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Dec 31, 2025
SoFi Q4 2025 Earnings Report
SoFi delivered record adjusted revenue and strong profitability in Q4 2025.
Key Takeaways
SoFi achieved its first quarter with over $1 billion in adjusted revenue, reporting solid profitability supported by strong member growth, record fee-based revenue, and continued expansion of its financial services ecosystem.
Revenue by Segment
Forward Guidance
Management guided to continued strong growth and expanding profitability in 2026.
Positive Outlook
- Guided FY 2026 adjusted net revenue of approximately $4.655B
- Expected ~30% year-over-year member growth in FY 2026
- Forecast FY 2026 adjusted EBITDA of approximately $1.6B
- Target adjusted EBITDA margin of roughly 34%
- Guided FY 2026 adjusted EPS of approximately $0.60
Challenges Ahead
- Guidance assumes stable macroeconomic conditions
- No contribution assumed from major acquisitions or new business launches
- Technology platform accounts declined year-over-year
- Net interest margin declined due to loan mix shift
- Some lending charge-off rates increased modestly quarter-over-quarter
Historical Earnings Impact
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Avg. Return Before/After Earnings
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