SoFi Technologies Inc. (NASDAQ: SOFI) has announced a record-breaking Q4 2025, driven by strong growth across its business segments and boosted by its strategic re-entry into the cryptocurrency market. The digital financial services company posted a revenue of $1.03 billion for the quarter, a 38.7% increase compared to the same period last year, surpassing analyst expectations. This marks the first time SoFi has generated over $1 billion in revenue in a single quarter.
SoFi's CEO, Anthony Noto, attributed the exceptional performance to the company's successful strategy of integrating growth with substantial returns. The company's focus on innovation in cryptocurrency and blockchain technology has positioned it favorably for sustained growth and profitability.
A key driver of SoFi's success was a significant increase in membership. In Q4 2025, SoFi added a record one million new members, bringing its total membership to 13.7 million, a 35% year-over-year increase. This expansion strengthens SoFi's customer base and lays a solid foundation for future revenue growth. The company's total products also saw a substantial increase of 37% year-over-year, reaching over 20 million.
In addition to its impressive revenue and membership growth, SoFi demonstrated enhanced profitability. The company's adjusted EBITDA reached $318 million with a margin of 31%, reflecting a 60% year-over-year increase. SoFi reported a net income of $174 million, with a margin of 17% and an adjusted EPS of $0.13, exceeding consensus estimates by 16.1%.
SoFi's strong performance in Q4 2025 was also driven by robust lending performance. Total loan originations 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. The lending segment generated adjusted net revenue of $486 million, up 15% from the same period last year.
The company's strategic investments in new technologies, particularly its re-entry into crypto trading, have played a crucial role in its recent success. SoFi relaunched SoFi Crypto and debuted SoFi USD, its own stablecoin, further expanding its product offerings and enhancing its competitive edge in the crypto and payments sectors. Moreover, SoFi introduced SoFi Pay leveraging blockchain technology.
Looking ahead, SoFi's management is optimistic about the company's future growth prospects. For 2026, the company expects adjusted net revenue to be approximately $4.655 billion, reflecting a 30% year-over-year growth. SoFi plans to achieve at least 30% compounded annual revenue growth from 2025 to 2028, demonstrating strong confidence in its future. However, SoFi's guidance for the next quarter was notably lower, with projected sales of $1.04 million, falling far short of expectations. Despite this, SoFi's adjusted EPS guidance for 2026 is $0.60 at the midpoint, 10% higher than analyst forecasts.
