Sofi Stock: On Wednesday, June 4, 2025, SoFi Technologies showcased its strong financial performance and long-term growth strategy at the 45th Annual William Blair Growth Stock Conference.
The company emphasized its transformation into a diversified digital financial platform, underscoring solid member growth, increased fee-based income, and ambitious revenue projections.
CFO Chris Lapointe revealed that SoFi expects to surpass $3 billion in adjusted net revenue in 2025—tripling its 2021 performance—alongside a projected EBITDA of up to $895 million. These numbers reflect the company’s confidence in maintaining over 25% annualized revenue growth through 2026.
SoFi now serves nearly 11 million members and has over 15 million product offerings, having added 800,000 new members and 1.2 million products in the last quarter alone.
Fee-based income continues to play a critical role in the company’s financial model, now comprising 41% of total revenue in Q1 2025—up from 26% in 2021. SoFi’s financial services division, which includes SoFi Money, SoFi Invest, and the company’s Loan Platform Business, has significantly scaled, generating approximately $1.2 billion in annualized fee revenue and reaching $27 billion in deposits—90% of which are from direct deposit customers and 97% FDIC-insured.
The Loan Platform Business also showed impressive momentum, originating $1.6 billion in Q1 2025 and generating nearly $100 million in revenue.
The company sold and transferred $3.1 billion in loans during the same period without expanding its balance sheet, aligning with its strategic goal to scale operations while remaining capital efficient.
With the recent resumption of federal student loan repayments, SoFi sees renewed opportunity in student loan refinancing—an area expected to add to its growth in the second half of the year.
SoFi’s leadership presented a compelling vision for the future, anchored by its vertically integrated, member-centric digital banking platform.
The firm is also leveraging products like SoFi Relay and SoFi Plus to boost cross-buying, enhance customer lifetime value, and reinforce its financial services productivity loop. SoFi Plus, now available via a $10 monthly subscription, is already showing strong adoption and cross-product engagement among members.
SoFi Technologies’ presentation at the William Blair Conference reflected not only its resilience amid economic headwinds like rising interest rates and past student loan moratoriums, but also its innovation-driven roadmap for sustained growth.
With record-breaking member acquisition, diversified revenue streams, and rising profitability, SoFi continues to solidify its position as a dominant force in the evolving U.S. consumer finance sector.