SoFi Technologies reported strong financial performance with record revenue, robust member and product growth, and significant profitability increases. However, there were minor challenges in the tech platform segment and potential variability in loan platform monetization. Overall, the company's performance and outlook remain positive.

Company Guidance

During the SoFi Technologies Q1 2025 earnings call, the company reported a 33% year-over-year increase in revenue, reaching a record $771 million, and a threefold increase in earnings. SoFi added 800,000 new members and 1.2 million new products, marking 34% and 35% year-over-year growth respectively, bringing the totals to 10.9 million members and 15.9 million products. The Financial Services and Technology Platform segments generated $407 million in revenue, a 66% increase from the previous year. The lending segment saw a 27% revenue increase to $412 million, with originations at $7.2 billion, a 30% rise from the prior year. Fee-based revenue was a quarterly record at $315 million, up 67% year-over-year. Adjusted EBITDA reached $210 million, with a 27% margin, and net income was $71 million, translating to a 9% margin and $0.06 earnings per share. The company also highlighted its cross-buy rate at 32% and tangible book value at $5.1 billion, up $946 million year-over-year. For full-year 2025 guidance, SoFi raised expectations to an adjusted net revenue range of $3.235 billion to $3.310 billion and an adjusted EBITDA range of $875 million to $895 million.

Record Revenue and Growth

SoFi Technologies reported record adjusted net revenue of $771 million for Q1 2025, up 33% year-over-year, marking the highest growth rate in five quarters.

Strong Member and Product Growth

The company added a record 800,000 new members, reaching 10.9 million, and 1.2 million new products, totaling over 15.9 million products, representing 34% and 35% year-over-year growth respectively.

Financial Services and Technology Platform Surge

These segments generated $407 million in revenue, up 66% year-over-year.

Lending Segment Success

Adjusted net revenue grew 27% year-over-year to $412 million, with strong originations of $5.7 billion, up 30% from the prior year.

Record Fee-Based Revenue

Fee-based revenue across the business was a quarterly record at $315 million, up 67% from the prior year.

Strong Profitability and Returns

Adjusted EBITDA was a record $210 million, up 46% year-over-year with a margin of 27%. Net income was $71 million with a margin of 9%.

---

SoFi Technologies (SOFI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

SOFI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 05, 2025	2025 (Q2)	0.06 / -	0.01	―	―	―
Apr 29, 2025	2025 (Q1)	0.03 / 0.06	0.02	200.00% (+0.04)
Jan 27, 2025	2024 (Q4)	0.04 / 0.29	0.02	1350.00% (+0.27)
Oct 29, 2024	2024 (Q3)	0.04 / 0.05	-0.29	117.24% (+0.34)
Jul 30, 2024	2024 (Q2)	<0.01 / 0.01	-0.06	116.67% (+0.07)
Apr 29, 2024	2024 (Q1)	<0.01 / 0.02	-0.05	140.00% (+0.07)
Jan 29, 2024	2023 (Q4)	<0.01 / 0.02	-0.05	140.00% (+0.07)
Oct 30, 2023	2023 (Q3)	-0.08 / -0.29	-0.09	-222.22% (-0.20)
Jul 31, 2023	2023 (Q2)	-0.07 / -0.06	-0.12	50.00% (+0.06)
May 01, 2023	2023 (Q1)	-0.08 / -0.05	-0.14	64.29% (+0.09)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

---

SOFI Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Apr 29, 2025	$13.20	$13.27	+0.53%
Jan 27, 2025	$17.92	$16.08	-10.27%
Oct 29, 2024	$11.19	$10.47	-6.43%
Jul 30, 2024	$7.33	$7.42	+1.23%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

---