Q4'24 and 800% in Q2'25. However, growth rates have become more volatile, with sharp spikes and declines, suggesting periods of rapid improvement followed by stabilization or contraction. Overall, the data reflects a transition to profitability, but with fluctuating growth momentum over the observed period.