SoFi stock explodes 18% after shocking Q2 surprise as CEO declares 'this is the worst we'll ever be' with member and product growth hitting all-time highs
17.6%
after delivering blockbuster Q2 2025 earnings, blowing past Wall Street expectations on both revenue and profit. Backed by record loan originations, strong member growth, and a confident bullish forecast from the CEO, SoFi's latest performance has reignited investor optimism.
SoFi earnings top forecasts as profit and revenue soar
SoFi reported adjusted earnings per share of $0.08, beating consensus estimates of $0.06. The company also posted $858 million in revenue, up 44% year-over-year, far ahead of Wall Street's expected $804 million.
Meanwhile, adjusted EBITDA jumped 81% to $249 million, representing a 29% EBITDA margin—a clear sign of operational efficiency and improving profitability.
These results mark SoFi's seventh consecutive quarter of GAAP profitability, a major milestone for a company once known for aggressive growth but inconsistent earnings.
Record loan originations drive growth momentum
The biggest highlight of the quarter?
Loan originations surged to $8.8 billion
, an all-time high. Here's how it breaks down:
Live Events
Personal loans
skyrocketed 66% year-over-year to $7 billion
Student loans
rose 35% to $1 billion
Home loans
nearly doubled, up 92%, hitting around $800 million
This explosive growth in lending shows SoFi's expanding market share and reflects rising consumer trust in its lending platform.
Member growth and product adoption hit all-time highs
SoFi added
850,000 net new members
in Q2, marking a
34% increase year-over-year
. That brings SoFi's total membership to approximately
11.7 million
.
The company also added
1.26 million new products
, pushing the total product count to
17.1 million
. This growth highlights the strength of SoFi's cross-sell strategy and its growing appeal as a
one-stop financial platform
.
Guidance raised as sofi projects stronger full-year growth
Thanks to its solid second-quarter performance, SoFi raised its full-year 2025 outlook:
Revenue guidance
increased to
$3.375 billion
, up from the previous range of $3.235B–$3.31B
Adjusted EBITDA
is now expected to reach
$960 million
, with margins between 28% and 29%
Earnings per share (EPS)
forecast is now
$0.31
, slightly higher than the previously guided $0.27–$0.28 range
This improved guidance suggests that SoFi expects continued momentum in the second half of the year—especially from fee-based segments like
SoFi Invest, Relay, and Banking
.
CEO Anthony Noto says the best is yet to come
During the earnings call, CEO
Anthony Noto
struck a confident tone, saying,
'Our products and services will be better in the future than they are today. This is the worst they'll ever be.'
He pointed to SoFi's
investments in AI
, fraud detection, blockchain, and crypto innovation as future growth drivers. Noto also reiterated the strength of SoFi's
technology platform
, which is rapidly becoming a critical revenue engine.
SoFi stock jumps as market sentiment shifts sharply bullish
SoFi's Q2 surprise triggered a sharp rally in its share price, climbing over 17% by mid-day trading on July 29. The surge places SoFi among the top-performing fintech stocks in 2025, now up more than 45% year-to-date.
Analysts and investors are now debating whether SoFi is entering a new era of sustainable profitability, or if the current valuation—which hovers near 50x forward earnings—will pose resistance in future quarters.
Key takeaways from SoFi's Q2 earnings breakout
Here's a quick recap of why SoFi stock is on fire:
EPS beat
: $0.08 vs. $0.06 expected
Revenue surge
: $858M vs. $804M forecast
Record loans
: $8.8B in originations
Massive member growth
: 850K net adds
Guidance raised
: Revenue, EBITDA, and EPS all upgraded
CEO outlook
: Bold claims about future growth
Stock impact
: 17% gain in a single session
Is SoFi stock still a buy after this rally?
SoFi's second-quarter results delivered everything investors hoped for—big growth, profitability, and raised guidance. It also showcased the company's ability to scale beyond lending into a full financial ecosystem with banking, investing, and tech-enabled services.
While the stock has had a huge run, SoFi's momentum, member growth, and product stickiness suggest the rally may still have legs. But with expectations now sky-high, Q3 will be crucial in proving that this breakout wasn't just a one-quarter wonder.
FAQs:
Q1: Why did SoFi stock surge 18% today?
Because SoFi crushed Q2 earnings with record loan growth, rising members, and a bold outlook from the CEO.
Q2: What did SoFi's CEO say after Q2 results?
He said,
'This is the worst we'll ever be,'
suggesting more growth is coming.
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