SoFi Earnings Date: Q2 2025 Report Schedule
SoFi Q2 2025 earnings estimated for late July 2025. Track SOFI report dates, analyst estimates, and earnings call details at investors.sofi.com.
Last Updated: June 15, 2025
SoFi Technologies, Inc. (SOFI) is scheduled to report Q2 2025 earnings in late July 2025, after market close (AMC). Status: ESTIMATED, based on SoFi's historical reporting pattern. SoFi Technologies is a fintech company and digital banking platform offering lending and digital financial services products, listed on NASDAQ under the ticker SOFI. The Q2 2025 earnings release date and earnings report date will be confirmed by SoFi Technologies at investors.sofi.com typically 2–4 weeks before the release.
SoFi's Next Earnings Date
Quick Answer
| Field | Details |
|---|---|
| Next Earnings Date | Late July 2025 (estimated) |
| Quarter Covered | Q2 2025 (April–June 2025) |
| Report Timing | After market close (AMC) |
| Status | ESTIMATED — based on historical reporting pattern |
| Earnings Call Time | TBD. Typically 5:00 PM ET on earnings day. |
| Official Source | SoFi Technologies Investor Relations |
For informational purposes only. Not investment advice.
SoFi Technologies reports quarterly financial results four times per year, with its fiscal year aligned to the calendar year: Q1 covers January through March, Q2 covers April through June, Q3 covers July through September, and Q4 covers October through December. SoFi typically releases results 4–6 weeks after the quarter ends. Q1 results land in late April or early May, Q2 in late July or early August, Q3 in late October or early November, and Q4 (along with full-year annual results) in late January or early February. This pattern is the foundation for any estimated date on this page when SoFi has not yet made an official announcement.
The date is also listed on the NASDAQ earnings calendar, which reflects both confirmed and estimated dates. Note that NASDAQ's dates are algorithmically projected and may differ from the official SoFi IR announcement.
2025 SoFi Earnings Calendar
| Quarter | Earnings Date | Status | Fiscal Period Covered |
|---|---|---|---|
| Q1 2025 | April 29, 2025 | CONFIRMED — Source: SoFi IR | January–March 2025 |
| Q2 2025 | Late July 2025 | ESTIMATED — based on historical pattern | April–June 2025 |
| Q3 2025 | Late October 2025 | ESTIMATED — based on historical pattern | July–September 2025 |
| Q4 2025 | Late January 2026 | ESTIMATED — based on historical pattern | October–December 2025 |
Confirmed vs. Estimated: How to Read the Date Status
A date labeled CONFIRMED has been officially announced by SoFi Technologies through a press release or events posting on its Investor Relations website at investors.sofi.com/events-and-presentations/events. A date labeled ESTIMATED is projected from SoFi's historical reporting pattern. The company has not yet published an official announcement, and the date could shift when confirmed. SoFi typically announces its earnings date 2–4 weeks before the release via a press release filed as a Form 8-K with the SEC. You can monitor the SoFi Investor Relations events page for the official confirmation as it becomes available.
SoFi Earnings Estimates: What Analysts Expect
SOFI Q2 2025 Analyst Estimates
| Metric | Estimate | Type | Source |
|---|---|---|---|
| EPS | Update pending | Non-GAAP adjusted | FactSet consensus, as of Q1 2025 earnings |
| Adjusted Net Revenue | Update pending | Adjusted net revenue ($M) | FactSet consensus, as of Q1 2025 earnings |
| Analysts covering SOFI | ~20 | — | FactSet |
Analyst estimates for Q2 2025 will be published as the quarter progresses. Check back closer to the earnings date for updated consensus figures. For reference, SoFi reported non-GAAP adjusted EPS of $0.06 and adjusted net revenue of $771.8M in Q1 2025.
