SoFi Q3 2025 Earnings — $950 M Revenue | $0.11 EPS | Guidance Raised | Fintech Breakout 🔥|

Описание: SoFi Q3 2025 Earnings — $950 M Revenue | $0.11 EPS | Guidance Raised | Fintech Breakout 🔥

Disclaimer: This is not financial advice. Do your own research; investing involves risk.

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Hey guy, your girl Su here once again — and SoFi just delivered its strongest quarter ever.

📊 Q3 2025 Highlights:

Revenue: $950 Million (+38 % YoY)

GAAP Net Income: $139 Million (14 % margin)

EPS: $0.11 — up from $0.03 a year ago

Adjusted EBITDA: $277 Million (29 % margin)

Deposits: $33 B (+ $3.4 B QoQ)

Members: 12.6 M (+ 905 k QoQ)

Products: 18.6 M (+ 1.4 M QoQ)

FY Guidance Raised: Revenue $3.54 B | EPS $0.37 | EBITDA $1.03 B

💥 SoFi beat Wall Street expectations again — marking eight straight profitable quarters and proving fintech is scaling faster than the big banks.

In this video, I break down:
1️⃣ How SoFi grew 38 % year over year in a slowing economy.
2️⃣ Why fee-based revenue jumped 50 % and now makes up 43 % of total revenue.
3️⃣ What the raised guidance means for $SOFI stock targets.
4️⃣ How deposit growth and lower funding costs widen margins.
5️⃣ Why SoFi’s fintech model is now the benchmark for modern banking.

🧠 Key Takeaways

✅ Record Revenue and Profitability
✅ Strong Deposits & Lending Spread (9.1 % yield vs 3.4 % cost)
✅ 8 Profitable Quarters in a Row
✅ Raised Full-Year Guidance Again
✅ AI and Fintech Innovation Driving Next Phase of Growth

📈 If SoFi keeps this pace, analysts expect inclusion in the S&P 500 and another round of price-target upgrades.

🗓️ Timestamps

00:00 Intro — The Fintech Breakout
00:30 Revenue & Profit Explosion
01:00 Deposits and Lending Engine
01:45 Segment Performance & Margins
02:20 Member & Product Growth
02:55 Capital Strength and Returns
03:30 Innovation and AI Expansion
04:00 Guidance Raised & Outlook
04:40 The Takeaway & Next Catalyst

💬 Comment Below: Do you think this beat pushes $SOFI into the S&P 500 next year?
Hit 👍 if you’re bullish and subscribe for my full analyst-reaction video.

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