The earnings call highlighted significant growth in revenue, member acquisition, and product offerings, demonstrating strong operational performance across SoFi's segments. However, there were some challenges, particularly in the Tech Platform segment and the impact of interest rates on home loans. Overall, the positive aspects of growth and innovation outweighed the challenges.

Company Guidance -

Q3 2025

During the SoFi Technologies Q2 2025 earnings call, Anthony Noto, CEO, highlighted the company's significant achievements in the quarter, including a 44% year-over-year increase in adjusted net revenue, reaching $858 million. The company reported a 5.6x increase in earnings, with adjusted EBITDA at a record $249 million, representing a 29% margin. SoFi added 850,000 new members, growing total members by 34% year-over-year to 11.7 million, and introduced 1.3 million new products, totaling over 17 million products, reflecting a 34% growth. The Financial Services and Technology Platform segments contributed $472 million in revenue, up 74% year-over-year. In the Lending segment, adjusted net revenue grew 32% year-over-year to $447 million, driven by $6.3 billion in originations. Total originations reached a record $8.8 billion for the quarter. SoFi's tangible book value rose to $5.3 billion, an increase of over $1 billion year-over-year. The company also announced investments in crypto, blockchain, and AI, and plans to launch new products later in the year.

Record-Breaking Revenue and Growth

Adjusted net revenue reached a record of $858 million, up 44% year-over-year. Adjusted EBITDA for the quarter was a record of $249 million, up 81% year-over-year. Net income for the quarter was $97 million at a margin of 11%.

Significant Member and Product Growth

Added a record 850,000 new members, increasing total members by 34% year-over-year to 11.7 million. Also added a record 1.3 million new products, representing 34% year-over-year growth to over 17 million products.

Strong Lending and Loan Platform Performance

Lending segment adjusted net revenue grew 32% year-over-year to $447 million. Total loan originations reached a record of $8.8 billion, up 64% year-over-year.

Tech Platform and Innovations

Net revenue for Tech Platform was $110 million, up 15% year-over-year. New innovations include self-serve international money transfers and a return to crypto investing.

SoFi (SOFI) Earnings, Revenues Date & History

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SOFI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 04, 2025	2025 (Q3)	0.08 / -	0.05	―	―	―
Jul 29, 2025	2025 (Q2)	0.06 / 0.08	0.01	700.00% (+0.07)
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)

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
Jul 29, 2025	$21.02	$22.40	+6.57%
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%

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.