SOFI Earnings Friday: 5 Key Metrics That Matter

$SoFi Technologies Inc.(SOFI)$ reports earnings on Friday!

Here are 5️⃣ key metrics to pay attention to:🧵

1/ Members & Products

$SOFI Member Ads in 2025:

- Q1 800K

- Q2 850K

- Q3 905K

Can they add 1M in Q4?

2/ ADJ EBITDA

This is a key metric and a proxy for FCF.

$SOFI guided for $1,035B for 2025.

So far in 2025, they have earned $736M.

$299M to reach the guide would imply 51% Y/Y growth.

3/ Lending Originations

In Q3, $SOFI Originated:

- $3.4B in Loan Platform Business

- $4.1B in Personal Loans

- $1.5B in Student Loans

- $945M in Home Loans

Strong LPB growth is required for the share price to increase.

4/ The Technology Platform

This segment has been underperforming expectations for 3 years.

- 12% Y/Y growth in 2023

- 12% in 2024

- 10.6% in LTM as of Q3 2025

An acceleration is necessary.

5/ Credit Performance

A significant deterioration in credit performance and higher loan defaults would crater the stock.

6/ Bonus

Crypto - An update on the adoption of the newly released retail and institutional crypto services would be welcome. A market would love strong adoption.

M&A - Sofi raised over $3B in the second half of 2025 from convertible notes. An acquisition could be welcomed by the market.

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