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.
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