SoFi Technologies (NASDAQ: SOFI) announced fourth-quarter results for 2025 on January 30, 2026, with profitability surging thanks to steady loan activity and accelerated expansion in its fee-based operations. The San Francisco-based firm, which began as a student loan refinancing platform in 2011 and has since broadened into personal loans, mortgages, investing, credit cards, and other digital financial services, achieved a milestone by crossing $1 billion in adjusted net revenue for the first time.SoFi‘s l ...

核心财务表现 - 季度营收首次达到10.1亿美元里程碑 同比增长36% 主要得益于当季新增100万客户 [2][3] - 每股收益为0.13美元 超出市场预期18% 较去年同期大幅增长160% [2] - 调整后税息折旧及摊销前利润达到创纪录的3.18亿美元 利润率为31% 较2024年第四季度的29%有所扩大 [5] - 有形账面价值增长至89亿美元 环比增加17亿美元 有形普通股回报率达到9.0% [3] 业务增长与战略 - 公司已从学生贷款提供商转型为多元化的数字金融服务平台 这使其在金融板块股票中脱颖而出 [4] - 增长质量体现在多个维度 连续九个季度在保持盈利的同时实现高效扩张 [4][5] - 关键驱动力在于持续创新 2025年的创新包括SoFi Pay、加密货币交易以及SoFiUSD稳定币 [5] - SoFiUSD的推出使其成为首家在公开、无需许可的区块链上发行稳定币的全国性银行 将公司定位于传统银行业与数字资产的交汇点 [6] - SoFi智能卡的发布展示了公司提供独特价值主张的能力 帮助会员建立信用并获得奖励 [6] 运营势头与前景 - 业绩表现超出预期 营收与每股收益均表现强劲 强化了运营势头 [7] - 基于费用的收入和更强的交叉购买趋势正在推动商业模式规模化 并减少了对资产负债表增长的依赖 [7] - 业绩指引指向持续走强 但市场预期已提高 这使得 flawless 执行变得更为重要 [7]

The era of Federal Reserve Chairman Jerome Powell is winding down, and SoFi (SOFI) CEO Anthony Noto says the results are essentially a wash — marked by a series of historic stumbles salvaged by a remarkably resilient US economy. "It's not always the path of how [to] get there, it's what the outcome is," Noto told Yahoo Finance, reflecting on a tenure rocked by unprecedented volatility and the COVID-19 pandemic. "People can poke holes on the margin about inflation and having to act sooner ... but [we've ...

SoFi Earnings Beat Estimates. The Fourth Quarter Was 'Exceptional,' Says CEO. - Barron'sSkip to Main ContentThis copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com.# SoFi Posts Better-Than- Expected Earnings. The Fourth Quarter Was 'Exceptional,' Says CEO.By [Mackenzie Tatananni] ...

Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. Getting started as an investor usually costs money. SoFi is flipping that idea on its head. For a limited time, SoFi is offering new investors up to $1,000 in stock when they open and fund a self-directed investing account. Instead of charging commissions or requiring large balances, the platform is giving investors stock upfront, capital they can put to work right away. In a market where commissions and ...

SoFi Technologies (SOFI) shares are slipping today, even after the fintech company posted its first-ever billion-dollar quarter and issued impressive guidance for 2026. At the time of writing, SOFI is hovering around its 200-day moving average (MA) at the $22.69 level. A decisive break below this price may accelerate downward momentum in the near-term. Versus its November high, SoFi stock is now down nearly 30%. More News from Barchart www.barchart.com Is SoFi Stock Worth Investing in on Earnings Weak ...

股市整体表现 - 周五股市下跌 因前总统唐纳德·特朗普提名凯文·沃什为下一任美联储主席候选人 且数据显示美国12月生产者价格通胀高于预期 [1] 当日异动股票 - 文章中提及的当日异动股票包括 苹果公司 闪迪公司 SoFi公司 威瑞森公司 美国运通公司 西部数据公司 KLA公司 埃克森美孚公司等 [1]

SoFi Technologies (Nasdaq: SOFI)Â crossed the $1 billion quarterly revenue threshold for the first time in company history, delivering Q4 2025 results that beat estimates across the board while adding a record 1 million new members. ...

公司业绩与财务表现 - 第四季度实现首个十亿美元营收季度，营收达10.13亿美元，同比增长37% [1][3][5] - 2025年全年调整后净营收达36亿美元，同比增长38%，调整后EBITDA达11亿美元，同比增长58% [8] - 公司指引2026年调整后净营收约为47亿美元，意味着约30%的营收增长 [14] - 季度费用收入达4.43亿美元，同比增长超过50%，年化费用收入接近18亿美元 [7] 平台战略与用户增长 - 平台交叉销售战略是第四季度业绩的核心，旨在吸引会员并说服其采用多种产品 [1] - 第四季度新增100万新会员，使总会员数达到1370万，同时新增160万新产品，产品总数超过2000万 [4] - 40%的新增产品来自现有会员，交叉购买率同比增长7个百分点 [4] - 几乎所有存款（约97%）来自将SoFi应用作为主要金融中心的直接存款客户 [7] 贷款业务 - 第四季度贷款发放额达到105亿美元，首次突破100亿美元大关 [5] - 个人贷款是主要驱动力，学生贷款和住房贷款亦有贡献 [6] - 平台设计允许公司根据市场条件和资本优先级，选择将贷款保留在资产负债表上或转给合作伙伴以获得费用收入 [6] - 个人贷款借款人的平均FICO评分为746，学生贷款借款人的平均FICO评分为765，信贷质量保持稳定 [13] 加密货币与技术平台 - 加密货币产品和技术平台正成为核心贷款业务之外的重要增长杠杆 [1] - 随着监管明确，加密货币业务已从实验阶段转变为运营板块，公司推出了国际支付、重新开放消费者加密货币交易并推出了自己的稳定币 [9] - SoFi成为首家在公共无许可区块链上发行稳定币的国家银行，其SoFi USD与美联储主账户中的现金1:1挂钩 [10] - 此举旨在将公司定位于加密货币生态系统的中心，并计划未来将服务扩展至机构交易、代理支付和结算 [11] - 监管指引发布后，来自企业客户（尤其是探索卡项目和钱包产品的国际公司）对技术平台（包括Galileo）的兴趣加速增长 [12]

SoFi Technologies ( NASDAQ:SOFI ) reported impressive fourth-quarter 2025 earnings this morning, significantly exceeding Wall Street estimates and raising its earnings guidance for the coming year ahead of forecasts. ...