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Jun 30
SoFi Q2 2025 Earnings Report
SoFi accelerated revenue and earnings growth with record net income and member additions.
Key Takeaways
SoFi delivered record adjusted net revenue and net income for Q2 2025, driven by strong performance across all segments, significant fee-based revenue growth, and an expanding member base.
Adjusted net revenue reached a record $858.2 million.
GAAP net income hit a record $97.3 million, seventh consecutive profitable quarter.
Added 850,000 new members, bringing total to 11.7 million.
Fee-based revenue reached an all-time high of $377.5 million, up 72% YoY.
SoFi
SoFi
SoFi Revenue by Segment
Revenue by Segment
Lending Revenue
CapyFin.comTechnology Platform Revenue
CapyFin.comFinancial Services Revenue
CapyFin.com Forward Guidance
Management raised 2025 guidance, expecting higher revenue, EBITDA, net income, and member growth.
Positive Outlook
- Adjusted net revenue guidance increased to $3.375 billion.
- Expected adjusted EBITDA raised to $960 million.
- GAAP net income guidance increased to $370 million.
- GAAP EPS guidance raised to $0.31 per share.
- Expecting 3 million new members in 2025.
Challenges Ahead
- No specific negatives mentioned in guidance update.
- Market-related assumptions pose uncertainty for GAAP reconciliations.
- Continued sensitivity to macroeconomic conditions.
- Regulatory risks remain relevant to operations.
- Unspecified costs like legal/advisory could impact results.