Earnings summaries and quarterly performance for SoFi Technologies.
Executive leadership at SoFi Technologies.
Anthony Noto
Detailed
Chief Executive Officer
CEO
AP
Arun Pinto
Detailed
Chief Risk Officer
CL
Christopher Lapointe
Detailed
Chief Financial Officer
ES
Eric Schuppenhauer
Detailed
Executive Vice President, Group Business Unit Leader, Borrow
JR
Jeremy Rishel
Detailed
Chief Technology Officer
KK
Kelli Keough
Detailed
Executive Vice President, Group Business Unit Leader, Spend Invest Protect and Save
SS
Stephen Simcock
Detailed
General Counsel
Board of directors at SoFi Technologies.
CL
Clara Liang
Detailed
Director
DG
Dana Green
Detailed
Director
GM
Gary Meltzer
Detailed
Director
JH
John Hele
Detailed
Director
MY
Magdalena Yeşil
Detailed
Director
RB
Ruzwana Bashir
Detailed
Director
SF
Steven Freiberg
Detailed
Vice Chairman of the Board
TH
Tom Hutton
Detailed
Chairman of the Board
WB
William Borden
Detailed
Director
Research analysts who have asked questions during SoFi Technologies earnings calls.
DD
Dan Dolev
Mizuho Financial Group
7 questions for SOFI
Also covers: ACN, ADP, AFRM +14 more
Kyle Peterson
Needham & Company
7 questions for SOFI
Also covers: AFRM, ALIT, AX +12 more
AJ
Andrew Jeffrey
William Blair & Company
6 questions for SOFI
Also covers: AFRM, CHYM, CPAY +6 more
Peter Christiansen
Citigroup Inc.
5 questions for SOFI
Also covers: ADP, ADT, ALIT +12 more
JH
John Hecht
Jefferies
4 questions for SOFI
Also covers: AFRM, ARCC, BFH +23 more
KJ
Kyle Joseph
Jefferies
4 questions for SOFI
Also covers: AFRM, CACC, CRMT +14 more
MO
Moshe Orenbuch
TD Cowen
4 questions for SOFI
Also covers: AER, AFRM, AL +11 more
RS
Reggie Smith
JPMorgan Chase & Co.
4 questions for SOFI
Also covers: AFRM, BFH, CIFR +7 more
Devin Ryan
Citizens JMP
3 questions for SOFI
Also covers: AMTD, COIN, CRCL +20 more
Jeffrey Adelson
Morgan Stanley
3 questions for SOFI
Also covers: ALLY, AXP, BFH +7 more
TM
Terry Ma
Barclays
3 questions for SOFI
Also covers: AER, AL, AXP +16 more
JH
John Heck
Jefferies
2 questions for SOFI
Also covers: COF, JCAP
MB
Mihir Bhatia
Bank of America
2 questions for SOFI
Also covers: ACT, AXP, BFH +11 more
RS
Reginald Smith
JPMorgan Chase & Co.
2 questions for SOFI
Also covers: AFRM, BETR, BFH +8 more
JG
Jill Glaser Shea
UBS
1 question for SOFI
Also covers: AFRM, BNS, RY +1 more
JS
Jill Shea
UBS Group
1 question for SOFI
Also covers: BNS, RY
NK
Noah Katz
JPMorgan Chase & Co.
1 question for SOFI
Also covers: AM, ARIS, EE +2 more
WN
William Nance
The Goldman Sachs Group, Inc.
1 question for SOFI
Also covers: AFRM, AMTD, AVDX +20 more
Recent press releases and 8-K filings for SOFI.
SOFI Reports Record Q4 and Full-Year 2025 Results, Provides Strong 2026 Guidance
SOFI
Earnings
Guidance Update
Product Launch
- SoFi reported record Q4 2025 adjusted net revenue of over $1 billion, marking its first billion-dollar quarter and a 37% year-over-year increase, with adjusted EBITDA reaching $318 million, up 60% year-over-year. For the full year 2025, adjusted net revenue was $3.6 billion (up 38%) and adjusted EBITDA was $1.1 billion (up 58%), the first time surpassing $1 billion in EBITDA.
- The company achieved substantial growth, adding a record 1 million new members in Q4, bringing the total to 13.7 million members (up 35% year-over-year), and a record 1.6 million new products, totaling over 20 million products (up 37% year-over-year).
