SoFi Posts Strong Q4 Results and Raises Full-Year Outlook

Feb 3, 2026 (19 hr ago)

Positive

SoFi Posts Strong Q4 Results and Raises Full-Year Outlook

SoFi delivered better-than-expected Q4 results, driven by loan platform scaling, and issued full-year guidance above consensus estimates.

Q4 Performance and Forward Guidance

Fourth-quarter GAAP revenue reached $1.025 billion, marking a 39.6% year-over-year increase and surpassing consensus estimates1
Full-year net revenue guidance of $4.655 billion and earnings of 60 cents per share were projected, both exceeding Street expectations1
First-quarter net revenue guidance was set around $1.04 billion, with earnings projected at 12 cents per share, aligning with consensus1

Operational Drivers of Growth

The loan platform business continues to scale faster than management had previously anticipated1
Strength in the quarter was driven by higher Net Interest Income (NII), increased loan platform revenue, and higher interchange fees1

Strategic Business Focus

Management is prioritizing growth areas within FinTech that are both capital-light and high-margin1
This strategic focus supports the accelerated scaling observed in the loan platform segment1

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SoFi Posts Strong Q4 Results and Raises Full-Year Outlook | Foxly Invest