---
schema_version: "secwatch.filing_event.v1"
accession: "0001818874-25-000148"
form_type: "8-K"
ticker: "SOFI"
cik: "0001818874"
company_name: "SoFi Technologies, Inc."
filed_at: "2025-07-29T23:59:59+00:00"
generated_at: "2026-05-17T23:46:53.833196+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# SoFi Q2 2025: Record revenue $855M, net income $97M, raises 2025 guidance

## Summary
- Adjusted net revenue up 44% YoY to record $858M; net income $97M vs $17M prior year.
- Fee-based revenue up 72% to record $378M; adjusted EBITDA up 81% to $249M.
- Member count up 34% to 11.7M; products up 34% to 17.1M.
- GAAP diluted EPS $0.08; adjusted diluted EPS $0.08, up 700% YoY.
- Management raises full-year 2025 guidance citing strong momentum.

## SEC filing metadata
- accession: 0001818874-25-000148
- form_type: 8-K
- ticker: SOFI
- cik: 0001818874
- company_name: SoFi Technologies, Inc.
- filed_at: 2025-07-29T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1818874/000181887425000148/0001818874-25-000148-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1818874/000181887425000148/sofi-20250729.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818874-25-000148
- JSON: https://secwatch.observer/filing/0001818874-25-000148.json
- Plain text: https://secwatch.observer/filing/0001818874-25-000148.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.