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SoFi Technologies | 10-Q: Q3 2024 Earnings Report

SoFi Technologies | 10-Q: Q3 2024 Earnings Report

SoFi Technologies | 10-Q：2024财年三季报
美股SEC公告 ·  2024/11/08 11:34

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SoFi Technologies delivered strong Q3 2024 results with total net revenue reaching $697.1M, up 30% YoY, while achieving net income of $60.7M compared to a loss of $266.7M in Q3 2023. The company reported diluted EPS of $0.05, marking its fourth consecutive quarter of positive net income. Net interest income grew 25% YoY to $431.0M, though net interest margin decreased 42 bps YoY to 5.57%.The company demonstrated robust growth across all business segments, with member base expanding 35% YoY to 9.4M and total products increasing 31% YoY to 13.7M. Financial Services revenue doubled YoY to $238.3M, while Technology Platform revenue grew 14% to $102.5M. Lending segment showed strong performance with origination volume up 23% YoY to $6.3B.SoFi maintained a strong financial position with total deposits reaching $24.4B, including a $2.4B increase during Q3. The company's total capital ratio stood at 16.3% with available liquidity capacity of $10.2B. The board underwent changes with two directors stepping down, reducing the size to eleven members.
SoFi Technologies delivered strong Q3 2024 results with total net revenue reaching $697.1M, up 30% YoY, while achieving net income of $60.7M compared to a loss of $266.7M in Q3 2023. The company reported diluted EPS of $0.05, marking its fourth consecutive quarter of positive net income. Net interest income grew 25% YoY to $431.0M, though net interest margin decreased 42 bps YoY to 5.57%.The company demonstrated robust growth across all business segments, with member base expanding 35% YoY to 9.4M and total products increasing 31% YoY to 13.7M. Financial Services revenue doubled YoY to $238.3M, while Technology Platform revenue grew 14% to $102.5M. Lending segment showed strong performance with origination volume up 23% YoY to $6.3B.SoFi maintained a strong financial position with total deposits reaching $24.4B, including a $2.4B increase during Q3. The company's total capital ratio stood at 16.3% with available liquidity capacity of $10.2B. The board underwent changes with two directors stepping down, reducing the size to eleven members.
SoFi科技在2024年第三季度交出了强劲的业绩，总营业收入达到69,710万元，同比增长30%，同时实现净利润6,070万元，而2023年第三季度则亏损26,670万元。公司报告的摊薄后每股收益为0.05美元，标志着其连续第四个季度实现正净利润。净利息收入同比增长25%，达到43,100万元，尽管净利息收益率同比下降42个基点至5.57%。公司在所有业务板块上都表现出强劲的增长，会员基础同比扩大35%至940万，总产品数量同比增加31%至1,370万。金融服务的营业收入同比翻倍，达到23,830万元，而科技平台的营收增长14%，达到10,250万元。放贷板块表现强劲，发放成交量同比增长23%，达到63亿。SoFi保持了强劲的财务状况，总存款达到244亿，其中在第三季度增加了24亿。公司的总体资本比率为16.3%，可用流动性容量为102亿。董事会进行了变更，两名董事辞职，董事会成员减少至11人。
SoFi科技在2024年第三季度交出了强劲的业绩，总营业收入达到69,710万元，同比增长30%，同时实现净利润6,070万元，而2023年第三季度则亏损26,670万元。公司报告的摊薄后每股收益为0.05美元，标志着其连续第四个季度实现正净利润。净利息收入同比增长25%，达到43,100万元，尽管净利息收益率同比下降42个基点至5.57%。公司在所有业务板块上都表现出强劲的增长，会员基础同比扩大35%至940万，总产品数量同比增加31%至1,370万。金融服务的营业收入同比翻倍，达到23,830万元，而科技平台的营收增长14%，达到10,250万元。放贷板块表现强劲，发放成交量同比增长23%，达到63亿。SoFi保持了强劲的财务状况，总存款达到244亿，其中在第三季度增加了24亿。公司的总体资本比率为16.3%，可用流动性容量为102亿。董事会进行了变更，两名董事辞职，董事会成员减少至11人。
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