Overview
- Q4 adjusted net revenue reached $1.013 billion with net income of $173.5 million and adjusted EBITDA of about $318 million.
- Fee-based revenue set a record at roughly $443 million as executives stressed diversification away from rate-sensitive lending.
- Loan Platform Business generated $194 million in adjusted net revenue for the quarter, putting it on an annualized pace near $775 million.
- SoFi advanced its blockchain strategy with the SoFiUSD stablecoin for 24/7 settlement, a resumption of consumer crypto trading, and Lightning Network payments expansion in 30+ countries.
- Guidance calls for at least 30% membership growth in 2026 with about $4.66 billion in adjusted net revenue and roughly $825 million in adjusted net income, and shares rose more than 6% in pre-market trading.