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SoFi Technologies, Inc. (SOFI) Q1 2025 Earnings Call

📢 *SoFi Q1 2025 Earnings Call: Revenue Surges 33% to $772M, EPS Beats at $0.06!* *Key Highlights:* ✅ *Financials* – SoFi Technologies, Inc. (NASDAQ: SOFI) reported Q1 2025 adjusted revenue of $772 million, up 33.1% YoY from $581 million in Q1 2024, surpassing the consensus estimate of $739 million. Adjusted EPS was $0.06, beating the expected $0.03 by 100%, reflecting a significant improvement from $0.03 in Q1 2024. Adjusted EBITDA grew 25% to $150 million, exceeding forecasts of $110–120 million. GAAP net income and EPS specifics were not disclosed, but the company highlighted its second consecutive quarter of GAAP profitability in Q1 2024, suggesting a continued trend. ✅ *Operations* – SoFi added 800,000 new members, bringing the total to 10.9 million, a 37% YoY increase, surpassing its annual target pace of 2.8 million new members for 2025. Financial Services revenue soared 100% YoY to $214 million, driven by SoFi Money and SoFi Invest, while Lending revenue rose 25% to $332 million, and the Tech Platform segment grew 10% to $226 million, supported by Galileo and Technisys. Loan originations increased, with personal loans up significantly, backed by a $3.2 billion expansion in its Loan Platform Business through agreements with Fortress and Edge Focus. ✅ *Strategy* – CEO Anthony Noto described Q1 as a “strong start” to 2025, emphasizing SoFi’s focus on diversifying revenue through fee-based services like SoFi Plus and expanding its digital banking offerings, including the relaunch of crypto investing services for Bitcoin and Ether. The company raised its FY 2025 guidance, projecting adjusted net revenue of $3.285–3.360 billion (up 24–27% YoY) and GAAP EPS of $0.27–0.28, an increase of $85 million and $0.02, respectively, from prior forecasts. SoFi also aims for 20–25% annual EPS growth beyond 2026, focusing on embedded finance via Galileo. ✅ *Outlook* – SoFi anticipates continued member growth and revenue diversification, but challenges include a 1–2% currency headwind if current rates persist and U.S.-China trade tensions, particularly tariffs, which could impact its Tech Platform segment. Macro uncertainties stemming from tariffs have already contributed to a 24% YTD stock decline, though a 5.9% post-earnings rise signals optimism. SoFi’s strong fundamentals, stable credit trends, and access to funding (e.g., $525 million from PGIM Fixed Income) position it well, but competition from traditional banks like JPMorgan and potential regulatory pressures remain risks. *Keywords:* SoFi Q1 2025 earnings, SOFI stock update, fintech performance 📈 *Buy, Hold, or Sell?* SoFi (SOFI) is a **Hold**. Q1 revenue growth of 33% to $772 million and an EPS beat ($0.06 vs. $0.03) reflect strong momentum, with shares up 5.9% post-earnings to $11.23, yielding a market cap of $11.8 billion. The forward P/E ratio of 37.79X [Web ID 18] is high compared to the industry average of 15.4X, suggesting overvaluation despite a 54% stock rise over the past year. Strong member growth (10.9 million) and Financial Services revenue doubling are positives, but tariff risks, currency headwinds, and competition from traditional banks warrant caution. Hold for investors seeking fintech exposure with balanced risk. 📊 *Max Position* – Allocate *4–5%* in a diversified portfolio. SoFi’s $11.8B market cap, $2.81B in trailing 12-month revenue, and innovative platform offer growth, but trade tensions, high valuation, and macro uncertainties add risk. 💬 *Comment below with your thoughts!* 🔔 *Subscribe for more updates!* 📜 *Full Details:* [SoFi Investor Relations](https://investors.sofi.com)