Overview
- SoFi reported Q4 adjusted net revenue of $1.013 billion, up 37% year over year, with adjusted EPS of $0.13 and adjusted EBITDA of $318 million.
- The company added a record 1 million members in the quarter to reach 13.7 million, surpassed 20 million products, and said 40% of new products were opened by existing members.
- Total loan originations hit a record $10.5 billion, including $7.5 billion in personal loans and roughly $1.1 billion in home loans, as credit performance stayed in line with expectations.
- Fee-based revenue reached a record $443 million, underscoring a shift toward capital-light, diversified businesses including the Loan Platform.
- SoFi guided to about $4.655 billion in 2026 adjusted net revenue and at least 30% member growth, while shares rose in premarket trading as investors weighed recent equity raises and a bolstered liquidity position.