$SOFI Revised Projections after watching recent Noto's interviews : $SOFI is poised for another strong quarter in Q3 2025 โ balancing high growth with solid profitability as it scales into a mature fintech powerhouse.
๐ Headline Projections RULE of 72.
Adjusted Net Revenue: โ $978 M (+42% YoY)
Adjusted EBITDA: โ $293 M (30% margin)
Members: โ 12.69 M (+35% YoY; ~990 K QoQ adds)
Rule of 72 (42 + 30) = Healthy balance of growth + profitability
๐งญ BASE LINE Context :
Q3 2024 Actuals: $689 M revenue | $186 M EBITDA | 9.4 M members
Q2 2025 Actuals: 11.7 M members (+34% YoY; +850 K adds)