Core Insights - SoFi Technologies reported Q4 financials with revenue surpassing $1.0 billion for the first time, addressing previous skepticism about its performance [1] Financial Performance - The company achieved record revenue in Q4, marking a significant milestone in its financial growth [1] - The revenue growth indicates strong demand for its financial technology services and products [1]

Company Overview - Proactive is a financial news publisher that provides fast, accessible, informative, and actionable business and finance news content to a global investment audience [2] - The company has a team of experienced and qualified news journalists who produce independent content [2] Market Focus - Proactive specializes in medium and small-cap markets while also covering blue-chip companies, commodities, and broader investment stories [3] - The content delivered includes insights across various sectors such as biotech and pharma, mining and natural resources, battery metals, oil and gas, crypto, and emerging digital and EV technologies [3] Technology Adoption - Proactive is recognized for being a forward-looking technology adopter, utilizing decades of expertise and experience among its content creators [4] - The company employs automation and software tools, including generative AI, while ensuring that all published content is edited and authored by humans [5]

SoFi Technologies, Inc. (SOFI) reported $1.01 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 37%. EPS of $0.13 for the same period compares to $0.05 a year ago.The reported revenue represents a surprise of +3.15% over the Zacks Consensus Estimate of $981.89 million. With the consensus EPS estimate being $0.12, the EPS surprise was +9.71%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations ...

In the fourth quarter, SoFi’s financial services and technology platform segments combined generated $579 million of revenue, up 61% year-over-year and representing 57% of total revenue, Noto said.Management repeatedly pointed to a shift toward more capital-light and fee-based revenue. Noto said quarterly total fee-based revenue hit a record $443 million, up more than 50% from the prior year; Lapointe put the year-over-year increase at 53%. Executives cited contributions from the Loan Platform Business (LPB ...

SoFi Stock: SoFi Earnings Growth Accelerates, Tops Views On Record Membership Adds | Investor's Business DailyBREAKING: [Trump Names Warsh New Fed Chairman]---SoFi Technologies (SOFI) on Friday reported fourth quarter earnings and revenue that topped Wall Street targets. SoFi stock gained amid record member additions and 2026 guidance above consensus estimates. The financial technology company reported Q4 earnings before the market open. In the December quarter, San Francisco-based SoFi said it earned 13 ce ...

time we have the American Heart Association ringing the bell here at the New York Stock Exchange and my friend Diane King Hall and I are in red. I don't know if she did it on purpose. I saw it in the elevator and quickly wore a red sweater.Um, and good morning to you, Dian. >> Good morning. I love that we are representing today on a day that the American Heart Association ringing the opening bell today Nicole.So that's great stuff. Speaking of good news, Deckers, how about that one. That one is off to the r ...

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SoFi Technologies, Inc. (SOFI) came out with quarterly earnings of $0.13 per share, beating the Zacks Consensus Estimate of $0.12 per share. This compares to earnings of $0.05 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +9.71%. A quarter ago, it was expected that this company would post earnings of $0.09 per share when it actually produced earnings of $0.11, delivering a surprise of +22.22%.Over the last four quarters, the ...

SoFi Technologies (NasdaqGS:SOFI) Q4 2025 Earnings call January 30, 2026 08:00 AM ET Company ParticipantsAndrew Jeffrey - Partner and ResearchAnthony Noto - CEOBrian Denyeau - Head of Investor RelationsChris Lapointe - CFOJohn Hecht - Managing DirectorKyle Joseph - Managing DirectorNoah Katz - Senior Equity Research AssociatePeter Christiansen - DirectorReggie Smith - Executive Director of Equity ResearchWilliam Nance - VP of Equity ResearchConference Call ParticipantsDan Dolev - FinTech Equity Research Sen ...

Financial Data and Key Metrics Changes - In 2025, adjusted net revenue reached a record of $3.6 billion, up 38% year-over-year [32] - Adjusted EBITDA was also a record at $1.1 billion, up 58% year-over-year, with a margin of 29% [32] - Net income for the year was $481 million, representing a margin of 13% [32] - In Q4 2025, adjusted net revenue grew 37% year-over-year to $1.013 billion, marking the first billion-dollar quarter [33] - Adjusted EBITDA for Q4 was $318 million, with a margin of 31% [33] Business Line Data and Key Metrics Changes - Financial services generated record revenue of over $1.5 billion in 2025, up 88% from the prior year [34] - The lending segment achieved record adjusted net revenue of over $1.8 billion in 2025, up 24% from the prior year [38] - The tech platform generated record revenue of over $450 million in 2025 [36] - In Q4, the Loan Platform Business generated $194 million in adjusted net revenue, nearly 3x higher than the same period last year [35] Market Data and Key Metrics Changes - The company added a record 1 million new members in Q4, increasing total members by 35% year-over-year to 13.7 million [8] - The company achieved a cross-buy rate of 40% for new products opened by existing members, up 7 percentage points year-over-year [9] - Brand awareness reached an all-time high of 9.6%, up 250 basis points from Q4 2024 [16] Company Strategy and Development Direction - The company aims to leverage its one-stop-shop model to drive durable growth and innovation across its product offerings [5][13] - Plans to expand into new areas such as crypto, AI, and business banking, capitalizing on a strong balance sheet and member base [7][17] - The company is focused on enhancing product quality and brand awareness to drive customer acquisition and reduce marketing costs [60] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the company's prospects, citing a strong member base and innovative product offerings [13] - The company expects to increase total members by at least 30% year-over-year in 2026, with adjusted net revenue projected at approximately $4.655 billion [49] - The outlook includes expectations for continued strong revenue growth across all segments, with a focus on capital-light, fee-based revenue [54][55] Other Important Information - The company raised $1.5 billion in new capital in Q4, enhancing its funding base and flexibility for growth opportunities [46] - Tangible book value grew by over $4 billion year-over-year to $8.9 billion, with tangible book value per share increasing by 57% [48] Q&A Session Summary Question: Can you break down the consolidated guidance at the segment level? - Management expects revenue growth of 40% or more for financial services, approximately 23% for lending, and about 20% for the tech platform in 2026 [54] Question: Can you elaborate on the acceleration in KPI growth and its sustainability? - Management noted that unaided brand awareness has increased significantly, and they are confident in reaching higher levels of awareness and product quality to drive growth [58][60] Question: How do you view origination allocation between LPB and other segments? - Management indicated that demand remains robust, and they have flexibility to choose between capital-light fee-based revenue and retaining higher returning assets on the balance sheet [64][66] Question: Can you provide insights on deposit growth and recent downward beta? - Management confirmed that deposit growth is primarily from member deposits, with a consistent downward beta of 60%-70% since launching the bank [70][73] Question: Do you think innovation in fintech could spur more interest from platform customers? - Management expressed optimism that new products like crypto and stablecoin could enhance interest and demand from tech platform customers [75]