- SoFi significantly expanded its product ecosystem by launching SoFi Pay for international payments, SoFi Crypto for direct investment from FDIC-insured accounts, SoFi USD as the first stablecoin issued by a national bank, and the SoFi Smart Card.
- For full-year 2026, SoFi expects adjusted net revenue of approximately $4.655 billion (30% year-over-year growth) and adjusted EPS of approximately $0.60 per share. The company also projects compounded annual adjusted net revenue growth of at least 30% and adjusted EPS growth of 38%-42% from 2025 to 2028.
6 days ago
SoFi Reports Record Q4 and Full-Year 2025 Results, Provides Strong 2026 and Long-Term Guidance
SOFI
Earnings
Guidance Update
Product Launch
- SoFi reported record adjusted net revenue of $1.013 billion in Q4 2025, marking its first billion-dollar quarter, and $3.6 billion for the full year 2025. Adjusted EBITDA reached $318 million in Q4 and $1.1 billion for the full year.
- The company achieved $0.13 earnings per share in Q4 2025 and $0.39 for the full year, marking its ninth consecutive profitable quarter.
- For 2026, SoFi expects adjusted net revenue of approximately $4.655 billion and adjusted EPS of approximately $0.60 per share. Long-term, it projects compounded annual adjusted net revenue growth of at least 30% and EPS growth of 38%-42% from 2025 to 2028.
- SoFi added a record 1 million new members in Q4 2025, increasing total members to 13.7 million, and launched new crypto products including SoFi Pay, SoFi Crypto, and the SoFi USD stablecoin.
- The company strengthened its balance sheet with $3.2 billion in new capital in 2025, increasing tangible book value per share to $7.01, and reported total deposits of $37.5 billion.
6 days ago
SoFi Reports Record Q4 and Full-Year 2025 Results, Provides 2026 Guidance
SOFI
Earnings
Guidance Update
Product Launch
- SoFi reported record financial results for Q4 2025 and the full year 2025, with Q4 adjusted net revenue exceeding $1 billion (up 37% year-over-year) and full-year adjusted net revenue reaching $3.6 billion (up 38% year-over-year). Adjusted EBITDA for Q4 was $318 million (up 60% year-over-year) and $1.1 billion for the full year (up 58% year-over-year).
- The company achieved significant growth in its member base, adding a record 1 million new members in Q4 2025 for a total of 13.7 million (up 35% year-over-year), and a record 1.6 million new products, totaling over 20 million (up 37% year-over-year).
- SoFi launched several new offerings, including SoFi Pay, SoFi Crypto, its own stablecoin SoFi USD, and the SoFi Smart Card, while also strengthening its balance sheet with $3.2 billion in new capital, increasing tangible book value per share to $7.01.
- For fiscal year 2026, SoFi expects adjusted net revenue of approximately $4.655 billion (approximately 30% year-over-year growth) and adjusted EBITDA of approximately $1.6 billion (approximately 34% margin).
6 days ago
SoFi Technologies Reports Record Q4 2025 Results and Provides 2026 Guidance
SOFI
Earnings
Guidance Update
Revenue Acceleration/Inflection
- SoFi Technologies reported record GAAP net revenue of $1.0 billion for the fourth quarter of 2025, a 40% increase year-over-year, with net income of $173.5 million and diluted earnings per share of $0.13.
- The company achieved record member growth, adding 1.0 million new members in Q4 2025, resulting in a 35% year-over-year increase to 13.7 million members.
- Total originations reached a record of $10.5 billion in Q4 2025, up 46% year-over-year, driven by strong performance across all lending segments.
- Management provided 2026 guidance, expecting full-year adjusted net revenue of approximately $4.655 billion and adjusted EPS of approximately 60 cents per share.
6 days ago
SoFi Announces Monthly Distributions for THTA ETF
SOFI
Dividends
- SoFi announced monthly distributions for its SoFi Enhanced Yield ETF (THTA).
- The distribution as of January 14, 2026, is $0.1520 per share, with a 12.00% distribution rate, an ex-date of January 16, 2026, and a payment date of January 20, 2026.
- The THTA ETF, which had an inception date of November 15, 2023, seeks current income by combining U.S. government securities with a "credit spread" option strategy.
