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SoFi Technologies (SOFI) Up 14.1% Since Last Earnings Report: Can It Continue?
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It has been about a month since the last earnings report for SoFi Technologies, Inc. (SOFI - Free Report) . Shares have added about 14.1% in that time frame, outperforming the S&P 500.
But investors have to be wondering, will the recent positive trend continue leading up to its next earnings release, or is SoFi Technologies due for a pullback? Well, first let's take a quick look at the latest earnings report in order to get a better handle on the recent drivers for SoFi Technologies, Inc. before we dive into how investors and analysts have reacted as of late.
SOFI Beats Q2 Earnings Estimates
SoFi Technologies reported impressive second-quarter 2025 results, wherein both earnings and revenues beat the Zacks Consensus Estimate.
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.
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.
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.
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.
How Have Estimates Been Moving Since Then?
It turns out, fresh estimates have trended upward during the past month.
The consensus estimate has shifted 17.15% due to these changes.
VGM Scores
Currently, SoFi Technologies has a subpar Growth Score of D, though it is lagging a bit on the Momentum Score front with an F. Following the exact same course, the stock was allocated a score of F on the value side, putting it in the lowest quintile for this investment strategy.
Overall, the stock has an aggregate VGM Score of F. If you aren't focused on one strategy, this score is the one you should be interested in.
Outlook
Estimates have been trending upward for the stock, and the magnitude of these revisions looks promising. It comes with little surprise SoFi Technologies has a Zacks Rank #2 (Buy). We expect an above average return from the stock in the next few months.
Performance of an Industry Player
SoFi Technologies belongs to the Zacks Financial - Miscellaneous Services industry. Another stock from the same industry, American Express (AXP - Free Report) , has gained 6.3% over the past month. More than a month has passed since the company reported results for the quarter ended June 2025.
American Express reported revenues of $17.86 billion in the last reported quarter, representing a year-over-year change of +9.3%. EPS of $4.08 for the same period compares with $3.49 a year ago.
American Express is expected to post earnings of $3.90 per share for the current quarter, representing a year-over-year change of +11.8%. Over the last 30 days, the Zacks Consensus Estimate has changed -0.7%.
The overall direction and magnitude of estimate revisions translate into a Zacks Rank #3 (Hold) for American Express. Also, the stock has a VGM Score of C.
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SoFi Technologies (SOFI) Up 14.1% Since Last Earnings Report: Can It Continue?
It has been about a month since the last earnings report for SoFi Technologies, Inc. (SOFI - Free Report) . Shares have added about 14.1% in that time frame, outperforming the S&P 500.
But investors have to be wondering, will the recent positive trend continue leading up to its next earnings release, or is SoFi Technologies due for a pullback? Well, first let's take a quick look at the latest earnings report in order to get a better handle on the recent drivers for SoFi Technologies, Inc. before we dive into how investors and analysts have reacted as of late.
SOFI Beats Q2 Earnings Estimates
SoFi Technologies reported impressive second-quarter 2025 results, wherein both earnings and revenues beat the Zacks Consensus Estimate.
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.
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.
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.
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.
How Have Estimates Been Moving Since Then?
It turns out, fresh estimates have trended upward during the past month.
The consensus estimate has shifted 17.15% due to these changes.
VGM Scores
Currently, SoFi Technologies has a subpar Growth Score of D, though it is lagging a bit on the Momentum Score front with an F. Following the exact same course, the stock was allocated a score of F on the value side, putting it in the lowest quintile for this investment strategy.
Overall, the stock has an aggregate VGM Score of F. If you aren't focused on one strategy, this score is the one you should be interested in.
Outlook
Estimates have been trending upward for the stock, and the magnitude of these revisions looks promising. It comes with little surprise SoFi Technologies has a Zacks Rank #2 (Buy). We expect an above average return from the stock in the next few months.
Performance of an Industry Player
SoFi Technologies belongs to the Zacks Financial - Miscellaneous Services industry. Another stock from the same industry, American Express (AXP - Free Report) , has gained 6.3% over the past month. More than a month has passed since the company reported results for the quarter ended June 2025.
American Express reported revenues of $17.86 billion in the last reported quarter, representing a year-over-year change of +9.3%. EPS of $4.08 for the same period compares with $3.49 a year ago.
American Express is expected to post earnings of $3.90 per share for the current quarter, representing a year-over-year change of +11.8%. Over the last 30 days, the Zacks Consensus Estimate has changed -0.7%.
The overall direction and magnitude of estimate revisions translate into a Zacks Rank #3 (Hold) for American Express. Also, the stock has a VGM Score of C.