SoFi Technologies, Inc. Q3 2025 Earnings Recap

SOFI Q3 2025 October 28, 2025

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SoFi Technologies reported a remarkable Q3 2025, highlighting a record membership growth and substantial revenue increase, driven by strategic investments in product innovation and brand expansion.

Earnings Per Share Beat

$0.11 vs $0.08 est.

+32.0% surprise

Revenue Beat

961600000 vs 888909910 est.

+8.2% surprise

Market Reaction

1-Day +5.53%

5-Day -1.07%

30-Day -10.93%

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Key Takeaways

Achieved a record 905,000 new members, propelling total membership to 12.6 million, a 35% year-over-year increase.
Adjusted net revenue reached $950 million, a 38% year-over-year growth, with Financial Services and Technology Platform segments generating $534 million—a 57% increase.
Record total originations of $9.9 billion in Q3, with strong performance from both lending and loan platform businesses.
Adjusted EBITDA rose to a record $277 million, up nearly 50% year-over-year, reflecting a strong EBITDA margin of 29%.
Launched SoFi Pay, a blockchain-enabled payment product, tapping into the technology super cycles in AI and blockchain.

This summary was generated by AI from the official earnings call transcript and is provided for informational purposes only. It does not constitute financial advice. For the complete transcript and financial data, visit SOFI on AllInvestView.

Next Q1 2026