The analyst consensus estimate is the average EPS and revenue forecast from the Wall Street analysts who cover SoFi stock. If SoFi's actual reported figures exceed this estimate, the result is called an earnings beat; if results fall short, it is a miss. Both the EPS beat and the revenue beat are tracked separately; a company can beat on one metric while missing on the other.
EPS, or earnings per share, measures SoFi's net profit divided by total shares outstanding. For SOFI specifically, two EPS figures appear in each earnings release: GAAP EPS and non-GAAP adjusted EPS. Analyst consensus estimates on platforms like FactSet and Bloomberg track the non-GAAP adjusted figure, which excludes stock-based compensation and amortization of acquired intangibles. When financial media reports that SoFi beat earnings estimates, they are referring to the non-GAAP adjusted EPS figure.
On the revenue side, SoFi reports adjusted net revenue (SoFi's primary top-line metric, which excludes fair value adjustments on certain financial instruments) rather than GAAP total net revenue. The analyst consensus revenue estimate for SOFI is built on adjusted net revenue. This is the figure that appears in the revenue columns of the estimates table and the historical earnings table below.
SoFi reports after market close (AMC), meaning results and the call arrive after the 4:00 PM ET market close. Traders using options strategies around the earnings event should factor in this AMC timing when structuring positions.
Beyond the published consensus, some traders also track the earnings whisper number, an informal, often higher estimate that reflects buy-side expectations and can influence how the market reacts even when a company technically beats the published consensus. Current whisper figures are available at EarningsWhispers.com (cited as an informal resource only, not an official source).
SoFi's Most Recent Earnings Results
Q1 2025 Earnings Results — Released April 29, 2025
| Metric | Actual | Estimate | Result |
|---|---|---|---|
| Non-GAAP EPS | $0.06 | $0.06 | In line with consensus |
| Adjusted Net Revenue | $771.8M | $739.8M | Beat by $32.0M (+4.3%) |
| GAAP Net Income | $71.1M | — | — |
| Stock Price (Earnings Day) | SOFI rose 4.7% on April 29, 2025 | — | — |
Source: SoFi Technologies Q1 2025 earnings press release, investors.sofi.com
In Q1 2025, SoFi reported non-GAAP adjusted EPS of $0.06, matching the analyst consensus estimate of $0.06. Adjusted net revenue came in at $771.8M, exceeding the consensus estimate of $739.8M by $32.0M, or 4.3%. GAAP net income for the quarter was $71.1M.
On earnings day, April 29, 2025, SOFI stock rose 4.7%, closing higher following the results release. Net interest income (NII) was a key contributor to the adjusted net revenue result, reflecting SoFi Bank's deposit-funded lending model.
SoFi management guided for adjusted net revenue of $785M–$800M and non-GAAP EPS of $0.06–$0.07 for Q2 2025 (per the Q1 2025 earnings call). These are forward-looking estimates and are subject to material change.
SoFi Technologies reported its first GAAP net income in Q4 2023 and has maintained GAAP profitability in subsequent quarters. On a non-GAAP adjusted basis, SoFi had been profitable for several quarters prior to that milestone. The Q1 2025 GAAP net income of $71.1M reflects continued GAAP profitability.
SoFi Earnings History
The table below covers SoFi's quarterly earnings results from Q2 2022 through Q1 2025, including EPS estimates and actuals, adjusted net revenue, analyst surprise percentages, stock price reactions on earnings day, and management revenue guidance midpoints. EPS figures are non-GAAP adjusted unless noted. Revenue figures reflect SoFi's adjusted net revenue metric, not GAAP total net revenue.
