SoFi Technologies Second Quarter 2025 Earnings: Beats Expectations

Simply Wall St

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).

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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.

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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.