TLDR
- SoFi reported third-quarter adjusted earnings of 11 cents per share, beating analyst expectations of 8 cents
- The company raised its full-year adjusted net revenue guidance to $3.54 billion, up from $3.375 billion
- SoFi added a record 905,000 new members in the quarter, bringing total membership to 12.6 million
- Total loan originations grew 57% to $9.9 billion, with personal loans hitting an all-time high of $7.5 billion
- The company plans to launch cryptocurrency trading and its own stablecoin by the end of 2025
SoFi Technologies posted strong third-quarter results that topped Wall Street forecasts across the board. The fintech reported adjusted earnings of 11 cents per share on adjusted net revenue of $950 million.
$SOFI delivered 😏
• Sales $962M vs Est. $891M
• EPS $0.11 vs Est. $0.09
• Adj EBITDA 29%
• New Members +34% YoY to at least 3.5MFY25 Guidance
• Sales $3.54B vs Est. $3.45B
• EPS $0.37 vs Est. $0.32
• GAAP Net $455M pic.twitter.com/iB2h5jWyFB— Shay Boloor (@StockSavvyShay) October 28, 2025
Analysts had expected earnings of 8 cents per share on revenue of $889 million. The stock climbed 5.6% to close at $31.67 following the report.
This marks another quarter of growth for the San Francisco-based company. Shares have advanced 91% in 2025 and nearly 186% over the past 12 months.
The lending business showed particular strength during the quarter. Total loan originations jumped 57% to $9.9 billion.
Personal loan originations reached an all-time high of $7.5 billion. Student loan originations, which formed the core of SoFi’s original business model, rose 58% to $1.5 billion.
Home loan originations totaled nearly $945 million. This figure included $352 million in home equity loans.
Record Membership Growth
The company added 905,000 new members in the third quarter. This represents 35% growth from the same period last year.
Total membership now stands at around 12.6 million. The quarter marked a record for new member additions.
Existing customers drove much of the product growth. Cross-buy rates reached their highest level since 2022.
Roughly 40% of new products were opened by existing SoFi members. CEO Anthony Noto pointed to this metric as evidence of the company’s one-stop-shop strategy working.
“Our growth has been consistent,” Noto said in an interview. “It’s not that volatile like other companies and that’s a function of the fact that it’s broad-based and very profitable.”
Raised Guidance
SoFi increased its full-year outlook for the second time this year. The company now expects adjusted net revenue of $3.54 billion.
This represents a jump from previous guidance of $3.375 billion. The figure implies roughly 36% growth year-over-year and exceeds the $3.46 billion analysts expected.
The company also raised its adjusted Ebitda guidance to $1.035 billion, up from $960 million. Adjusted earnings guidance increased to roughly 37 cents per share from 31 cents.
Analysts polled by FactSet had been looking for 32 cents. The loan platform business delivered strong results in the quarter.
This segment originates loans both for SoFi’s own books and for partners who purchase them. Loan platform business originations reached $3.4 billion, up 250% year-over-year.
Truist analyst Matthew Coad called this “a capital-light way for SoFi to grow lending-related revenues.” He noted that demand from private credit partners for high-FICO score loans remains strong.
William Blair analyst Andrew Jeffrey said investors have been watching for signs of consumer health deterioration. However, he noted SoFi “continues to fire on all cylinders.”
The company saw improvements of more than 20 basis points in losses across personal and student loans. Delinquencies remained roughly stable from the previous quarter while core originations accelerated.
Return to Cryptocurrency
SoFi plans to re-enter the cryptocurrency space after a two-year break. The company launched international remittances through blockchain technology last quarter.
By the end of 2025, customers will be able to buy, sell, and hold various tokens in the SoFi app. The fintech also plans to launch its own stablecoin pegged to the U.S. dollar.
When asked about the timing of the crypto push, Noto cited both customer demand and technological advantages. “We know our members want to be able to buy a broad selection of assets and capabilities,” he said.
The CEO also sees blockchain as offering practical benefits. “We see it as a way to send payments faster, cheaper, and safer than using regular remittance,” Noto said.
The company previously offered cryptocurrency trading on its platform before pausing the service. The return comes as interest in digital assets has increased across the financial services industry.
SoFi has expanded well beyond its original student loan refinancing roots. The company now offers personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning tools.
Considering a new stock? You may want to see what’s on our watchlist first.
Our team at Knockout Stocks follows top-performing analysts and market-moving trends to spot potential winners early. We’ve identified five stocks gaining quiet attention that could be worth watching now. Create your free account to unlock the full report and get ongoing stock insights.Get 3 Free Stock Ebooks
Discover top-performing stocks in AI, Crypto, and Technology with expert analysis.
- Top 10 AI Stocks - Leading AI companies
- Top 10 Crypto Stocks - Blockchain leaders
- Top 10 Tech Stocks - Tech giants