SoFi has beaten analyst EPS estimates in 8 of the last 10 quarters reported.
| Quarter | Earnings Date | EPS Est. (Non-GAAP) | EPS Act. (Non-GAAP) | EPS Surprise % | Rev. Est. ($M, Adj.) | Rev. Act. ($M, Adj.) | Rev. Surprise % | Stock Price Change | Rev. Guidance Midpoint ($M) |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2025 | Apr 29, 2025 | $0.06 | $0.06 | 0.0% | $739.8 | $771.8 | +4.3% | +4.7% | $792.5 |
| Q4 2024 | Jan 27, 2025 | $0.04 | $0.05 | +25.0% | $668.6 | $734.1 | +9.8% | +10.3% | $772.5 |
| Q3 2024 | Oct 29, 2024 | $0.05 | $0.05 | 0.0% | $641.9 | $689.4 | +7.4% | +8.3% | $700.5 |
| Q2 2024 | Jul 30, 2024 | $0.04 | $0.05 | +25.0% | $595.3 | $597.0 | +0.3% | -10.8% | $645.0 |
| Q1 2024 | Apr 29, 2024 | $0.06 | $0.09 | +50.0% | $553.1 | $580.6 | +5.0% | +11.1% | $595.0 |
| Q4 2023 | Jan 29, 2024 | $0.02 | $0.02 | 0.0% | $540.6 | $594.3 | +9.9% | -5.8% | $560.0 |
| Q3 2023 | Oct 30, 2023 | $0.07 | $0.09 | +28.6% | $518.2 | $531.0 | +2.5% | +7.7% | $545.0 |
| Q2 2023 | Jul 31, 2023 | $0.03 | $0.05 | +66.7% | $478.8 | $498.0 | +4.0% | +13.7% | $520.0 |
| Q1 2023 | May 1, 2023 | -$0.08 | $0.05 | N/A | $440.0 | $460.0 | +4.5% | +5.4% | $485.0 |
| Q2 2022 | Aug 1, 2022 | -$0.12 | -$0.12 | 0.0% | $348.3 | $356.0 | +2.2% | -6.1% | N/A |
(a) EPS figures are non-GAAP adjusted. (b) Revenue figures are SoFi's adjusted net revenue, not GAAP total net revenue. (c) Revenue Guidance Midpoint reflects SoFi management's guidance issued at the prior quarter's earnings call. Sources: SoFi Technologies earnings press releases, investors.sofi.com/financial-information/quarterly-results. Stock price data sourced from exchange records, close-to-close on earnings day.
SoFi Earnings Call: Time, Access, and Replay
SoFi Technologies Q2 2025 Earnings Call
| Field | Details |
|---|---|
| Date | Late July 2025 (estimated) |
| Time | TBD. Typically 5:00 PM ET, shortly after market close. |
| Access | investors.sofi.com/events-and-presentations/events |
The SoFi Technologies earnings call is a live conference call held on the same day as the quarterly earnings press release, typically led by CEO Anthony Noto, who presents key financial results and takes questions from sell-side analysts covering the stock. SoFi typically reports earnings after market close (AMC), with the earnings call following approximately 30–60 minutes after the press release is published.
How to watch the SoFi earnings call live:
- Visit investors.sofi.com/events-and-presentations/events
- Click on the Q2 2025 Earnings Call webcast link when it appears
- Register if prompted, or click to join the live stream directly
- For phone access, use the dial-in number provided in SoFi's earnings press release, available at investors.sofi.com
If you missed the live call, SoFi typically posts the webcast replay at investors.sofi.com/events-and-presentations/events within 24–48 hours of the call. A full earnings call transcript is also available via SEC EDGAR after the call.
During the call, management typically provides forward guidance for the next quarter, covering adjusted net revenue, adjusted EBITDA, and EPS. These guidance figures are then used by analysts to update their consensus estimates for SOFI. Any guidance figures stated on the call are forward-looking estimates and are subject to material change.
SoFi simultaneously files a Form 8-K with the Securities and Exchange Commission when the earnings press release is issued, making the financial data publicly accessible through SEC EDGAR. A more detailed Form 10-Q (or Form 10-K for Q4) is filed with the SEC within 40–60 days of the quarter end, containing full financial statements, risk factors, and management discussion and analysis.
