SoFi Technologies, Inc. (NASDAQ: SOFI) shares shed some of its strength Friday. The company, a member-centric, one-stop shop for digital financial services “that helps members borrow, save, spend, invest and protect their money,” reported financial results today for its fourth quarter and fiscal year ended December 31, 2025.
SoFi added a record one million new members in the fourth quarter, leading to a 35% year-over-year increase to 13.7 million members and added a record 1.6 million new products in the fourth quarter, up 37% from the prior year to 20.2 million products.
Quarterly Adjusted Net Revenue surpassed $1 billion for the first time in company history, reaching $1.013 billion, up 37% year-over-year. SoFi demonstrated the strength of its diversified business by achieving a Rule of 401 score of 68%, reaching record Adjusted EBITDA of $318 million, up 60% year-over-year, representing a 31% Adjusted EBITDA margin.
SoFi’s one-stop shop drove exceptional cross-buy, with 40% of new products opened by existing members - a nearly seven-percentage point increase year-over-year. This strength was supported by continued investment in brand building, which drove SoFi's unaided brand awareness to an all-time high of 9.6%.
“2025 was a tremendous year and the fourth quarter was nothing short of exceptional, delivering more than $1 billion in quarterly revenue for the first time in our history,” said CEO Anthony Noto.
“Our one-stop shop is scaling exactly as intended and delivering a winning combination of growth and returns. We added a record one million new members this quarter and drove record product growth.”
SOFI shares ditched 46 cents, or 1.9%. to $23.90.
