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SoFi Technologies

SOFI · Financials

Last earnings Oct 27, 2026

Key results

Record Net revenuequarter

$962 Million

Record Net Revenue of $962 Million, Record Member and Product Growth,

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Million Adjusted Net revenuequarter

38%

Million Adjusted Net Revenue up 38% to a record $950 million

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Fee-based revenuequarter

50%

Fee-based Revenue up 50% to a record $409 million Member growth up 35% to a record 12.6 million members Product growth up 36% to a record 18.6 million products

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Revenuequarter

$950 million

We achieved record adjusted net revenue of $950 million and added a record 905,000 new members and 1.4 million new products.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Growthquarter

up 50%

Total fee-based revenue across the business achieved a record $408.7 million, up 50% from the prior year, now generating over $1.6 billion on an annualized basis.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

This was driven by strong performance from our Loan Platform Business (LPB), which originated $3.4 billion in loans on behalf of third parties in the third quarter and generated $167.9 million in revenue, up 29% from the second quarter and 2.75x from the prior year.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

For the third quarter of 2025, GAAP net revenue of $961.6 million increased 38% relative to the prior-year period's $697.1 million.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Record adjusted net revenue of $949.6 million grew 38% from the corresponding prior-year period of $689.4 million.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

AI analysis

Q3 2025 · reported Oct 28, 2025

Based on: Earnings release + parent 8-K — transcript not held

Revenue · Q3 2025
$950M
EX-99 · Oct 28, 2025
Record Net revenue · Q3 2025
$962M
EX-99 · Oct 28, 2025

The quarter in charts

Guidance ladder — revenue

Delivered vs the company's guided range

EX-99 · Oct 28, 2025 Guide as stated by the company; range and midpoint computed from the stated figure.

Headline figures

MetricQ3 2025Prior qtrYear ago
Record Net revenue$962 Million——
Million Adjusted Net revenue38%——
Fee-based revenue50%——
Revenue$950 million——
Growthup 50%——

EX-99 · Oct 28, 2025

Guidance · company-stated

Direction: Raised

Revenue$962 Million

“htm EX-99.1 Document SoFi Reports Third Quarter 2025 with Record Net Revenue of $962 Million, Record Member and Product Growth, Net Income of $139 Million Adjusted Net Revenue up 38% to a record $950 million Adjusted EBITDA up 49% to a record $277 million Fee-based Revenue up 50% to a record $409 million Member growth up 35% to a record 12.6 million members Product growth up 36% to a record 18.6 million products Management Raises 2025 Guidance SAN FRANCISCO, Calif.”

Company outlook — Raised

“Guidance and Outlook Given the strong performance through the first three quarters of the year, management is increasing its 2025 guidance issued in our second quarter earnings.”

Midpoint vs latest-quarter revenue+1.3%computed from stated figures

Classified from the release's primary full-year outlook statement.

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Adjusted net revenue is defined as total net revenue, adjusted to exclude the fair value changes in servicing rights and residual interests classified as debt due to valuation inputs and assumptions changes, which relate only to our Lending segment, as well as gains and losses on extinguishment of debt.

(2) Reflects changes in fair value inputs and assumptions on residual interests classified as debt, including conditional prepayment, default rates and discount rates.

What changed vs last quarter

  • Guide midpoint vs latest-quarter revenue +1.3% computed from stated figures

Company-stated claims

Oct 27, 2026

Historical · increased 158% · other

“The balance of the growth was primarily driven from loan origination fees which increased 158% from the prior year.”

EX-99 · Oct 27, 2026
General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

(NASDAQ SOFI), a member-centric, one-stop shop for digital financial services that helps members borrow, save, spend, invest and protect their money, reported financial results today for its third quarter ended September 30, 2025

Based on: Earnings release + parent 8-K — transcript not held

Guidance & outlook

Direction: Raised

Revenue: “htm EX-99.1 Document SoFi Reports Third Quarter 2025 with Record Net Revenue of $962 Million, Record Member and Product Growth, Net Income of $139 Million Adjusted Net Revenue up 38% to a record $950 million Adjusted EBITDA up 49% to a record $277 million Fee-based Revenue up 50% to a record $409 million Member growth up 35% to a record 12.6 million members Product growth up 36% to a record 18.6 million products Management Raises 2025 Guidance SAN FRANCISCO, Calif.”

