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SoFi Technologies (SOFI) investor relations material
SoFi Technologies Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Achieved record Q3 2025 results with adjusted net revenue of $950 million (up 38% YoY), adjusted EBITDA of $277 million (29% margin), and net income of $139 million (14% margin), marking the eighth consecutive profitable quarter.
Added 905,000 new members (up 35% YoY) and 1.4 million new products (up 36% YoY), reaching 12.6 million members and 18.6 million products.
Fee-based revenue reached $409 million, up 50% YoY, now 43% of adjusted net revenue, reflecting a shift to capital-light streams.
Non-lending segments (financial services and tech platform) generated $534 million in revenue, now 56% of total, up 57% YoY.
Management raised full-year 2025 guidance, reflecting confidence in continued growth and profitability.
Financial highlights
GAAP net revenue grew 38% YoY to $961.6 million; adjusted net revenue also up 38% YoY to $950 million; adjusted EBITDA was $277 million (29% margin).
GAAP net income reached $139 million (14% margin); adjusted EPS for Q3 was $0.11.
Fee-based revenue reached $409 million, up 50% YoY; financial services and tech platform revenue: $534 million (up 57% YoY).
Tangible book value rose to $7.2 billion, more than doubling in two years, with per share value at $5.97 (up 46% YoY).
Total deposits grew by $3.4 billion to $32.9 billion.
Outlook and guidance
Raised full-year 2025 guidance: 3.5 million new members (34% YoY growth), adjusted net revenue of ~$3.54 billion (36% YoY), adjusted EBITDA of ~$1.035 billion (29% margin), adjusted net income of ~$455 million, and adjusted EPS of ~$0.37.
Q4 adjusted EPS expected at $0.12; tangible book value growth for 2025 now guided to $2.5 billion.
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Detail factors supporting 7-8% personal loan loss.
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SoFi's investment strategy and 30% EBITDA margin target.
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Next SoFi Technologies earnings date
Q4 202526 Jan, 2026
Next SoFi Technologies earnings date
Q4 202526 Jan, 2026
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Frequently asked questions
Providing a wide range of digital financial services
SoFi is a financial technology company that provides a range of digital financial services, including personal loans, student loan refinancing, mortgages, investing, and banking. The company's mission is to help people achieve financial independence and reach their financial goals. Some other companies in the financial technology space include PayPal, Block (formerly Square), and Robinhood.
The three main business segments
SoFi operates through three main business segments: Lending, Investing, and Money.
The Lending segment provides personal loans, student loan refinancing, and mortgages to its customers.
The Investing segment provides investment products such as stocks, exchange-traded funds (ETFs), and cryptocurrencies.
The Money segment provides cash management and banking services.
Interesting facts about SoFi
SoFi was founded in 2011 and is headquartered in San Francisco, California. The company has a growing presence in the financial industry, with more than 3.5 million members. SoFi has also entered into partnerships with major financial institutions, including Fidelity and Coinbase, to expand its reach and capabilities. An interesting fact about SoFi is that the company recently went public through a merger with a special purpose acquisition company (SPAC), a type of investment vehicle used to take companies public without the traditional initial public offering (IPO) process.
Additionally, SoFi is one of the few fintech companies that has obtained a national bank charter, which allows it to provide banking services to its customers.
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