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SoFi Technologies, Inc. SOFI Q2 2025 earnings

Reported July 29, 2025 · Before market open

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

Next report

Oct 27, 2026 (in 2 months)
Revenue estimate$1.3B
EPS estimate$0.17

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
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Market cap$17.52B+150%
Enterprise value$18.84B+152%
P/E31.2×—
P/S5.7×+2.8×

Profitability

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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

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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

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

By geography

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All foreign countries$62.2M+153%

FAQ

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 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 eps grew 700.0% from $0.01.
Where can I find SoFi Technologies, Inc.'s Q2 2025 SEC filings?
You can read the 8-K earnings release (0001818874-25-000148) and the 10-Q periodic report (0001818874-25-000180) directly on SEC EDGAR. The filing index links above go to sec.gov.