SoFi Achieves Landmark $1 Billion Quarterly Revenue Milestone Fueled by Membership Surge
Feb 11, 2026 (22 hr ago)
Positive
SoFi delivered a landmark Q4, surpassing $1 billion in quarterly revenue for the first time, supported by robust membership expansion and strong forward guidance.
Record Quarterly Financial Performance
- Q4 revenue hit $1.03 billion, marking the first time the company surpassed the $1 billion quarterly revenue threshold2, 5
- This revenue figure represented a significant year-over-year jump, increasing by approximately $274 million or 40%3, 5
- Adjusted Earnings Per Share (EPS) for Q4 was $0.13, beating analyst consensus estimates by two cents2, 5
Sustained Membership and Operational Momentum
- Total membership base expanded to 13.7 million members, reflecting a strong 35% year-over-year growth rate2, 5
- The company has maintained GAAP profitability for nine consecutive quarters, demonstrating operational consistency3
- J.P. Morgan analysts noted the undeniable business momentum, citing record pace in adding new members and deposits5
Aggressive Long-Term Growth Projections
- SoFi issued ambitious guidance for fiscal year 2026, targeting approximately $4.66 billion in revenue2
- This guidance implies a target of roughly 30% yearly revenue growth, underpinned by continued robust membership uplift2, 3
- The 2026 outlook also includes a goal of achieving approximately 60 cents in adjusted EPS3
Strategic Analyst Positioning and Capital Access
- Citizens upgraded the rating to Outperform, viewing recent share weakness as technical and positioning SoFi as a long-term fintech compounder1
- J.P. Morgan analysts identified SoFi as their preferred fintech stock over PayPal due to its strong growth trajectory1
- The company successfully raised over $3 billion in incremental capital to shore up resources3
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