SoFi Technologies (SOFI) Company Report

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%.

1 day ago

Transcript

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.

1 day ago

Transcript

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%.

1 day ago

Transcript

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

Transcript

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

Transcript

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

Transcript

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

Morningstar

SoFi Bank Launches Crypto Trading for Consumers

SOFI

Product Launch

New Projects/Investments

SoFi Bank has become the first and only nationally chartered bank to launch crypto trading for consumers, enabling members to buy, sell, and hold dozens of cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), and Solana (SOL), within a single app.
The new SoFi Crypto platform offers bank-grade stability and security, allowing members to instantly purchase crypto assets using funds from their SoFi Money Checking or Savings accounts.
This launch is part of SoFi's broader strategy to integrate blockchain innovation throughout its ecosystem, with future plans to introduce a USD stablecoin and integrate crypto into its lending and infrastructure services.

Nov 11, 2025, 1:00 PM

Press Release

SoFi Reports Q3 Results and Expands Financial Services

SOFI

Earnings

Product Launch

New Projects/Investments

SoFi reported $950 million in net revenue for Q3.
The company achieved 35% year-over-year member growth, reaching 12.6 million members in Q3.
SoFi is expanding its financial product offerings, incorporating blockchain-based remittances and AI-driven financial wellness tools, positioning itself as a competitive alternative to traditional banks and an infrastructure provider for fintechs and financial institutions.

Oct 28, 2025, 7:10 PM

Morningstar

SoFi Technologies Reports Record Q3 2025 Financial Results and Raises Full-Year 2025 Guidance

SOFI

Earnings

Guidance Update

Product Launch

SoFi Technologies reported record Q3 2025 adjusted net revenue of $950 million, a 38% year-over-year increase, with adjusted EBITDA of $277 million (up nearly 50% year over year) and net income of $139 million, resulting in $0.11 earnings per share.
The company achieved record growth in Q3 2025, adding 905,000 new members (totaling 12.6 million, up 35% year over year) and 1.4 million new products (totaling over 18.6 million, up 36% year over year), while total originations reached a record $9.9 billion.
SoFi raised its full-year 2025 guidance, now expecting to add approximately 3.5 million members and achieve adjusted net revenue of approximately $3.54 billion.
Key strategic initiatives include the relaunch of crypto asset trading, the upcoming launch of the SoFi Smart Card, and the expansion of AI-driven tools like the Cash Coach and a more comprehensive SoFi Coach in 2026.
The company maintained strong credit performance, with net charge-off rates improving by more than 20 basis points in Q3 for both personal and student loans, focusing on high prime and super prime borrowers.

Oct 28, 2025, 12:00 PM

Transcript

Earnings Transcripts

Quarterly earnings call transcripts for SoFi Technologies.

Ask Fintool AI Agent

Get instant answers from SEC filings, earnings calls & more

What did Anthony Noto say about margins?What are SoFi Technologies's strategic priorities?How is SoFi Technologies positioned vs competitors?How did SoFi Technologies do last quarter?

Let Fintool AI Agent track SoFi Technologies's earnings for you

Get instant analysis when filings drop