Understanding SoFi's Business Segments and Key Earnings Metrics
SoFi Technologies reports financial results in three reportable business segments: Lending, Technology Platform, and Financial Services. Understanding what each segment does and which metrics matter helps investors interpret each quarter's results in context. Segment reporting follows SoFi's SPAC merger completion in January 2021, when the company began trading publicly on NASDAQ as SOFI.
SoFi received its national bank charter in January 2022, a transformative event for the company's revenue structure. The charter, granted to SoFi Bank, N.A. (a wholly owned subsidiary of SoFi Technologies, Inc.), enabled the company to fund loans using lower-cost customer deposits rather than expensive warehouse lending facilities. Since the bank charter, net interest income (NII), the difference between the interest SoFi earns on loans and deposits and the interest it pays to depositors, has grown into one of the most closely watched metrics in SOFI earnings reports. SoFi Bank's deposit total and deposit growth rate are frequently cited by analysts as measures of funding cost improvement.
Lending Segment
The Lending segment is SoFi's historically largest revenue contributor, encompassing personal loans, student loan refinancing, and home loans. SoFi was founded on student loan refinancing and continues to offer those products alongside its broader loan portfolio. The key metrics analysts watch each quarter for this segment are loan origination volume, NII from the loan book, and the segment's contribution to total adjusted net revenue. This segment's performance is sensitive to the broader interest rate environment and consumer credit conditions, which management typically addresses directly on the earnings call.
Technology Platform Segment
The Technology Platform segment includes Galileo Financial Technologies (acquired by SoFi in 2020) and Technisys (acquired in 2022), which provide Banking-as-a-Service (BaaS) infrastructure and core banking technology to third-party fintech companies and financial institutions. This is SoFi's B2B revenue stream, distinct from its consumer-facing products. The primary metric analysts track for this segment is the number of enabled accounts on the Galileo and Technisys platforms. Technology Platform revenue growth signals how broadly SoFi's infrastructure is being adopted beyond its own consumer products.
Financial Services Segment
The Financial Services segment covers SoFi's consumer non-lending products: SoFi Money (checking and savings accounts), SoFi Invest (brokerage and robo-advisor), SoFi Credit Card, and SoFi Relay (personal financial tracking). The primary metric for this segment is the number of Financial Services products held by members. Management frequently cites product count growth on earnings calls as evidence of the cross-sell flywheel, the pattern where lending members adopt banking and investment products over time. SoFi's total member count is a consolidated company metric reported alongside segment results, not a figure attributed to Financial Services alone.
SoFi Technologies reported its first GAAP net income in Q4 2023 and has maintained GAAP profitability since. On a non-GAAP adjusted basis, SoFi reached profitability in 2023. Both the GAAP and non-GAAP figures are published in each quarterly earnings press release and are reflected in the historical table above.
Frequently Asked Questions About SoFi Earnings
When does SoFi report earnings?
SoFi Technologies reports quarterly earnings four times per year, covering Q1 (January–March), Q2 (April–June), Q3 (July–September), and Q4 (October–December). The next earnings date is estimated for late July 2025, covering Q2 2025 results. The official date has not yet been confirmed. SoFi typically announces the confirmed date 2–4 weeks before the release at investors.sofi.com.
Is SoFi's next earnings date confirmed?
The Q2 2025 earnings date is currently ESTIMATED, based on SoFi's historical pattern of releasing quarterly results 4–6 weeks after the quarter ends. A date labeled CONFIRMED on this page has been officially announced by SoFi Technologies via a press release or events posting at investors.sofi.com. You can verify the current status directly at SoFi Technologies Investor Relations.
What are analysts expecting for SoFi earnings?
Analyst consensus estimates for Q2 2025 will be published as the quarter progresses and are available through sources such as the Yahoo Finance analyst estimates page for SOFI. The consensus estimate is the average EPS and adjusted net revenue forecast from the Wall Street analysts who cover SoFi stock, typically around 20 analysts. When updated consensus figures are available, this page will reflect them with a source attribution and as-of date.
