"SoFi Technologies (Nasdaq: SOFI) crossed the $1 billion quarterly revenue threshold for the first time in company history, delivering Q4 2025 results that beat estimates across the board while adding a record 1 million new members. The fintech platform reported revenue of $1.01 billion versus the $982 million consensus, alongside GAAP EPS of $0.13 that surpassed the $0.12 estimate by 8%."
"SoFi added 1 million members in Q4 alone, the first time the company achieved seven-figure quarterly member growth, bringing total members to 13.7 million (up 35% YoY). The platform now supports 20 million product relationships after adding a record 1.6 million products in the quarter, pushing the cross-buy rate to 40%. Financial Services revenue surged 78% YoY to $457 million with 51% contribution margins, while the Lending segment generated $486 million (up 15%) on record $10.5 billion in total originations."
SoFi reported Q4 2025 revenue of $1.01 billion and GAAP EPS of $0.13, both beating consensus. The company added a record 1 million members in the quarter, bringing total members to 13.7 million and supporting 20 million product relationships with a 40% cross-buy rate. Financial Services revenue grew 78% year-over-year to $457 million with 51% contribution margins. Lending produced $486 million in revenue on a record $10.5 billion in originations, while personal loan charge-off rates improved to a 2.80% annualized rate and average FICO stood at 746. The loan platform transferred $3.7 billion in Q4, reaching a $775 million annualized run rate. Reported margins expanded to 31% EBITDA and 17% net income, while a $1.5 billion December capital raise and mixed analyst ratings coincided with a mid-day share decline.
Read at 24/7 Wall St.
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