SoFi Stock Soars as Fintech Leader Posts Stellar Quarterly Results

SoFi Technologies has delivered a powerful third-quarter performance that positions the digital financial services provider firmly among profitable fintech leaders. The company's latest earnings report showcases an impressive combination of rapid growth and expanding profitability, setting it apart from competitors still struggling to achieve consistent earnings. With record-breaking numbers and raised guidance, investors are questioning whether this momentum can be sustained.

The third quarter of 2025 saw SoFi achieve record net revenue of $962 million, representing a substantial 36.3 percent year-over-year increase and exceeding analyst expectations by $55 million. Even more impressive was the company's adjusted earnings per share of $0.11, which beat projections by $0.03. These figures demonstrate SoFi's successful transition toward sustainable profitability alongside continued expansion.

Fee-based revenue surged dramatically by 50 percent to reach $408.7 million, while the contribution profit from financial services exploded by an extraordinary 126.1 percent. This strategic shift toward recurring revenue streams provides greater stability and predictability to the company's business model, reducing reliance on one-time transactions.

Management Boosts Full-Year Outlook

Bolstered by the strong quarterly results, SoFi's leadership has significantly upgraded its full-year forecast. The company now anticipates adding at least 3.5 million new members, representing 34 percent growth and substantially higher than the previous projection of 3 million. Adjusted revenue guidance has been raised to approximately $3.54 billion, with adjusted EBITDA expected to reach around $1.04 billion.

Particularly noteworthy is the increased adjusted earnings per share estimate of $0.37, up from the previous forecast of $0.31. This substantial upward revision underscores the company's operational momentum and management's confidence in continued expansion.

Should investors sell immediately? Or is it worth buying SoFi Technologies?

Product Innovation Meets Favorable Market Conditions

Beyond its established business segments, SoFi is actively pursuing new growth opportunities. The company plans to reintroduce cryptocurrency and blockchain services while preparing to launch a SoFi USD Stablecoin in 2026. Its existing SoFi Pay platform already enables customers to process cryptocurrency payments in local fiat currencies.

Recent product launches including an actively managed AI-focused ETF and options trading capabilities for SoFi Invest members highlight the company's innovative approach. The addition of 1.4 million new products during the third quarter demonstrates successful cross-selling initiatives and strengthening customer engagement.

Analyst Community Shows Divided Sentiment

Market experts display mixed reactions to SoFi's performance and valuation. While some express caution about the company's premium valuation multiples, others see significant long-term potential. The median price target among 13 analysts sits at $27.50, suggesting additional upside potential from current levels.

The expansion of financial services, supported by SoFi's robust banking license, is expected to further enhance net interest income. With fee-based revenue now constituting 43 percent of total revenue, the company has established a more stable foundation for future growth.

SoFi shares currently trade at €25.95, having advanced more than 21 percent over the past 30 days. Since the beginning of the year, the stock has delivered an impressive 88 percent return. The central question for investors remains whether this fintech standout can maintain its exceptional performance trajectory or if the current valuation already reflects its growth prospects.