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SoFi Technologies (SOFI) investor relations material
SoFi Technologies UBS’s 2025 Global Technology and AI Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.UBS’s 2025 Global Technology and AI Conference summary3 Dec, 2025
Business performance and growth
Raised full-year guidance for revenue, EBITDA, income, EPS, and total members, expecting to add over 3.5 million members and achieve $3.54 billion in adjusted net revenue, a 36% growth rate.
Fee-based revenue reached 40% of total, up from 25%, reflecting a shift to less risky, capital-light, high-ROE sources.
Cross-buy rates hit 40% for new products, marking the fourth consecutive quarter of increases, driven by the one-stop shop strategy and product innovation.
Financial services, interchange, and brokerage fees are up 70% year-to-date; the loan platform business grew 4x year-to-date.
Net charge-off and delinquency rates improved, with Q4 trends in line with expectations.
Product innovation and investment
Significant investment continues across the product ecosystem, especially in personal loans, student loan refinancing, and home loans, with home equity loans now a growing part of originations.
Brokerage business is now variable profit positive, prompting increased marketing investment.
New offerings include Level 1 Options, SoFi Crypto, SoFi Pay (global remittance), and an upcoming SoFi Stablecoin.
Philosophy remains to reinvest 70% of incremental revenue for long-term growth; targeting 20%-30% ROE over time.
Crypto and payments initiatives
Relaunched crypto trading, with a focus on regulatory trust and seamless integration with FDIC-insured accounts.
60% of surveyed users prefer trading with a regulated entity.
SoFi Pay leverages Layer 2 blockchain for faster, lower-cost global remittance; SoFi Stablecoin to support remittance and be marketed to banks and consumer brands.
Stablecoin will offer unique value by tying deposits to the Fed window and sharing interest with partners.
LPB expansion beyond unsecured personal loans
SoFi stablecoin's partner value proposition
M&A plans given high capital ratios
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Next SoFi Technologies earnings date
Q4 202526 Jan, 2026
Next SoFi Technologies earnings date
Q4 202526 Jan, 2026
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Frequently asked questions
Providing a wide range of digital financial services
SoFi is a financial technology company that provides a range of digital financial services, including personal loans, student loan refinancing, mortgages, investing, and banking. The company's mission is to help people achieve financial independence and reach their financial goals. Some other companies in the financial technology space include PayPal, Block (formerly Square), and Robinhood.
The three main business segments
SoFi operates through three main business segments: Lending, Investing, and Money.
The Lending segment provides personal loans, student loan refinancing, and mortgages to its customers.
The Investing segment provides investment products such as stocks, exchange-traded funds (ETFs), and cryptocurrencies.
The Money segment provides cash management and banking services.
Interesting facts about SoFi
SoFi was founded in 2011 and is headquartered in San Francisco, California. The company has a growing presence in the financial industry, with more than 3.5 million members. SoFi has also entered into partnerships with major financial institutions, including Fidelity and Coinbase, to expand its reach and capabilities. An interesting fact about SoFi is that the company recently went public through a merger with a special purpose acquisition company (SPAC), a type of investment vehicle used to take companies public without the traditional initial public offering (IPO) process.
Additionally, SoFi is one of the few fintech companies that has obtained a national bank charter, which allows it to provide banking services to its customers.
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