Looking back on personal loan stocks’ Q4 earnings, we examine this quarter’s best and worst performers, including SoFi (NASDAQ: SOFI) and its peers.

Personal loan providers offer unsecured credit for various consumer needs. The sector benefits from digital application processes, increasing consumer comfort with online financial services, and opportunities in underserved credit segments. Headwinds include credit risk management in unsecured lending, regulatory oversight of lending practices, and intense competition affecting margins from both traditional and fintech lenders.

The 9 personal loan stocks we track reported a strong Q4. As a group, revenues beat analysts’ consensus estimates by 2.8% while next quarter’s revenue guidance was 1% below.

Amidst this news, share prices of the companies have had a rough stretch. On average, they are down 7.2% since the latest earnings results.

SoFi (NASDAQ: SOFI)

Starting as a student loan refinancing company founded by Stanford business school students in 2011, SoFi Technologies (NASDAQ: SOFI) operates a digital financial platform offering lending, banking, investing, and other financial services to help members borrow, save, spend, invest, and protect their money.

SoFi reported revenues of $1.01 billion, up 37% year on year. This print exceeded analysts’ expectations by 2.7%. Overall, it was a very strong quarter for the company with full-year EPS guidance exceeding analysts’ expectations and a solid beat of analysts’ EBITDA estimates.

SoFi achieved the highest full-year guidance raise of the whole group. Investor expectations, however, were likely higher than Wall Street’s published projections, leaving some wishing for even better results (analysts’ consensus estimates are those published by big banks and advisory firms, not the investors who make buy and sell decisions). The stock is down 29.6% since reporting and currently trades at $17.15.

We think SoFi is a good business, but is it a buy today? Read our full report here, it’s free.

Best Q4: Atlanticus Holdings (NASDAQ: ATLC)

Using data analytics to serve the millions of Americans with less-than-perfect credit scores, Atlanticus Holdings (NASDAQ: ATLC) provides technology and services that help lenders offer credit products to consumers often overlooked by traditional financing providers.

Atlanticus Holdings reported revenues of $609.2 million, up 97.4% year on year, outperforming analysts’ expectations by 7.1%. The business had an exceptional quarter with an impressive beat of analysts’ revenue estimates and a beat of analysts’ EPS estimates.

Atlanticus Holdings achieved the biggest analyst estimates beat and fastest revenue growth among its peers. The market seems happy with the results as the stock is up 7.3% since reporting. It currently trades at $56.58.

Is now the time to buy Atlanticus Holdings? Access our full analysis of the earnings results here, it’s free.

Weakest Q4: Affirm (NASDAQ: AFRM)

Founded by PayPal co-founder Max Levchin with a mission to create honest financial products, Affirm (NASDAQ: AFRM) provides a payment network that allows consumers to make purchases and pay for them over time with transparent, flexible installment loans.

Affirm reported revenues of $1.12 billion, up 29.6% year on year, exceeding analysts’ expectations by 6.3%. Still, it was a mixed quarter as it posted a significant miss of analysts’ EPS estimates.

As expected, the stock is down 22.1% since the results and currently trades at $46.32.

Read our full analysis of Affirm’s results here.

LendingClub (NYSE: LC)

Pioneering peer-to-peer lending in the US before evolving into a digital bank, LendingClub (NYSE: LC) operates a marketplace that connects borrowers with lenders, offering personal loans, auto refinancing, and banking services.

LendingClub reported revenues of $266.5 million, up 22.7% year on year. This print beat analysts’ expectations by 1.8%. Overall, it was a strong quarter as it also recorded full-year EPS guidance beating analysts’ expectations and a decent beat of analysts’ revenue estimates.

The stock is down 24.8% since reporting and currently trades at $14.71.

Read our full, actionable report on LendingClub here, it’s free.

Sezzle (NASDAQ: SEZL)

Founded in 2016 as an alternative to traditional credit cards for younger shoppers, Sezzle (NASDAQ: SEZL) provides a payment platform that allows consumers to split purchases into four interest-free installments over six weeks at participating retailers.

Sezzle reported revenues of $129.9 million, up 32.2% year on year. This number surpassed analysts’ expectations by 2.7%. It was an exceptional quarter as it also produced a beat of analysts’ EPS estimates and an impressive beat of analysts’ EBITDA estimates.

The stock is up 14.7% since reporting and currently trades at $71.85.

Read our full, actionable report on Sezzle here, it’s free.

Market Update

Late in 2025 into early 2026, there was hand wringing around artificial intelligence. For software companies, the fear was that AI would erode pricing power and compress margins as new tools made it easier to replicate what once required expensive enterprise platforms. Crypto investors had their own version of the same anxiety: if AI agents could trade, allocate capital, and manage wallets autonomously, what exactly was the long-term value of today’s crypto infrastructure?

These concerns triggered a noticeable rotation away from these sectors and into safer havens. But markets rarely dwell on one narrative for long. Spring 2026 came, and the focus shifted abruptly from technological disruption to geopolitical risk. The US’ conflict with Iran became the dominant driver of market psychology, and when geopolitics takes center stage, the script changes quickly. Investors stop debating growth rates and start worrying about oil supply, inflation, and global stability.

Want to invest in winners with rock-solid fundamentals? Check out our 9 Best Market-Beating Stocks and add them to your watchlist. These companies are poised for growth regardless of the political or macroeconomic climate.