SoFi Q3 Earnings Preview: Can Q3 Results Justify the High-Growth Valuation?

SoFi Technologies SOFI reports third-quarter 2025 results before the market opens on October 28. Wall Street expects EPS of $0.08 on revenue close to $887 million, representing roughly 60% and 30% growth from a year ago. The stock has been one of the market's big winners this year, climbing over 80% so far this year, as investors continue to bet on the company's expanding digital finance ecosystem.

After a strong first half, Investors will be looking to see whether management sticks to its current outlook of $3.38 billion in adjusted revenue and $960 million in adjusted EBITDA or raises it up again. Either way, the focus will be on how well SoFi balances its rapid expansion with the path toward sustainable profit growth.

SoFi is also expected to show continued momentum in member and product growth after surpassing 11.7 million members last quarter, a sign that its cross-selling strategy is working. Investors will be watching whether that trend continued through the third quarter. The average products per member will remain a key measure of engagement. The stronger that number gets, the more efficiently SoFi can grow by lowering customer acquisition costs and improving lifetime value.