---
schema_version: "secwatch.filing_event.v1"
accession: "0001818874-25-000204"
form_type: "8-K"
ticker: "SOFI"
cik: "0001818874"
company_name: "SoFi Technologies, Inc."
filed_at: "2025-10-28T23:59:59+00:00"
generated_at: "2026-05-17T01:58:47.115665+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# SoFi Q3 2025: Record net revenue $962M, net income $139M, raises FY2025 guidance

## Summary
- Record total net revenue $961.6M (+38% YoY); GAAP net income $139.4M ($0.11 diluted EPS) vs $60.7M.
- Adjusted net revenue $949.6M (+38%); adjusted EBITDA $276.9M (+49%); fee-based revenue $409M (+50%).
- Added 905k new members (total 12.6M, +35% YoY) and 1.4M new products (18.6M total, +36%).
- Management raises 2025 guidance, citing durable growth and strong credit performance.

## SEC filing metadata
- accession: 0001818874-25-000204
- form_type: 8-K
- ticker: SOFI
- cik: 0001818874
- company_name: SoFi Technologies, Inc.
- filed_at: 2025-10-28T23:59:59+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/1818874/000181887425000204/0001818874-25-000204-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1818874/000181887425000204/sofi-20251028.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818874-25-000204
- JSON: https://secwatch.observer/filing/0001818874-25-000204.json
- Plain text: https://secwatch.observer/filing/0001818874-25-000204.txt

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