SoFi reaches its first billion-dollar revenue quarter in Q4 of 2025 at $1.113 billion

SoFi Technologies reported on Friday that it reached its first billion-dollar revenue quarter during Q4 2025. The report revealed that the firm’s net revenue reached approximately $1.113 billion, up about 37% from the Q4 2024.

SoFi Technologies’ business also achieved a Rule of 40 score of 68% in the fourth quarter, pushing its Adjusted EBITDA 60% YoY to $318 million. The firm’s GAAP net income for that period was $172.5 million, representing its ninth consecutive profitable quarter.

SoFi Technologies adds 1 million new members in Q4

The report revealed that SoFi Technologies onboarded a record 1 million new members in the fourth quarter. The firm’s membership increased to 13.7 million, a 35% YoY surge. The members also added a record 1.6 million new products during that period, a 37% increase from the year before, bringing the total to 20.2 million products.

Existing members also opened 40% of new products on SoFi’s one-stop shop last quarter, a 7% increase YoY. The firm stated that the growth was fueled by continued investment in brand building, with SoFi’s unaided brand awareness hitting an ATH of 9.6%.

Noto also revealed that the company moved with urgency during the last quarter to deliver crypto and blockchain innovation. He believes SoFi’s scale, innovation, and profitability have positioned the firm to compound growth and deliver significant financial returns in 2026.

SoFi Technologies reported a 59% surge in its fee-based revenue to $443 million. The firm is now generating an annual fee-based revenue of nearly $1.8 billion. The financial technology company argued that the growth was driven by the strong performance of its Loan Platform Business (LPB). 

LPB generated more than $194 million in adjusted net revenue, up about 15% from Q3. SoFi’s LPB is currently running at an annualized pace of $15 billion of originations. The business is also generating $774.6 million in high-margin, high-return revenue.

SoFi Technology’s lending business reaches record highs

Cryptopolitan previously reported that the online bank became the first nationally chartered financial institution to establish crypto trading for consumers. SoFi was also the first to launch its own stablecoin, SoFiUSD, on a public blockchain.

The firm’s loan originations also reached an all-time high of $10.5 billion in Q4 2025, up 46% YoY. SoFi stated that strong performances across its lending segments drove the surge in total originations to record highs. According to the report, personal loan originations rose 43% YoY to $7.5 billion, student loan originations increased 38% YoY to $1.9 billion, and home loan originations surged 2x YoY to over $1.1 billion.

The net revenue of SoFi’s Financial Services segment for Q4 surged by 78% YoY to $456.7 million. SoFi also grew the segment’s products by 4.8 million, a 38% increase from Q4 2024. The total number of Financial Services products in the last quarter reached 17.5 million. The firm’s noninterest income increased 2.6x YoY to $248.9 million, while its net interest income surged by 30% YoY to $207.8 million. 

SoFi stated that its management expects to increase total members by at least 30% YoY in 2026. The firm is also targeting an adjusted revenue of roughly $4.655 billion and an adjusted EBITDA of approximately $1.6 billion this year.

In Q1 of 2026, the firm’s management forecasts an adjusted net revenue of roughly $1.04 billion and an adjusted EBITDA of about $300 million. During the same period, SoFi also expects an adjusted net income of $160 million and an adjusted EPS of nearly 12 cents per share.

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