Digital financial services company SoFi Technologies (NASDAQ: SOFI) announced better-than-expected revenue in Q3 CY2025, with sales up 37.9% year on year to $961.6 million. On the other hand, the company’s full-year revenue guidance of $3.54 million at the midpoint came in 99.9% below analysts’ estimates. Its non-GAAP profit of $0.11 per share was 33.4% above analysts’ consensus estimates.

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Company Overview

Starting as a student loan refinancing company founded by Stanford business school students in 2011, SoFi Technologies (NASDAQ: SOFI) operates a digital financial platform offering lending, banking, investing, and other financial services to help members borrow, save, spend, invest, and protect their money.

Revenue Growth

Examining a company’s long-term performance can provide clues about its quality. Any business can have short-term success, but a top-tier one grows for years. Luckily, SoFi’s revenue grew at an incredible 48.6% compounded annual growth rate over the last five years. Its growth surpassed the average financials company and shows its offerings resonate with customers, a great starting point for our analysis.

We at StockStory place the most emphasis on long-term growth, but within financials, a half-decade historical view may miss recent interest rate changes, market returns, and industry trends. SoFi’s annualized revenue growth of 30.1% over the last two years is below its five-year trend, but we still think the results suggest healthy demand.

This quarter, SoFi reported wonderful year-on-year revenue growth of 37.9%, and its $961.6 million of revenue exceeded Wall Street’s estimates by 6.3%.

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Key Takeaways from SoFi’s Q3 Results

It was good to see SoFi beat analysts’ EPS expectations this quarter. We were also glad its revenue outperformed Wall Street’s estimates. On the other hand, its full-year revenue guidance missed. Overall, this print had some key positives. The stock traded up 3% to $30.97 immediately after reporting.

Sure, SoFi had a solid quarter, but if we look at the bigger picture, is this stock a buy? The latest quarter does matter, but not nearly as much as longer-term fundamentals and valuation, when deciding if the stock is a buy. We cover that in our actionable full research report which you can read here, it’s free for active Edge members.