SoFi Achieves Record Member Growth and Platform Scaling in Q4
Feb 26, 2026 (17 hr ago)
Neutral
SoFi onboarded a record number of new members in Q4 2025, signaling strong adoption of its integrated financial platform strategy.
Record User Acquisition and Product Adoption
- SoFi added a record 1.02 million members in the fourth quarter of 2025, bringing the total to 13.7 million1
- The company added 1.6 million new products, marking 37% year-over-year growth to reach 20.2 million products1
- Cross-buy success is evident, with 40% of new products opened by existing members, a nearly 7-point YoY increase1
- The company welcomed a record 1 million new members during the Q4 reporting period3
Financial Performance and Forward Guidance
Strategic Infrastructure and Marketing
Operational Challenges and Balance Sheet Strategy
- Despite growth, the company reported negative operating cash flows of approximately -$1.31 billion and free cash flow of -$1.37 billion4
- Profitability metrics show an EBIT margin of -3.3% and a pre-tax profit margin of -6.1%4
- The business model involves balance-sheet ownership, funding loans directly through customer deposits5
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