SoFi’s Q4 2025: Record $1 Billion Revenue, Member Growth, $174 Million Profit
SoFi Technologies, Inc., a leading provider of digital financial services, announced its exceptional financial results for Q4 2025. For the first time, the company reported quarterly revenue exceeding $1 billion, achieving $1.013 billion, which is a 37% increase compared to the previous year.
Record Member and Product Growth
In the fourth quarter of 2025, SoFi added a record-breaking 1 million new members. This growth led to a total of 13.7 million members, marking a year-over-year increase of 35%. Additionally, the company added 1.6 million products this quarter, up 37% from the prior year, bringing the total to 20.2 million products.
Financial Performance Highlights
SoFi achieved significant profitability metrics this quarter:
- Record adjusted EBITDA of $318 million, achieving a 31% margin.
- Quarterly fee-based revenue surging to $443 million, a 53% year-over-year increase.
- Net interest income reached $617.3 million, a 31% rise compared to the previous year.
Loan Originations and Credit Performance
Total loan originations reached a record high of $10.5 billion during Q4 2025, which represents a 46% increase year-over-year. Personal loan originations stood out at $7.5 billion, marking a 43% year-over-year increase. Strong demand also included student loans at $1.9 billion and home loans nearly doubling to over $1.1 billion.
On the credit performance front, SoFi maintained resilience with charge-offs down 57 basis points year-over-year, indicating effective risk management across its diversified portfolio.
Innovations in Financial Services
SoFi has made strides in crypto and blockchain technology, becoming the first nationally chartered bank to offer crypto trading and launch its own stablecoin, SoFiUSD. This innovation enhances its money-movement capabilities and positions SoFi favorably in the evolving financial services sector.
Outlook for 2026
Looking ahead, SoFi anticipates at least a 30% increase in its member base in 2026. The company is projecting adjusted net revenue of approximately $4.655 billion and an adjusted EBITDA margin of about 34% for the full year.
With a strong foundation for growth and innovative offerings, SoFi is well-positioned to continue its trajectory of success and deliver superior financial returns to its members.
