SoFi Technologies, Inc. (SOFI) reported $1.01 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 37%. EPS of $0.13 for the same period compares to $0.05 a year ago.
The reported revenue represents a surprise of +3.15% over the Zacks Consensus Estimate of $981.89 million. With the consensus EPS estimate being $0.12, the EPS surprise was +9.71%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: 128.46 million versus 162.84 million estimated by three analysts on average.
- Total Products - Financial Services segment: 17.53 million compared to the 17.13 million average estimate based on three analysts.
- Members: 13.65 million versus 13.59 million estimated by two analysts on average.
- Total Products - Lending segment: 2.63 million versus the two-analyst average estimate of 2.99 million.
- Total Noninterest Income: $407.77 million versus $375.39 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +54.5% change.
- Net Interest Income: $617.28 million versus the five-analyst average estimate of $608.69 million. The reported number represents a year-over-year change of +31.3%.
- Total net revenue- Financial Services: $456.74 million versus the three-analyst average estimate of $446.02 million. The reported number represents a year-over-year change of +78.1%.
- Total Interest Income: $927.42 million versus the three-analyst average estimate of $912.22 million. The reported number represents a year-over-year change of +24.7%.
- Technology products and solutions: $93.96 million compared to the $93.32 million average estimate based on three analysts. The reported number represents a change of +6.3% year over year.
- Loan platform fees: $190.86 million compared to the $184.57 million average estimate based on three analysts.
- Loan origination, sales, and securitizations: $53.86 million compared to the $50.51 million average estimate based on three analysts. The reported number represents a change of -27.1% year over year.
- Other: $69.09 million compared to the $55.18 million average estimate based on three analysts. The reported number represents a change of +73.8% year over year.
View all Key Company Metrics for SoFi Technologies here>>>
Shares of SoFi Technologies have returned -7% over the past month versus the Zacks S&P 500 composite's +0.9% 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.
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SoFi Technologies, Inc. (SOFI): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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