SoFi Posts First Billion-Dollar Quarter as Fintech Growth Accelerates
SoFi Technologies shattered records with $1.113 billion in Q4 2025 revenue, marking a 37% year-over-year surge. The fintech powerhouse achieved a Rule of 40 score of 68%, while adjusted EBITDA jumped 60% to $318 million. Ninth consecutive profitable quarter secured with $172.5 million GAAP net income.
Member growth exploded with 1 million new additions—the largest quarterly increase in company history. Total membership now stands at 13.7 million, a 35% annual increase. Product adoption accelerated sharply, with 1.6 million new products added (up 37% YoY) pushing total offerings to 20.2 million.
The one-stop-shop model demonstrates remarkable stickiness: 40% of new products came from existing members, a 7-point improvement year-over-year. Brand-building investments continue paying dividends as SoFi cements its position in the financial services landscape.
