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SOFI Stock Declines 2.4% Since Q2 Earnings & Revenue Beat
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Key Takeaways
Q2 revenues jumped 43% to $858.2M; EPS of 8 cents beat by 33.3% and more than doubled YoY.
2025 revenue guidance raised to $3.375B; EPS now seen at $0.31 vs. the prior $0.27-$0.28 outlook.
Financial Services revenues more than doubled. Lending rose 30%, and Tech Platform grew 15%.
SOFI Technologies, Inc. (SOFI - Free Report) reported impressive second-quarter 2025 results, wherein both earnings and revenues beat the Zacks Consensus Estimate.
However, the better-than-expected results failed to impress the market, as the company’s shares have declined 2.4% since the earnings release on July 29.
Quarterly adjusted earnings of 8 cents per share surpassed the Zacks Consensus Estimate by 33.3% and increased more than 100% from the year-ago quarter. Revenues of $858.2 million beat the consensus estimate by 6.6% and gained 43.4% on a year-over-year basis.
SoFi Technologies, Inc. Price, Consensus and EPS Surprise
The Financial Services segment’s net revenues of $362.5 million increased more than 100% year over year in the June-end quarter of 2025.
The Technology Platform segment and Lending segment’s revenues totaled $109.8 million and $443.5 million, respectively, marking an increase of 15% and 30% year over year.
In the second quarter of 2025, SoFi's Loan Platform Business contributed $130.6 million to the company's consolidated adjusted net revenues. Of this amount, $127.4 million was generated by originating $2.4 billion in personal loans on behalf of third parties and referring clients to third parties.
SOFI’s Margins Contract
Adjusted EBITDA came in at $249.1 million in the second quarter of 2025, which increased 80.6% from the prior-year period's $137.9 million. The adjusted EBITDA margin of 29% improved 600 basis points year over year.
SOFI’s Key Balance Sheet and Cash Flow Figures
SoFi ended the quarter with a cash and cash equivalent balance of $2.1 billion compared with $2.5 billion at the end of the December-end quarter of 2024.
SOFI’s 2025 Guidance
For full-year 2025, SOFI expects to deliver revenues of approximately $3.375 billion, which is $65 million higher than the top end of the prior guidance range of $3.235-$3.310 billion. The Zacks Consensus Estimate for the same is pegged at $3.28 billion.
Management expects adjusted EBITDA of approximately $960 million, above the prior guidance of $875 to $895 million. This represents an EBITDA margin of 28%.
SoFi now expects 2025 EPS to be approximately 31 cents, higher than the prior guidance of $0.27 to $0.28, as well as the Zacks Consensus Estimate of 28 cents.
SoFi expects GAAP net income of approximately $370 million, above the prior guidance of $320 to $330 million.
Moreover, the tax rate of 26% is expected for the remainder of the year. Management expects growth in the tangible book value of approximately $640 million and to add at least 3.0 million new members in 2025, which represents approximately 30% growth from the 2024 levels.
Fiserv, Inc. (FI - Free Report) reported mixed second-quarter 2025 results, wherein earnings beat the Zacks Consensus Estimate, but revenues missed the same.
FI’s adjusted earnings per share of $2.47 topped the consensus mark by 2.5% and rose 16% year over year. Adjusted revenues of $5.2 billion missed the consensus estimate by a slight margin but gained 1.7% on a year-over-year basis.
The Interpublic Group of Companies, Inc. (IPG - Free Report) reported impressive second-quarter 2025 results. Both earnings and revenues beat the Zacks Consensus Estimate.
IPG’s adjusted earnings of 75 cents per share surpassed the Zacks Consensus Estimate by 36.4% and jumped 23% from the year-ago quarter. Revenues before billable expenses (net revenues) of $2.2 billion beat the consensus estimate by a slight margin but declined 19.8% year over year. Total revenues of $2.5 billion decreased 7.2% year over year but outpaced the Zacks Consensus Estimate of $2.2 billion.
