SOFI Achieves Record Q4 Revenue Milestone and Margin Expansion

Feb 27, 2026 (17 hr ago)
Positive
SOFI Achieves Record Q4 Revenue Milestone and Margin Expansion
SOFI delivered robust Q4 results, surpassing $1 billion in revenue for the first time while significantly expanding profitability margins.

Record Quarterly Financial Outperformance

  • Q4 revenue exceeded $1 billion for the first time, marking a 37% year-over-year increase.3
  • Earnings per share reached $0.13, beating consensus estimates by $0.01.3
  • Adjusted EBITDA margins expanded substantially from 27% to 31%, signaling improved operational efficiency.3

Strategic Funding Model Benefits

  • Acquisition of a bank charter in 2022 allowed funding loans with insured deposits instead of relying on capital markets.5
  • Deposit base grew to approximately $38 billion, providing access to funding sources about 1.81% cheaper than alternatives.5
  • Fee-based revenue now constitutes about 43% of total revenue, driven by platform units.5

Core Business Scaling and Future Outlook

  • Total memberships grew 35% to reach 13.7 million active users across the platform.3
  • Loan originations hit a record $10.5 billion in Q4 2025, representing a 57% year-over-year increase.5
  • The company projects exceeding FY26 consensus estimates, forecasting a 30% annual revenue increase.4

Identified Operational Risks

  • Despite revenue growth, the company reported negative operating cash flows of approximately -$1.31 billion.4
  • The overall EBIT margin remains negative at -3.3%, indicating ongoing profitability challenges.4
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SOFI Achieves Record Q4 Revenue Milestone and Margin Expansion | Foxly Invest