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SoFi Technologies (SOFI) Reports Q2 Earnings: What Key Metrics Have to Say
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For the quarter ended June 2025, SoFi Technologies, Inc. (SOFI - Free Report) reported revenue of $858.23 million, up 43.8% over the same period last year. EPS came in at $0.08, compared to $0.01 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $805.44 million, representing a surprise of +6.55%. The company delivered an EPS surprise of +33.33%, with the consensus EPS estimate being $0.06.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how SoFi Technologies performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Total Accounts - Technology Platform segment: 160.05 million versus the three-analyst average estimate of 164.72 million.
Total Products - Financial Services segment: 14.86 million versus 14.72 million estimated by three analysts on average.
Members: 11.75 million compared to the 11.01 million average estimate based on two analysts.
Total Products: 17.14 million versus 17.29 million estimated by two analysts on average.
Net Interest Income: $517.84 million compared to the $514.83 million average estimate based on four analysts.
Total Noninterest Income: $337.11 million versus $295.7 million estimated by four analysts on average.
Total Interest Income: $792.41 million compared to the $784.53 million average estimate based on three analysts.
Other: $48.05 million versus the three-analyst average estimate of $38.77 million.
Technology products and solutions: $90.8 million compared to the $91.42 million average estimate based on three analysts.
Loan origination, sales, and securitizations: $70.86 million versus $58.22 million estimated by three analysts on average.
Total Adjusted net revenue- Lending: $446.8 million versus the two-analyst average estimate of $428.27 million.
Contribution profit (loss)- Lending: $244.71 million versus the two-analyst average estimate of $247.27 million.
Shares of SoFi Technologies have returned +15.4% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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SoFi Technologies (SOFI) Reports Q2 Earnings: What Key Metrics Have to Say
For the quarter ended June 2025, SoFi Technologies, Inc. (SOFI - Free Report) reported revenue of $858.23 million, up 43.8% over the same period last year. EPS came in at $0.08, compared to $0.01 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $805.44 million, representing a surprise of +6.55%. The company delivered an EPS surprise of +33.33%, with the consensus EPS estimate being $0.06.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how SoFi Technologies performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for SoFi Technologies here>>>
Shares of SoFi Technologies have returned +15.4% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.