SoFi Technologies announced a successful capital raise of 1.5 billion in late 2025, despite having no immediate funding requirements. CEO Anthony Noto indicated that the fresh capital is intended to support potential acquisitions in 2026, targeting fintech firms with complementary digital banking, wealth management or student loan servicing capabilities. This move follows SoFi’s ambition to broaden its product suite and cross-sell services to its 12.6 million-member base, positioning the company to consolidate market share in high-growth segments.

In the fourth quarter of 2025, SoFi delivered 1.0 billion in total revenue and added 1.0 million net new customers, representing year-over-year growth rates of 40% and 25% respectively. Fee-based revenue climbed 53%, driven by strong demand for financial advisory services and premium membership tiers. Adjusted EBITDA reached 318 million, reflecting a margin improvement to 31% and underscoring the scalable operating leverage of the firm’s platform.

SoFi’s lending segment originated 10.5 billion in new loans during Q4 2025, marking a 46% increase from the prior year and maintaining disciplined credit standards with high-quality borrower profiles. Deposits held on the platform rose to 38.0 billion, up 30% year-over-year, enhancing the company’s low-cost funding base. Personal loans continue to be the primary profit driver, while expansion in mortgage refinancing and student loan repayment programs contributes to diversification.

Management issued guidance calling for a 54% increase in diluted earnings per share for fiscal 2026, alongside projected adjusted net revenue growth of approximately 30% and adjusted EBITDA growth of 52%. Leadership emphasized ongoing investments in technology, data analytics and regulatory compliance to sustain high-growth trajectories, setting the stage for continued shareholder value creation over the next 12 to 18 months.