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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財年三季報
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年第三季度交出了強勁的業績，總營業收入達到69,710萬元，同比增長30%，同時實現凈利潤6,070萬元，而2023年第三季度則虧損26,670萬元。公司報告的攤薄後每股收益爲0.05美元，標誌着其連續第四個季度實現正凈利潤。淨利息收入同比增長25%，達到43,100萬元，儘管凈利息收益率同比下降42個點子至5.57%。公司在所有業務板塊上都表現出強勁的增長，會員基礎同比擴大35%至940萬，總產品數量同比增加31%至1,370萬。金融服務的營業收入同比翻倍，達到23,830萬元，而科技平台的營收增長14%，達到10,250萬元。放貸板塊表現強勁，發放成交量同比增長23%，達到63億。SoFi保持了強勁的財務狀況，總存款達到244億，其中在第三季度增加了24億。公司的總體資本比率爲16.3%，可用流動性容量爲102億。董事會進行了變更，兩名董事辭職，董事會成員減少至11人。
SoFi科技在2024年第三季度交出了強勁的業績，總營業收入達到69,710萬元，同比增長30%，同時實現凈利潤6,070萬元，而2023年第三季度則虧損26,670萬元。公司報告的攤薄後每股收益爲0.05美元，標誌着其連續第四個季度實現正凈利潤。淨利息收入同比增長25%，達到43,100萬元，儘管凈利息收益率同比下降42個點子至5.57%。公司在所有業務板塊上都表現出強勁的增長，會員基礎同比擴大35%至940萬，總產品數量同比增加31%至1,370萬。金融服務的營業收入同比翻倍，達到23,830萬元，而科技平台的營收增長14%，達到10,250萬元。放貸板塊表現強勁，發放成交量同比增長23%，達到63億。SoFi保持了強勁的財務狀況，總存款達到244億，其中在第三季度增加了24億。公司的總體資本比率爲16.3%，可用流動性容量爲102億。董事會進行了變更，兩名董事辭職，董事會成員減少至11人。
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