SoFi Stock Surges 130% as Fintech Giant Posts Record Q3 Earnings

SoFi Technologies delivered a standout performance in Q3 2025, with revenue climbing 38% year-over-year to $950 million and Adjusted EBITDA reaching a record $277 million. The fintech firm now serves 12.6 million members with over 18.5 million products, signaling its successful pivot from student loan refinancing to a diversified financial services platform.

Loan originations hit an all-time high of $9.9 billion while personal loan charge-offs decreased by 23 basis points, demonstrating improved credit quality. The stock's 130% six-month rally reflects investor Optimism about SoFi's maturation into a mainstream financial institution.

Stone Fox Capital, a top-tier investor ranked in TipRanks' top 3%, argues this growth phase is merely the beginning. 'SOFI remains in early growth stages with potential to become a top 10 U.S. financial institution,' the analyst noted, highlighting the company's strategic shift toward sustainable profitability.