SOFI
SoFi Technologies·NASDAQ
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SOFI fundamentals
SoFi Technologies (SOFI) released its earnings on Oct 28, 2025: revenue was 961.60M (YoY +39.47%), beat estimates; EPS was 0.11 (YoY +120.00%), beat estimates.
Revenue / YoY
961.60M
+39.47%
EPS / YoY
0.11
+120.00%
Report date
Oct 28, 2025
SOFI Earnings Call Summary for Q3,2025
- Revenue Surge: Q3 2025 revenue hit $950 million (38% YoY), driven by 36% product growth and 57% expansion in financial services.
- Tech Innovation: Launched SoFi Pay for international fiat transfers and crypto trading, with AI tools like Cash Coach for personalized financial advice.
- Profitability Excellence: 67% Rule of 40 score, $277 million EBITDA (29% margin), and net income of $139 million.
- Credit Strength: Improved charge-offs (2.6% for personal loans, 0.69% for student loans) and $9.9 billion in total originations.
- Growth Outlook: 2025 guidance updated to $3 billion YoY revenue growth, $1.035 billion EBITDA, and $0.37 EPS, fueled by crypto, AI, and blockchain investments.
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Key Indicators
SoFi Technologies (SOFI) key financial stats and ratios, covering profitability, financial health, and leverage.
SoFi Technologies (SOFI)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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SoFi Technologies (SOFI)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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SoFi Technologies (SOFI)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does SoFi Technologies (SOFI) generate its revenue? Explore its key revenue streams and top earning regions.
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Track SoFi Technologies (SOFI) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What were the key takeaways from SoFi Technologies’s earnings call?What is the market's earnings forecast for SoFi Technologies next quarter?What is the revenue and EPS growth rate for SoFi Technologies year over year?What factors drove the changes in SoFi Technologies's revenue and profit?Did SoFi Technologies beat or miss consensus estimates last quarter?What were the key takeaways from SoFi Technologies's earnings call?What does SoFi Technologies do and what are its main business segments?What is SoFi Technologies's gross profit margin?
