SoFi breaks $1B revenue, accelerates crypto-driven growth

SoFi posted record Q4 revenue over $1B, $174M net income, and 1M new members. Growth was driven by digital finance and crypto expansion. The company forecasts robust revenue and membership growth.

SoFi Technologies reached a significant milestone in Q4 2025, reporting revenue above $1 billion for the first time—a 37-40% year-over-year increase. Net income was approximately $174 million, and adjusted earnings per share hit $0.13, surpassing analyst forecasts. The company added a record 1 million new members during the quarter, increasing total membership to 13.7 million, up 35% annually. Growth was fueled by expanding digital financial products, including personal and home loans, and notable advances in cryptocurrency services. Key crypto initiatives included the launch of the SoFiUSD stablecoin and blockchain-based remittance solutions. SoFi defended its recent $1.5 billion capital raise as a strategic move to enhance future growth flexibility, despite initial dilution concerns. Looking ahead, SoFi projects adjusted net revenue of $4.66 billion for 2026 and expects at least 30% compounded annual growth through 2028, highlighting strong momentum in both traditional and digital finance sectors.