SoFi Technologies Second Quarter 2025 Earnings: Beats Expectations

July 31, 2025

SoFi Technologies (NASDAQ:SOFI) Second Quarter 2025 Results

Key Financial Results

Revenue: US$844.9m (up 44% from 2Q 2024).
Net income: US$97.3m (up by US$89.3m from 2Q 2024).
Profit margin: 12% (up from 1.4% in 2Q 2024). The increase in margin was driven by higher revenue.
EPS: US$0.088 (up from US$0.008 in 2Q 2024).

AI is about to change healthcare. These 20 stocks are working on everything from early diagnostics to drug discovery. The best part - they are all under $10bn in marketcap - there is still time to get in early.

earnings-and-revenue-growth — NasdaqGS:SOFI Earnings and Revenue Growth July 31st 2025

All figures shown in the chart above are for the trailing 12 month (TTM) period

SoFi Technologies Revenues and Earnings Beat Expectations

Revenue exceeded analyst estimates by 6.7%. Earnings per share (EPS) also surpassed analyst estimates by 34%.

Looking ahead, revenue is forecast to grow 20% p.a. on average during the next 3 years, compared to a 15% growth forecast for the Consumer Finance industry in the US.

Performance of the American Consumer Finance industry.

The company's shares are up 1.4% from a week ago.

Balance Sheet Analysis

While it's very important to consider the profit and loss statement, you can also learn a lot about a company by looking at its balance sheet. See our latest analysis on SoFi Technologies' balance sheet health.

The New Payments ETF Is Live on NASDAQ:

Money is moving to real-time rails, and a newly listed ETF now gives investors direct exposure. Fast settlement. Institutional custody. Simple access.

Explore how this launch could reshape portfolios

New: Manage All Your Stock Portfolios in One Place

We've created the ultimate portfolio companion for stock investors, and it's free.

• Connect an unlimited number of Portfolios and see your total in one currency
• Be alerted to new Warning Signs or Risks via email or mobile
• Track the Fair Value of your stocks

Try a Demo Portfolio for Free

Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.