Sofi Technologies (SOFI) shares surged to 4.5 year highs after its latest earnings. George Tsilis peels back the layers on the fintech business to find out what's driving price action in the stock.
SoFi Technologies, Inc. (SOFI) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
SoFi delivered another stellar quarter, consistently beating estimates and showing robust revenue and earnings growth, possibly impressing even the skeptics. Valuation is extremely stretched at 61x forward EPS, suggesting years of optimism are already priced in, leaving little room for disappointment. Loan platform and asset-light strategies are gaining traction, but over 50% of revenue is still loan-driven, exposing SoFi to cyclical and credit risks.
SOFI's Q2'25 earnings beat estimates, with strong revenue growth and a successful shift toward fee-based, capital-light income streams. Financial Services now represents 40% of revenue, showing dynamic growth and margin expansion, while Lending remains the core, most profitable segment. SOFI raised FY25 guidance, expects 30% annual revenue growth, and is expanding into crypto and stablecoins, unlocking new revenue streams.
SoFi Technologies delivered a strong Q2 report, crushing earnings and revenue estimates, fueled by impressive customer growth and robust financial services expansion. Despite a 6% share drop on a $1.5B stock sale, I see this capital raise as an opportunity for additional growth and investments, not a reason to sell. Management raised its FY 2025 revenue and income guidance, signaling continued momentum and setting the stage for future EPS upgrades.
SoFi delivered a strong Q2 2025 report yesterday, handily beating revenue and EPS estimates, with robust growth in fee-based revenue and member additions. Management raised 2025 guidance, projecting 30% revenue growth and higher EPS, reflecting ongoing business momentum and product innovation. Despite impressive fundamentals, a recent stock rally has shifted SoFi's risk/reward. With its 5-year CAGR slipping below my hurdle rate, I rate SoFi a 'Hold' in the $20s, pausing accumulation.
SoFi Technologies, Inc. reported killer Q2 earnings, keeping up member and product growth and pushing the stock up as much as 15% during the day. The quarter was so good that SOFI investors are starting to think if it's time to take profits, and we think it's still too early. Members are expected to grow 30% Y/Y this year, adding 3 million members, and products continue to grow in double-digits, which translates to more cross-selling opportunities.
SoFi Technologies, Inc. (NASDAQ:SOFI ) Q2 2025 Earnings Call July 29, 2025 8:00 AM ET Company Participants Anthony J. Noto - CEO & Director Christopher Lapointe - Chief Financial Officer Conference Call Participants Andrew William Jeffrey - William Blair & Company L.L.C.
FinTechs are maturing, evolving and consolidating, creating new growth opportunities.
SoFi Technologies (SOFI) shares are jumping 15% in intraday trading Tuesday after the personal finance tech firm posted better-than-estimated results and boosted its revenue and earnings outlook.
Although the revenue and EPS for SoFi Technologies (SOFI) give a sense of how its business performed in the quarter ended June 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
SoFi Technologies stock (NASDAQ:SOFI) surged 14% in early trading on Tuesday, July 29, after the announcement of strong Q2 earnings. The firm disclosed earnings of $0.08 per share on revenue of $855 million, considerably surpassing Wall Street's projections of $0.06 per share and $804 million, respectively.