$SOFI My Pre-Earnings Analysis for Q3 2025

BULL's EYE! 🎯
I shared it below 👇
"SOFI will report its third quarter earnings before the market opens on Tuesday, October 28, 2025. To clarify the picture ahead of the release, I reviewed Yahoo, Seeking Alpha, Nasdaq, Zacks, Bloomberg, the X platform, and other analyst previews.

The company has gained strong momentum recently: in Q2 2025, it posted record revenue of $855 million and net income of $97 million. In the past few quarters, it has repeatedly raised its guidance. Historically, it has consistently exceeded analyst estimates last quarter it beat revenue expectations by 5.7% and EPS by a notable margin.

Analyst Consensus (EPS and Revenue)
EPS: The average estimate is $0.08 (range: $0.07–$0.09). Since the same period last year was $0.05, this implies roughly 60% year-over-year growth.
Revenue: Estimates fall between $886 million and $895 million (some sources cite $895.01 million). Last year it was $689 million, indicating annual growth around 28–30%.
Low estimate: $849 million; high estimate: $971 million.
Seeking Alpha:
EPS Normalized Estimate $0.08
EPS GAAP Estimate $0.09
Revenue Estimate $895.01 M
SoFi’s fintech growth remains strong. Membership is expanding rapidly, and fee-based revenues are broadening. In Q2, revenue per member increased more than 50%, and interchange revenue rose over 80%. Some analysts even argue that consensus forecasts are too low, projecting as high as $960 million in revenue and $0.12 EPS. In addition, rate cuts, the crypto rebound, and potential legislation such as the “One Big Beautiful Bill Act” could serve as positive catalysts for SoFi.
Immediately following this quarter, on October 29 2025, the Fed is expected to deliver another 25-basis-point rate cut and possibly end quantitative tightening (QT). This development is clearly a positive catalyst for SoFi because:
Funding costs will decline, directly easing SoFi’s lending margins.
Loan demand could rise, with refinancing, mortgage, and personal-loan segments likely to accelerate post-cut.
As liquidity conditions loosen, transaction volume through SoFi’s technology platform tends to increase.

In short, the Fed’s move would soften financial conditions and mark a turning point for SoFi’s “fintech bank” model. Therefore, in post-earnings trading, the psychological impact of the Fed’s decision could provide further support to the stock.
Over the last four quarters, SoFi has beaten EPS by more than 20% on average and revenue by more than 5%. For 2025, guidance calls for EPS of $0.32 and revenue around $3.65 billion. It has not missed EPS since 2021.
I expect a double beat in this ER!
Why?
SoFi’s beat history is very strong. My preview suggests consensus remains too low. In addition, the 25-bp Fed cut and potential end of QT create a directly positive environment by easing financial conditions. If the company once again exceeds guidance, the market reaction is likely to be positive.

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