SoFi Technologies beats Q4 adjusted revenue expectations

SoFi Technologies

30/01/2026 12:08

Overview

Digital financial services firm's Q4 adjusted net revenue beat analyst expectations

Company reported record Q4 adjusted EBITDA, up 60% yr/yr

Company added record 1 mln new members and 1.6 mln new products in Q4

Outlook

SoFi expects 2026 adjusted net revenue of approximately $4.655 bln

Company anticipates 2026 adjusted EBITDA of approximately $1.6 bln

SoFi projects 2026 adjusted EPS of approximately 60 cents per share

Result Drivers

MEMBER AND PRODUCT GROWTH - SoFi added a record 1 million new members and 1.6 million new products in Q4, reflecting a 35% and 37% increase year-over-year, respectively

FEE-BASED REVENUE - Record fee-based revenue of $443 million, up 53% year-over-year, driven by strong performance from the Loan Platform Business

CRYPTO AND BLOCKCHAIN INNOVATION - SoFi launched crypto trading and its own stablecoin, SoFiUSD, becoming the first nationally chartered bank to offer these services

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Revenue
$1.03 bln
Q4 Adjusted Revenue
Beat
$1.01 bln
$985.20 mln (16 Analysts)
Q4 EPS
$0.13
Q4 Net Income
$173.55 mln


Press Release: ID:nBw2yNgy2a

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)