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SoFi Technologies
SoFi Technologies (SOFI) investor relations material
SoFi Technologies Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Achieved record financial performance in 2025, with adjusted net revenue of $3.6 billion, up 38% year-over-year, and adjusted EBITDA of $1.1 billion, up 58% year-over-year at a 29% margin.
Q4 2025 adjusted net revenue reached $1.013 billion, up 37% year-over-year, with adjusted EBITDA of $318 million (31% margin) and net income of $174 million (17% margin).
Member base grew 35% year-over-year to 13.7 million, with 1 million new members and 1.6 million new products added in Q4.
Launched innovative crypto and blockchain products, including a stablecoin and international remittances, and introduced the SoFi Smart Card.
Brand awareness and cross-buy rates reached all-time highs, supporting robust member and product growth.
Financial highlights
Fee-based revenue reached a quarterly record of $443 million, up 53% year-over-year, with annualized fee-based revenue at $1.8 billion.
Tangible book value ended 2025 at $8.9 billion, up $4 billion year-over-year, or $2.54 per share.
Rule of 40 score reached 68% in Q4, highlighting strong growth and profitability.
Net interest income for the quarter was $617.3 million, up 31% year-over-year.
Book value per share increased to $8.26, and tangible book value per share rose to $7.01.
Outlook and guidance
2026 guidance: adjusted net revenue of $4.655 billion (30% growth), adjusted EBITDA of $1.6 billion (34% margin), adjusted net income of $825 million (18% margin), and adjusted EPS of $0.60.
Q1 2026 guidance: adjusted net revenue of $1.04 billion (35% growth), adjusted EBITDA of $300 million (29% margin), and adjusted EPS of $0.12.
Expect compounded annual adjusted net revenue growth of at least 30% and EPS growth of 38%-42% from 2025 to 2028.
Segment guidance for 2026: financial services revenue growth of 40%+, lending revenue growth of 23%, and tech platform revenue growth of 20% (normalized for client transition).
Medium-term guidance calls for at least 30% compounded annual growth in adjusted net revenue and 38–42% CAGR in adjusted EPS from 2025 to 2028.
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Next SoFi Technologies earnings date
Q1 202628 Apr, 2026
SoFi Technologies
Next SoFi Technologies earnings date
Q1 202628 Apr, 2026
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Frequently asked questions
Providing a wide range of digital financial services
SoFi is a financial technology company that provides a range of digital financial services, including personal loans, student loan refinancing, mortgages, investing, and banking. The company's mission is to help people achieve financial independence and reach their financial goals. Some other companies in the financial technology space include PayPal, Block (formerly Square), and Robinhood.
The three main business segments
SoFi operates through three main business segments: Lending, Investing, and Money.
The Lending segment provides personal loans, student loan refinancing, and mortgages to its customers.
The Investing segment provides investment products such as stocks, exchange-traded funds (ETFs), and cryptocurrencies.
The Money segment provides cash management and banking services.
Interesting facts about SoFi
SoFi was founded in 2011 and is headquartered in San Francisco, California. The company has a growing presence in the financial industry, with more than 3.5 million members. SoFi has also entered into partnerships with major financial institutions, including Fidelity and Coinbase, to expand its reach and capabilities. An interesting fact about SoFi is that the company recently went public through a merger with a special purpose acquisition company (SPAC), a type of investment vehicle used to take companies public without the traditional initial public offering (IPO) process.
Additionally, SoFi is one of the few fintech companies that has obtained a national bank charter, which allows it to provide banking services to its customers.
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