SoFi Technologies Q4 Earnings Call Highlights

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MarketBeat

Fri, January 30, 2026 astatine 9:13 AM CST 9 min read

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SoFi reported grounds lawsuit expansion—adding a grounds 1 cardinal members successful Q4 to scope 13.7 cardinal and much than 20 cardinal products—and delivered its first $1 cardinal gross quarter with Q4 adjusted nett gross of $1.013 cardinal (up 37% YoY).
Profitability and a displacement to fee‑based, capital‑light businesses accelerated: Q4 adjusted EBITDA was $318 cardinal (31% margin) and SoFi posted its ninth consecutive profitable quarter, portion quarterly fee‑based gross deed a grounds $443 cardinal (up >50% YoY) driven by beardown Loan Platform Business (LPB) growth.
Management gave 2026 targets and a beardown superior position—guiding for ≥30% subordinate growth, ~ $4.655 cardinal adjusted nett revenue, ~$1.6 cardinal adjusted EBITDA and ~$825 cardinal adjusted nett income—after raising $3.2 cardinal of superior successful 2025 and ending the twelvemonth with $37.5 cardinal successful deposits and $5.4 cardinal successful cash.
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SoFi Technologies (NASDAQ:SOFI) executives highlighted grounds quarterly revenue, subordinate growth, and profitability successful the company’s fourth-quarter and full-year 2025 net call, portion outlining an outlook for continued enlargement successful 2026 and ambitious medium-term maturation targets. CEO Anthony Noto and CFO Chris Lapointe emphasized SoFi’s “one-stop-shop” strategy, rising fee-based revenue, and a strengthened superior presumption that absorption said provides important flexibility for maturation initiatives.

Noto said SoFi added a grounds 1 cardinal members successful the 4th quarter, bringing full members to 13.7 million, up 35% year-over-year. The institution besides added a grounds 1.6 cardinal products successful the quarter, lifting full products to much than 20 million, up 37% year-over-year. Cross-buy remained a cardinal focus, with absorption noting that 40% of caller products were opened by existing members, a complaint that accrued by 7 percent points implicit the past year.

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SoFi Technologies: From Fintech Speculation to Profit Engine

Financially, SoFi reported adjusted nett gross of $1.013 cardinal successful the 4th quarter, up 37% year-over-year, marking its archetypal “billion-dollar quarter,” according to Noto. For the afloat year, adjusted nett gross reached a grounds $3.6 billion, up 38% year-over-year.

Lapointe said adjusted EBITDA was $318 cardinal successful the 4th quarter, up 60% year-over-year, with an adjusted EBITDA borderline of 31%. Net income successful the 4th was $174 million, a 17% margin, and net per stock were $0.13. For the afloat twelvemonth 2025, adjusted EBITDA was $1.1 billion, up 58% year-over-year, with a 29% margin; nett income was $481 million, a 13% margin, and EPS was $0.39. Lapointe noted the 4th fourth was SoFi’s ninth consecutive profitable quarter.