Remember when SoFi was just that company that helped you refinance your crushing student loans? Well, plot twist: they just posted numbers that would make even your most successful college roommate jealous.
The fintech darling absolutely crushed Q2 2025, with their stock jumping 17% faster than you can say “I should have bought more shares.” And honestly? The numbers back up the hype.
The Numbers Don’t Lie (Unlike Your Dating Profile)
SoFi pulled in a record $855 million in revenue – that’s 43% higher than last year and way above what Wall Street expected ($804 million). But here’s where it gets spicy: their net income didn’t just grow, it exploded 459% to $97 million. That’s not a typo, that’s just good business.
Earnings per share hit 8 cents, beating estimates of 6 cents. Sure, 8 cents doesn’t sound like much, but when you’re coming from 1 cent last year, that’s what we call “exponential growth” (fancy finance term for “holy cow”).
They’re Collecting Customers Like Pokémon Cards
SoFi added 850,000 new members this quarter – up 34% from last year. They now have 11.7 million people trusting them with their money, which is more than the population of most countries. These aren’t just window shoppers either; they added 1.26 million new products (banking services, not actual products you can drop on your foot).
The real money maker? Fee-based revenue hit $377.5 million, up 72% year-over-year. Think of it like being the middleman in every financial transaction, except legal and actually helpful.
The Lending Game is Strong
SoFi originated $8.8 billion in loans this quarter. To put that in perspective, that’s enough to buy Twitter… if Twitter still existed and wasn’t called X. Personal loans were up 66%, student loans jumped 35%, and home loans increased 92%. Basically, if you needed money for anything, SoFi was there.
Crystal Ball Time: The Future Looks Bright
Based on these stellar results, SoFi raised their 2025 guidance like a confident poker player going all-in. They’re now expecting $3.375 billion in revenue (up from their previous estimate) and $960 million in EBITDA. For those keeping score at home, that’s a 28% EBITDA margin, which is finance speak for “we’re really good at making money.”
Wall Street analysts are eating this up. William Blair set a $30 price target, which would be a 25% bump from current levels. Their reasoning? SoFi is basically the cool, tech-savvy younger sibling that’s about to steal all the traditional banks’ lunch money.
The Reality Check
Before you mortgage your house to buy SoFi stock, remember it’s trading at 48 times earnings. That’s not exactly bargain-basement pricing, but hey, growth stocks gonna growth stock.
The bottom line? SoFi just proved that being the Netflix of banking isn’t just a pipe dream – it’s a profitable reality. And in a world where most fintechs are still figuring out how to make money, that’s actually a pretty big deal.