SoFi Reports Second Quarter 2025, Accelerates Net Revenue Growth to Record $855 Million, Record Member and Product Growth, and Net Income of $97 Million Adjusted Net Revenue up 44% to a record $858 million Adjusted EBITDA up 81% to a record $249 million Fee-based Revenue up 72% to a record $378 million Member growth up 34% to a record 11.7 million members Product growth up 34% to a record 17.1 million products Management Raises 2025 Guidance SAN FRANCISCO, Calif. – (BUSINESS WIRE) – July 29, 2025 – SoFi Tec ...

Company Overview - SoFi Technologies, a personal finance tech company, is scheduled to release its quarterly results before the market opens on Tuesday [1] Market Expectation - Traders anticipate a significant stock price movement following the earnings report [1]

Core Viewpoint - SoFi Technologies is expected to report earnings on July 29, 2025, with historical data indicating a positive stock performance following earnings reports, achieving a positive return in 69% of instances [2][7]. Earnings Expectations - Analysts predict earnings of $0.06 per share on revenue of $804 million for the upcoming report, compared to $0.02 per share on revenue of $597 million in the same quarter last year [3]. Company Financials - SoFi Technologies has a market capitalization of $23 billion and generated $2.8 billion in revenue over the last twelve months, reporting a net income of $482 million [4]. Historical Performance - Over the last five years, there have been 16 earnings data points for SoFi, with 11 positive and 5 negative one-day returns, resulting in a 69% rate of positive returns. This rate drops to 67% when considering the last three years [7]. Post-Earnings Strategy - Traders can consider pre-earnings positioning based on historical odds or analyze the correlation between immediate and medium-term returns post-earnings to guide trading decisions [6][8]. Correlation with Peers - The performance of peer companies can influence SoFi's post-earnings stock reaction, with historical data showing that pricing may begin before earnings announcements [9].

Core Insights - Green Dot (GDOT) and SoFi Technologies (SOFI) are competing U.S.-listed fintech firms in the digital banking sector, with Green Dot focusing on prepaid debit cards and Banking-as-a-Service (BaaS) solutions, while SoFi operates a full-stack digital banking platform offering various financial services [1][2] Green Dot's Case - Green Dot aims for long-term growth through strategic innovation and partnerships, issuing prepaid cards under its brand and co-branded offerings like Walmart MoneyCard [3] - The company leverages its proprietary technology and FDIC-insured banking license to provide BaaS, offering white-label solutions to major corporations such as Walmart, Uber, and Apple [4][5] - Green Dot's asset-light balance sheet allows for higher interchange margins and reduced reliance on interest income, enhancing operational efficiency and scalability [5] SoFi's Case - SoFi employs a land-and-expand strategy, attracting a growing customer base through a diverse range of financial services, which encourages partners to integrate their offerings [6] - The firm has extended its $2 billion Loan Platform Business agreement with Fortress Investment Group, focusing on personal loans and shifting towards fee-based revenues for more flexibility [7] - SoFi launched new credit cards to enhance its consumer finance footprint, with projections indicating 87% growth in EPS and 26% growth in sales for 2025 [8][10] Financial Estimates - Zacks Consensus Estimates indicate SoFi's 2025 sales will grow by 26% to $3.29 billion, with EPS expected to rise by 87% to $0.28 [10][12] - In contrast, Green Dot's 2025 sales are projected to increase by 20% to $2.05 billion, but EPS is expected to decline by 11% [13][15] Valuation Comparison - Green Dot is considered undervalued with a forward P/E of 7.65X compared to its median of 10.51X, while SoFi's higher forward P/E of 53.2X reflects strong investor confidence in its growth potential [16] Conclusion - SoFi is positioned as the stronger fintech player due to its aggressive growth strategy, national bank charter, and expanding product suite, while Green Dot's declining EPS outlook may limit its momentum [17]

Core Insights - SoFi Technologies Inc is set to release its second-quarter earnings report on July 29, with analysts expecting earnings of 6 cents per share and revenue of $805.44 million, indicating significant growth compared to the same quarter last year [1] Stock Performance - The stock has been on an upward trend since early April, reaching a three-year high of $22.74 on July 18, and is currently valued at $21.50, reflecting a year-to-date increase of 39.6% [2] Earnings History and Market Expectations - Historically, SoFi's stock has closed lower in only three of its last eight post-earnings sessions, although it experienced a notable 10.3% drop in January. The options market is anticipating an earnings swing of 11.3%, which is larger than the average 8.8% move over the past two years [4] Short Interest - Despite the recent stock price increase, short interest accounts for 14.3% of the available float, suggesting that a positive earnings report could lead to short covering and potentially drive the stock price higher [5]

