SoFi Technologies reported its first ever quarterly revenue above $1 billion in the fourth quarter of 2025, driven by strong growth in its financial services ecosystem and renewed momentum in crypto and blockchain-related offerings.
Fintech bank and digital financial services provider SoFi Technologies delivered a historic financial performance in Q4 2025, posting **record quarterly revenue of roughly $1 billion, marking a 37% year-over-year increase and the first time the company has surpassed the billion-dollar mark in a single quarter.
Adjusted net revenue hit this milestone as fee-based income, lending and member growth all contributed to the strong results. GAAP net income for the period reached around $173.5 million, while adjusted EBITDA expanded by about 60% to $317.6 million.
SoFi’s results reflect the success of its one-stop financial platform strategy, which blends traditional banking services — including lending, deposits and investing — with emerging digital asset capabilities.
The company reported total fee-based revenue of $443 million, alongside significant growth in core banking products, and a continued ramp-up of crypto and blockchain services — including the late-quarter reintroduction of consumer crypto trading, a new U.S. dollar-backed stablecoin (SoFiUSD), and blockchain-powered remittance services now available across more than 30 countries.
SoFi also saw rapid membership growth, adding roughly 1 million new members during the quarter and lifting its total user base to approximately 13.7 million — around a 35% increase from the prior year.
Product adoption was robust as well, with 1.6 million new products opened in the period, bringing overall platform engagement metrics sharply higher.
Revenue milestone reflects diversified fintech growth and strategic crypto rollout
The strong financial results were accompanied by a notable return to crypto markets, as SoFi reinstated its crypto trading products in June 2025 following a multi-year pause, and began building out related services such as remittances and stablecoin issuance. While crypto revenue still represents a smaller segment of total activity, executives have highlighted its strategic importance as part of broader blockchain-enabled innovation.
Beyond fintech and blockchain services, SoFi’s lending franchise remained a key driver, with loan originations hitting record levels and contributing to fee and interest income growth. Investors reacted positively to the earnings beat, with shares trading higher on the news, though broader market volatility tempered some gains.
Management indicated that the quarter’s performance positions SoFi well for future expansion, emphasizing that its diversified offerings — spanning traditional financial products and emerging digital asset use cases — are central to long-term growth. Guidance for 2026 reflects expectations of continued member and revenue expansion as both crypto and mainstream financial products gain traction within the platform.
Overall, SoFi’s record revenue quarter underscores how diversified financial services platforms with integrated blockchain and crypto solutions can drive growth in an evolving fintech landscape, even as macroeconomic uncertainty persists.
