SoFi’s fiscal Q4 2025 marked its first quarter of revenue exceeding $1 billion, driven by expanding loan originations, wealth management fees and increased cross-selling rates that reached 40%. The period also delivered record adjusted profitability, underscoring improved operating leverage across the fintech platform.

Management set 2026 targets of 30% year-over-year revenue growth and 52% adjusted EBITDA growth, citing a shift toward capital-light, fee-based services and ongoing product innovation for its core student refinance and personal loan segments.

After a more than 20% decline from recent highs, SoFi shares have been labeled a buying opportunity by analysts who attribute the pullback to broader market sentiment rather than company fundamentals. The company’s strong balance sheet and potential inclusion in the S&P 500 are viewed as near-term catalysts.

SoFi shares jumped 7.2% on February 6 as a broader crypto market rally—led by Bitcoin’s rebound above $68,000—lifted investor sentiment toward fintech stocks with digital asset exposure. This short-term surge highlights the sensitivity of SoFi’s trading revenue to cryptocurrency price swings.