SoFi Technologies(SOFI) - 2025 Q3 - Earnings Call Presentation

Financial Performance Highlights - Record Adjusted Net Revenue reached $950 million, a 38% year-over-year increase[9] - Adjusted EBITDA hit a record $277 million, resulting in a 29% Adjusted EBITDA Margin[9] - GAAP Net Income was $139 million, yielding a 14% GAAP Net Income Margin, marking the eighth consecutive quarter of profitability[9] - Adjusted EPS reached a record $0.11[9] Revenue Diversification - Fee-based Revenue totaled $409 million, a 50% year-over-year increase, representing 43% of Adjusted Net Revenue[9] - Financial Services and Tech Platform Revenue contributed $534 million to Adjusted Net Revenue, a 57% year-over-year increase[9] Growth Metrics - Total Deposits grew by $3.4 billion quarter-over-quarter, reaching nearly $33 billion[9] - Tangible Book Value grew by $1.9 billion quarter-over-quarter to $7.2 billion, more than doubling over two years[9] - The company added a record 905 thousand new members and 1.4 million new products[9] Lending Performance - Record loan originations of $9.9 billion occurred in the quarter[9] - Personal Loan net charge-offs declined 23 bps to 2.60%[9] - Loan Platform Business originations increased to a record $3.4 billion, up over $920 million from Q2[9]