SoFi Q4 2026 Results: Record Revenue and Growth Strategy

SoFi Showcasing Its Strength in the Markets by Revealing Earnings

SoFi has presented a strong growth story to investors by announcing its Q4 results for the year 2026. The company exceeded the $1 billion revenue threshold on a quarterly basis, successfully passing the market's sustainable profitability test.

Performance Above Consensus Expectations

Analysts had expected $982 million in revenue and $0.11 earnings per share. However, SoFi surpassed these estimates with $1.01 billion in revenue and $0.13 earnings per share. This result indicates the company’s improved ability to convert new member acquisitions into revenue-generating customers, alongside strong membership growth.

Financial Services as the Growth Driver

SoFi's Financial Services segment generated $456 million in revenue with a 78% year-over-year increase. The company demonstrated that it is achieving profitability not just through lending but also via a range of financial services offered. Meanwhile, the loan volume reached $10.5 billion, up 46% year-over-year, supported by strong demand for personal loans, fueling growth in this sector.

Risk Factors in the Technology Platform

However, a risk was identified on the B2B side within the Technology Platform Galileo. A 23% decline in total account numbers resulted in a loss of customers, a situation that investors will monitor closely. The company attributed this situation to the "departure of a large customer," but it remains to be seen if this will have a reciprocal impact in the upcoming quarters.

Positive Projections for 2026

SoFi management anticipates $4.66 billion in revenue for the year 2026; this figure exceeds market expectations. The company targets annual revenue growth in the 30% range, aiming to enhance its financial health and provide greater profitability in the future. These reported growth projections instill confidence in investors and showcase the company's potential.

In the markets, SoFi shares rose by 7% following the released report. Particularly, the positive guidance for 2026 reassures investors and rationalizes the stock’s valuation. Investors will focus on how much SoFi can maintain its growth rate.