Analyst Consensus ?
ConsensusHold28 ratings
Bullish1242.9%
Neutral1242.8%
Bearish414.3%
SoFi Technologies, Inc. · SOFI · FY2025 Q3 · Calendar Q4 2025
SoFi raises FY2025 outlook as member and product growth accelerate
The supplied Q3 analysis supports a growth case based on record results, member and product expansion, cross-selling, and higher full-year guidance. Whether that momentum can persist depends in part on consumer credit performance, rate conditions, competition, and execution in newer offerings.
Reported Before market openNASDAQFinancial Services
$21.44B market cap
90quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$0.11
Consensus $0.08
EPS surprise
+32.0%
Reported versus consensus
Reported revenue
$961.6M
Consensus $888.9M
Revenue surprise
+8.2%
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
+5.5%
Event window
SPY move
+0.3%
Same window
Abnormal move
+5.3%
Stock minus SPY
Volume
2.4×
Versus trailing sessions
Subsequent drift
-10.5%
Up to 20 sessions
SOFISPY benchmark
Ask FN2 about SOFI FY2025 Q3
Transcript, numbers and history already loaded
Why did SOFI rise 5.5% after beating EPS estimates in FY2025 Q3?What changed in SOFI's guidance and outlook in FY2025 Q3?Give me the bull and bear case for SOFI after FY2025 Q3 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Management reported record Q3 results, faster member and product growth, and a 40% cross-buy rate described as the highest since 2022. The analysis says full-year 2025 guidance for members, revenue, EBITDA, and net income was raised. New initiatives include blockchain-based SoFi Pay, expanded crypto features, AI-driven tools, and the SoFi Smart Card.
Guidance delta
Full-year 2025 guidance for members, revenue, EBITDA, and net income was raised. The supplied analysis does not provide the prior or revised numerical guidance ranges.
Key takeaways
- Q3 revenue and EBITDA growth were characterized in the supplied analysis as well above expectations.
- Membership and product additions accelerated, supporting management's one-stop-shop cross-sell strategy.
- Cross-buy reached 40%, the highest level since 2022, according to the supplied analysis.
- Product expansion offers potential growth avenues, while several initiatives remain subject to adoption and execution.
Management priorities
- Grow members and deepen cross-selling through the one-stop-shop model.
- Expand SoFi Pay, initially launched in Mexico, with plans to extend to Europe and South America.
- Develop crypto, stablecoin, and blockchain-based payment offerings.
- Extend AI-powered financial tools and launch the SoFi Smart Card.
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$16.6Previous close
$2.5Low
$17.1Average
$36High
Latest persisted target per named analyst; persisted previous close from FN2's market snapshot as of Nov 3, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| UBS | Neutral | Neutral | Maintain | Oct 29, 2026 |
| Wells Fargo | Equal Weight | Equal Weight | Maintain | Oct 28, 2026 |
| TD Cowen | Hold | Hold | Maintain | Oct 28, 2026 |
| StoneX | Buy | Buy | Maintain | Oct 28, 2026 |
