SoFi Technologies (NASDAQ:SOFI) capped the year with a standout Q4, exceeding revenue and earnings expectations while demonstrating clear operating leverage across the platform. Record results in Financial Services and the Loan Platform Business drove profitability higher, and management’s 2026 guidance for 30% revenue growth and expanding margins signals that SoFi’s growth is increasingly durable, diversified, and less balance-sheet intensive.
The Financial Services segment continued to scale rapidly, with revenue up 88% year over year and now representing 47% of total revenue, showing a diversification in its business toward less risky, fee-based income. The Loan Platform Business remained a key strategic lever, allowing them to stay asset-light, reduce balance-sheet risk, and earn attractive origination and servicing fees while supporting overall loan growth.
SoFi also relaunched crypto trading and introduced SoFi USD, a stablecoin intended to support future product capabilities across its ecosystem. Though early, these efforts reinforce management’s strategy to build a comprehensive, one-stop financial services platform.
For more details, key highlights, and commentary, check out the high-level earnings summary.
