Why SoFi Is Up Big On Tuesday

SoFi Technologies (NASDAQ: SOFI | SOFI Price Prediction) delivered results that justified the stock’s pre-earnings bump of 4.20%. The fintech lender beat on both earnings and revenue, raised full-year guidance, and posted record profitability metrics. Shares held steady near $30.91 at filing, reflecting investor satisfaction with execution that matched the high expectations already baked into a stock that has more than doubled this year.

Growth Accelerates Across the Board

Revenue climbed to $961.6M, crushing the $895M consensus estimate by 7.4 percent and marking 38 percent year-over-year growth. Earnings per share came in at $0.11, topping the $0.08 estimate. But the real story lived in the operating metrics.

Loan originations hit a record $9.9B, up 57 percent year over year. Member growth accelerated with 905,000 new members added in the quarter, bringing the total to 12.6M. Fee-based revenue, a key indicator of diversification away from lending, jumped 50 percent to $409M. I liked this number. It shows the “one-stop shop” strategy is working. Members aren’t just borrowing. They’re staying and using multiple products.

Net income surged 141 percent to $139.4M. Adjusted EBITDA expanded 49 percent to $276.9M. These aren’t just beats. They signal that scale is finally translating into real profitability.

Guidance Lifts the Full Picture

Management raised full-year 2025 guidance across the board. Adjusted net revenue is now expected to reach approximately $3.54B, representing 36 percent annual growth. Adjusted EBITDA guidance sits at roughly $1.035B. Full-year adjusted EPS is pegged at approximately $0.37. The company also projects at least 3.5M new members for the full year, a signal of confidence in sustained momentum.

CEO Anthony Noto struck an optimistic tone in prepared remarks, calling Q3 “exceptional” and emphasizing that the company’s strategy is “battle-tested and built to outperform.” The confidence here matters. After years of proving the model, SoFi is now executing at scale.

One Caveat Worth Noting

The company did flag a decrease in multifamily lending activity. This is a minor headwind in an otherwise strong report, but it’s worth monitoring. Multifamily has been a growth driver for fintech lenders, and any sustained slowdown in that segment could pressure future originations.

Key Figures

• Revenue: $961.6M (vs. $895M estimated); up 38% YoY
• Adjusted EPS: $0.11 (vs. $0.08 estimated)
• Net Income: $139.4M (up 141% YoY)
• Adjusted EBITDA: $276.9M (up 49% YoY)
• Loan Originations: $9.9B (up 57% YoY, record)
• Fee-Based Revenue: $409M (up 50%, record)
• Total Members: 12.6M (added 905K in Q3)
• FY 2025 Adjusted EPS Guidance: ~$0.37

The headline here is profitability at scale. SoFi is no longer just a growth story. It’s a company that’s growing and making real money.

What to Watch Next

The stock is trading near all-time highs with momentum intact, but valuations are stretched at 60x trailing P/E. Any hesitation on Q4 or 2026 outlook could trigger a sell-off. Conversely, if leadership sounds even more bullish on loan pipelines or member engagement, this could run further.