| Scotiabank | Sector Outperform | Sector Outperform | Maintain | Oct 28, 2026 |
| Needham | Buy | Buy | Maintain | Oct 28, 2026 |
| Keefe, Bruyette & Woods | Underperform | Underperform | Maintain | Oct 28, 2026 |
| Truist Securities | Hold | Hold | Maintain | Oct 23, 2026 |
| Piper Sandler | Overweight | Neutral | Upgrade | Aug 17, 2026 |
| Mizuho | Outperform | Outperform | Maintain | Jul 31, 2026 |
| Morgan Stanley | Underweight | Underweight | Maintain | Jul 30, 2026 |
| Goldman Sachs | Neutral | Neutral | Maintain | Jul 9, 2026 |
| Citigroup | Buy | Buy | Maintain | May 4, 2026 |
| Stephens & Co. | Overweight | Overweight | Maintain | Apr 30, 2026 |
| Barclays | Equal Weight | Equal Weight | Maintain | Apr 6, 2026 |
| Citizens | Market Outperform | Market Perform | Upgrade | Feb 9, 2026 |
| JP Morgan | Overweight | Neutral | Upgrade | Feb 3, 2026 |
| BTIG | Neutral | Neutral | Maintain | Oct 29, 2025 |
| JMP Securities | Market Perform | Market Outperform | Downgrade | Jul 14, 2025 |
| B of A Securities | Underperform | Neutral | Downgrade | Dec 9, 2024 |
| Jefferies | Buy | Buy | Maintain | Oct 29, 2024 |
| Wedbush | Underperform | Underperform | Maintain | Apr 30, 2024 |
| Deutsche Bank | Hold | Hold | Maintain | Apr 30, 2024 |
| Oppenheimer | Perform | Outperform | Downgrade | Jun 15, 2023 |
| Credit Suisse | Neutral | Neutral | Maintain | May 2, 2023 |
| Seaport Global | Neutral | Neutral | Maintain | Sep 9, 2022 |
| MoffettNathanson | Buy | Buy | Maintain | Apr 5, 2022 |
| Rosenblatt | Buy | Buy | Maintain | Feb 23, 2022 |
Named analyst price targets
Upside is calculated against the persisted previous close $16.6. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| UBS | Analyst unavailable | $22 | $17.52 | +32.5% | Oct 29, 2026 |
| Scotiabank | Lance Jessurun | $26 | $16.4 | +56.6% | Oct 28, 2026 |
| Coker Palmer | Mark Palmer | $27 | $16.4 | +62.7% | Oct 28, 2026 |
| Wells Fargo | Analyst unavailable | $16.5 | $16.4 | -0.6% | Oct 28, 2026 |
| Monness | Analyst unavailable | $20 | $14.62 | +20.5% | Oct 26, 2026 |
| Truist Financial | Analyst unavailable | $16 | $14.77 | -3.6% | Oct 23, 2026 |
| Goldman Sachs | Analyst unavailable | $15 | $15.23 | -9.6% | Oct 13, 2026 |
| Loop Capital Markets | Analyst unavailable | $22 | $18.01 | +32.5% | Sep 8, 2026 |
| Scotiabank | Analyst unavailable | $25 | $17.05 | +50.6% | Sep 2, 2026 |
| Piper Sandler | Patrick Moley | $22 | $18.29 | +32.5% | Aug 17, 2026 |
| Truist Financial | Analyst unavailable | $19 | $17.7 | +14.5% | Aug 12, 2026 |
| Wells Fargo | Analyst unavailable | $17 | $15.25 | +2.4% | Jul 30, 2026 |
| Needham | Kyle Peterson | $24 | $15.25 | +44.6% | Jul 30, 2026 |
| Truist Financial | Analyst unavailable | $18 | $16.65 | +8.4% | Jul 24, 2026 |
| Goldman Sachs | Analyst unavailable | $21 | $17.73 | +26.5% | Jul 9, 2026 |
| Truist Financial | Matthew Coad | $17 | $16.26 | +2.4% | May 12, 2026 |
| Mizuho Securities | Dan Dolev | $29 | $16.02 | +74.7% | May 6, 2026 |
| Needham | Kyle Peterson | $25 | $16.21 | +50.6% | Apr 30, 2026 |
| Morgan Stanley | Analyst unavailable | $16 | $16.2 | -3.6% | Apr 30, 2026 |
