SoFi Technologies (SOFI) Q3 2025 Earnings
How Did SOFI Stock React to Q3 2025 Earnings?
S&P 500 over the same 30 days: −0.53%.
Did SOFI Beat Earnings? Q3 2025 Results
Yes. SoFi Technologies reported Q3 2025 earnings of $0.11 a share on Oct 28, 2025, beating the $0.08 consensus estimate by 33.5%. Revenue was $961.6M against a $895.0M estimate.
SoFi Technologies delivered a blowout third quarter of 2025, posting adjusted EPS of $0.11 against a consensus estimate of $0.08, a 33.50% beat, while revenue of $961.60 million cleared the $895.01 million estimate by 7.44%, marking the company's eighth consecutive quarter of GAAP profitability. The standout driver was the explosive growth of SoFi's Financial Services segment, where fee-based revenue surged 50% year-over-year to a record $408.70 million, now annualizing above $1.60 billion, as the company's deliberate pivot toward capital-light, high-margin revenue streams gained undeniable traction. Total members reached 12.6 million, up 35% year-over-year, with record quarterly additions of 905,000, while personal loan charge-offs fell to a two-year low of 2.60%. <a href="https://247wallst.com/investing/2025/10/28/why-sofi-is-up-big-on-tuesday/">Shares rallied sharply</a> on the print, reflecting investor enthusiasm as management raised full-year 2025 adjusted net revenue guidance to approximately $3.54 billion and adjusted EPS guidance to $0.37, with plans to launch crypto trading and AI-powered financial tools adding further momentum to the growth narrative.
- Record fee-based revenue of $408.7 million, up 50% YoY, driven by Loan Platform Business growth
- Net interest income up 36% YoY to $585.1 million driven by 29% increase in average interest-earning assets and 76 basis point decrease in cost of funds
- Net interest margin expanded 27 basis points YoY to 5.84%
- Financial Services and Technology Platform segments combined generated $534.2 million of net revenue, up 57% YoY
- Record loan originations of $9.9 billion, up 57% YoY
- Cross-buy at highest level since 2022, with approximately 40% of new products opened by existing members
- Annualized revenue per Financial Services product of $104, up 29% YoY
- Deposits grew $3.4 billion to $32.9 billion with ~90% from direct deposit members
- Annualized interest expense savings of approximately $627.1 million from remixing funding base
“SoFi delivered an exceptional third quarter, fueled by the strength of our innovation and the power of our one-stop shop strategy.”
SoFi Technologies CEO, on the earnings call
What Was SoFi Technologies's Outlook in Q3 2025?
Management raised full-year 2025 guidance: adjusted net revenue of approximately $3.54 billion (up from $3.375 billion, implying ~36% annual growth), adjusted EBITDA of approximately $1.035 billion (up from $960 million, representing a 29% margin), adjusted net income of approximately $455 million (up from $370 million), and adjusted EPS of approximately $0.37 (up from $0.31). Management expects to add at least 3.5 million new members for the year (~34% growth from 2024). Tangible book value growth guidance was raised to approximately $2.5 billion (up dramatically from prior guidance of $640 million). SoFi plans to launch crypto trading later in 2025 and further AI innovations in 2026.
SOFI YoY Financials
| Metric | Q3 2025 | Q3 2024 | Year over year |
|---|---|---|---|
| Revenue | $961.6M | $986.2M | −2.5% |
| Net Income | $139.4M | $60.7M | +129.5% |
| Operating Income | $148.6M | $63.9M | +132.6% |
SOFI Revenue by Segment
Figures from SEC filings and company reports. Not investment advice.