Jan 15, 2026, 1:00 PM
SoFi Bank Launches SoFiUSD Public Stablecoin
SOFI
Product Launch
New Projects/Investments
- SoFi Technologies has launched SoFiUSD, a fully reserved U.S. dollar stablecoin issued by SoFi Bank, N.A., described as the first national bank–issued stablecoin on a public, permissionless blockchain.
- The SoFiUSD token is backed 1:1 by cash reserves held at the Federal Reserve for immediate redemption and debuted on Ethereum.
- Initially, SoFiUSD will be used for internal settlement and is positioned as infrastructure for banks, fintechs, and enterprise partners, with broader availability to SoFi members planned in the coming months.
- The initial mint of SoFiUSD began with a $10,000 issuance on launch day, and SoFi is in advanced discussions with several institutions for its adoption.
Dec 18, 2025, 1:51 PM
SoFi Launches Fully Reserved Stablecoin
SOFI
Product Launch
New Projects/Investments
- SoFi Technologies, Inc. announced the launch of SoFiUSD, a fully reserved U.S. dollar stablecoin issued by SoFi Bank, N.A..
- SoFi is the first national bank to issue a stablecoin on a public, permissionless blockchain, aiming to serve as a stablecoin infrastructure provider for banks, fintechs, and enterprise partners.
- SoFiUSD is fully reserved 1:1 by cash for immediate redemption and is issued by an OCC-regulated insured depository institution, providing regulatory strength and reserve transparency.
- The stablecoin will enable faster and more efficient money movement with near-instant settlement, and will also be available to SoFi members for uses such as international remittance and everyday consumer point-of-sale purchases.
Dec 18, 2025, 1:00 PM
SoFi Technologies Announces Public Offering of Common Stock
SOFI
- SoFi Technologies, Inc. announced an underwritten public offering of $1.5 billion of its common stock on December 4, 2025.
- The offering consists of 54,545,454 shares priced at $27.50 per share, for total gross proceeds of approximately $1.5 billion.
- SoFi has granted the underwriters a 30-day option to purchase up to an additional 8,181,818 shares of common stock.
- The company intends to use the net proceeds for general corporate purposes, including enhancing its capital position, increasing optionality, and funding incremental growth and business opportunities.
- The offering is expected to close on December 8, 2025.
Dec 5, 2025, 2:38 AM
SoFi Technologies Raises 2025 Guidance and Highlights Key Growth Drivers
SOFI
Guidance Update
New Projects/Investments
Revenue Acceleration/Inflection
- SoFi Technologies raised its full-year 2025 guidance, projecting over 3.5 million new members and $3.54 billion in Adjusted Net Revenue, reflecting approximately 36% growth.
- Significant growth is attributed to the financial services business, with interchange and brokerage fees up 70% year-to-date, and the loan platform business, which has grown 4x year-to-date. The company's revenue mix has shifted, with 40% of total revenue now fee-based, up from a typical 25%.
- The loan platform business achieved $3.4 billion in originations on behalf of others last quarter, reaching a $13 billion run rate and generating $660 million in annualized revenue. Management expects Q4 LPB originations to increase relative to Q3.
- SoFi is actively investing in product innovation, including the relaunch of SoFi Crypto, the introduction of SoFi Pay for global remittance, and the upcoming SoFi Stablecoin, supported by its strong capital levels of approximately 20%.
Dec 3, 2025, 8:35 PM
SoFi Technologies Updates 2025 Guidance and Highlights Growth Drivers
SOFI
Guidance Update
Product Launch
New Projects/Investments
- SoFi Technologies raised its full-year 2025 guidance, now expecting to add over 3.5 million members and generate $3.54 billion of Adjusted Net Revenue, representing approximately 36% growth.
- The company's financial services business, including interchange and brokerage fees, is up 70% year to date, and the loan platform business is up 4x year to date, with $3.4 billion of originations last quarter and an annualized revenue run rate of $660 million.
- SoFi is making significant investments in product innovation, including the relaunch of SoFi Crypto, the introduction of SoFi Pay for global remittance, and the upcoming SoFi Stablecoin, alongside expanding its home loans product set.
- With capital levels around 20%, SoFi has significant flexibility for both organic growth and potential inorganic opportunities, though no M&A is imminent.
Dec 3, 2025, 8:35 PM
Quarterly earnings call transcripts for SoFi Technologies.
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