| Deutsche Bank | Mark DeVries | $18 | $16.28 | +8.4% | Apr 30, 2026 |
| Goldman Sachs | Michael Ng | $17 | $15.72 | +2.4% | Apr 30, 2026 |
| Stephens | Kyle Joseph | $25 | $15.52 | +50.6% | Apr 30, 2026 |
| UBS | Analyst unavailable | $21 | $15.52 | +26.5% | Apr 30, 2026 |
| Truist Financial | Analyst unavailable | $20 | $18.26 | +20.5% | Apr 24, 2026 |
| Wells Fargo | Analyst unavailable | $18 | $16.27 | +8.4% | Apr 9, 2026 |
| Needham | Kyle Peterson | $33 | $22.46 | +98.8% | Feb 2, 2026 |
| UBS | Analyst unavailable | $24.5 | $22.81 | +47.6% | Feb 2, 2026 |
| Barclays | Terry Ma | $28 | $29.28 | +68.7% | Jan 6, 2026 |
| Goldman Sachs | Michael Ng | $24 | $29.28 | +44.6% | Jan 6, 2026 |
| Truist Financial | Analyst unavailable | $28 | $27.44 | +68.7% | Nov 25, 2025 |
| UBS | Analyst unavailable | $27.5 | $29.99 | +65.7% | Oct 30, 2025 |
| Mizuho Securities | Dan Dolev | $38 | $30.9 | +128.9% | Oct 30, 2025 |
| Needham | Analyst unavailable | $36 | $30.78 | +116.9% | Oct 29, 2025 |
| Goldman Sachs | Michael Ng | $27 | $31.66 | +62.7% | Oct 29, 2025 |
| Barclays | Analyst unavailable | $23 | $31.66 | +38.6% | Oct 29, 2025 |
| Jefferies | John Hecht | $35 | $31.66 | +110.8% | Oct 28, 2025 |
| Truist Financial | Analyst unavailable | $29 | $28.08 | +74.7% | Oct 24, 2025 |
| Morgan Stanley | Analyst unavailable | $18 | $27.98 | +8.4% | Sep 29, 2025 |
| Mizuho Securities | Analyst unavailable | $31 | $27.48 | +86.7% | Sep 18, 2025 |
| Needham | Analyst unavailable | $29 | $25.52 | +74.7% | Sep 10, 2025 |
| Truist Financial | Analyst unavailable | $23 | $21.81 | +38.6% | Aug 4, 2025 |
| Mizuho Securities | Analyst unavailable | $26 | $21.87 | +56.6% | Jul 31, 2025 |
| Deutsche Bank | Mark DeVries | $14 | $14.42 | -15.7% | Jan 3, 2025 |
| Morgan Stanley | Jeffrey Adelson | $13 | $15.29 | -21.7% | Dec 19, 2024 |
| Goldman Sachs | Michael Ng | $8.5 | $11.22 | -48.8% | Oct 30, 2024 |
| Jefferies | John Hecht | $13 | $10.47 | -21.7% | Oct 29, 2024 |
| Citigroup | Andrew Schmidt | $12.5 | $9.87 | -24.7% | Oct 18, 2024 |
| Goldman Sachs | Michael Ng | $7.5 | $7.54 | -54.8% | Jul 31, 2024 |
| Barclays | Terry Ma | $8 | $6.35 | -51.8% | Jul 9, 2024 |
| UBS | Tim Chiodo | $7.5 | $7.04 | -54.8% | Apr 30, 2024 |
| Deutsche Bank | Mark DeVries | $12 | $7.56 | -27.7% | Apr 11, 2024 |
| Needham | Kyle Peterson | $10 | $7.2 | -39.8% | Apr 3, 2024 |
| Deutsche Bank | Mark Devries | $11 | $8.48 | -33.7% | Jan 10, 2024 |
| Goldman Sachs | Michael Ng | $7 | $6.92 | -57.8% | Oct 30, 2023 |
| Stephens | Vincent Caintic | $7 | $9.33 | -57.8% | Jul 25, 2023 |
| Truist Financial | Andrew Jeffrey | $11 | $9.08 | -33.7% | Jul 14, 2023 |
| Morgan Stanley | Jeffrey Adelson | $7 | $9.06 | -57.8% | Jul 13, 2023 |
| Compass Point | Giuliano Bologna | $5 | $8.06 | -69.9% | Jun 23, 2023 |
| Oppenheimer | Mihir Bhatia | $10 | $8.71 | -39.8% | Jun 16, 2023 |
| BTIG | Lance Jessurun | $14 | $9.78 | -15.7% | Jun 14, 2023 |
| Wedbush | David Chiaverini | $2.5 | $4.62 | -84.9% | May 15, 2023 |
| Morgan Stanley | Analyst unavailable | $6.5 | $7.28 | -60.8% | Feb 8, 2023 |
| Piper Sandler | Analyst unavailable | $7.5 | $4.7 | -54.8% | Dec 15, 2022 |
