SOFI
SoFi Technologies, Inc.26.58
+0.76+2.94%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Segment details, allocation optionality
Q&A unpacked segment guidance with Financial Services revenue up 40%+, Lending 23%, Tech Platform 20% normalized for a client exit. Management highlighted enviable optionality in surging originations, balancing balance sheet growth against lucrative LTV partnerships with new partners signed. Deposits remain sticky at 97% direct, with 60-70% downward beta expected. Crypto sparks tech platform demand from LatAm and beyond. M&A bar is sky-high, eyeing tech accelerations but leaning organic. Two paths, both winners. Bulls will track capital deployment versus build.
Key Stats
Market Cap
33.50BP/E (TTM)
47.46Basic EPS (TTM)
0.56Dividend Yield
0%Recent Filings
10-K
FY2025 results
SoFi Technologies reported FY2025 results with total net revenue up 35% y/y to $3.6B, driven by 88% growth in Financial Services fee revenue to $1.5B from Loan Platform fees, interchange, and brokerage, while Lending net revenue rose 24% to $1.8B on 57% higher originations. Q4 accelerated with adjusted net revenue of $1.0B (up 37% y/y), reflecting deposit growth to $37.5B (up 44%) and strong member momentum to 13.6M (+35%) and 20.2M products (+37%). Margins expanded with Lending contribution profit up 14% to $1.0B (56% margin) and Financial Services at $793M (52% margin), while Technology Platform grew 14% to $450M revenue. Liquidity remains robust at $14.8B available, supporting capital allocation amid stable credit (charge-offs 2.07%). Regulatory shifts in student lending pose risks to quarterly refinancing momentum.
8-K
SoFi Q4 revenue hits $1B record
8-K
Simcock retires, advises on
SoFi Technologies' General Counsel Stephen Simcock retired effective December 31, 2025, but will advise through December 31, 2026. He earns a monthly fee of $83,333.33 plus COBRA subsidies under a January 5, 2026 agreement. Smooth transition secured. Filing details the advisor terms without further financial impact.
8-K
Underwriters exercise full option
SoFi Technologies completed the underwriters' full exercise of their 30-day option on January 5, 2026, issuing additional common stock at $27.50 per share and bringing the total offering to 57,754,660 shares. Underwriters grabbed the option fast. This caps the base offering announced December 8, 2025, boosting cash reserves without further details on proceeds use.
8-K
SoFi closes $1.5B stock offering
SoFi Technologies completed a public offering of 54,545,454 common shares at $27.50 per share on December 8, 2025, following the December 4 underwriting agreement with Goldman Sachs and others. Net proceeds will bolster capital, boost optionality, and fund growth. Underwriters hold a 30-day option for 8,181,818 more shares. Cash infusion sharpens efficiency.
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