SoFi Technologies (SOFI) reported robust third-quarter 2025 results, achieving a record $277 million in adjusted EBITDA, a 29% margin, and total loan originations of $9.9 billion, up 57% year over year. The company raised $1.7 billion in new capital, strengthening its balance sheet and increasing total deposits to $32.9 billion. SoFi anticipates adding approximately 3.5 million members, projecting adjusted net revenue at $3.54 billion, marking a 36% year-over-year growth.
Nu Holdings (NU) expanded its customer base to 127 million, adding more than 4 million new users in Q3 2025, while generating $4.2 billion in revenues—up 39% year-over-year in currency-neutral terms. The company’s focus on high-engagement financial products has sustained an activity rate above 83%, positioning it for consistent performance even amid volatile conditions. NU’s EPS is forecasted to grow by 31%, indicating a strong future growth profile.
Both companies carry a Zacks Rank #2 (Buy), but SoFi stands out with its accelerated profitability, diversified services, and improved financial metrics, making it a compelling buy in the fintech sector.
