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SoFi Technologies, Inc. SOFI Q4 2025 Annual earnings

Reported January 30, 2026 · Before market open

Revenue$1.0BBeat by $35.4M
EPS$0.13Beat by $0.01
Revenue estimate$977.4M
EPS estimate$0.12

Next report

Oct 27, 2026 (in 2 months)
Revenue estimate$1.3B
EPS estimate$0.17

Financials

Q4 2025

Income statement

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Revenue$1.0B+39.6%
Gross profit$863.4M+42.5%
Net income$173.5M-47.8%
EPS (diluted)$0.14-54.8%

Balance sheet

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Cash & equivalents$5.4B+97.7%
Total debt$1.9B-39.6%
Total equity$10.5B+60.8%
Total assets$50.7B+39.7%

Cash flow

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Operating cash flow-$991.2M-395%
CapEx$66.4M+57.1%
Free cash flow-$1.1B-336%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$33B+97.5%
Enterprise value$29.58B+71.9%
P/E68.6×+35.0×
P/S9.1×+2.9×

Profitability

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Gross margin83.1%+0.4pp
Net margin13.3%-5.3pp
FCF margin-110.3%-460pp

Returns & leverage

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Return on equity5.7%-2.8pp
Debt / equity0.2×-0.3×

Segments

By product

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Technology services$92.1M+6.4%
Interchange$35.9M+66.3%
Referrals, loan platform business$19.7M+21.3%
Brokerage$12.9M+120%
Other$4.1M+535%

By segment

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Lending$498.7M+19.4%
Technology Platform$94.0M+6.0%
Financial Services$76.3M+62.9%

By geography

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All foreign countries$62.2M+153%

FAQ

When did SoFi Technologies, Inc. report Q4 2025 earnings?
SoFi Technologies, Inc. (SOFI) reported Q4 2025 earnings on January 30, 2026 before market open.
What were SoFi Technologies, Inc.'s Q4 2025 revenue and EPS?
SoFi Technologies, Inc. reported revenue of $1.0B and eps of $0.13 for Q4 2025.
Did SoFi Technologies, Inc. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $977.4M by $35.4M. EPS beat the consensus estimate of $0.12 by $0.01.
How did SoFi Technologies, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 38.0% from $734.1M a year earlier and eps grew 160.0% from $0.05.
Where can I find SoFi Technologies, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001818874-26-000008) and the 10-K periodic report (0001818874-26-000013) directly on SEC EDGAR. The filing index links above go to sec.gov.