SoFi Technologies reported a 25% year-over-year increase in lending revenue and a 76% jump in financial services (non-lending) revenue in the third quarter of 2025. The company’s lending segment continues to benefit from strong consumer demand for low-cost personal and student loans, while its fee-based products—spanning cash management, credit cards and investing—account for the fastest growth. A third segment, SoFi’s B2B tech platform, delivered 12% sales growth, underscoring rising enterprise adoption of its embedded financial infrastructure.

SoFi has rolled out several blockchain-based services, including in-app crypto trading and a fully reserved stablecoin designed for institutional liquidity management. The upcoming SoFi Smart Card consolidates deposit, loan repayment and rewards in a single credit-card package, available exclusively to Plus members at a $10 monthly subscription. These innovations aim to deepen engagement, boost non-interest revenue and reduce customer acquisition costs by integrating banking, lending and trading within one digital interface.

Commonwealth Equity Services trimmed its stake in SoFi by 11.9%, selling 64,278 shares in Q3 2025, reducing its holdings to 477,880 shares. Meanwhile, SJS Investment Consulting more than doubled its position to 1,119 shares, and Grove Bank & Trust increased its stake by 151%, signaling selective confidence among smaller asset managers. Insiders have sold 167,813 shares over the past 90 days, representing approximately 2.6% of outstanding shares, as executives rebalance their positions following strong recent performance.

In Q3, SoFi delivered adjusted EPS of $0.11, surpassing consensus estimates by $0.02, on revenue of $950 million, 37.7% higher than the prior year. Return on equity stood at 5.1% with a net margin near 19.3%. Analysts remain divided: one firm maintains a strong buy view, six rate the stock as buy, thirteen as hold and three as sell. The average sell-side earnings forecast for full-year 2025 is $0.26 per share, implying mid-teens EPS growth for 2026 driven by potential interest rate cuts and further non-lending expansion.