SoFi Q4 2025 Earnings Surge
SoFi Q4 2025 Earnings showed record revenue and loan originations driven by member growth and may shift positioning toward growth and lending exposure.
KEY TAKEAWAYS
- SoFi reported record quarterly net revenue of $1.0 billion and strong adjusted revenue growth.
- Membership reached 13.7 million after a record 1.0 million additions, expanding cross-sell opportunities.
- Loan originations totaled $10.5 billion, and fee-based revenue annualized near $1.0 billion.
HIGH POTENTIAL TRADES SENT DIRECTLY TO YOUR INBOX
Add your email to receive our free daily newsletter. No spam, unsubscribe anytime.
SoFi Technologies (SOFI) reported a record quarter on Jan. 30, 2026, driven by strong loan demand, rising fee-based revenue, and record member and product additions. Management outlined a medium-term revenue target signaling sustained growth.
Record Quarter Results
SoFi posted GAAP net revenue of $1.025 billion in Q4 2025, up 40.0% year-over-year, and adjusted net revenue of $1.013 billion, a 37.0% increase. Full-year GAAP net revenue rose 35.0% to $3.6 billion. The company described the quarter as its strongest top-line performance to date.
GAAP net income for the quarter was $174 million, or $0.13 per diluted share, with full-year net income at $481 million, or $0.39 per share. Adjusted EBITDA rose 60.0% year-over-year to $318 million, reflecting a 31.0% margin. SoFi recorded a Rule of 40 score of 68.0% and achieved its ninth consecutive GAAP-profitable quarter.
Growth Drivers and Outlook
SoFi ended the quarter with 13.7 million members, a 35.0% increase year-over-year, after adding a record 1.0 million members. Its product count reached 20.2 million, up 37.0% following a record 1.6 million product additions. This growth expanded cross-sell opportunities and supported fee-based revenue gains.
Loan originations totaled $10.5 billion, up 46.0% year-over-year, including $7.5 billion in personal loans, a 43.0% increase. The rise reflected stronger consumer demand across SoFi’s lending channels. Fee-based revenue set a quarterly record, rising 50.0% year-over-year and annualizing near $1.0 billion, contributing significantly to profitability and margin expansion.
SoFi’s Loan Platform business reported adjusted net revenue of $1.8 billion, up 15.0% sequentially and nearly threefold year-over-year, driven by growth in partner volume and platform monetization. Deposits grew during the quarter, and shareholders’ equity increased by $1.7 billion, supporting balance-sheet expansion.
Credit quality remained stable. Personal-loan charge-offs declined by 57 basis points year-over-year, while 90-day delinquency rates for personal and student loans held steady.
Management set a medium-term target for compounded annual growth in adjusted net revenue of 20.0% to 25.0%. It anticipates GAAP earnings per share of about $0.60 for 2026, compared with a Wall Street estimate near $0.58.
