Overview
- Q4 adjusted net revenue reached $1.01 billion, up 37% year over year, with adjusted EPS of $0.13 topping the $0.11 consensus.
- Total loan originations hit a record $10.5 billion, including $7.5 billion in personal loans and $1.1 billion in home loans.
- Financial services revenue rose 78% to $456.7 million as fee income expanded its share of the business.
- SoFi added 1 million members in the quarter for a total of 13.7 million, and CEO Anthony Noto said credit performance tracked expectations.
- Guidance calls for about $4.66 billion in 2026 adjusted net revenue and at least 30% growth through 2028, while shares gained pre-market as investors weighed dilution from a recent $1.5 billion equity raise and options pricing pointed to heightened volatility.