SoFi Technologies delivered record Q3 results, beating earnings and revenue estimates, driven by robust customer acquisition and Financial Services momentum. SOFI's Financial Services segment saw 76% Y/Y revenue growth and is rapidly closing the gap with Lending, setting the Fintech up for significant bottom-line expansion. Management raised FY 2025 revenue and EBITDA guidance for the third time, reflecting strong business momentum and customer growth.
The futures are trading higher this morning after another stellar day across Wall Street on Tuesday, as all the major indices once again ended higher and continue to print new all-time highs.
SoFi reported its Q3 earnings Tuesday morning (Oct. 28), and the message was straightforward: Its mostly prime borrowers look resilient, and their spending is steady. Pressed by analysts on consumer credit, CEO Anthony Noto said the company's real-time view across checking, investing and lending shows “very strong” credit performance and day-to-day activity.
SoFi raised its full year profit outlook and reported increased membership in the last quarter, something CEO Anthony Noto attributed to SoFi's growing range of financial offerings. Noto joins Caroline Hyde and Ed Ludlow on “Bloomberg Tech.
SoFi Technologies, Inc. delivered a triple beat in Q3 2025, with 36% YoY revenue growth and raised full-year guidance. SOFI's Financial Services Productivity Loop drove record member and product growth, reinforcing its sustainable competitive advantage and diversified revenue streams. Upcoming catalysts include blockchain-enabled SoFi Pay, a stablecoin launch, crypto platform rollout, and potential S&P 500 inclusion in 2026.
SoFi Technologies, Inc. (NASDAQ:SOFI ) Q3 2025 Earnings Call October 28, 2025 8:00 AM EDT Company Participants Anthony Noto - CEO & Director Chris Lapointe - Chief Financial Officer Conference Call Participants Dan Dolev - Mizuho Securities USA LLC, Research Division John Hecht - Jefferies LLC, Research Division Kyle Joseph - Stephens Inc., Research Division Andrew Jeffrey - William Blair & Company L.L.C., Research Division Kyle Peterson - Needham & Company, LLC, Research Division Reginald Smith - JPMorgan Chase & Co, Research Division Peter Christiansen - Citigroup Inc., Research Division Moshe Orenbuch - TD Cowen, Research Division Devin Ryan - Citizens JMP Securities, LLC, Research Division Presentation Operator Good morning or good afternoon.
SoFi Technologies (NASDAQ:SOFI) reported record revenue and net income for the third quarter driven by increased loan originations, fee-based revenue growth, and a rise in total members and products. For the quarter ended September 30, 2025, SoFi posted revenue of $961.6 million, up 38% from $697.1 million in the same period last year and ahead of Wall Street estimates of $889 million to $895 million.
Although the revenue and EPS for SoFi Technologies (SOFI) give a sense of how its business performed in the quarter ended September 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
SoFi Technologies, Inc. delivered strong Q3 results, maintaining double-digit growth across key financial and business metrics, reinforcing its robust business model. SOFI's expanding customer base and product offerings drive long-term growth potential, supporting cross-selling and improved profitability through lower acquisition costs. All major segments, including Lending, Technology Platform, and Financial Services, posted double-digit revenue growth, highlighting a balanced and resilient business mix.
SoFi Technologies (NASDAQ: SOFI) delivered results that justified the stock's pre-earnings bump of 4.20%.
The financial-technology company racked up a number of records in its third quarter as loan demand soared.
Its ambition to become a one-stop shop for financial services, along with its growing deposit base, is likely to drive future growth.