SoFi Posts Record Q4 Revenue Fueled by AI Crypto Expansion

SoFi Technologies closed the fourth quarter with its strongest financial performance ever, reporting record revenue as artificial intelligence driven tools and renewed crypto services accelerated growth across its digital finance ecosystem. The results highlight how the fintech company is scaling beyond lending into a data-powered, multi-product financial platform built for long-term profitability.

Record Quarterly Revenue Signals Major Milestone

SoFi reported Q4 revenue exceeding $1.0 billion, marking a 37% year-over-year increase and the first time the company crossed the billion-dollar threshold in a single quarter. Full-year revenue climbed to approximately $3.9 billion, reflecting strong demand across lending, financial services, and technology platform segments.

Adjusted EBITDA reached a quarterly record of $318 million, translating into a 31% EBITDA margin, a key indicator of operating leverage and cost discipline. Net income for the quarter totaled $174 million, while earnings per share came in at $0.13, beating market expectations and reinforcing SoFi’s transition into sustained profitability.

Financial Services and Fee Revenue Drive Analytics Upside

One of the most notable analytical trends in the quarter was the expansion of fee-based revenue, which rose 53% year over year to $443 million. This segment now accounts for roughly 44% of total revenue, reducing reliance on interest-rate-sensitive lending income.

SoFi’s technology platform and financial services units generated a combined $579 million, reflecting growth in interchange fees, brokerage services, referral income, and platform licensing. Analysts view this diversification as critical, as non-lending revenue streams typically carry higher margins and lower credit risk.

Member Growth and Product Penetration Metrics

SoFi added more than 1 million new members in Q4 alone, pushing its total user base to approximately 13.7 million, a 35% annual increase. Total products grew to 20.2 million, up 37% year over year, signaling deeper engagement across checking, savings, investing, credit cards, and personal loans.

Data shows that nearly 40% of new product sign-ups came from existing members, highlighting strong cross-sell efficiency. On average, SoFi members now use 1.47 products per user, a metric management continues to target as a core driver of lifetime customer value.

AI and Crypto Integration Enhances Platform Efficiency

SoFi’s AI strategy is increasingly influencing both user experience and internal analytics. AI-powered financial insights, automated underwriting, and personalized recommendations are improving conversion rates while lowering acquisition costs. Management indicated that AI-driven servicing tools reduced customer support costs per member by double-digit percentages compared to last year.

On the crypto side, SoFi’s re-entry into digital assets and the launch of blockchain-based services contributed to higher engagement among younger, high-value users. Cryptocurrency enabled features are designed to operate within SoFi’s regulated framework, providing transparency, liquidity controls, and compliance while expanding transaction-based revenue.

Forward Guidance and Growth Projections

Looking ahead, SoFi forecasts 2026 adjusted net revenue of approximately $4.6 billion, representing about 30% year-over-year growth. Management expects quarterly revenue to consistently exceed $1 billion going forward, supported by continued member expansion, AI efficiency gains, and growth in fee-based products.

Long-term projections suggest compounded annual revenue growth of 30% or more through 2028, with margins expanding as technology costs scale and lending normalization stabilizes credit performance.