SOFI nails Q4 earnings with $734M vs. last year's $615M, but guidance disappoints at $0.03 EPS vs. expected $0.05, causing a stock dip. Opportunity at $16? Potential cost savings from AI could be a game-changer. $SOFI #Earnings Rebel's Edge 🏴‍☠️ 1pm EST @jonnajarian @petenajarian #ITSNOTANOPTION