SoFi Technologies reported fourth‑quarter 2025 revenue of $1.013 billion, a 37% year‑over‑year increase that marked the company’s first time surpassing the $1 billion threshold. The lift was driven by a 35% rise in new members and a 40% cross‑buy rate across lending, financial services and technology platform segments, reflecting the effectiveness of the company’s one‑stop‑shop strategy.
Net income rose to $174 million, giving earnings per share of $0.13, a beat of $0.01 or 8.3% over the consensus estimate of $0.12. The earnings beat was largely the result of disciplined cost management and a favorable mix shift toward higher‑margin fee‑based businesses, which offset the impact of a modest increase in operating expenses.
The company added a record 1 million new members in the quarter, bringing the total to 13.7 million. The 40% cross‑buy rate—higher than the 30% average for the industry—demonstrates strong product adoption across SoFi’s lending, financial services and technology platform offerings. The growth in fee‑based revenue contributed to an adjusted EBITDA margin of 31%, exceeding the company’s long‑term target of 30% and underscoring the profitability of its capital‑light model.
Management highlighted the shift toward fee‑based revenue streams as a key driver of the quarter’s performance. CEO Anthony Noto said, “2025 was a tremendous year and the fourth quarter was nothing short of exceptional, delivering more than $1 billion in quarterly revenue for the first time in our history.” CFO Chris Lapointe added, “We expect to deliver compounded annual adjusted net revenue growth of at least 30% from 2025 to 2028,” signaling confidence in sustained expansion.
Looking ahead, SoFi guided for 2026 adjusted net revenue of $4.655 billion, adjusted EBITDA of $1.6 billion and adjusted EPS of $0.60, with a target of 30% member growth. The guidance reflects management’s belief that the company’s diversified, fee‑based model will continue to drive top‑line growth while maintaining healthy margins. Investors responded positively to the results, citing the strong earnings beat, record revenue, and optimistic outlook as evidence of robust execution and a promising trajectory.
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