SoFi Technologies, Inc. (SOFI) Q3 2025 Earnings Call Transcript
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 reports record Q3 results, raises full-year guidance
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.
SoFi Technologies (SOFI) Reports Q3 Earnings: What Key Metrics Have to Say
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: Blowout Q3 Earnings Confirm Bullish Case
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.
Why SoFi Is Up Big On Tuesday
SoFi Technologies (NASDAQ: SOFI) delivered results that justified the stock's pre-earnings bump of 4.20%.
SoFi's stock is on fire, and so is its business. These earnings numbers show why.
The financial-technology company racked up a number of records in its third quarter as loan demand soared.
SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (Oct 24)
Its ambition to become a one-stop shop for financial services, along with its growing deposit base, is likely to drive future growth.
SOFI's Konecta's AI Advantage is a Leap in Fintech Efficiency
SoFi's AI chatbot Konecta delivers faster responses, lower costs and stronger loyalty, propelling fintech efficiency to new heights.
SoFi Technologies (SOFI) Upgraded to Buy: What Does It Mean for the Stock?
SoFi Technologies (SOFI) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
SoFi Vs. Upstart: Which Fintech To Choose And For Whom
SoFi Technologies stands out as a diversified digital bank with strong revenue growth, profitability, and a robust customer ecosystem. SoFi Technologies' valuation is historically high, reflecting much of its recent success, but long-term investors may find it compelling to start a position and DCA. Upstart Holdings offers high growth potential with its AI-driven lending platform but remains volatile and highly dependent on macroeconomic conditions.
Will SoFi Technologies (SOFI) Beat Estimates Again in Its Next Earnings Report?
SoFi Technologies (SOFI) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
Market euphoria can get more euphoric before something turns it around, says SoFi's Liz Thomas
Liz Thomas, SoFi, joins 'Closing Bell' to discuss how Thomas feels about the strength of equity markets, if there's a lot more upside to today's equity markets and much more.
