SOFI
SoFi Technologies, Inc.26.58
+0.76+2.94%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
FY Q3 '25
Reaffirms credit, boosts LPB momentum.
Q&A largely reaffirmed prepared remarks on robust growth and profitability, while addressing credit concerns head-on: charge-offs improved further, with vigilant underwriting ensuring durability. LPB saw broad partner growth and upsizing amid flight to quality, sustaining momentum beyond $3.4B originations. Lower rates will accelerate student refi and home lending, with deposit betas at 65-70% supporting NIM above 5%. Management gates investments at 30% incremental EBITDA margins. Crypto relaunch leverages FDIC-insured funding. Credit holds firm.
Key Stats
Market Cap
33.50BP/E (TTM)
47.46Basic EPS (TTM)
0.56Dividend Yield
0%Recent Filings
8-K
SoFi closes $1.5B stock offering
SoFi Technologies completed a public offering of 54,545,454 common shares at $27.50 per share on December 8, 2025, following the December 4 underwriting agreement with Goldman Sachs and others. Net proceeds will bolster capital, boost optionality, and fund growth. Underwriters hold a 30-day option for 8,181,818 more shares. Cash infusion sharpens efficiency.
8-K
SoFi prices $1.5B stock offering
8-K
CFO's forward contract liquidity
SoFi CFO Christopher Lapointe entered a prepaid variable forward contract on November 12, 2025, for 500,000 shares—less than 0.05% of outstanding stock—receiving $11,771,830 upfront. The deal matures around November 12, 2027, with settlement in cash or shares based on stock price between floor $25.38 and cap $50.58; he retains voting and dividend rights on pledged shares. Provides liquidity without selling. He hasn't sold shares since 2018.
10-Q
Q3 FY2025 results
SoFi's Q3 revenue jumped 38% y/y to $961.6M, fueled by 36% higher net interest income to $585.1M on 29% bigger average loans and exploding loan platform fees up 196% y/y to $164.9M. Diluted EPS doubled to $0.11 from $0.05, reconciling to 1.29B diluted shares; Financial Services contribution profit soared 126% y/y on deposit growth to $32.9B. Deposits funded 27% balance sheet expansion to $45.3B, debt fell 12% post equity raise, with $12.2B liquidity. Credit stayed tight: charge-offs dropped to 1.9% from 2.5% y/y. Yet warehouse funding reliance persists amid regulatory flux.
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