Filing Flows › SoFi Technologies (SOFI) › Q4 2025
SoFi Technologies (SOFI) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 17, 2026
SoFi Technologies (SOFI) reported revenue of $1.0B for the fourth quarter 2025 (Q4 2025), +40% from a year earlier and +7% from the quarter before. Operating margin was 18.1%, net earnings $174M (16.9% of revenue).
SoFi Technologies, Q4 2025: revenue $1.0B (+40% year over year), operating margin 18.1%, net earnings $174M, operating cash flow −$991M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.0B | +7% | +40% |
| Operating profit | $185M | +25% | +209% |
| Net earnings | $174M | +25% | -48% |
| Operating cash flow | −$991M | — | — |
What changed
Revenue was $1.0B in Q4 2025, up 40% year over year and up 7% from the previous quarter.
Operating profit was $0.19B, a 18.1% margin (up 9.9 points year over year). Of the extra revenue versus a year earlier, 43% reached operating profit, above the 8% margin then. Total costs grew 25% against revenue growth of 40%. The fastest-growing cost line was Sales & marketing (+33%). