Q3 25 EPS
$0.11
BEAT +33.50%
Est. $0.08
Q3 25 Revenue
$961.6M
BEAT +7.44%
Est. $895.0M
vs S&P Since Q3 25
-49.2%
TRAILING MARKET
SOFI -44.3% vs S&P +4.9%
Market Reaction
Did SOFI Beat Earnings? Q3 2025 Results
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 eig… Read more 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%. Shares rallied sharply 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.
Key Takeaways
- • 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 YoY Financials
Q3 2025 vs Q3 2024, source: SEC Filings
SOFI Revenue by Segment
With YoY comparisons, source: SEC Filings
“SoFi delivered an exceptional third quarter, fueled by the strength of our innovation and the power of our one-stop shop strategy.”
— Anthony Noto, Q3 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% |