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SOFI Stock Declines 2.4% Since Q2 Earnings & Revenue Beat
Key Takeaways
SOFI Technologies, Inc. (SOFI - Free Report) reported impressive second-quarter 2025 results, wherein both earnings and revenues beat the Zacks Consensus Estimate.
However, the better-than-expected results failed to impress the market, as the company’s shares have declined 2.4% since the earnings release on July 29.
Quarterly adjusted earnings of 8 cents per share surpassed the Zacks Consensus Estimate by 33.3% and increased more than 100% from the year-ago quarter. Revenues of $858.2 million beat the consensus estimate by 6.6% and gained 43.4% on a year-over-year basis.
SoFi Technologies, Inc. Price, Consensus and EPS Surprise
SoFi Technologies, Inc. price-consensus-eps-surprise-chart | SoFi Technologies, Inc. Quote
Q2 Revenue Details of SOFI
The Financial Services segment’s net revenues of $362.5 million increased more than 100% year over year in the June-end quarter of 2025.
The Technology Platform segment and Lending segment’s revenues totaled $109.8 million and $443.5 million, respectively, marking an increase of 15% and 30% year over year.
In the second quarter of 2025, SoFi's Loan Platform Business contributed $130.6 million to the company's consolidated adjusted net revenues. Of this amount, $127.4 million was generated by originating $2.4 billion in personal loans on behalf of third parties and referring clients to third parties.
SOFI’s Margins Contract
Adjusted EBITDA came in at $249.1 million in the second quarter of 2025, which increased 80.6% from the prior-year period's $137.9 million. The adjusted EBITDA margin of 29% improved 600 basis points year over year.
SOFI’s Key Balance Sheet and Cash Flow Figures
SoFi ended the quarter with a cash and cash equivalent balance of $2.1 billion compared with $2.5 billion at the end of the December-end quarter of 2024.
SOFI’s 2025 Guidance
For full-year 2025, SOFI expects to deliver revenues of approximately $3.375 billion, which is $65 million higher than the top end of the prior guidance range of $3.235-$3.310 billion. The Zacks Consensus Estimate for the same is pegged at $3.28 billion.
Management expects adjusted EBITDA of approximately $960 million, above the prior guidance of $875 to $895 million. This represents an EBITDA margin of 28%.
SoFi now expects 2025 EPS to be approximately 31 cents, higher than the prior guidance of $0.27 to $0.28, as well as the Zacks Consensus Estimate of 28 cents.
SoFi expects GAAP net income of approximately $370 million, above the prior guidance of $320 to $330 million.
Moreover, the tax rate of 26% is expected for the remainder of the year. Management expects growth in the tangible book value of approximately $640 million and to add at least 3.0 million new members in 2025, which represents approximately 30% growth from the 2024 levels.
Currently, SOFI carries a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Earnings Snapshot
Fiserv, Inc. (FI - Free Report) reported mixed second-quarter 2025 results, wherein earnings beat the Zacks Consensus Estimate, but revenues missed the same.
FI’s adjusted earnings per share of $2.47 topped the consensus mark by 2.5% and rose 16% year over year. Adjusted revenues of $5.2 billion missed the consensus estimate by a slight margin but gained 1.7% on a year-over-year basis.
The Interpublic Group of Companies, Inc. (IPG - Free Report) reported impressive second-quarter 2025 results. Both earnings and revenues beat the Zacks Consensus Estimate.
IPG’s adjusted earnings of 75 cents per share surpassed the Zacks Consensus Estimate by 36.4% and jumped 23% from the year-ago quarter. Revenues before billable expenses (net revenues) of $2.2 billion beat the consensus estimate by a slight margin but declined 19.8% year over year. Total revenues of $2.5 billion decreased 7.2% year over year but outpaced the Zacks Consensus Estimate of $2.2 billion.