From home equity and student loans to FinTech infrastructure via Galileo and Technisys, SoFi’s growth roadmap combines banking, tech and B2B services with a low-cost, high-lifetime value user acquisition model.SoFi is doubling down on blockchain (launching instant international transfers, reentering crypto, and exploring stablecoins and crypto-backed loans) and AI (automating fraud detection and launching financial coach tools).SoFi reported a record-breaking second quarter, adding 850,000 new members and 1 ...

周二，SoFi Technologies(SOFI.US)大涨超17%，创4年新高，报27.78美元。消息面上，SoFi第二季度调 整后营业收入增长44%，超出分析师预期;调整后的Ebitda增长81%至2.49亿美元，反映强劲的运营表 现。该公司上调2025年财务指引，将2025年调整后营业收入指引上调至33.75亿美元，预计2025年调整 后Ebitda为9.6亿美元，表明对持续增长的信心。 ...

For the quarter ended June 2025, SoFi Technologies, Inc. (SOFI) reported revenue of $858.23 million, up 43.8% over the same period last year. EPS came in at $0.08, compared to $0.01 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $805.44 million, representing a surprise of +6.55%. The company delivered an EPS surprise of +33.33%, with the consensus EPS estimate being $0.06.While investors closely watch year-over-year changes in headline numbers -- revenue and earning ...

CHONGQING, CHINA - JULY 27: In this photo illustration, a smartphone displays the logo of SoFi ... More Technologies Inc. (NASDAQ: SOFI), a U.S.-based online personal finance company and digital bank, in front of a screen showing the company's latest stock market chart on July 27, 2025 in Chongqing, China. (Photo illustration by Cheng Xin/Getty Images)Getty Images SoFi Technologies stock (NASDAQ:SOFI) surged 14% in early trading on Tuesday, July 29, after the announcement of strong Q2 earnings. The firm dis ...

SoFi (SOFI) Q2 2025 Earnings Call July 29, 2025 08:00 AM ET Company ParticipantsAnthony Noto - CEO & DirectorChris Lapointe - CFOJohn Hecht - Managing DirectorPeter Christiansen - DirectorKyle Joseph - Managing DirectorReggie Smith - ED - Equity ResearchConference Call ParticipantsDan Dolev - Senior Analyst - FinTech Equity ResearchAndrew Jeffrey - Equity Analyst - FintechKyle Peterson - Senior AnalystMoshe Orenbuch - MD & Senior AnalystOperatorThank you, and good morning. Welcome to SoFi's second quarter t ...

SoFi (SOFI) Q2 2025 Earnings Call July 29, 2025 08:00 AM ET Speaker0Thank you, and good morning. Welcome to SoFi's second quarter twenty twenty five earnings conference call. Joining me today to talk about our results and recent events are Anthony Noto, CEO and Chris Lapointe, CFO. You can find the presentation accompanying our earnings release in the Investor Relations section of our website. Unless otherwise stated, we'll be referring to the adjusted results for the 2025 versus the 2024.Our remarks today ...

Investor Presentation Q2 2025 July 2025 Disclaimer Use of Non-GAAP Financial Measures This presentation includes certain non-GAAP financial measures (including on a forward-looking basis) such as Adjusted Net Revenue, Adjusted EBITDA, Adjusted EBITDA Margin, Adjusted EPS, ROTCE, Adjusted Net Income, Adjusted Net Income Margin, Incremental Adjusted EBITDA, Adjusted Noninterest Income, and Tangible Book Value. These non-GAAP measures are in addition to, and not a substitute for or superior to, measures of fin ...

