Earnings summaries and quarterly performance for SoFi Technologies.
Executive leadership at SoFi Technologies.
Anthony Noto
Detailed
Chief Executive Officer
CEO
AP
Arun Pinto
Detailed
Chief Risk Officer
CL
Christopher Lapointe
Detailed
Chief Financial Officer
ES
Eric Schuppenhauer
Detailed
Executive Vice President, Group Business Unit Leader, Borrow
JR
Jeremy Rishel
Detailed
Chief Technology Officer
KK
Kelli Keough
Detailed
Executive Vice President, Group Business Unit Leader, Spend Invest Protect and Save
SS
Stephen Simcock
Detailed
General Counsel
Board of directors at SoFi Technologies.
CL
Clara Liang
Detailed
Director
DG
Dana Green
Detailed
Director
GM
Gary Meltzer
Detailed
Director
JH
John Hele
Detailed
Director
MY
Magdalena Yeşil
Detailed
Director
RB
Ruzwana Bashir
Detailed
Director
SF
Steven Freiberg
Detailed
Vice Chairman of the Board
TH
Tom Hutton
Detailed
Chairman of the Board
WB
William Borden
Detailed
Director
Research analysts who have asked questions during SoFi Technologies earnings calls.
DD
Dan Dolev
Mizuho Financial Group
6 questions for SOFI
Also covers: ACN, ADP, AFRM +14 more
Kyle Peterson
Needham & Company
6 questions for SOFI
Also covers: AFRM, ALIT, AX +12 more
AJ
Andrew Jeffrey
William Blair & Company
5 questions for SOFI
Also covers: AFRM, CHYM, CPAY +6 more
Peter Christiansen
Citigroup Inc.
4 questions for SOFI
Also covers: ADP, ADT, ALIT +12 more
Devin Ryan
Citizens JMP
3 questions for SOFI
Also covers: AMTD, COIN, CRCL +19 more
Jeffrey Adelson
Morgan Stanley
3 questions for SOFI
Also covers: ALLY, AXP, BFH +6 more
JH
John Hecht
Jefferies
3 questions for SOFI
Also covers: AFRM, ARCC, CACC +22 more
KJ
Kyle Joseph
Jefferies
3 questions for SOFI
Also covers: AFRM, CACC, CRMT +14 more
MO
Moshe Orenbuch
TD Cowen
3 questions for SOFI
Also covers: AER, AFRM, AL +11 more
RS
Reggie Smith
JPMorgan Chase & Co.
3 questions for SOFI
Also covers: AFRM, BFH, CIFR +7 more
TM
Terry Ma
Barclays
3 questions for SOFI
Also covers: AER, AL, AXP +15 more
JH
John Heck
Jefferies
2 questions for SOFI
Also covers: COF, JCAP
MB
Mihir Bhatia
Bank of America
2 questions for SOFI
Also covers: ACT, AXP, BFH +11 more
RS
Reginald Smith
JPMorgan Chase & Co.
2 questions for SOFI
Also covers: AFRM, BETR, BFH +8 more
JG
Jill Glaser Shea
UBS
1 question for SOFI
Also covers: AFRM, BNS, RY +1 more
Recent press releases and 8-K filings for SOFI.
SoFi Bank Launches SoFiUSD Public Stablecoin
SOFI
Product Launch
New Projects/Investments
- SoFi Technologies has launched SoFiUSD, a fully reserved U.S. dollar stablecoin issued by SoFi Bank, N.A., described as the first national bank–issued stablecoin on a public, permissionless blockchain.
- The SoFiUSD token is backed 1:1 by cash reserves held at the Federal Reserve for immediate redemption and debuted on Ethereum.
- Initially, SoFiUSD will be used for internal settlement and is positioned as infrastructure for banks, fintechs, and enterprise partners, with broader availability to SoFi members planned in the coming months.
- The initial mint of SoFiUSD began with a $10,000 issuance on launch day, and SoFi is in advanced discussions with several institutions for its adoption.
6 days ago
SoFi Launches Fully Reserved Stablecoin
SOFI
Product Launch
New Projects/Investments
- SoFi Technologies, Inc. announced the launch of SoFiUSD, a fully reserved U.S. dollar stablecoin issued by SoFi Bank, N.A..
