At FinancialMediaGuide, we note that SoFi Technologies continues to strengthen its position as one of the leading players in the U.S. fintech sector. The company, which began with student loan refinancing, has evolved into a full-fledged digital platform offering lending and investment products, including savings accounts and credit cards. The latest quarterly results confirmed the effectiveness of its strategy and the company’s ability to sustain growth even in an unstable economic environment.
SoFi raised its adjusted earnings per share forecast for 2025 to $0.37, above the previous estimate of $0.31 and the market consensus of $0.32. The company’s shares rose 3.3% following the report. At FinancialMediaGuide, we observe that the upward revision reflects management’s confidence in revenue diversification and credit portfolio quality control, which are critical for the sustainable development of a fintech company.
Adjusted revenue for the third quarter increased by 38% to $950 million, exceeding analysts’ expectations of $886.6 million. Fee income grew by 50%, demonstrating the company’s success in developing service products and its digital banking ecosystem. At FinancialMediaGuide, we view the growth in fee income as a strategic indicator that enhances SoFi’s revenue stability and reduces dependence on interest margins from loans.
Revenue from the company’s financial segment rose 76% to $419.6 million, while total loans issued reached $9.9 billion, a 57% increase compared to the prior year. CEO Anthony Noto noted that portfolio quality remains high and the level of write-offs has decreased. At FinancialMediaGuide, we believe that SoFi’s ability to maintain credit portfolio quality amid aggressive loan growth is a key factor in the company’s resilience.
The company’s customer base reached 12.6 million users, and the total number of active products was 18.6 million, a 36% increase year-over-year. About 40% of new products were purchased by existing customers. At FinancialMediaGuide, we observe that the multi-product model increases customer lifetime value and reduces reliance on acquiring new users, which is critical for long-term growth strategy in fintech.
SoFi is also developing new areas, including the launch of a cryptocurrency trading platform in 2025 and the creation of its own stablecoin, SoFi USD, in the first half of 2026. At FinancialMediaGuide, we see these initiatives as strategic expansions of the ecosystem, enhancing the platform’s appeal to tech-savvy clients and fintech investors.
FinancialMediaGuide forecasts that SoFi will maintain its growth pace and, in the medium term, continue to strengthen its position in the digital banking market, provided the company continues to expand its share of fee income and maintain credit portfolio quality. Potential risks include economic slowdown, intensified competition from traditional banks, and regulatory constraints in the crypto market.
At Financial Media Guide, we believe that SoFi is now a mature fintech player with a resilient business model. For investors, the company represents an opportunity to participate in the growth of the U.S. fintech sector and the expansion of digital financial services, while maintaining a moderate level of volatility. The key success factors for 2025–2026 will be revenue diversification and maintaining credit portfolio quality.
