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AMZN AVGO BABA BBAI CIFR COIN CRWV HOOD IREN MARA MRVL MSFT MSTR MU NFLX NIO NVDA NVO OPEN ORCL PFE PYPL RGTI SMCI SOFI TSM UBER

AAPL AMZN AVGO BA BABA BAC BBAI BULL BYND CIFR COIN CRCL CRWV GOOG HOOD INTC IREN MARA MRVL MSFT MSTR MU NFLX NIO NVDA NVO ONDS OPEN ORCL PFE PLTR PYPL RGTI RIVN SMCI SOFI TSLA TSM UBER UNH VALE WBD WMT WULF

Why is SoFi Technologies Inc stock underperforming the market?

SoFi Technologies reported strong financial performance for Q3 FY2025, with GAAP revenue of $961.6 million, a 37.9% year-over-year increase, and adjusted revenue of $949.6 million, both exceeding consensus estimates. Adjusted EBITDA reached $277 million with a 29% margin, while net income stood at $139 million, translating to earnings per share of $0.11. The company added 905,000 new members, bringing total membership to 12.6 million (35% year-over-year growth), and grew products by 36% to 18.6 million. Loan originations rose 57% year-over-year to $9.9 billion, with personal loans accounting for $7.5 billion. Fee-based revenue increased 50% to $409 million, and total deposits grew by $3.4 billion to $32.9 billion. SoFi raised its full-year 2025 guidance, projecting adjusted net revenue of $3.54 billion (36% year-over-year growth) and adjusted earnings per share of $0.37. The company’s diversified business model, innovation initiatives like blockchain-based payments, and improved credit performance contributed to its success. However, its smallest EBITDA beat in five quarters, broader market weakness, and challenges in profitability metrics, such as return on equity and net margins, tempered investor enthusiasm. Analysts have mixed views on the stock, with price targets ranging from $18.00 to $31.00. While SoFi outpaces peers in revenue growth, its profitability remains below industry averages, presenting both opportunities and challenges for future performance.

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About SOFI

SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, ... Read more Read less

Ways to trade options* on SOFI

Bearish Option Strategy: Long Puts

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Bearish Option Strategy: Put Spread

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Why is SoFi Technologies Inc stock underperforming the market?