- SoFi is the first national bank to issue a stablecoin on a public, permissionless blockchain, aiming to serve as a stablecoin infrastructure provider for banks, fintechs, and enterprise partners.
- SoFiUSD is fully reserved 1:1 by cash for immediate redemption and is issued by an OCC-regulated insured depository institution, providing regulatory strength and reserve transparency.
- The stablecoin will enable faster and more efficient money movement with near-instant settlement, and will also be available to SoFi members for uses such as international remittance and everyday consumer point-of-sale purchases.
6 days ago
SoFi Technologies Announces Public Offering of Common Stock
SOFI
- SoFi Technologies, Inc. announced an underwritten public offering of $1.5 billion of its common stock on December 4, 2025.
- The offering consists of 54,545,454 shares priced at $27.50 per share, for total gross proceeds of approximately $1.5 billion.
- SoFi has granted the underwriters a 30-day option to purchase up to an additional 8,181,818 shares of common stock.
- The company intends to use the net proceeds for general corporate purposes, including enhancing its capital position, increasing optionality, and funding incremental growth and business opportunities.
- The offering is expected to close on December 8, 2025.
Dec 5, 2025, 2:38 AM
SoFi Technologies Raises 2025 Guidance and Highlights Key Growth Drivers
SOFI
Guidance Update
New Projects/Investments
Revenue Acceleration/Inflection
- SoFi Technologies raised its full-year 2025 guidance, projecting over 3.5 million new members and $3.54 billion in Adjusted Net Revenue, reflecting approximately 36% growth.
- Significant growth is attributed to the financial services business, with interchange and brokerage fees up 70% year-to-date, and the loan platform business, which has grown 4x year-to-date. The company's revenue mix has shifted, with 40% of total revenue now fee-based, up from a typical 25%.
- The loan platform business achieved $3.4 billion in originations on behalf of others last quarter, reaching a $13 billion run rate and generating $660 million in annualized revenue. Management expects Q4 LPB originations to increase relative to Q3.
- SoFi is actively investing in product innovation, including the relaunch of SoFi Crypto, the introduction of SoFi Pay for global remittance, and the upcoming SoFi Stablecoin, supported by its strong capital levels of approximately 20%.
Dec 3, 2025, 8:35 PM
SoFi Technologies Updates 2025 Guidance and Highlights Growth Drivers
SOFI
Guidance Update
Product Launch
New Projects/Investments
- SoFi Technologies raised its full-year 2025 guidance, now expecting to add over 3.5 million members and generate $3.54 billion of Adjusted Net Revenue, representing approximately 36% growth.
- The company's financial services business, including interchange and brokerage fees, is up 70% year to date, and the loan platform business is up 4x year to date, with $3.4 billion of originations last quarter and an annualized revenue run rate of $660 million.
- SoFi is making significant investments in product innovation, including the relaunch of SoFi Crypto, the introduction of SoFi Pay for global remittance, and the upcoming SoFi Stablecoin, alongside expanding its home loans product set.
- With capital levels around 20%, SoFi has significant flexibility for both organic growth and potential inorganic opportunities, though no M&A is imminent.
Dec 3, 2025, 8:35 PM
SoFi Technologies Raises 2025 Guidance Amid Strong Growth in Financial Services and Loan Platform Businesses
SOFI
Guidance Update
Revenue Acceleration/Inflection
New Projects/Investments
- SoFi Technologies raised its full-year 2025 guidance for revenue, EBITDA, income, EPS, and total members, projecting over 3.5 million new members and $3.54 billion in Adjusted Net Revenue (36% growth).
- The company reported strong growth in its financial services business, with interchange and brokerage fees up 70% year to date, and its loan platform business, which is up 4x year to date and operating at a $13 billion run rate. This contributed to a deliberate shift towards fee-based revenue, representing 40% of total revenue in the past quarter.
- SoFi is actively investing in product innovation, including the relaunch of SoFi Crypto, the introduction of SoFi Pay, and the upcoming SoFi Stablecoin, while maintaining a healthy net interest margin of 5.84% and strong capital levels of approximately 20%.
