As of Q4'25, SOFI's EPS Diluted stands at 0.13 USD, marking a continued positive performance after turning positive in Q4'23. The most recent YoY EPS Growth for Q4'25 is -58.1%, indicating a slowdown compared to previous quarters. From Q1'23 to Q4'25, SOFI's EPS Diluted exhibited a significant turnaround, shifting from negative values in 2023 to sustained positive EPS throughout 2024 and 2025. The most notable inflection occurred in Q4'23, where EPS moved from -0.29 USD in Q3'23 to 0.04 USD, coinciding with a sharp YoY growth spike of 180%. EPS Growth remained robust through 2024, peaking at 700% in Q2'25, before moderating to negative territory by Q4'25, suggesting the initial acceleration in profitability is stabilizing.