SoFi Technologies Inc (SOFI) FY2025Q2 Earning Prediction

07/29 04:00:00

Pre-Market

SoFi Technologies Inc (SOFI) is set to release its FY2025Q2 earnings performance on 07/29 04:00:00 in Pre-Market trading. Consensus forecasts predict a revenue of 804.36M and an earnings per share (EPS) of 0.06 for the FY2025Q2. With Intellectia's exclusive AI algorithms, users can predict whether the earnings will beat or miss expectations before the report drops. Leverage this powerful tool to strategize and position your trades ahead of the earnings release!

Estimate

Actual

Surprise

RevenueBEAT

804.36M

858.23M

+6.70%

EPSBEAT

0.06

0.08

+33.33%

AI Summary

Report

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AI Earnings Prediction

Prediction for FY2025Q2

Earnings Date: Jul 29, 2025

The earnings forecast anticipates a 'Beat' due to strong revenue growth catalysts, loan origination strength, and deposit growth momentum.

Beat

Last 0 quarters:

5 beats0 misses

Scenario Analysis

The AI analyzes the probability of each scenario occurring and identifies the triggering conditions.

Scenario

Prob.

Stock Reaction

Trigger Condition

Strong Beat

15%

+10-15%

Revenue >$810M, EBITDA margin >30%, +20% QoQ deposit growth

Beat

50%

+3-7%

Revenue $805-810M, maintained deposit growth trajectory

Neutral

20%

Flat

In-line results fail to justify valuation multiple

Miss

10%

-8-12%

Loan originations <$4B, margin compression

Strong Miss

-15%+

Revenue <$800M, guidance cut on student loan uncertainty

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Key Indicators Forecast

The AI provides itemized forecasts for key indicators, potentially including revenue, EPS, gross margin, and free cash flow.

Revenue

EPS

Currency:

No data

Actual

Estimate

Metric

Prediction

Justification

Revenue

Beat

Paychex partnership + crypto/student loan tailwinds drive upside vs muted 0.56% consensus revision

EPS

Beat

Higher fee revenue mix (Financial Services) and operating leverage from deposit growth support margins

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Prediction Logic & Rational

Fact Data Analysis:

Revenue Growth Catalysts:

Strategic Partnerships: Paychex collaboration expands access to personal/student loan products through 8.7M Paychex customers. Benzinga integration enhances platform stickiness, likely driving user growth.
Crypto/Student Loan Upside: Keefe Bruyette highlights 3%-5% revenue upside from crypto trading and expanded student lending via Trump's legislative bill. Consensus revenue revisions (+ 0.56%) appear conservative relative to these catalysts.

Loan Originations Strength:

Paychex partnership directly targets SMB employees for loan products. Capitalize 401(k) rollover integration (SoFi IRAs) implies cross-selling opportunities for debt consolidation loans.

Deposit Growth Momentum:

Expanded IRA rollover capabilities (Capitalize API) likely accelerated member deposit growth, critical for low-cost funding of loan originations.

Margin Resilience:

Fee-based revenue mix (Financial Services) improves contribution margins. Stephens notes this as a key driver for multiple expansion.

Counterarguments:

High expectations (65% stock outperformance vs S&P 500) raise the bar.
Truist/Citizens JMP warn about valuation risks post-rally.

Prediction Logic & Rational

Tactical Strategy Recommendations

Bullish Play:

Buy August $22 calls (IV crush post-earnings risk mitigated by high short interest at 8.7% of float).
Pair with short-dated puts as volatility hedge given 65% YTD rally.

Neutral Play:

Straddle: Long $21 straddle (IV ~65%) to capture potential 10%+ move.

Bearish Hedge:

Sell September $25 covered calls against long stock position to monetize rich premiums.

Key Watch: Management commentary on crypto adoption rates and student loan volume sustainability post-legislation.

Tactical Strategy Recommendations

Earnings Surprise Analysis

The chart displays the extent of earnings surprises and corresponding stock price movements for each earnings event.

