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SoFi Technologies, Inc. SOFI Q2 2025 earnings

Reported July 29, 2025 · Before market open

Revenue$854.9MBeat by $50.7MDiluted EPS$0.08Beat by $0.02
Revenue estimate$804.2M
EPS estimate$0.06

Next report

Jul 29, 2026 (In 2 weeks)
Revenue estimate$1.1B
EPS estimate$0.11

Financials

Q2 2025

Income statement

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Revenue$854.9M+42.8%
Gross profit$704.5M+44.1%
Net income$97.3M+459%
EPS (diluted)$0.08+700%

Balance sheet

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Cash & equivalents$2.7B-0.6%
Total debt$4.0B+25.8%
Total equity$6.9B+16.3%
Total assets$41.1B+25.9%

Cash flow

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Operating cash flow-$1.5B-203%
CapEx$63.5M+72.9%
Free cash flow-$1.5B-194%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$17.52B+150%
Enterprise value$18.84B+152%
P/E31.2×—
P/S5.7×+2.8×

Profitability

See full
Gross margin82.4%-0.4pp
Net margin18.4%—
FCF margin-98.8%-13.5pp

Returns & leverage

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Return on equity8.8%—
Debt / equity0.6×0.0×

Segments

By product

See full
Technology services$89.6M+4.8%
Interchange$26.5M+83.3%
Referrals, loan platform business$22.5M—
Brokerage$7.5M+26.5%
Referrals, other$2.6M—

By segment

See full
Lending$443.5M+30.2%
Technology Platform$90.5M+5.2%
Financial Services$61.3M+76.8%

By geography

See full
All foreign countries$62.2M+153%

Versus estimates

Revenue

Q1 2026$1.1BBeat by $39.5MQ4 2025$1.0BBeat by $35.4MQ3 2025$961.6MBeat by $72.7M
Q2 2025$854.9MBeat by $50.7M
Q1 2025$771.8MBeat by $32.8MQ4 2024$734.1MBeat by $23.8M

Diluted EPS

Q1 2026$0.12In lineQ4 2025$0.13Beat by $0.01Q3 2025$0.11Beat by $0.03
Q2 2025$0.08Beat by $0.02
Q1 2025$0.06Beat by $0.03Q4 2024$0.05Beat by $0.01

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Questions, answered.

When did SoFi Technologies, Inc. report Q2 2025 earnings?
SoFi Technologies, Inc. (SOFI) reported Q2 2025 earnings on July 29, 2025 before market open.
What were SoFi Technologies, Inc.'s Q2 2025 revenue and EPS?
SoFi Technologies, Inc. reported revenue of $854.9M and diluted EPS of $0.08 for Q2 2025.
Did SoFi Technologies, Inc. beat estimates in Q2 2025?
Revenue beat the consensus estimate of $804.2M by $50.7M. EPS beat the consensus estimate of $0.06 by $0.02.
How did SoFi Technologies, Inc.'s Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 42.8% from $598.6M a year earlier and diluted EPS grew 700.0% from $0.01.
Where can I find SoFi Technologies, Inc.'s Q2 2025 SEC filings?
You can read the 10-Q periodic report (0001818874-25-000180) directly on SEC EDGAR. The filing index links above go to sec.gov.