SoFi Technologies Posts Record $1 Billion Quarter in Q4 2025 as Membership Reaches 13.7 Million

In the fourth quarter of 2025, SoFi Technologies reported adjusted net revenue of $1.013 billion for the three-month period — the first time in the company's history that quarterly revenue crossed the $1 billion threshold. The result, a 37 per cent increase on the same quarter of the prior year, was published in a press release issued via Business Wire on 30 January 2026.

Adjusted EBITDA for the quarter reached $318 million, up 60 per cent year on year, at a margin of 31 per cent. The company added a record one million new members during the fourth quarter alone, bringing total membership to 13.7 million at the close of 2025. That end-of-year total represented a 35 per cent increase on the prior year's member count.

FULL-YEAR RESULTS

For the full year 2025, SoFi reported total GAAP net revenue of $3.61 billion, a 35 per cent increase compared with 2024, and GAAP net income of $174 million in the fourth quarter alone. SoFi now offers deposit accounts, investment accounts, home loans, credit cards, and, since the fourth quarter of 2025, crypto trading alongside its core consumer lending activity.

BANK CHARTER

SoFi obtained its national bank charter in early 2022. The charter allows SoFi to accept federally insured deposits and deploy the resulting low-cost funding directly into its loan origination activity, rather than depending entirely on wholesale capital markets or third-party investor programmes to fund its balance sheet.