SOFI Q4 2025

Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025

Earnings

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… Read more 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, SoFi's long-term growth outlook 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.