SoFi Technologies (SOFI) Reports Q3 Earnings: What Key Metrics Have to Say

SoFi Technologies, Inc. (SOFI) reported $949.63 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 37.7%. EPS of $0.11 for the same period compares to $0.05 a year ago.The reported revenue represents a surprise of +6.6% over the Zacks Consensus Estimate of $890.83 million. With the consensus EPS estimate being $0.09, the EPS surprise was +22.22%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.Here is how SoFi Technologies performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Total Accounts - Technology Platform segment: 157.86 million versus 165.69 million estimated by three analysts on average.Total Products - Financial Services segment: 16.09 million compared to the 15.67 million average estimate based on three analysts.Members: 12.64 million versus 12.52 million estimated by two analysts on average.Total Products: 18.55 million versus 18.53 million estimated by two analysts on average.Total Noninterest Income: $376.49 million versus the four-analyst average estimate of $346.16 million. The reported number represents a year-over-year change of +41.5%.Net Interest Income: $585.11 million versus $546.51 million estimated by four analysts on average. Compared to the year-ago quarter, this number represents a +35.8% change.Other: $56.45 million versus the three-analyst average estimate of $44.29 million. The reported number represents a year-over-year change of +42.7%.Technology products and solutions: $89.71 million compared to the $96.42 million average estimate based on three analysts. The reported number represents a change of -1.3% year over year.Loan origination, sales, and securitizations: $65.43 million versus the three-analyst average estimate of $67.87 million. The reported number represents a year-over-year change of -6.6%.Total Interest Income: $891.56 million versus $845.24 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +23.3% change.Loan platform fees: $164.9 million versus $144.92 million estimated by two analysts on average.Total net revenue- Other: $-65.98 million versus the two-analyst average estimate of $-65.47 million.View all Key Company Metrics for SoFi Technologies here>>>Shares of SoFi Technologies have returned +8.9% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Quantum Computing Stocks Set To SoarArtificial intelligence has already reshaped the investment landscape, and its convergence with quantum computing could lead to the most significant wealth-building opportunities of our time.Today, you have a chance to position your portfolio at the forefront of this technological revolution. In our urgent special report, Beyond AI: The Quantum Leap in Computing Power, you'll discover the little-known stocks we believe will win the quantum computing race and deliver massive gains to early investors.Access the Report Free Now >>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 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