SoFi Technologies Q1 Earnings & Revenues Beat Estimates, Rise Y/Y

SoFi Technologies SOFI reported impressive first-quarter 2025 results, with earnings and revenues beating the Zacks Consensus Estimate.Quarterly earnings of six cents per share beat the consensus mark by 100% and increased 200% year over year. Revenues of $770.7 million topped the consensus mark by 3.8% and rose 19.5% year over year.  SoFi Technologies, Inc. Price, Consensus and EPS Surprise SoFi Technologies, Inc. price-consensus-eps-surprise-chart | SoFi Technologies, Inc. QuoteThe better-than-expected results failed to impress the market as the stock depreciated 5.7% since the earnings release on April 23, 2025Q1 Revenue Details of SOFIThe Financial Services segment’s net revenues of $303.1 million increased more than 100% year over year in the March-end quarter of 2025.The Technology Platform segment and Lending segment’s revenues totaled $103.4 million and $413.4 million, respectively, marking an increase of 10% and 25% year over year.In the first quarter of 2025, SoFi's Loan Platform Business contributed $96.1 million to the company's consolidated adjusted net revenues. Of this amount, $92.8 million was generated by originating $1.6 billion in personal loans on behalf of third parties and referring clients to third parties. An additional $3.3 million in servicing cash flow was generated and recorded in SoFi’s Lending segment.SOFI’s Margins ContractThe adjusted EBITDA came in at $210.3 million in the first quarter of 2025, which increased 46% from the prior-year period's $144.4 million. The adjusted EBITDA margin of 27% improved by 200 basis points year over year.SOFI’s Key Balance Sheet and Cash Flow FiguresSoFi ended the quarter with a cash and cash equivalent balance of $2.1 billion compared with $2.5 billion at the end of the prior quarter. Operating cash in the quarter was $59 million, and capital expenditures were $12.4 million. RHI paid out $61 million in dividends.SOFI’s 2025 GuidanceFor the full-year 2025, SOFI expects to deliver revenues between $3.24 and 3.31 billion, which is lower than the Zacks Consensus Estimate of $3.36 billion.Management expects adjusted EBITDA to range between $875 and 895 million, above the prior guidance of $845-865 million.SoFi now expects 2025 EPS to range between 27 and 28 cents per share, above the prior guidance of 25-27 cents per share as well as the Zacks Consensus Estimate of 26 cents.In the second quarter of 2025, management expects to generate $785-805 million of adjusted net revenues (the midpoint of which is $795 million and is above the Zacks Consensus Estimate of $791.6 million). Further, management forecasts $200-210 million of adjusted EBITDA and EPS in the range of 5-6 cents per share, and the higher end of the range is in line with the Zacks Consensus Estimate of 6 cents per share.The company currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.Earnings SnapshotFiserv, Inc. FI reported mixed first-quarter 2025 results. The company’s earnings beat the Zacks Consensus Estimate, while revenues missed the mark.FI’s adjusted earnings per share of $2.14 beat the consensus mark by 2.9% and gained 13.8% year over year. Adjusted revenues of $4.8 billion missed the consensus estimate by 1.6% but rose 5.5% on a year-over-year basis. (See the Zacks Earnings Calendar to stay ahead of market-making news.)The Interpublic Group of Companies, Inc. IPG reported mixed first-quarter 2025 results. The company’s earnings topped the Zacks Consensus Estimate, while revenues missed the mark.IPG’s adjusted earnings of 33 cents per share surpassed the Zacks Consensus Estimate by 10% but decreased 8.3% from the year-ago quarter. Revenues before billable expenses (net revenues) of $2 billion missed the consensus estimate by a slight margin and declined 20% year over year. Total revenues of $2.3 billion decreased 7.2% year over year but outpaced the Zacks Consensus Estimate of $2 billion.5 Stocks Set to DoubleEach was handpicked by a Zacks expert as the #1 favorite stock to gain +100% or more in 2024. While not all picks can be winners, previous recommendations have soared +143.0%, +175.9%, +498.3% and +673.0%.Most of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor.Today, See These 5 Potential Home Runs >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Interpublic Group of Companies, Inc. (The) (IPG): Free Stock Analysis Report Fiserv, Inc. (FI): Free Stock Analysis Report SoFi Technologies, Inc. (SOFI): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks