Sophie provides profitable Q-first and increases prospects for the whole year News ad

Sofi Technologies Nasdak: Sophie More and more strengthens his status of a transforming player in the financial services industry, using innovative decisions for the digital first to challenge obsolete banking institutions. In the first quarter, the company surpassed Wall Street expectations and became a key milestone, reaching sustainable profitability, which is an important component of its long-term strategic roadmap. This milestone reflects the successful implementation of its diversified business model, which covers lending, the financial services sector and segments of the technological platform.

In addition, the Sofi revision throughout the annual leadership signals the trust of the company’s impulse and operating discipline. These results gave the mood of investors and strengthened the potential of Sofi as a high -quality proprietary company that can scale profitability in a competitive landscape.

Sophie reaches record income and the growth of participants in the first quarter of 2025

Sophie survived significant growth in the first quarter of 2025, reaching noticeable results of the upper and lower line. GAAP pure revenue increased by 20% compared to last year to 771.8 million dollars. USA, and adjusted pure revenue increased even more, 33%, to $ 770.7 million. USA compared to the same period of 2024.

The company continued its profitable trajectory, reporting the GAAP net profit in the amount of $ 71.1 million. The USA, which is transferred to diluted profit per share (EPS) in the amount of 0.06 US dollars. The adjusted EBITDA, an indicator of operating profitability, reached a record maximum of $ 210.3 million. The United States, which amounted to 46% of the increase compared to the same period last year and will lead to the adjusted EBITDA margin in 27%.

A significant factor in this result was an accelerated expansion of income based on a board, which reached a record 315.4 million dollars. USA, which is 67% more than in the previous year. The financial services segment showed a special force, more than doubleting net income compared to last year up to 303.1 million dollars. USA.

This growth was primarily due to Strong rates for the implementation of cash accounts SOFI and expanding a business on a credit platform.

Sophie received a fast growth rate of members and product. The company added a record 800,000 new members during the quarter, as a result of which the total base of participants reached more than 10.9 million, which is 34% more than in the previous year. The introduction of the product followed a similar trend, and it was registered by 1.2 million new products, which increased the total number of products to 15.9 million, which is 35% in annual calculus growth.

The origin of loans also reached a record 7.2 billion dollars. The United States, which is 66%more than compared to last year, with personal loans ($ 5.5 billion, an increase of 69%), student loans ($ 1.2 billion, rose by 59%) and home loans ($ 518 million, by 54%)-all of them show high demand. In addition, credit quality indicators have improved, as annual exit rates at the expense of personal and student loans decreased compared to the previous quarter, and the 90-day-day crime rate of personal loans decreased during the fourth quarter in a row.

Sofi management raises a bar

After the firm first quarter, the Sofi leadership revised financial prospects throughout the year in 2025 up. Currently, the company expects adjusted net income in the range of $ 3.235 billion. USA to 3.310 billion dollars. The United States, which increased compared to the previous 3.200 billion dollars. USA to 3.275 billion dollars. USA, which is annual growth of 24% to 27%.

According to forecasts, adjusted EBITDA will be 875 million to $ 895 million. The United States, compared with an earlier 845 million to 865 million dollars. The United States, simultaneously supporting the forecast of healthy gradual profits. GAAP pure income was increased to $ 320 million. USA to 330 million dollars. The USA, compared with the previous 285 to 305 million dollars. USA.

As a result, the EPS GAAP forecast throughout the year was increased to 0.27 to 0.28 dollars per share, from 0.25 to 0.27 US dollars. The management also expects that the tangible increase in the balance cost will be approximately 585 to 600 million dollars per year. Looking forward until the second quarter of 2025, Sofi predicts the adjusted pure revenue of $ 785 million to $ 805 million. They adjusted the EBITDA in the amount of $ 200 million to $ 210 million, with the GAAP of 60 to 70 million dollars, or from 0.05 to 0.06 dollars per share per share.

Strategic winnings, feeding the growth of Sophie

The financial indicators of Sofi in early 2025 are significantly due to the growth of the business platform. This segment, which produces loans for external partners, has provided new obligations of more than $ 8 billion during the first few months of the year as a result of significant agreements with companies such as Blue OWL Capital NYSE: OwlFortress Investment Group and Edge Focus.

It is noteworthy that only the platform has earned loans of $ 1.6 billion. The United States only in the first quarter for these partners, which made a significant contribution to record incomes. Successful securitization of 697.6 million dollars. The United States in February, supported by these assets with the credit platform, emphasized the strong share of the capital market in relation to loans in Sofi and provided capital for constant expansion.

In addition to its credit activity, Sofi continued to develop its financial ecosystem. He expanded his alternative investment options for accredited investors due to cooperation with TEMPLUM, introducing access to the fund focused on artificial intelligence (AI) Anpropic.

The company also launched the payment level of subscription for its membership in Sofi Plus and the representative of SmartStart, a flexible refinancing product of a student loan with the initial phase of payments designed to facilitate financial transitions of borrowers. Sofi also increased the visibility of his brand thanks to outstanding partnerships, including the sponsorship of the NBA Play-in tournament and become a partner for CMA Fest.

A stronger case for Sophie?

The performance of Sofi Technologies’ Q1 2025 and an increase throughout the year strengthen a positive forecast of investment. Achieving GAAP, along with record income, EBITDA, growth of participants and loans, demonstrates the effective implementation of the strategy. Swift growth and validation of business platforms with a loan for capital in combination with the expansion of financial services, offer a more diverse and potentially stable business.

Sofi should now consistently correspond to or exceed these increased expectations and demonstrate its ability to adapt to a changing economic environment, while reaching its long -term growth goals.

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