SoFi Technologies, Inc. (SOFI) Q4 2025 Earnings Call Transcript
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.
SoFi's platform strategy was a centerpiece of fourth-quarter earnings on Friday (Jan. 30): Bring in members, persuade them to adopt multiple products, and let lending, payments and technology revenue compound.
SoFi Technologies ( NASDAQ:SOFI ) reported impressive fourth-quarter 2025 earnings this morning, significantly exceeding Wall Street estimates and raising its earnings guidance for the coming year ahead of forecasts.
SoFi Technologies Inc. (NASDAQ: SOFI) reported its highest-ever quarterly revenue and membership growth on Friday thanks to strong demand across its lending and financial services businesses. For the fourth quarter of 2025, SoFi posted revenue of $1.03 billion, surpassing analysts' estimates of $982 million.
While the top- and bottom-line numbers for SoFi Technologies (SOFI) give a sense of how the business performed in the quarter ended December 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
SoFi Technologies, Inc. (SOFI) came out with quarterly earnings of $0.13 per share, beating the Zacks Consensus Estimate of $0.12 per share. This compares to earnings of $0.05 per share a year ago.
SoFi Technologies Inc.'s (NASDAQ: SOFI) chief executive officer stated at a conference last year that the fintech company is targeting 30% member growth and 20% revenue growth.
SoFi's home-loan originations nearly doubled in the latest quarter.
I reiterate a "Hold" rating on SoFi Technologies heading into the Q4 print. The recent equity raises ($3 billion across the July and December rounds) add uncertainty on whether management funds organic growth or pursues the M&A route. I see the growth story largely intact. FY25 guidance calls for $3.54 billion adjusted net revenue (representing 36% yoy growth) and $1.035 billion adjusted EBITDA (29% margin), after a blowout Q3.
SOFI heads into Q4 earnings with strong revenue growth expectations and a solid track record of beating estimates.
SOFI's expanding platform, blockchain payments, AI tools and Galileo integration strengthen its edge over OPFI in fintech lending.