NASDAQ$SOFI
SoFi Technologies Inc · Q4 2025 earnings
Q4 2025 earnings · · Before market open · Investor relations
Briefing
SoFi reported Q4 2025 record net revenue of $1.0B and net income of $174M.
Fourth-quarter GAAP net revenue of $1.03 billion increased 40% year over year; adjusted net revenue was $1.01 billion (+37%). Net income was $174 million; adjusted EBITDA reached a record $318 million (+60%). The company added a record 1 million members in the quarter and fee-based revenue hit a record $443 million.
- Q4 net revenue $1.03B (+40% YoY); adj. EBITDA $318M.
- Record 1M new members; 13.7M total members (+35% YoY).
- Fee-based revenue $443M (+53% YoY).
- Loan Platform Business adjusted net revenue $194M.
Headline financials
Revenue & EPS history
SoFi · Revenue · Quarterly
$1.03B
Revenue by segment
SoFi · $557M total across 3 segments · Q3 2023
- Lending$349M+15.7%62.6%
- Financial Services$118M+141.6%21.2%
- Technology Platform$89.9M+6.1%16.1%
Forward guidance
Management discusses SoFi Technologies's outlook, including capital deployment, operating priorities, and key risks, alongside any formal guidance in the earnings materials.
Tailwinds
- SoFi Technologies cites execution on strategic priorities and demand in core markets.
- Liquidity and balance sheet capacity support continued investment and returns.
Headwinds
- Macro, rates, and input costs may pressure margins or volumes.
- Segment mix and non-recurring items can affect sequential comparability.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2025
+0.3%
Avg return
Earnings day
-2.3%
Avg return
5 days after
-4.2%
Avg return
30 days after
54%
13 / 24 earnings
Positive
+29.4%
Q2 2022
Best reaction
-21.3%
Q1 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -1.4% | -11.8% | -0.7% | |
| Q4 2025 | -2.1% | -14.8% | -27.1% | |
| Q3 2025 | +3.7% | -1.1% | -5.0% | |
| Q1 2025 | +0.5% | -3.8% | -0.2% | |
| Q4 2024 | -10.3% | -11.9% | -19.3% | |
| Q3 2024 | +0.3% | -1.3% | +44.1% | |
| Q2 2024 | +2.9% | -9.3% | +9.5% | |
| Q1 2024 | -13.9% | -11.6% | -13.0% | |
| Q4 2023 | +10.2% | +3.4% | +16.3% | |
| Q3 2023 | +9.9% | +16.6% | +7.0% | |
| Q2 2023 | +8.4% | -0.5% | -8.5% | |
| Q1 2023 | -21.3% | -17.2% | +11.4% | |
| Q4 2022 | +16.7% | +25.6% | +8.4% | |
| Q3 2022 | -5.9% | -4.8% | -12.9% | |
| Q2 2022 | +29.4% | +25.2% | -8.0% | |
| Q1 2022 | -8.0% | +13.1% | +2.3% | |
| Q4 2021 | +1.1% | -12.7% | -17.5% | |
| Q4 2019 | +1.1% | -12.7% | -17.5% | |
| Q3 2020 | -4.8% | -10.5% | -33.4% | |
| Q3 2021 | +3.7% | +3.5% | -32.2% | |
| Q2 2020 | -8.3% | -6.3% | +3.1% | |
| Q2 2021 | -11.3% | -18.6% | -9.5% | |
| Q1 2021 | +7.5% | +7.3% | +14.0% | |
| Q4 2020 | -1.7% | -1.0% | -11.5% | |
| Q1 2020 | — | — | — |
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