Overview
- Shares have climbed 60.7% in 2025 and more than 355% over three years, setting a high bar ahead of the report.
- Q3 produced record revenue of $950 million, up 38% year over year, with adjusted EPS of $0.11 beating estimates and extending a four-quarter streak of EPS beats.
- SoFi added 905,000 members in Q3 to reach 12.6 million, and total products rose to 18.6 million as its digital-first model scaled.
- The financial services segment led growth with a 76% year-over-year sales increase, while all three business lines delivered double-digit gains.
- Analysts rate the stock Hold on average with a $28.31 price target, and valuation concerns persist at roughly 71 times forward earnings, putting focus on guidance, loan demand, and credit quality.