Q2 25 EPS
$0.08
BEAT +34.23%
Est. $0.06
Q2 25 Revenue
$854.9M
BEAT +6.29%
Est. $804.4M
vs S&P Since Q2 25
-45.1%
TRAILING MARKET
SOFI -31.7% vs S&P +13.4%
Market Reaction
Did SOFI Beat Earnings? Q2 2025 Results
SoFi Technologies delivered a standout second quarter of 2025, posting earnings per share of $0.08 against a consensus estimate of $0.06, a beat of 34.23%, while revenue of $854.94 million topped expectations of $804.36 million by 6.29%. The driving … Read more SoFi Technologies delivered a standout second quarter of 2025, posting earnings per share of $0.08 against a consensus estimate of $0.06, a beat of 34.23%, while revenue of $854.94 million topped expectations of $804.36 million by 6.29%. The driving force behind the quarter was the rapid expansion of fee-based revenue, which climbed 72% year-over-year to a record $377.50 million, reflecting SoFi's deliberate pivot away from balance-sheet lending toward higher-margin, capital-light income streams. The Loan Platform Business alone originated $2.40 billion in third-party loans during the period, running at an annualized pace exceeding $9.50 billion. Member growth reinforced the momentum, with total members reaching 11.7 million, up 34% year-over-year. Management responded to the strong results by raising full-year 2025 adjusted net revenue guidance to approximately $3.38 billion, implying roughly 30% annual growth, alongside a GAAP net income target of approximately $370 million and EPS of approximately $0.31 per share.
Key Takeaways
- • Fee-based revenue up 72% YoY to record $377.5 million
- • Loan Platform Business originated $2.4 billion in loans on behalf of third parties, up 57% sequentially
- • Net interest income up 26% YoY to $517.8 million driven by 24% increase in average interest-earning assets and 77 bps decrease in cost of funds
- • Record 850,000 new members in the quarter, bringing total to 11.7 million
- • Financial Services revenue per product up over 50% YoY
- • Interchange fee revenue up 83% YoY driven by ~$18 billion annualized spend
- • Personal loan annualized charge-off rate decreased from 3.31% to 2.83%
- • Total deposits grew to $29.5 billion with ~90% from direct deposit members
- • Unaided brand awareness reached all-time high of 8.5%
SOFI YoY Financials
Q2 2025 vs Q2 2024, source: SEC Filings
SOFI Revenue by Segment
With YoY comparisons, source: SEC Filings
“We had an exceptional second quarter, driving durable growth and strong returns through our relentless focus on product innovation and brand building.”
— Anthony Noto, Q2 2025 Earnings Press Release
SOFI Earnings Trends
SOFI vs Market 30 Day Price Reactions
30-day stock return vs benchmark after each earnings
SOFI EPS Trend
Earnings per share: estimate vs actual
SOFI Revenue Trend
Quarterly revenue: estimate vs actual
SOFI Quarterly Results
5 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| Q1 26 | — | $0.12 | — | $1.10B | +4.87% |
| Q4 25 BEAT FY | $0.11 | $0.13 | +18.18% | $1.03B | +736.97% |
| FY Full Year | $0.36 | $0.39 | +7.26% | $3.61B | +1.59% |
| Q3 25 BEAT | $0.08 | $0.11 | +33.50% | $961.6M | +7.44% |
| Q2 25 BEAT | $0.06 | $0.08 | +34.23% | $854.9M | +6.29% |
| Q1 25 BEAT | $0.03 | $0.06 | +93.55% | $771.8M | +4.45% |