SoFi Technologies财报前瞻 - SoFi Technologies将于2025年7月29日公布财报 历史数据显示财报后首日股价69%概率上涨 中位数涨幅5.3% 最大单日涨幅达28.4% [2][7] - 分析师预期每股收益0.06美元 营收8.04亿美元 同比去年同期的0.02美元每股收益和5.97亿美元营收显著增长 [3] - 公司当前市值230亿美元 过去12个月营收28亿美元 净利润4.82亿美元 [4] 历史回报规律分析 - 过去5年16次财报中 11次出现首日正回报(69%) 正回报中位数5.3% 负回报中位数-10% 近3年正回报概率微降至67% [7] - 存在1日/5日/21日回报率相关性策略 若1日与5日回报相关性高 可在首日正回报后建立5日多头仓位 [8] - 同业公司财报表现可能影响SoFi股价反应 历史数据显示同业财报后首日回报与SoFi存在关联性 [9] 交易策略参考 - 预财报布局策略：基于69%的历史正回报概率 可考虑财报前建仓 [6] - 财报后布局策略：通过分析即时回报与中期回报相关性指导交易决策 例如首日与5日回报的关联性 [6][8] - 作为个股替代方案 Trefis高质量投资组合自成立以来回报率超91% 表现优于标普500指数 [4][10]

行业概况 - 美国金融科技行业竞争激烈 Green Dot和SoFi Technologies是两家在数字银行领域快速发展的上市公司 [1] - Green Dot专注于预付借记卡和银行即服务(BaaS)解决方案 为第三方平台提供嵌入式金融服务 [1] - SoFi运营全栈数字银行平台和直接贷款业务 提供个人贷款 学生贷款再融资和抵押产品 并拥有全国性银行牌照 [2] Green Dot业务模式 - 通过战略创新和深度合作伙伴关系推动长期增长 重点是通过预付卡获取长期用户 包括自有品牌和沃尔玛联名卡等 [3] - 利用专有技术平台和FDIC保险银行牌照提供BaaS服务 为沃尔玛 Uber和苹果等大公司提供白标银行解决方案 [3] - 通过与沃尔玛 Uber和苹果的BaaS合作 直接将其金融产品整合到这些平台生态系统中 通过交换费和存款利息收入获利 [4] - 资产轻量化的资产负债表支持更高的交换利润率 减少对利息收入的依赖 提高运营效率 [5] SoFi业务模式 - 采用"先占领后扩张"战略 通过多样化金融服务吸引客户 形成强大的交叉销售动态 [6] - 与Fortress投资集团延长20亿美元贷款平台业务协议 重点发展个人贷款 转向资本需求较低 灵活性更高的收费收入模式 [7] - 推出两款新信用卡(SoFi Everyday Cash Rewards和SoFi Essential Credit Card) 巩固在消费金融领域的地位 提高用户终身价值 [8][9] 财务预测比较 - SoFi 2025年销售和EPS预计同比增长26%和87% 过去60天EPS预期呈上升趋势 [10] - 2025年Q2销售预计8.054亿美元(同比增长34.92%) 全年预计32.9亿美元(增长26.33%) [11] - 2025年Q2 EPS预计0.06美元(同比增长500%) 全年预计0.28美元(增长86.67%) [12] - Green Dot 2025年销售预计增长20% EPS预计下降11% 过去60天EPS预期无变化 [13] - 2025年Q2销售预计4.9575亿美元(增长23.15%) 全年预计20.5亿美元(增长20.15%) [14] - 2025年Q2 EPS预计0.17美元(同比下降32%) 全年预计1.22美元(下降10.95%) [15] 估值比较 - Green Dot远期12个月P/E为7.65倍 低于其中位数10.51倍 估值具有吸引力 [16] - SoFi远期P/E为53.2倍 高于其中位数41.4倍 反映投资者对其盈利快速增长潜力的信心 [16] 结论 - SoFi凭借积极的增长战略 全国银行牌照和不断扩大的产品组合成为更明智的金融科技选择 [17] - Green Dot的BaaS模式和与沃尔玛 苹果等巨头的稳定合作关系提供稳定性 但EPS下降前景限制了发展势头 [17]

SoFi Technologies Inc (NASDAQ:SOFI) is gearing up for its second-quarter earnings report, due out before the open on Tuesday, July 29. Analysts anticipate earnings of 6 cents per share on revenue of $805.44 million, representing significant growth from the same quarter last year. On the charts, SOFI has been shooting higher since early April, recently hitting a July 18, more than three-year high of $22.74. The $20 level appears to be moving in as potential support, swooping in to catch the latest pullback a ...