SoFi Technologies Posts Record Q3 2025 Revenue of $962 Million, Up 38%, in Eighth Consecutive Profitable Quarter

SoFi Technologies has reported record GAAP net revenue of $961.6 million for the third quarter of 2025, a 38% increase compared with the same period a year earlier, as the digital financial services company continued to scale across its lending, financial services, and technology platform segments. Net income for the quarter reached $139 million, the company's eighth consecutive profitable quarter.

The revenue figure set a new quarterly record for the company, extending a streak of sequential and year-on-year growth that management has described as evidence of the operating leverage embedded in its model. The company operates as a bank holding company following the receipt of its banking licence in 2022, which enables it to fund loans from customer deposits rather than relying exclusively on the securitisation markets.

PROFITABILITY

Net income of $139.4 million in the third quarter more than doubled from $60.7 million a year earlier. SoFi's management has consistently pointed to revenue diversification across banking, financial services, and technology as a key factor in reducing earnings volatility and sustaining growth across different interest rate environments.

BANCO NACIÓN ARGENTINA SELECTS CYBERBANK PLATFORM

In a commercial development first disclosed with its second-quarter results in July 2025, Banco de la Nación Argentina selected SoFi's Cyberbank Digital platform for its digital banking modernisation programme. SoFi's technology services division licences its banking platform to financial institutions seeking to update and modernise their digital infrastructure and customer-facing applications.

Cyberbank Digital is designed for large financial institutions undertaking core banking transformation. SoFi published the results on 28 October 2025.