SoFi Reports Record Q4 2025 Earnings with Strong Growth Metrics
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Source: Yahoo Finance
- Significant Revenue Growth: SoFi achieved adjusted net revenue of $1.013 billion in Q4 2025, marking a 37% year-over-year increase and surpassing the billion-dollar milestone for the first time, indicating strong growth potential in the fintech sector.
- Record Membership Increase: The company added 1 million new members in Q4, bringing total membership to 13.7 million, a 35% year-over-year increase, which not only strengthens the customer base but also lays a solid foundation for future revenue growth.
- Enhanced Profitability: Adjusted EBITDA reached $318 million with a margin of 31%, reflecting a 60% year-over-year increase, demonstrating significant achievements in cost control and operational efficiency.
- Robust Lending Performance: Total loan originations in Q4 2025 amounted to $10.5 billion, a 46% increase year-over-year, showcasing strong market demand and the company's competitive advantage in the lending sector.
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Analyst Views on SOFI
Wall Street analysts forecast SOFI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SOFI is 28.31 USD with a low forecast of 18.00 USD and a high forecast of 38.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
14 Analyst Rating
5 Buy
6 Hold
3 Sell
Hold
Current: 24.360
Low
18.00
Averages
28.31
High
38.00
Current: 24.360
Low
18.00
Averages
28.31
High
38.00
About SOFI
SoFi Technologies, Inc. is a member-centric, one-stop shop for digital financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest and protect their money. The Company's segments include Lending, Technology Platform and Financial Services. The Lending segment offers personal loans, student loans, home loans and related servicing to help its members with a variety of financial needs. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding and servicing. The Technology Platform segment provides services through a diversified suite of offerings which include an event and authorization platform accessed via application programming interfaces, a cloud-native digital and core banking platform and services related to both platforms. The Financial Services segment offers a suite of financial services solutions, including SoFi Money and SoFi Invest.
About the author

Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
SoFi Technologies Reports Record Growth in Q4 2025 Earnings Call
- Significant Member Growth: SoFi added 1 million members in Q4 2025, bringing the total to 13.7 million, which is over 20 times the 650,000 members in 2018, reflecting the company's strong market appeal and brand awareness rising to nearly 10%.
- Record Financial Performance: The adjusted net revenue for 2025 reached $3.6 billion, a 38% year-over-year increase, with adjusted EBITDA of $1.1 billion marking the first time surpassing $1 billion, and net income of $481 million, showcasing a significant improvement in profitability.
- New Product Launches: SoFi introduced SoFi Pay leveraging blockchain, relaunched SoFi Crypto, and debuted SoFi USD, its own stablecoin, further expanding its product offerings and enhancing its competitive edge, particularly in the crypto and payments sectors.
- Optimistic Future Outlook: Management expects adjusted net revenue for 2026 to be approximately $4.655 billion, reflecting a 30% year-over-year growth, and plans to achieve at least 30% compounded annual revenue growth from 2025 to 2028, demonstrating strong confidence in future growth prospects.

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SoFi Reports Record Q4 2025 Earnings with Strong Growth Metrics
- Significant Revenue Growth: SoFi achieved adjusted net revenue of $1.013 billion in Q4 2025, marking a 37% year-over-year increase and surpassing the billion-dollar milestone for the first time, indicating strong growth potential in the fintech sector.
- Record Membership Increase: The company added 1 million new members in Q4, bringing total membership to 13.7 million, a 35% year-over-year increase, which not only strengthens the customer base but also lays a solid foundation for future revenue growth.
- Enhanced Profitability: Adjusted EBITDA reached $318 million with a margin of 31%, reflecting a 60% year-over-year increase, demonstrating significant achievements in cost control and operational efficiency.
- Robust Lending Performance: Total loan originations in Q4 2025 amounted to $10.5 billion, a 46% increase year-over-year, showcasing strong market demand and the company's competitive advantage in the lending sector.

Continue Reading





