SoFi Technologies (SOFI) Reports Q4 Earnings: What Key Metrics Have to Say

Core Insights - SoFi Technologies, Inc. reported a revenue of $1.01 billion for Q4 2025, marking a 37% year-over-year increase and exceeding the Zacks Consensus Estimate by 3.15% [1] - The company achieved an EPS of $0.13, up from $0.05 a year ago, representing a surprise of 9.71% over the consensus estimate [1] Financial Performance Metrics - Total Accounts in the Technology Platform segment were 128.46 million, below the estimated 162.84 million [4] - Total Products in the Financial Services segment reached 17.53 million, slightly above the average estimate of 17.13 million [4] - Membership count stood at 13.65 million, slightly exceeding the estimate of 13.59 million [4] - Total Products in the Lending segment were 2.63 million, below the average estimate of 2.99 million [4] - Total Noninterest Income was reported at $407.77 million, surpassing the estimate of $375.39 million, reflecting a 54.5% year-over-year increase [4] - Net Interest Income reached $617.28 million, exceeding the estimate of $608.69 million, with a year-over-year change of 31.3% [4] - Total net revenue from Financial Services was $456.74 million, above the estimate of $446.02 million, indicating a year-over-year increase of 78.1% [4] - Total Interest Income was reported at $927.42 million, exceeding the estimate of $912.22 million, with a year-over-year change of 24.7% [4] - Revenue from Technology products and solutions was $93.96 million, slightly above the estimate of $93.32 million, reflecting a 6.3% year-over-year change [4] - Loan platform fees amounted to $190.86 million, surpassing the estimate of $184.57 million [4] - Loan origination, sales, and securitizations generated $53.86 million, above the estimate of $50.51 million, but represented a year-over-year decline of 27.1% [4] - Other income was reported at $69.09 million, exceeding the estimate of $55.18 million, with a year-over-year increase of 73.8% [4] Stock Performance - SoFi Technologies' shares have returned -7% over the past month, while the Zacks S&P 500 composite has increased by 0.9% [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]