The latest data point for SOFI's EPS Surprise % in Q4'25 stands at 12.75%, indicating a modest positive surprise relative to analyst expectations, while the corresponding EPS Growth (YoY) is -53.13%, reflecting a notable year-over-year contraction in earnings performance. This marks a shift from the prior quarter's Q3'25 figures of 32.02% surprise and 100% growth, suggesting potential headwinds in the most recent period. Over the period from Q1'23 to Q4'25, EPS Surprise % exhibited volatility, starting with negative values around -37.5% to -57.1% in early 2023, before turning sharply positive in Q4'23 at 385.44% and stabilizing in a range of 16.28% to 115.52% through 2024, with a peak in Q2'24; however, it moderated to 12.75% by Q4'25 amid fluctuating analyst alignments. In contrast, EPS Growth (YoY) showed an improving trend from mixed early results (64.29% in Q1'23 to -222.22% in Q3'23) to stronger positives peaking at 700% in Q4'24, but declined into negative territory in Q1'25 (-25%) and Q4'25 (-53.13%), highlighting inconsistent earnings momentum and potential cyclical pressures in the fintech sector.