Dec 3, 2025, 8:35 PM
SoFi Technologies Reports Strong Financial Performance and Strategic Expansion into Crypto and AI
SOFI
Product Launch
New Projects/Investments
Revenue Acceleration/Inflection
- SoFi Technologies is on track to generate over $3.5 billion in revenue and has achieved profitability for eight consecutive quarters, with revenue growth plus EBITDA margin exceeding the Rule of 40 for 16 quarters at an average of 58%.
- The company has re-launched crypto trading and plans to introduce a SoFi USD stablecoin by January 2026, leveraging its national bank charter to provide a secure and trusted platform for digital assets.
- SoFi is integrating Artificial Intelligence (AI) across its operations to enhance customer engagement, achieve cost savings in areas like dispute resolution and fraud, and reduce customer acquisition costs through improved marketing.
- The company observes strong credit performance among its target demographic of higher-income, higher-credit customers, with $9 billion in total originations last quarter, and sees significant growth potential in home loans and student loan refinancing, particularly with declining interest rates.
Nov 11, 2025, 6:55 PM
SoFi Announces Crypto Trading Platform Launch and Strong Financial Performance
SOFI
Product Launch
New Projects/Investments
Revenue Acceleration/Inflection
- SoFi is on track to achieve over $3.5 billion in revenue, up from $250 million in 2018, and has been profitable for eight consecutive quarters. The company has grown to over 12 million members and 18 million products, with member growth at 35% and product growth at 36%.
- The company has significantly diversified its revenue streams, with lending now accounting for approximately 45% of total revenue, a substantial decrease from 100% in 2018.
- SoFi announced the launch of its crypto trading platform, making it the first national bank to offer crypto trading in the United States. The company also plans to introduce a SoFi USD stablecoin as part of a broader digital assets roadmap.
- SoFi is extensively utilizing AI for operational efficiencies, including faster account takeover remediation and dispute resolution, and for enhanced member engagement through features like Cash Coach and a forthcoming "Coach overall".
- The home loans business is projected to generate more revenue than student loan refinancing in the fourth quarter, indicating a significant shift in revenue contribution and successful expansion into new segments.
Nov 11, 2025, 6:55 PM
SoFi CEO Details Strategic Growth and Crypto Platform Launch
SOFI
Product Launch
Revenue Acceleration/Inflection
New Projects/Investments
- SoFi CEO Anthony Noto highlighted the company's significant growth, with revenue on track to exceed $3.5 billion and over 12 million members today, up from $250 million and 650,000 members in 2018.
- The company has achieved eight consecutive quarters of profitability and has exceeded the "Rule of 40" for 16 straight quarters with an average of 58%.
- SoFi announced the launch of a crypto-trading platform and the upcoming SoFi USD stablecoin, leveraging its national bank charter as the first national bank to offer crypto trading in the U.S..
- Key new initiatives include the recently launched SoFi Pay for international remittances and the development of AI-driven financial coaching tools like Cash Coach and "Coach".
- The company is seeing strong performance and opportunities in its diversified product offerings, with the home loans business expected to generate more revenue than student loan refinancing in Q4, and potential growth in Grad Plus loans.
Nov 11, 2025, 6:55 PM
SoFi Launches In-App Crypto Trading
SOFI
Product Launch
New Projects/Investments
Regulatory
- SoFi launched SoFi Crypto on November 11, 2025, becoming the first nationally chartered U.S. consumer bank to offer integrated in-app retail crypto trading.
- The service allows members to buy, sell, and hold dozens of cryptocurrencies, with a full rollout to its 12.6 million members expected by the end of 2025.
- This launch follows spring 2025 OCC and FDIC guidance clarifying that nationally chartered banks may custody, trade, and settle digital assets, which CEO Anthony Noto considers a decisive competitive advantage.
- SoFi plans to introduce a U.S. dollar stablecoin and further integrate crypto into its lending, remittances, payments, and institutional services.
- Market watchers anticipate other large banks will follow SoFi's move into integrated crypto services.
Nov 11, 2025, 1:05 PM
Quarterly earnings call transcripts for SoFi Technologies.
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