SoFi reported fourth-quarter and full-year 2025 results on Jan. 30, 2026, saying the company delivered its first quarterly adjusted net revenue above $1 billion and reported an increase in adjusted earnings per share to $0.13 for the quarter. Management cited strong loan originations, higher fee-based revenue and record member and product growth as drivers of the results, and the company said it announced 2026 guidance and a medium-term outlook in its earnings release.
Key insights
- SoFi reported adjusted net revenue of about $1.01 billion for Q4 2025 (up 37% year-over-year).
- Adjusted and diluted earnings per share were $0.13 for the quarter; GAAP net income for Q4 was reported at roughly $173.5 million.
- Total loan originations in Q4 reached a record $10.5 billion, up 46% year-over-year.
- SoFi added a record ~1.03 million members in the quarter, bringing total members to 13.7 million, and added 1.6 million products in the quarter.
- Fee-based revenue reached a record ~$443 million in Q4 (up about 53% year-over-year).
Quarterly results and headline metrics
SoFi’s press release and financial tables show consolidated GAAP total net revenue of $1.025 billion for the three months ended Dec. 31, 2025, and adjusted net revenue of $1.013 billion, representing year-over-year growth versus the comparable period in 2024. The company reported adjusted EBITDA of roughly $317.6 million for the quarter.
The company reported GAAP net income of $173.5 million for the quarter and adjusted earnings per share of $0.13 (diluted). SoFi also reported full-year metrics in the release, including adjusted net revenue and adjusted EBITDA improvements for 2025 versus 2024.
Lending, fee-based revenue and deposits
SoFi stated total loan originations for Q4 2025 were $10.5 billion, driven by record personal loan originations of $7.5 billion, student loan originations of $1.9 billion and home-loan originations of about $1.1 billion. The company reported that fee-based revenue driven by its loan platform, interchange fees and brokerage/referral fees reached a record $443.3 million for the quarter. SoFi also reported net interest income and noted growth in deposit balances during the period.
Reuters’ coverage of the results highlighted the rapid expansion of SoFi’s financial-services revenue and the contribution of fee-based businesses to the quarter’s performance. Reuters also reported management commentary that credit performance remained in line with expectations.
Member, product and crypto developments
SoFi reported adding 1,027,000 new members in Q4 2025, bringing total members to 13.7 million, and said it added a record 1.6 million products in the quarter for a total of about 20.2 million products. The company noted cross-selling remained a contributor to product growth and that monetization per product increased year-over-year.
The company’s release also states that SoFi launched crypto trading for consumers and launched a stablecoin, SoFiUSD, in late December 2025, and that product counts for crypto reflect activity from the Dec. 22, 2025 launch through year-end. Those product counts and the company’s description of the launch appear in the company’s earnings materials.
Guidance, management commentary and regulatory context
SoFi’s press release notes that management announced 2026 guidance and a medium-term outlook; the release includes tables and references to reconciliations for non-GAAP measures. The company’s CEO, Anthony Noto, was quoted in the release characterizing 2025 and the fourth quarter as strong for the business and noting the company’s emphasis on scale, crypto and bank-grade security in its public statement.
Reuters’ reporting included additional comments attributed to CEO Anthony Noto regarding credit performance and a separate remark about potential implications of a proposed 10% cap on credit-card interest rates announced earlier in January; Reuters reported Noto’s comment that such a cap could lead to a contraction in credit-card lending. Those comments were reported by Reuters in its coverage of the earnings release.
Market reaction and trading data
Market coverage and financial news services noted investor attention around SoFi’s results and earlier capital-raising activity. Barchart and other market trackers referenced recent stock price moves and displayed intraday/closing quotes for SOFI in connection with the earnings period; Barchart listed a last reported price of $24.36 at the time of its publication and recounted prior short-term price moves tied to company announcements. Readers should consult live market data providers or brokerages for current quotes.
Background and verifiable context
SoFi Technologies, founded in 2011, operates across lending, banking and technology platform services. The company’s public earnings release and financial tables filed with its investor relations site and SEC filings contain the detailed numerical disclosures cited above. Independent news organizations reported the headline results and reported on management commentary and market reaction. Where appropriate in this article, figures and quotations have been attributed to the company’s Jan. 30, 2026 press release and to independent reporting.
Current status
As of the Jan. 30, 2026 earnings release, SoFi publicly reported record adjusted net revenue for Q4 2025, record fee-based revenue and record member and product growth, and announced 2026 guidance and a medium-term outlook in its earnings materials. Independent news outlets reported on the results and quoted company statements and commentary. For the latest trading price or further filings, consult SoFi’s investor relations page and regulatory filings.
