Banking disruptor SoFi (NASDAQ: SOFI) has fallen by about 20% from its recent highs and is set to report its fourth-quarter earnings on Friday, Jan. 30, before the market opens. To be sure, SoFi's recent results have been excellent. The company reported all-time highs for revenue, adjusted EBITDA, fee-based revenue, new member additions, and product growth in the third quarter, and management raised its full-year guidance as a result. When SoFi reports fourth-quarter earnings, it expects to report a total ...