SoFi reports record Q4 2025 results and guides 2026 adjusted net revenue to about $4.655 billion

SoFi reported fourth-quarter 2025 GAAP net revenue of $1.03 billion, up 40%, and adjusted net revenue of $1.01 billion, up 37%. Net income fell 48% to $173.5 million from a year earlier, while members reached 13.7 million, up 35%. For 2026 it guided to about $4.655 billion of adjusted net revenue (roughly 30% growth), about $1.6 billion of adjusted EBITDA, about $825 million of adjusted net income and about $0.60 of adjusted EPS, with members growing at least 30%.

• GAAP net revenue $1.03 billion (+40%); adjusted net revenue $1.01 billion (+37%)
• Net income $173.5 million, down 48% from $332.5 million a year earlier
• Members 13.65 million (+35%); products 20.2 million (+37%)
• Loan originations $10.5 billion (+46%); total deposits $37.5 billion, up $4.6 billion in the quarter
• 2026 guidance: adjusted net revenue about $4.655 billion, adjusted EBITDA about $1.6 billion, adjusted EPS about $0.60