secwatch.observer — SEC 8-K summary
======================================

Issuer:     SoFi Technologies, Inc. (SOFI)
CIK:        0001818874
Form:       8-K
Filed at:   2025-10-28T23:59:59+00:00
Accession:  0001818874-25-000204
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1818874/000181887425000204/0001818874-25-000204-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1818874/000181887425000204/sofi-20251028.htm
  HTML page:      https://secwatch.observer/filing/0001818874-25-000204

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer