SoFi Stock Jumps as Fintech Tops $1 Billion in Quarterly Revenue for First Time

SoFi just delivered its first-ever quarter with more than $1 billion in revenue, and the stock is moving higher on the news because the results beat expectations and guidance was strong.

What happened

• In Q4 2025, SoFi reported adjusted net revenue of about $1.01–$1.03 billion, up roughly 37% year over year, marking the first time it has crossed the $1 billion quarterly revenue mark.

• Adjusted earnings per share came in at about 0.13, ahead of consensus estimates of 0.11–0.12.

• The company added about 1 million new members in the quarter, bringing total membership to roughly 13.7 million, with total products around 20.2 million, both up more than 30% year over year.

Why the stock jumped

• Revenue and EPS both beat Wall Street forecasts, which typically supports a positive stock reaction, and pre‑market trading initially showed SoFi shares up around 4% or more after the release.

• Profitability metrics improved: adjusted EBITDA was about $318 million, a margin around 31%, and net income and fee-based revenue also grew sharply, signaling better unit economics and less dependence on just lending.

• Management guided to roughly 30% revenue growth in 2026 and about $1.6 billion in adjusted EBITDA, ahead of prior consensus, which investors see as evidence that the growth story can continue.

Key details at a glance