When did SoFi Technologies, Inc. report Q4 2024 earnings?

SoFi Technologies, Inc. (SOFI) reported Q4 2024 earnings on January 27, 2025 before market open.

What were SoFi Technologies, Inc.'s Q4 2024 revenue and EPS?

SoFi Technologies, Inc. reported revenue of $734.1M and diluted EPS of $0.05 for Q4 2024.

Did SoFi Technologies, Inc. beat estimates in Q4 2024?

Revenue beat the consensus estimate of $710.3M by $23.8M. EPS beat the consensus estimate of $0.04 by $0.01.

Where can I find SoFi Technologies, Inc.'s Q4 2024 SEC filings?

You can read the 10-K periodic report (0001818874-25-000016) directly on SEC EDGAR. The filing index links above go to sec.gov.

SoFi Technologies, Inc. SOFI Q4 2024 Annual earnings

Reported January 27, 2025 · Before market open

Revenue$734.1MBeat by $23.8M Diluted EPS$0.05Beat by $0.01

Revenue estimate$710.3M

EPS estimate$0.04

Next report

Jul 29, 2026 (In 2 weeks)

Revenue estimate$1.1B

EPS estimate$0.11

Financials

Q4 2024

Income statement

See full

Revenue$734.1M+19.3%

Gross profit$606.0M+18.5%

Net income$332.5M—

EPS (diluted)$0.31—

Balance sheet

See full

Cash & equivalents$2.7B-25.1%

Total debt$3.2B-40.2%

Total equity$6.5B+24.7%

Total assets$36.3B+20.5%

Cash flow

See full

Operating cash flow-$200.1M+19.3%

CapEx$42.3M+23.2%

Free cash flow-$242.4M+14.1%

Valuation & ratios

Valuation

as of 12/31/24

See full

Market cap$16.71B+74.5%

Enterprise value$17.21B+52.0%

P/E33.5×—

P/S6.2×+1.7×

Profitability

See full

Gross margin82.7%+0.6pp

Net margin18.6%—

FCF margin-47.6%-22.1pp

Returns & leverage

See full

Return on equity8.5%—

Debt / equity0.5×-0.5×

Segments

By product

See full

Technology services$86.6M+0.8%

Interchange$21.6M+62.6%

Referrals, loan platform business$16.3M—

Brokerage$5.8M+18.4%

Referrals, other$2.5M—

By segment

See full

Lending$417.8M+18.3%

Technology Platform$88.7M+1.8%

Financial Services$46.8M+60.1%

By geography

See full

All foreign countries$24.6M+3.9%

Versus estimates

Revenue

Q1 2026$1.1BBeat by $39.5M Q4 2025$1.0BBeat by $35.4M Q3 2025$961.6MBeat by $72.7M Q2 2025$854.9MBeat by $50.7M Q1 2025$771.8MBeat by $32.8M

Q4 2024$734.1MBeat by $23.8M

Diluted EPS

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

Q4 2024$0.05Beat by $0.01

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Questions, answered.

When did SoFi Technologies, Inc. report Q4 2024 earnings?: SoFi Technologies, Inc. (SOFI) reported Q4 2024 earnings on January 27, 2025 before market open.
What were SoFi Technologies, Inc.'s Q4 2024 revenue and EPS?: SoFi Technologies, Inc. reported revenue of $734.1M and diluted EPS of $0.05 for Q4 2024.
Did SoFi Technologies, Inc. beat estimates in Q4 2024?: Revenue beat the consensus estimate of $710.3M by $23.8M. EPS beat the consensus estimate of $0.04 by $0.01.
Where can I find SoFi Technologies, Inc.'s Q4 2024 SEC filings?: You can read the 10-K periodic report (0001818874-25-000016) directly on SEC EDGAR. The filing index links above go to sec.gov.