SoFi stock in focus after SoFi earnings top $1 billion revenue milestone

Mo. Basuony

Published: January 30, 2026 8:07 AM ET

SoFi stock

SoFi stock drew fresh attention early Friday, Jan. 30, 2026, after SoFi earnings for the fourth quarter of 2025 cleared a symbolic hurdle: the company logged its first quarter above $1 billion in adjusted net revenue and paired it with upbeat targets for 2026. The results landed ahead of the opening bell, setting the tone for how investors will value SoFi’s mix of lending growth and faster-rising fee businesses.

As of 7:49 a.m. ET, shares traded around $24.36, down about 1.4% from the prior close (about $24.72), in premarket trading.

SoFi earnings hit a revenue milestone

The quarter’s headline was scale. Adjusted net revenue came in at about $1.01 billion, up 37% from a year earlier, alongside adjusted EPS of $0.13. Profitability measures also improved, with adjusted EBITDA around $318 million (roughly a 31% margin).

On a GAAP basis, net income was about $174 million, a figure that was affected by non-cash items even as operating performance strengthened.

SoFi stock: early market reaction

The initial tape action suggested investors were weighing two things at once: the clear operating beat versus the market’s expectations heading into 2026. For a stock that can move sharply on guidance, the focus quickly shifted from “did they deliver?” to “how repeatable is the pace?”—especially as lending growth runs alongside expanding, less rate-sensitive fee streams.

SoFi’s update also reinforced a key narrative behind recent interest in the name: management wants a larger share of revenue to come from financial services and platform-style income, not only from loan spreads.

Member growth and product cross-sell

SoFi ended the quarter with 13.7 million members, after adding about 1 million in Q4—an increase of 35% year over year. The company also reported 1.6 million new products added in the quarter, up 37%, with a sizable portion coming from existing customers adding additional services.

That “one customer, multiple products” strategy matters because it tends to lower acquisition costs over time and supports fee revenue, which is often viewed as more durable than purely spread-driven income.

Loan originations and credit focus

Lending remained a major engine. Total loan originations were $10.5 billion, up 46%, led by:

$7.5 billion in personal loans
$1.9 billion in student loans
$1.1 billion in home loans

Segment performance underscored the diversification story: financial services revenue rose 78% to about $457 million, while lending revenue increased 15% to about $486 million. SoFi also highlighted fee-based revenue of roughly $443 million, up more than 50% from the prior year period.

For investors, the next checkpoints on lending will be credit performance and funding costs—two variables that can swing sentiment quickly for a consumer-fintech lender, even in strong growth quarters.

Guidance and what’s next

For full-year 2026, SoFi projected about $4.66 billion in adjusted net revenue and about $0.60 in adjusted EPS. For Q1 2026, the company guided to about $1.04 billion in adjusted net revenue and about $0.12 in adjusted EPS.

The near-term setup now hinges on follow-through: whether member growth stays near recent levels, whether cross-sell keeps lifting fee revenue, and how loan demand holds up through early 2026.