Core Insights - SoFi Technologies, Inc. (SOFI) is aggressively pursuing scale and innovation to enhance profitability and lead in the fintech sector, evidenced by a 20% year-over-year increase in net sales and a remarkable 217% rise in net income in Q1 2025 [1][8] Business Strategy - SoFi has extended its $2 billion Loan Platform Business agreement with Fortress Investment Group, focusing on personal loans, indicating a strategic shift towards fee-based revenues that require less capital and provide more flexibility [2] - The company launched two new credit cards, SoFi Everyday Cash Rewards and SoFi Essential Credit Card, to deepen its consumer finance footprint and enhance user retention [3] Competitive Landscape - SoFi faces significant competition from fintech companies like Block and Upstart, with Block leveraging a vertically integrated model across consumer payment, business lending, and crypto, posing a threat to SoFi's growth [4] - Upstart is utilizing AI-driven lending algorithms to disrupt traditional lending, expanding into auto and small-dollar loans, which directly competes with SoFi's offerings [5] Market Performance - SoFi's stock has surged 40% year-to-date, significantly outperforming the industry average gain of 7%, reflecting strong market momentum [7][8] - The company's current forward P/E ratio stands at 53.41, more than double the industry average of 22.08, indicating high investor confidence but also necessitating flawless execution [9] Earnings Outlook - Earnings estimates for 2025 have been increasing over the past month, suggesting growing analyst confidence in SoFi's strategic direction [10] - Current earnings projections for the next quarters indicate a steady growth trajectory, with estimates for the current year at $0.28 and next year at $0.50 [11]

Core Viewpoint - SoFi Technologies, Inc. (SOFI) shows potential as a stock pick due to its recent technical indicators and positive earnings estimate revisions [1][3]. Technical Analysis - SOFI has surpassed resistance at the 20-day moving average, indicating a short-term bullish trend [1]. - The stock price has increased by 34.1% over the past four weeks, suggesting a positive momentum [2]. - A stock trading above the 20-day moving average is considered to have a positive trend, while falling below it can indicate a downward trend [2]. Earnings Estimates - There have been three upward revisions in earnings estimates for the current fiscal year, with no downward revisions in the past two months, indicating positive sentiment among analysts [3]. - The consensus estimate for SOFI has also increased, further supporting the bullish outlook [3]. Investment Consideration - Given the technical indicators and positive earnings revisions, SOFI is recommended for investors to consider adding to their watchlist [3].

Core Insights - SoFi is set to report its second-quarter earnings on July 29, with the stock having tripled over the past year, indicating strong performance [1][3] - The company has made significant announcements and has potential catalysts for rapid earnings growth in the coming years [3] Growth Metrics - In Q1 2025, SoFi added over 800,000 new members, the highest in a single quarter, suggesting continued growth in Q2 [4] - SoFi originated nearly $1.2 billion in student loans in Q1, reflecting a 58% year-over-year growth rate, with expectations for continued growth due to clearer student loan policies [5] - The loan platform business generated $1.56 billion in loan volume in Q1, indicating a fast-growing source of low-risk fee income [6] Future Catalysts - Increased IPO activity this year is expected to enhance SoFi's investment platform, providing everyday investors access to IPOs [7] - The return of cryptocurrency trading on SoFi's platform is a significant development, following previous regulatory uncertainties [8] - SoFi's home loan business grew 54% year-over-year in Q1, indicating strong demand in a slow mortgage market [9] Long-term Vision - SoFi aims to become a top 10 financial institution, requiring a tenfold increase in total assets, supported by accelerating growth and an expanding product ecosystem [10][11] - The company is currently not valued cheaply compared to traditional banks, but its revenue growth rate of 33% annually and new product launches position it favorably for long-term investors [10][11]

In the latest close session, SoFi Technologies, Inc. (SOFI) was up +2.76% at $21.56. This change outpaced the S&P 500's 0.78% gain on the day. Meanwhile, the Dow experienced a rise of 1.14%, and the technology-dominated Nasdaq saw an increase of 0.61%. Shares of the company have appreciated by 32.37% over the course of the past month, outperforming the Finance sector's gain of 4.63%, and the S&P 500's gain of 5.88%.The upcoming earnings release of SoFi Technologies, Inc. will be of great interest to investo ...

Core Insights - SoFi has experienced significant growth, tripling in value over the past year and achieving a record of 800,000 new members in the most recent quarter [1][2] Group 1: Market Opportunities - SoFi's loan platform is generating substantial capital-light fee income, and the company stands to benefit from recent student loan limitations in tax and spending legislation [2] - The U.S. housing market presents a $35 trillion opportunity, with homeowners currently holding an all-time high in home equity [5][7] - SoFi's home loan originations reached $518 million in the first quarter, marking a 476% increase from just $90 million in the first quarter of 2023 [9][10] Group 2: Home Loan Growth - Despite a challenging environment for home loans, SoFi has shown impressive growth in its home loan segment [11] - The potential for further growth is linked to mortgage rate reductions, which could stimulate refinancing and home equity lending [12][14] - SoFi offers competitive home equity lines of credit (HELOCs), allowing borrowing up to 90% of home equity, which could attract more customers as home equity levels are high [13]