Revenue

EPS

SOFI Transcript

SoFi Technologies, Inc. (SOFI) Presents at UBS Global Technology and AI Conference 2025 Transcript

Neutral12-3

SoFi Technologies, Inc. (SOFI) Presents at KBW Fintech Payments Conference 2025 Transcript

Neutral11-11

SoFi Technologies, Inc. (SOFI) Q3 2025 Earnings Call Transcript

Positive10-28

The earnings call highlights record high personal and home loan originations, strong net interest income, and a significant increase in deposits. Positive developments in student loan refinancing and membership growth, along with strategic focus on AI and blockchain, further bolster optimism. Despite some vague responses in the Q&A, the overall sentiment remains positive due to strong financial performance and optimistic guidance, suggesting a likely stock price increase of 2% to 8% over the next two weeks.

SoFi Technologies, Inc. (SOFI) Presents At Goldman Sachs Communacopia + Technology Conference 2025 Transcript

Neutral9-8

SOFI Report

SoFi Technologies, Inc. 10-K

10-K

2025-02-24

SoFi Technologies, Inc. 10-Q

10-Q

2024-08-06

SoFi Technologies, Inc. 10-Q

10-Q

2024-05-07

SoFi Technologies, Inc. 10-K

10-K

2024-02-27

Frequently Asked Questions

What is the SoFi Technologies Inc FY2025Q2 Earnings Release Date and Time?

SoFi Technologies Inc (SOFI) is scheduled to release its FY2025Q2 earnings report onJul 29, 2025, Pre-Market(approximately 4:00 PM ET). This timing allows investors to react during after-hours trading, with a conference call typically following shortly after.

What Are the Consensus Forecasts for SoFi Technologies Inc FY2025Q2 Revenue and EPS?

Analysts' consensus predicts 804.36M in revenue and an EPS of 0.06 for SoFi Technologies Inc's FY2025Q2.

What Does Intellectia's AI Predict for SoFi Technologies Inc FY2025Q2 Earnings?

Intellectia's exclusive AI algorithms forecast a Beat forSoFi Technologies Inc's FY2025Q2 earnings, with a prediction date of Jul 29, 2025. SoFi Technologies Inc The earnings forecast anticipates a 'Beat' due to strong revenue growth catalysts, loan origination strength, and deposit growth momentum.

How Can I Use This Earnings Prediction to Trade SOFI Stock?

Leverage Intellectia's AI forecast to position trades ahead of theJul 29, 2025 release—consider calls for a beat scenario or protective puts for misses. Focus on pre-market volatility, and use the scenario probabilities to build strategies around revenue and guidance updates.

How Accurate Is Intellectia's AI for Earnings Predictions Like SoFi Technologies Inc FY2025Q2?

Intellectia's predictions are backed by rigorous backtesting, showing a high hit rate for Beat and Miss calls compared to traditional analysis. While no forecast is 100% certain, we provide probability-based scenarios (e.g., 50% chance of a *Beat*) and detailed rationales to help you make informed decisions. Combine our insights with your strategy for the best results—it's like having a co-pilot for earnings season! Empowering users to strategize trades before reports drop.

How does AI Earnings Prediction generate its forecasts?

AI Earnings Prediction uses advanced Large Language Models (LLMs) to analyze a wealth of data, including past earnings transcripts, real-time market sentiment, analyst insights, and company news from the last three months. It focuses on key indicators like revenue, EPS, and margins to predict whether a company will *Beat*, *Miss*, or remain Neutral relative to market expectations. Think of it as a super-smart analyst crunching numbers and news 24/7 to give you a trading edge!

When are the predictions available, and how often are they updated?

Predictions are generated two days before a company’s earnings release (e.g., 5:00 PM ET on Feb 13 for a Feb 15 report) to capture the latest market and company data. They’re updated in real-time if significant news breaks, ensuring you get fresh insights.

Can I use AI Earnings Prediction for all types of stocks?

Currently, AI Earnings Prediction focuses on companies with market caps above $40 billion, covering major players like SPG, AAPL, MSFT, and NVDA for the 2024-2025 earnings seasons. We prioritize high-impact stocks with robust data to ensure reliable forecasts. Stay tuned as we expand coverage to more companies based on user demand!