What time does the SoFi earnings call start?
The SoFi Q2 2025 earnings call time has not yet been confirmed. SoFi typically hosts its earnings call at approximately 5:00 PM ET on the same day as the earnings press release, shortly after market close. You can find the confirmed call time and webcast link at investors.sofi.com/events-and-presentations/events once the date is announced.
How do I watch the SoFi earnings call?
To watch the SoFi earnings call live, visit investors.sofi.com/events-and-presentations/events, click the Q2 2025 Earnings Call webcast link, and register if prompted. You can also listen by phone using the dial-in number provided in SoFi's earnings press release. The replay is posted at the same URL within 24–48 hours of the call.
Did SoFi beat earnings last quarter?
In Q1 2025, SoFi reported non-GAAP adjusted EPS of $0.06, matching the analyst consensus estimate of $0.06. Adjusted net revenue of $771.8M exceeded the consensus estimate of $739.8M by $32.0M, or 4.3%. The full Q1 2025 results, including historical comparisons, are in the earnings history table above.
How has SoFi stock performed after earnings?
On earnings day for Q1 2025 (April 29, 2025), SOFI stock rose 4.7%. For a multi-quarter view of SOFI's earnings-day stock price reactions, see the Stock Price Change column in the SoFi Earnings History table above, which covers the last 10 reported quarters.
Is SoFi profitable?
SoFi Technologies reported its first GAAP net income in Q4 2023 and has maintained GAAP profitability in subsequent quarters. On a non-GAAP adjusted basis, SoFi reached profitability in 2023. The most recent quarter's GAAP net income was $71.1M in Q1 2025, per SoFi Technologies' Q1 2025 earnings press release at investors.sofi.com.
What is SoFi's revenue?
In Q1 2025, SoFi reported adjusted net revenue of $771.8M, exceeding the analyst estimate of $739.8M. SoFi's adjusted net revenue for full-year 2024 was approximately $2.6B, per SoFi Technologies' 2024 annual earnings press release. Revenue figures on this page always refer to SoFi's adjusted net revenue metric, which differs from GAAP total net revenue.
What segments does SoFi report earnings in?
SoFi Technologies reports financial results in three reportable segments: (1) Lending, covering personal loans, student loan refinancing, and home loans; (2) Technology Platform, covering Galileo and Technisys B2B banking infrastructure; (3) Financial Services, covering SoFi Money, SoFi Invest, SoFi Credit Card, and SoFi Relay. Each segment reports its contribution to total adjusted net revenue in SoFi's quarterly earnings press releases at investors.sofi.com.
Where can I find SoFi's earnings history?
SoFi's quarterly earnings history is available in the table on this page. Official earnings press releases are archived at investors.sofi.com/financial-information/quarterly-results. For full financial statements, SEC filings including Form 10-Q (quarterly) and Form 10-K (annual) are available through SEC EDGAR.
What is the difference between SoFi's GAAP and non-GAAP earnings?
SoFi reports both GAAP and non-GAAP adjusted earnings in each quarterly press release. Non-GAAP adjusted figures exclude items such as stock-based compensation and amortization of acquired intangibles. These are real expenses, but they are excluded to show the underlying operating performance of the business. Wall Street analyst consensus estimates track the non-GAAP adjusted EPS figure. When financial media reports that SoFi beat or missed earnings estimates, the comparison is almost always against the non-GAAP figure, not GAAP EPS.
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This content is for informational purposes only and does not constitute investment advice. Earnings dates listed as "estimated" are based on historical reporting patterns and are subject to change. Always verify confirmed dates directly with SoFi Technologies' Investor Relations department at investors.sofi.com. Any guidance figures referenced on this page represent SoFi management's forward-looking estimates and are subject to material change.