When Is SoFi Reporting Earnings? Here’s the Exact Date and What to Expect

SoFi Technologies Earnings Report: July 29, 2025 – Mark Your Calendar

When Is SoFi’s Earnings Coming Out? 

You're not alone if you're following fintech growth stocks or are simply interested in the schedule. A major force in digital banking and personal finance, SoFi Technologies (ticker: SOFI) reports profits that frequently spark large market movements. 

✅ What’s the Next Earnings Date? 

**SoFi's Q2 FY2025 earnings are currently expected to be released on Tuesday, July 29, 2025, prior to market opening. Numerous trustworthy platforms have validated that date: Zacks, TipRanks, Nasdaq, and additional financial calendars 

• Nasdaq specifically lists the date as 07/29/2025 before market open, covering the fiscal quarter ending June 2025. 

• Zacks Investment Research also projects July 29, 2025, and notes this timing as before market open (BMO) 

• Wall Street Horizon confirms the same timing: Tuesday, July 29, 2025 before market hours. 

 • MarketBeat and Investing.com echo July 29 or July 28 depending on early forecasts, but converge on July 29 BMO as the target. In short: mark your calendar for July 29, 2025, with results expected before markets open. 

🧾 What Should You Expect? 

1. Consensus Estimates Analysts currently forecast adjusted earnings per share (EPS) of $0.06, on net revenue of roughly $804 million for Q2 FY2025. 

2. Past Beat History SoFi has a strong recent record of beating expectations: 

• In Q1 FY2025 (reported April 29, 2025), EPS came in at $0.06, topping the consensus estimate of $0.03 by about 100% 

• Q2 FY2025 results (released July 29, 2025) excelled again, with EPS of $0.08 versus the $0.06 estimate—a 33% beat—and revenue surged 44% year over year to $858 million. 

3. Market Reaction: Volatility Ahead 

Options markets and analysts are preparing for potential movement: 

• Traders expect a swing of up to ±9.4% in SoFi’s share price following the upcoming earnings release. With recent closing prices around $21.20, this implies possible moves to ~$23.19 or ~$19.21 • Historically, SoFi’s stock moves on average 4.6% post earnings, though at times it has jumped more significantly after surprise beats. 

4. Fresh Guidance SoFi topped previous full year forecasts during its Q1 and Q2 calls. Following fast-growing Q2 results, management raised full year revenue guidance to $3.375 billion and boosted EPS guidance to $0.31. Investor attention may be on whether additional upward revisions and commentary on margins or diversification strategies emerge. 

📚 Why This Date Matters 

Timing Matters 

"Before Market Opens" (BMO) indicates that SoFi will release its results early on Tuesday morning, prior to the start of the trading session. This frequently leads in instantaneous premarket price activity. The corporation has historically maintained a consistent cadence: late January/February for Q4 reports, late April for 

Q1, late July for 

Q2, and late October for 

Q3. What Was Last Reported? 

The prior quarter’s details (Q2 FY2025, reported July 29): 

• Revenue: $858 million (up 44% YoY) vs consensus of $804 million 

• EPS: $0.08 vs expected $0.06 

• Loan originations soared—including $7 b personal loans (+66%), $1 b student loans (+35%), and $800 m home loans (+92%) 

• Record 850,000 new members in one quarter—up 34% YoY, prompting guidance toward 3 million new members in full year. 

• Business guidance was raised materially on both revenue and EPS metrics Given that track record, investors and analysts will be watching closely for further momentum and signals of sustained growth. 

🛠 What to Watch For On Earnings Day 

Here’s what to keep an eye on around the earnings release: 

📊 Financial Performance 

• Did SoFi beat—or even blow past—the $0.06 EPS consensus? 

• Was revenue in line—or ahead—of the $804 million forecast? 

• How did segment level performance look? (Especially lending vs tech services vs financial services.) 

🔍 Member & Product Growth • Did SoFi continue adding users at the same pace? 

• Any new product rollouts (e.g. crypto services, co branded cards, platform partnerships)? 

🔮 Forward Guidance 

• Will SoFi again raise full year revenue or EPS guidance? 

• Are there any notable adjustments to margin assumptions? 🗣️ Executive Commentary 

• What is CEO Anthony Noto emphasizing this quarter? 

• How optimistic is management around macro trends like interest rates, fintech regulation, consumer demand? 📅 Earnings Schedule Snapshot (Recent & Upcoming) 

Quarter     Report Date         Actual EPS           Consensus EPS                  Price Reaction `                   -----------------------------------------------------------------------------------------------------------------------                                                                                                                                                           

Q1 2025     April 29, 2025           $0.06                 ``$0.03                                Beat, ~+0.5% stock move 

Q2 2025    July 29, 2025 (BMO) $0.08                  $0.06                            Beat, stock up ~7% premarket 

Q3 2025     Oct 28 / 29, 2025       * TBD               ~$0.07                                Projection only 

Q4 2025      Jan 26–29, 2026*      TBD                  TBD                                   Projection only 

 

*Projected dates based on historical patterns and analyst estimates . 

💡 Final Thoughts 

For investors and the larger fintech community, SoFi's impending Q2 FY2025 earnings announcement on July 29, 2025, will be a significant event: 

*Although the consensus forecasts are modest ($0.06 EPS, approximately $804 million in revenue), SoFi has continuously surpassed those goals. 

*Accelerated growth, particularly in loan volume and member acquisition, has been emphasised by recent beats and increased guidance. 

*The options markets' strong performance and signals suggest that there may be significant volatility after the announcement. How to Prepare: 

• Tune in early: The report drops BMO on July 29. 

• Review the prior quarter results (April 29)—understanding strengths and past surprises helps contextualize the next report. 

• Watch for guidance: Any upward revisions or strategic commentary can shift expectations significantly. 

• Monitor the stock’s implied move: Option pricing suggests up to ±9.4% volatility—be mindful if you trade around earnings. 

TL;DR 

• Next SoFi earnings: Tuesday, July 29, 2025, before markets open. 

• Consensus EPS: $0.06, revenue ~$804M. 

• Previous quarter actuals: $0.08 EPS, $858M revenue, with strong member growth. 

• Expect volatility—options markets priced in ~9% move. 

• Look for further guidance and commentary—investors will be especially interested in management tone and forward projections. So get ready—the SoFi spotlight turns on again before the bell on July 29. Whether you're analyzing the fintech space or simply tracking growth companies, this one’s worth watching. ________________________________________ 

🚀 Stay Informed 

If you follow SoFi (SOFI), mark your calendar for July 29, 2025, and be ready early. Let me know if you'd like a breakdown of analyst ratings, valuation multiples, or a deeper dive into SoFi’s business segments.