SoFi Technologies Inc. Reports Record‑Setting Fourth‑Quarter 2025 Results

SoFi Technologies Inc. (NASDAQ: SOFI) announced its financial results for the fourth quarter of fiscal 2025 on 30 January 2026. The company achieved a number of milestones that exceeded Wall Street expectations and set a new historical benchmark for revenue, member growth, and profitability.

Revenue Growth

  • Net revenue rose 39.6 % year‑over‑year to $1.02 billion, marking the first time the company generated a $1 billion quarterly revenue.
  • The increase was driven by robust performance across both the lending and financial‑services segments, as well as higher fees and transaction volumes on the platform.

Earnings and Profitability

  • Diluted earnings per share (EPS) reached $0.13, surpassing consensus estimates.
  • Earnings‑before‑interest‑and‑taxes (EBITDA) grew 60 % from the same period a year earlier, reflecting improved margins and operational scale.
  • The company lifted its full‑year earnings guidance for 2026, indicating confidence in continued revenue and margin expansion.

Member Base and Engagement

  • SoFi added a record 1 million new members in the quarter, bringing the total member base to 13.7 million.
  • The growth in membership contributed to higher product uptake and cross‑sell opportunities across SoFi’s portfolio of loans, credit cards, investing, and banking services.

Loan Origination and Product Demand

  • Loan originations increased, driven by demand for student‑loan refinancing, auto loans, and mortgages.
  • Fee income from the platform’s digital banking and investing products also grew, supporting the company’s move toward a more diversified revenue mix.

Market Position and Outlook

  • The company’s market capitalization was reported at $32.67 billion as of 28 January 2026, with a closing stock price of $24.36.
  • Analysts noted that SoFi’s price‑earnings ratio of 47.45 reflects high growth expectations, yet the company’s recent performance supports a revision of those forecasts upward.
  • Guidance for 2026 indicates sustained revenue growth, a continued increase in member acquisition, and further margin expansion as scale improves.

Conclusion

SoFi Technologies’ first $1 billion quarterly revenue, combined with record member growth and a significant rise in EBITDA, positions the company as a leading digital‑banking and fintech platform in the United States. The earnings beat and upgraded outlook reinforce investor confidence in the firm’s growth strategy and operational execution.