"The company notched its first-ever billion-dollar quarter , achieving adjusted net revenue of $1.013 billion, up 37% year-over-year. Net income reached $174 million, with earnings of $0.13 per share, reflecting a 160% increase from the prior year. SoFi also added a record 1 million new members, bringing the total to 13.7 million, a 35% rise. It also raised 2026 guidance, projecting adjusted net revenue of approximately $4.655 billion, above analyst estimates of $4.592 billion, and adjusted EBITDA of $1.6 billion, well ahead of the consensus outlook."
"SoFi's fourth-quarter results showcased robust expansion in key metrics: Adjusted EBITDA climbed 60% year-over-year to $318 million, achieving a 31% margin. Fee-based revenue surged 53% to a record $443 million, driven by strength in the loan platform business. Product additions hit a record 1.6 million, lifting the total to 20.2 million, up 37% from the previous year. Added a record 1 million new members."
SoFi achieved adjusted net revenue of $1.013 billion in Q4 2025, a 37% year-over-year increase, and reported net income of $174 million with earnings of $0.13 per share. Adjusted EBITDA rose 60% to $318 million, representing a 31% margin, while fee-based revenue climbed 53% to $443 million. Product additions reached 1.6 million, taking the total to 20.2 million, and membership grew by 1 million to 13.7 million. Full-year adjusted net revenue was $3.6 billion, up 38%. The company raised 2026 guidance to about $4.655 billion in net revenue and $1.6 billion in adjusted EBITDA.
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