SoFi Shatters Records with First $1 Billion Quarter, Charts Aggressive Crypto and AI Expansion

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January 30, 2026 — 8:00 AM ET

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SAN FRANCISCO — SoFi Technologies, Inc. (NASDAQ: SOFI) has decisively crossed a major milestone, announcing its first-ever quarter with adjusted net revenue exceeding $1 billion. The Q4 2025 earnings report, released Wednesday, caps a year of breakneck growth and sets the stage for what CEO Anthony Noto calls the company's most ambitious chapter yet, deeply integrating cryptocurrency and artificial intelligence into its financial ecosystem.

The numbers paint a picture of a fintech leader hitting its stride. Adjusted net revenue surged 37% year-over-year to $1.013 billion for the quarter. For the full year 2025, revenue reached $3.6 billion, a 38% increase. Perhaps more telling is the shift in revenue composition: the capital-light Financial Services and Tech Platform segments now contribute 57% of total revenue, generating $579 million in Q4—a staggering 61% annual increase.

"We are no longer just a lending company," Noto emphasized during the earnings call. "We've built a diversified, resilient engine for durable growth. Our one-stop-shop model is working, evidenced by 40% of new products being opened by existing members." The member base swelled to 13.7 million, adding a record 1 million new members in Q4 alone.

The profitability metrics followed suit. Adjusted EBITDA for the quarter was $318 million, a 60% jump, with a robust margin of 31%. The company also posted a net income of $174 million, its ninth consecutive profitable quarter.

The Crypto and AI Frontier

Beyond the historic financials, the call's central theme was SoFi's aggressive push into next-generation financial technology. As a nationally chartered bank, SoFi is leveraging its regulatory standing to launch crypto products at a pace unseen among traditional peers.

Noto detailed a series of first-mover initiatives: the launch of SoFi Pay for low-cost international payments via blockchain; the introduction of SoFi Crypto trading directly within insured deposit accounts; and most significantly, the December issuance of SoFi USD, becoming the first national bank to launch a stablecoin on a public, permissionless blockchain.

"For every SoFi USD outstanding, we hold a dollar of cash in our Fed master account. There is no credit or liquidity risk," Noto stated, positioning the stablecoin as a "game changer" that could make SoFi an infrastructure provider for other banks and fintechs.

The roadmap extends further. For 2026, SoFi plans to use its stablecoin to power its payment network and begin rolling out a business banking service aimed at institutions dealing in both fiat and digital assets. "We aim to fill a critical gap that has existed in the market," Noto said.

Lending Strength and Strategic Optionality

The core Lending segment remains a powerhouse, with Q4 originations hitting a record $10.5 billion. However, the strategy has evolved. Through its Loan Platform Business, SoFi originated $3.7 billion in loans on behalf of third-party partners, generating high-margin fee revenue and providing strategic flexibility.

CFO Chris Lapointe highlighted this "enviable position." With a fortress balance sheet strengthened by a $1.5 billion equity raise in December, the company can choose to retain high-return loans or sell them for immediate capital-light revenue. "We have phenomenal optionality today," Lapointe noted.

Outlook: Confident and Expansive

Guidance for 2026 reflects unwavering confidence. SoFi expects adjusted net revenue of approximately $4.655 billion (up 30%), adjusted EBITDA of $1.6 billion, and adjusted EPS of $0.60. The medium-term outlook is even more striking, projecting compounded annual revenue growth of at least 30% through 2028.

"We are just getting started," Noto concluded, pointing to massive addressable markets in student loan refinancing, home loans, and the nascent crypto economy. "I am more excited about what lies ahead than I have ever been at SoFi."

Street Talk: Analysts and Members Weigh In

David Chen, Portfolio Manager at Horizon Growth Capital: "The shift to fee-based revenue is textbook execution. Their 44% incremental EBITDA margin while growing at this rate is exceptional. The crypto moves aren't just buzz; they're strategic bets using their bank charter as a unique weapon."

Maya Rodriguez, Financial Analyst at ClearWater Research: "The guidance is bold, arguably aggressive. It banks heavily on successful scaling of unproven crypto initiatives and a favorable rate environment for lending. The tech platform growth, ex-one major client, needs to materialize as promised."

Ben Carter, SoFi Member & Software Engineer: "I refinanced my student loans with them years ago. Now I'm using their Invest platform and the new crypto features. The app just keeps adding useful stuff. It feels like they're actually building the 'finance super app' everyone else talks about."

Lisa Hammond, Former Bank Executive & Commentator: "This is hubris masked as innovation. Chasing crypto and stablecoins while the core economy faces headwinds is a dangerous distraction. They're celebrating a $1 billion quarter, but the real test is risk management in a downturn. The 'fortress balance sheet' hasn't been through a real storm yet."