SoFi Beats Earnings Expectations, Sets Crypto Trading and Stablecoin Launch for 2025-2026

SoFi Technologies reported robust third-quarter 2025 results, with adjusted earnings per share of 11 cents, surpassing analyst expectations of 8 cents. Adjusted net revenue reached $950 million, beating forecasts of $889 million, driven by strong performance across its lending and financial services divisions.

The company raised its full-year adjusted net revenue guidance to $3.54 billion, up from $3.375 billion, and adjusted EBITDA guidance to $1.035 billion. SoFi added a record 905,000 new members in the quarter, bringing total membership to approximately 12.6 million, a 35% year-over-year increase.

Loan originations surged 57% to $9.9 billion, with personal loans hitting an all-time high of $7.5 billion. CEO Anthony Noto highlighted the company's one-stop-shop strategy, noting that "our growth has been consistent... it's broad-based and very profitable." The stock climbed 5.6% to close at $31.67 following the report, capping a 91% gain year-to-date.

In a significant move, SoFi plans to re-enter the cryptocurrency space by launching cryptocurrency trading by the end of 2025 and its own U.S. dollar-pegged stablecoin in 2026. Noto cited customer demand and blockchain's practical benefits, stating, "We see it as a way to send payments faster, cheaper, and safer." This follows the company's recent introduction of international remittances via blockchain technology.