Catenaa, Thursday, February 05, 2026-SoFi Technologies posted its first billion-dollar revenue quarter and net income of $173.5 million in Q4, marking the fintech’s ninth consecutive profitable quarter.
Adjusted net revenue reached $1.013 billion, up 37% from the same period last year, while adjusted EBITDA grew 60.6% to $317.6 million, representing a 31% margin.
Fee-based revenue surged 53% to $443.3 million, reflecting broader diversification efforts. SoFi added a record 1.027 million new members, bringing its total to 13.7 million, with product additions hitting 1.6 million.
Financial Services products, including SoFi Money, Relay, and Invest, drove 89% of the expansion, with segment net revenue rising 78% to $456.7 million.
The fintech advanced its crypto and blockchain strategy in Q4. SoFi launched its stablecoin, SoFiUSD, on a public blockchain for enterprise 24/7 settlement and resumed consumer crypto trading.
The firm also expanded blockchain-enabled cross-border payments via the Bitcoin Lightning Network in over 30 countries, following its partnership with Lightspark.
CEO Anthony Noto outlined plans for borrowing and staking options, building on earlier 2025 announcements.
Management projects total membership growth of at least 30% in 2026, with full-year adjusted net revenue expected at $4.66 billion and adjusted net income around $825 million.
Shares rose over 6% in pre-market trading to roughly $25.87. The results underscore SoFi’s expansion into digital assets while maintaining strong growth across core financial services.
