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SoFi Technologies, Inc. SOFI Q4 2025 Annual earnings

Reported January 30, 2026 · Before market open

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

Next report

Jul 29, 2026 (In 2 weeks)
Revenue estimate$1.1B
EPS estimate$0.11

Financials

Q4 2025

Income statement

See full
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
See full
Market cap$33B+97.5%
Enterprise value$29.58B+71.9%
P/E68.6×+35.0×
P/S9.1×+2.9×

Profitability

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

Returns & leverage

See full
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

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

By geography

See full
All foreign countries$62.2M+153%

Versus estimates

Revenue

Q1 2026$1.1BBeat by $39.5M
Q4 2025$1.0BBeat by $35.4M
Q3 2025$961.6MBeat by $72.7MQ2 2025$854.9MBeat by $50.7MQ1 2025$771.8MBeat by $32.8MQ4 2024$734.1MBeat by $23.8M

Diluted EPS

Q1 2026$0.12In line
Q4 2025$0.13Beat by $0.01
Q3 2025$0.11Beat by $0.03Q2 2025$0.08Beat by $0.02Q1 2025$0.06Beat by $0.03Q4 2024$0.05Beat by $0.01

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Questions, answered.

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 diluted 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 diluted 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.