Revenue — Raised (“Raises”)
“htm EX-99.1 Document SoFi Reports Third Quarter 2025 with Record Net Revenue of $962 Million, Record Member and Product Growth, Net Income of $139 Million Adjusted Net Revenue up 38% to a record $950 million Adjusted EBITDA up 49% to a record $277 million Fee-based Revenue up 50% to a record $409 million Member growth up 35% to a record 12.6 million members Product growth up 36% to a record 18.6 million products Management Raises 2025 Guidance SAN FRANCISCO, Calif.”

Company outlook — Raised (“increasing”)
“Guidance and Outlook Given the strong performance through the first three quarters of the year, management is increasing its 2025 guidance issued in our second quarter earnings.”

Classified from the release's primary full-year outlook statement.

Capital allocation

Adjusted net revenue is defined as total net revenue, adjusted to exclude the fair value changes in servicing rights and residual interests classified as debt due to valuation inputs and assumptions changes, which relate only to our Lending segment, as well as gains and losses on extinguishment of debt.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

(2) Reflects changes in fair value inputs and assumptions on residual interests classified as debt, including conditional prepayment, default rates and discount rates.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

These residual debt obligations are measured at fair value on a recurring basis, but they have no impact on our initial financing proceeds, our future obligations to the residual interest owner (because future residual interest claims are limited to contractual securitization collateral cash flows), or the general operations of our business.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

(3) Reflects gain on extinguishment of debt.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Gains and losses are recognized during the period of extinguishment for the difference between the net carrying amount of debt extinguished and the fair value of equity securities issued.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Adjusted noninterest income is defined as noninterest income, adjusted to exclude the fair value changes in servicing rights and residual interests classified as debt due to valuation inputs and assumptions changes, which relate only to our Lending segment, as well as gains and losses on extinguishment of debt.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Strategy & priorities

SoFi delivered an exceptional third quarter, fueled by the strength of our innovation and the power of our one-stop shop strategy, said Anthony Noto, CEO of SoFi.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Our ability to consistently deliver durable growth, strong returns, and exceptional credit performance proves that our strategy is battle-tested and built to outperform.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Member and Product Growth Continued growth in both total members and products in the third quarter is the result of our continued investments in innovation and brand building and reflects the benefits of our broad product suite and unique Financial Services Productivity Loop (FSPL) strategy.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Words such as achieve , believe , continue , expect , capable future , growth , may , opportunity , plan , potential , strategy , will be , will continue , and similar expressions may identify forward-looking statements, but the absence of these words does not mean that a statement is not forward-looking.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Our management and Board of Directors uses these non-GAAP measures to evaluate our operating performance, formulate business plans, help better assess our overall liquidity position, and make strategic decisions, including those relating to operating expenses and the allocation of internal resources.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Risks & headwinds

You should carefully consider the foregoing factors and the other risks and uncertainties set forth in the section titled Risk Factors in our last annual report on Form 10-K, as filed with the Securities and Exchange Commission, and those that are included in any of our future filings with the Securities and Exchange Commission.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

These forward-looking statements are based on information available as of the date hereof and current expectations, forecasts and assumptions, and involve a number of judgments, risks and uncertainties.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

As a result of a number of known and unknown risks and uncertainties, our actual results or performance may be materially different from those expressed or implied by these forward-looking statements.

SEC original ↗SoFi Technologies — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials
Documents

Filings

31 documents

Earnings releases

8 documents

Presentations

0 documents

No presentations for SoFi Technologies are held in this edition of the library.

Transcripts

0 documents

No transcripts for SoFi Technologies are held in this edition of the library.

Mentioned by

3 companies

Other tracked companies whose held documents mention SoFi Technologies by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.