SOFI Stock Q3 2025: Record $950 Million Adjusted Revenue & $139 Million Net Income

Описание: SoFi Technologies (SOFI) Q3 2025 Earnings: Record Revenue, Profits, and Accelerated Growth | Anthony Noto Commentary

SoFi Technologies, Inc. delivered an exceptional **Third Quarter 2025**, achieving record financial results fueled by innovation and the **one-stop shop strategy**. This video explores the key performance indicators, strategic developments in AI and Crypto, and the updated 2025 financial guidance.

*Q3 2025 Key Financial Highlights:*

SoFi achieved *Record Net Revenue of $962 Million* and **Record Adjusted Net Revenue of $950 million**, marking a 38% year-over-year increase.
The company reported its **eighth consecutive quarter of GAAP profitability**.
**Net Income was $139 million**.
**Adjusted EBITDA reached a record $277 million**, up 49% year-over-year, achieving a 29% Adjusted EBITDA margin.
**Record Adjusted EPS was $0.11**.
*Fee-based Revenue* grew 50% year-over-year to a record **$409 million**, now generating over $1.6 billion on an annualized basis.
The Financial Services and Technology Platform segments together generated **$534.2 million of net revenue**, an increase of 57% from the prior year period.

*Member and Product Ecosystem Growth:*

SoFi continues to execute its strategy built around the **Financial Services Productivity Loop (FSPL)**.

*Total Member Growth* increased 35% year-over-year to a record **12.6 million members**. A record 905,000 new members joined in Q3 2025.
*Total Product Growth* increased 36% year-over-year to a record **18.6 million products**. A record 1.4 million new products were added.
**Cross-buy reached its highest level since 2022**, with approximately **40% of new products opened by existing SoFi members**. This metric has increased for four consecutive quarters.
Total deposits grew \$3.4 billion sequentially to nearly **\$33 billion**. Approximately 90% of SoFi Money deposits come from direct deposit members.

*Lending and Credit Performance:*

The Lending segment saw robust performance and continued strong credit quality.

*Record total loan originations of $9.9 billion* were achieved, up 57% year-over-year.
*Personal loan originations* reached an all-time high of **$7.5 billion**. This included \$3.4 billion originated through the Loan Platform Business (LPB).
The Loan Platform Business (LPB) is now running at an annualized pace of over *$13 billion of originations* and **$660 million of high-margin, high-return, fee-based revenue**.
Credit performance remained strong: the *Personal Loan annualized charge-off rate decreased by more than 20-basis points* to 2.60% compared to the prior quarter.
Student loan originations increased 58% to \$1.5 billion. Student loan annualized charge-off rate also declined by more than 20 basis points to 0.69%.

*Innovation Focus: AI and Blockchain:*

SoFi is accelerating innovation in key technology super cycles.

*AI Innovations:* SoFi launched its *AI-powered Cash Coach* to help members optimize their cash usage, with plans for a more comprehensive *SoFi Coach* in 2026. AI technology is also being used to streamline operations and enhance member service tools.
*Blockchain & Crypto:* SoFi launched fast, low-cost international remittances through the blockchain with *SoFi Pay**, initially sending money to Mexico, with planned rollouts in Europe and South America. SoFi Crypto is launching later this year, allowing members to buy, sell, and hold dozens of tokens directly in the app, funded instantly from their FDIC-insured SoFi Money account. Plans include the launch of the **SoFi USD stablecoin* in 2026.

*Revised 2025 Full-Year Guidance:*

Management raised its 2025 guidance based on strong performance.

Expected *Adjusted Net Revenue* increased to approximately *$3.54 billion* (36% annual growth).
Expected *Adjusted EBITDA* increased to approximately *$1.035 billion* (29% margin).
Expected *Adjusted Net Income* increased to approximately **$455 million**.
Expected *Adjusted EPS* increased to approximately *$0.37* per share.
Expected *Tangible Book Value growth* increased to approximately *$2.5 billion* for the year.

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