Fintech firm SoFi beats Q3 revenue estimates driven by one-stop shop strategy

SoFi Technologies

28/10/2025 11:16

Overview

SoFi Q3 adjusted net revenue beats analyst expectations, growing 38% yr/yr

Company reports record Q3 adjusted EBITDA of $277 mln, up 49% yr/yr

SoFi adds record 905,000 new members, total members up 35% yr/yr

Outlook

SoFi raises 2025 adjusted net revenue guidance to $3.54 bln, up $165 mln from prior

Company expects 2025 adjusted EBITDA of $1.035 bln, up from $960 mln prior

SoFi anticipates 2025 adjusted EPS of $0.37, up from $0.31 previously

Result Drivers

MEMBER AND PRODUCT GROWTH - SoFi added a record 905,000 new members and 1.4 million new products, driven by its one-stop shop strategy

FEE-BASED REVENUE - Record fee-based revenue of $409 mln, driven by strong performance from Loan Platform Business

LOAN ORIGINATIONS - Record loan originations of $9.9 bln, with personal loans reaching $7.5 bln

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 Revenue
$961.60 mln
Q3 Adjusted Revenue
Beat
$949.62 mln
$874.10 mln (15 Analysts)
Q3 EPS
$0.11
Q3 Net Income
$139.39 mln
Q3 Adjusted EBITDA
$276.88 mln


Analyst Coverage

The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 7 "strong buy" or "buy", 12 "hold" and 4 "sell" or "strong sell"

The average consensus recommendation for the consumer lending peer group is "buy."

Wall Street's median 12-month price target for SoFi Technologies Inc is $22.00, about 36.4% below its October 27 closing price of $30.00

The stock recently traded at 58 times the next 12-month earnings vs. a P/E of 46 three months ago

Press Release: ID:nBw8wPD8la

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)