The earnings call presented a strong performance with significant growth in revenue, membership, and product offerings. SoFi's strategic focus on innovation, particularly in the Financial Services and Technology Platform segments, has yielded positive results. Although there were some challenges, such as higher student loan charge-offs and concerns over Tech Platform growth, the overall outlook remains optimistic.

Company Guidance -

Q3 2025

During the SoFi Technologies Q2 2025 earnings call, the company reported robust financial performance, marked by a 44% year-over-year increase in adjusted net revenue, reaching a record $858 million. This growth was driven by a 34% increase in total members to 11.7 million and a similar 34% growth in total products to over 17 million. The Financial Services and Technology Platform segments generated $472 million in revenue, up 74% year-over-year, now comprising 55% of total revenue. The Lending segment also saw a 32% year-over-year increase in adjusted net revenue to $447 million, with total loan originations hitting a record $8.8 billion. The company achieved a record adjusted EBITDA of $249 million, an 81% increase year-over-year, with a margin of 29%. Net income was reported at $97 million, yielding an 11% margin, and earnings per share were $0.08. SoFi also highlighted a strong tangible book value of $5.3 billion, a year-over-year increase of over $1 billion. The company raised its 2025 guidance, expecting adjusted net revenue of approximately $3.375 billion and adjusted EBITDA of around $960 million, reflecting a 28% margin.

Strong Revenue Growth

Adjusted net revenue increased by 44% year-over-year to a record $858 million, marking the highest growth rate in over two years.

Record Membership and Product Growth

SoFi added a record 850,000 new members in Q2, increasing total members by 34% year-over-year to 11.7 million, and added a record 1.3 million new products, representing 34% year-over-year growth.

Financial Services and Technology Platform Revenue Surge

These segments generated $472 million of revenue, up 74% year-over-year, now representing 55% of total revenue.

Loan Platform Business Expansion

Loan originations reached a record of $8.8 billion, up 64% year-over-year, with the Loan Platform Business generating $131 million in adjusted net revenue, up 36% from the previous quarter.

Profitability and Strong Margins

Adjusted EBITDA was a record $249 million, up 81% year-over-year, with an EBITDA margin of 29% and net income of $97 million at a margin of 11%.

Innovations in Crypto and Blockchain

SoFi announced the launch of self-serve international money transfers and a return to crypto investing, leveraging blockchain technology for faster and lower-cost transactions.

AI Integration

AI applications are being implemented across the business, including a new Cash Coach feature to optimize member finances.

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.