| Morgan Stanley | Analyst unavailable | $5 | $4.76 | -69.9% | Dec 1, 2022 |
| Wedbush | Analyst unavailable | $6 | $4.68 | -63.9% | Nov 23, 2022 |
| Credit Suisse | Timothy Chiodo | $8 | $5.12 | -51.8% | Nov 2, 2022 |
| Morgan Stanley | Jeffrey Adelson | $7.5 | $6.54 | -54.8% | Aug 25, 2022 |
| Mizuho Securities | Dan Dolev | $8 | $7.65 | -51.8% | Aug 15, 2022 |
| Credit Suisse | Analyst unavailable | $8.5 | $6.41 | -48.8% | Aug 3, 2022 |
| Mizuho Securities | Analyst unavailable | $7 | $6.03 | -57.8% | Jul 7, 2022 |
| Piper Sandler | Kevin Barker | $8 | $5.41 | -51.8% | Jul 5, 2022 |
| Mizuho Securities | Dan Dolev | $9 | $7.05 | -45.8% | May 18, 2022 |
| Piper Sandler | Kevin Barker | $10 | $6.75 | -39.8% | May 16, 2022 |
| Bank of America Securities | Mihir Bhatia | $7 | $5.25 | -57.8% | May 11, 2022 |
| Mizuho Securities | Dan Dolev | $14 | $6.39 | -15.7% | Apr 25, 2022 |
| Morgan Stanley | Betsy Graseck | $10 | $7.87 | -39.8% | Apr 9, 2022 |
| MoffettNathanson | Eugene Simuni | $13 | $7.87 | -21.7% | Apr 9, 2022 |
| Piper Sandler | Kevin Barker | $12 | $8.2 | -27.7% | Mar 15, 2022 |
| Bank of America Securities | Mihir Bhatia | $14 | $10.69 | -15.7% | Mar 3, 2022 |
| Rosenblatt Securities | Sean Horgan | $22 | $11.2 | +32.5% | Mar 1, 2022 |
| Bank of America Securities | Mihir Bhatia | $17 | $12 | +2.4% | Feb 14, 2022 |
| KBW | Michael Perito | $18 | $13.94 | +8.4% | Jan 11, 2022 |
Track every rating change on SOFI the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationSoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.
Historical context
All SOFI earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| CBOE Cboe Global Markets, Inc. | FY2026 Q3 · Calendar Q4 2026 | +5.8% | +6.8% | Cboe posts strong Q3 as options growth and new products advance |
| NWG NatWest Group plc | FY2026 Q3 · Calendar Q4 2026 | +2.0% | -9.0% | NatWest maintains guidance as Q3 growth and capital remain strong |
| ERIE Erie Indemnity Company | FY2026 Q3 · Calendar Q4 2026 | +2.1% | +5.3% | Erie pairs resilient demand initiatives with thin underwriting margins |
Latest beats and misses
Who reports nextBeat on EPS
- TSEMFY2026 Q3 · November 2, 2026+7.5% EPS-6.7% move
- CLXFY2027 Q1 · November 2, 2026+44.9% EPS+2.2% move
- AAPLFY2026 Q4 · November 2, 2026+3.0% EPS-1.8% move
- PLTRFY2026 Q3 · November 2, 2026+8.3% EPS-3.1% move
- ETRFY2026 Q3 · November 2, 2026+14.5% EPS-0.2% move
- OFY2026 Q3 · November 2, 2026+5.7% EPS+1.1% move
Missed on EPS
- VRTXFY2026 Q3 · November 2, 2026-1.2% EPS-1.0% move
- PEGFY2026 Q3 · November 2, 2026-3.4% EPS+0.1% move
- RYAAYFY2027 Q2 · November 2, 2026-0.3% EPS+2.9% move
- GLPIFY2026 Q3 · October 29, 2026-11.5% EPS-1.3% move
- LYBFY2026 Q3 · October 30, 2026-1.2% EPS+5.0% move
- CCJFY2026 Q3 · October 30, 2026-101.4% EPS-7.9% move
Get the SOFI recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars · 2026-11-03T11:40:44.124597+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-11-03T11:40:44.121790+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-11-03. For educational purposes only; not investment advice.