SoFi Shatters Records: First Billion-Dollar Revenue Quarter Hits $1.113 Billion in Q4 2025

Fintech's favorite disruptor just joined the billion-dollar club.

SoFi's Q4 2025 earnings report landed with a thud—the kind that echoes through Wall Street's old guard. The numbers tell a story of a company that's not just growing, but fundamentally rewriting the rules of personal finance.

From Student Loans to a Financial Powerhouse

Remember when SoFi was just for refinancing student debt? That chapter is closed. The platform has aggressively expanded, layering in banking, investing, and crypto services to create a one-stop financial hub. This quarter's $1.113 billion revenue milestone is a direct result of that strategy—consumers are voting with their wallets, consolidating their financial lives under one digital roof.

The All-in-One Bet Pays Off

The integrated model is the secret sauce. By offering checking, savings, loans, and stock/crypto trading in a single app, SoFi creates a powerful ecosystem. Customers who come for a loan stay for a high-yield savings account. Those who open an investment account often fund it from their SoFi checking. It’s a virtuous cycle that drives engagement—and revenue—skyward.

A Cynical Nod to the Old Guard

Let's be real—traditional banks saw this coming and still got blindsided. They spent decades building moats with fees and paperwork, while SoFi built a better product. Now, the disruptor is scaling the walls, and the incumbents are left scrambling to patch together their own half-baked apps. A classic tale of innovation outpacing inertia.

This isn't just a good quarter; it's a signal flare. SoFi has proven its model at scale, hitting a revenue figure that makes it a serious, permanent player. The question for 2026 isn't *if* they'll grow, but how fast—and which legacy institution feels the pinch next.

SoFi Technologies adds 1 million new members in Q4

📣 SoFi delivers another record-breaking quarter! In Q4 we delivered a record $1 billion in adjusted net revenue and had the biggest increase in new members and new products in SoFi history. This is durable growth, powered by our one-stop shop.

Full results here:… pic.twitter.com/0t5KDFy289

— SoFi (@SoFi) January 30, 2026

The report revealed that SoFi Technologies onboarded a record 1 million new members in the fourth quarter. The firm’s membership increased to 13.7 million, a 35% YoY surge. The members also added a record 1.6 million new products during that period, a 37% increase from the year before, bringing the total to 20.2 million products.

Existing members also opened 40% of new products on SoFi’s one-stop shop last quarter, a 7% increase YoY. The firm stated that the growth was fueled by continued investment in brand building, with SoFi’s unaided brand awareness hitting an ATH of 9.6%.

“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. Our one-stop shop is scaling exactly as intended and delivering a winning combination of growth and returns.”

–Anthony Noto, CEO of SoFi.

Noto also revealed that the company moved with urgency during the last quarter to deliver crypto and blockchain innovation. He believes SoFi’s scale, innovation, and profitability have positioned the firm to compound growth and deliver significant financial returns in 2026.

SoFi Technologies reported a 59% surge in its fee-based revenue to $443 million. The firm is now generating an annual fee-based revenue of nearly $1.8 billion. The financial technology company argued that the growth was driven by the strong performance of its Loan Platform Business (LPB). 

LPB generated more than $194 million in adjusted net revenue, up about 15% from Q3. SoFi’s LPB is currently running at an annualized pace of $15 billion of originations. The business is also generating $774.6 million in high-margin, high-return revenue.

SoFi Technology’s lending business reaches record highs

Cryptopolitan previously reported that the online bank became the first nationally chartered financial institution to establish crypto trading for consumers. SoFi was also the first to launch its own stablecoin, SoFiUSD, on a public blockchain.

The firm’s loan originations also reached an all-time high of $10.5 billion in Q4 2025, up 46% YoY. SoFi stated that strong performances across its lending segments drove the surge in total originations to record highs. According to the report, personal loan originations ROSE 43% YoY to $7.5 billion, student loan originations increased 38% YoY to $1.9 billion, and home loan originations surged 2x YoY to over $1.1 billion.

The net revenue of SoFi’s Financial Services segment for Q4 surged by 78% YoY to $456.7 million. SoFi also grew the segment’s products by 4.8 million, a 38% increase from Q4 2024. The total number of Financial Services products in the last quarter reached 17.5 million. The firm’s noninterest income increased 2.6x YoY to $248.9 million, while its net interest income surged by 30% YoY to $207.8 million. 

SoFi stated that its management expects to increase total members by at least 30% YoY in 2026. The firm is also targeting an adjusted revenue of roughly $4.655 billion and an adjusted EBITDA of approximately $1.6 billion this year.

In Q1 of 2026, the firm’s management forecasts an adjusted net revenue of roughly $1.04 billion and an adjusted EBITDA of about $300 million. During the same period, SoFi also expects an adjusted net income of $160 million and an adjusted EPS of nearly 12 cents per share.

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