SoFi Technologies beats Q4 adjusted revenue expectations
Overview
Digital financial services firm's Q4 adjusted net revenue beat analyst expectations
Company reported record Q4 adjusted EBITDA, up 60% yr/yr
Company added record 1 mln new members and 1.6 mln new products in Q4
Outlook
SoFi expects 2026 adjusted net revenue of approximately $4.655 bln
Company anticipates 2026 adjusted EBITDA of approximately $1.6 bln
SoFi projects 2026 adjusted EPS of approximately 60 cents per share
Result Drivers
MEMBER AND PRODUCT GROWTH - SoFi added a record 1 million new members and 1.6 million new products in Q4, reflecting a 35% and 37% increase year-over-year, respectively
FEE-BASED REVENUE - Record fee-based revenue of $443 million, up 53% year-over-year, driven by strong performance from the Loan Platform Business
CRYPTO AND BLOCKCHAIN INNOVATION - SoFi launched crypto trading and its own stablecoin, SoFiUSD, becoming the first nationally chartered bank to offer these services
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Revenue |
| $1.03 bln |
|
Q4 Adjusted Revenue | Beat | $1.01 bln | $985.20 mln (16 Analysts) |
Q4 EPS |
| $0.13 |
|
Q4 Net Income |
| $173.55 mln |
|
Press Release: ID:nBw2yNgy2a
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