SoFi Technologies Inc
Q4 2025 Earnings
Market Reaction
S&P 500 over the same 30 days: −0.99%.
Did SOFI Beat Earnings? Q4 2025 Results
SoFi Technologies capped a landmark fourth quarter of 2025 with a decisive earnings beat, posting adjusted diluted EPS of $0.13 against the $0.11 consensus estimate, an 18.18% beat, while revenue of $1.03 billion cleared expectations by a wide margin and marked the company's first-ever billion-dollar quarter. The headline driver was the Financial Services segment, where net revenue soared 78% year-over-year to $456.74 million and contribution profit doubled to $230.79 million, reflecting the compounding returns of SoFi's diversified digital banking model. Member growth hit a record 1.03 million additions in the quarter alone, pushing the total base to 13.7 million, up 35% year-over-year, while loan originations reached a record $10.49 billion, up 46%. Revenue grew 1.7% year-over-year on a reported basis, though management noted the prior-year comparison was distorted by a one-time tax benefit. Looking ahead, <a href="https://247wallst.com/forecasts/2026/01/30/sofi-technologies-sofi-price-prediction-and-forecast-2025-2030/">SoFi's long-term growth outlook</a> is anchored by 2026 guidance calling for approximately $4.66 billion in adjusted net revenue and adjusted EPS of roughly $0.60, even as some analysts trimmed price targets following the print.
- Record member additions of 1.027 million in Q4, bringing total to 13.7 million
- Record product additions of 1.6 million in Q4, bringing total to 20.2 million
- Cross-buy rate reached 40% of new products opened by existing members
- Fee-based revenue surged 53% YoY to record $443 million
- Loan Platform Business generated $193.7 million in adjusted net revenue, up 2.9x YoY
- Net interest income grew 31% YoY to $617 million driven by 35% increase in average interest-earning assets
- Total deposits grew $4.6 billion in Q4 to $37.5 billion
- 50 basis point decrease in cost of funds
- Record loan originations of $10.5 billion, up 46% YoY
- Interchange fee revenue up 66% YoY with over $22 billion annualized spend
“2025 was a tremendous year and the fourth quarter was nothing short of exceptional, delivering more than $1 billion in quarterly revenue for the first time in our history.”
SoFi Technologies CEO, on the earnings call
Forward Guidance & Outlook
For full year 2026, management expects adjusted net revenue of approximately $4.655 billion (~30% annual growth), adjusted EBITDA of approximately $1.6 billion (34% margin), adjusted net income of approximately $825 million (18% margin), and adjusted EPS of approximately $0.60. Management expects total members to increase by at least 30% year-over-year. For Q1 2026, management expects adjusted net revenue of approximately $1.04 billion, adjusted EBITDA of approximately $300 million, adjusted net income of approximately $160 million, and adjusted EPS of approximately $0.12. Over the medium term (2025–2028), management expects compounded annual growth in adjusted net revenue of at least 30% and compounded annual growth in adjusted EPS of 38% to 42%. This guidance assumes no meaningful changes in the macroeconomic environment and no significant new business launches or acquisitions.
SOFI YoY Financials
SOFI Revenue by Segment
Figures from SEC filings and company reports. Not investment advice.