SoFi Technologies Q4 Revenue Surpasses $1B Amid Record Member Growth and Crypto Expansion

SoFi Technologies delivered a landmark quarter as revenue eclipsed $1 billion for the first time, fueled by record member additions and accelerating product adoption. The fintech platform added 1 million new users in Q4, bringing its total membership to 13.7 million, while cross-buy activity surged seven percentage points year-over-year to 40%.

The company's foray into digital assets marked a strategic pivot, with new crypto trading services, stablecoin offerings, and global remittance capabilities. This expansion coincides with 60% EBITDA growth and $10.5 billion in loan originations, demonstrating how traditional fintech and crypto-native services are increasingly converging.

While SOFI shares dipped to $24.36 at close, premarket activity turned positive as investors digested the upgraded full-year outlook. The results underscore how embedded finance platforms are leveraging crypto products to deepen engagement—a trend gaining momentum across neobanks and traditional financial institutions alike.