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Sep 30
SoFi Q3 2025 Earnings Report
SoFi posted record adjusted revenue, net income, and member growth in Q3 2025.
Key Takeaways
SoFi delivered a strong Q3 2025, achieving record adjusted revenue of $949.63M and net income of $139.4M. Member and product growth also reached all-time highs, and loan originations hit $9.9B. The company raised full-year guidance driven by strength across its lending and financial services segments.
Adjusted net revenue reached a record $949.63 million
Net income came in at $139.4 million, marking the 8th consecutive quarter of GAAP profitability
SoFi added 905,000 new members, reaching 12.6 million total
Loan originations hit a record $9.9 billion, led by personal loans
SoFi
SoFi
SoFi Revenue by Segment
Revenue by Segment
Lending Revenue
CapyFin.comFinancial Services Revenue
CapyFin.comTechnology Platform Revenue
CapyFin.com Forward Guidance
Management raised full-year 2025 guidance across all key metrics including revenue, net income, and EPS due to strong performance in the first three quarters.
Positive Outlook
- Raised adjusted net revenue guidance to $3.54B from $3.375B
- Adjusted EBITDA guidance increased to $1.035B from $960M
- Adjusted EPS now expected at $0.37 vs. $0.31 prior
- Expected to add at least 3.5M new members in 2025
- Tangible book value growth guidance increased to $2.5B
Challenges Ahead
- Technology platform account growth declined 1% YoY
- Contribution margin in lending segment decreased YoY
- Average home loan balances fell 10% YoY
- Some pressure on average loan yields due to interest rate changes
- No clear breakout of international revenue or expansion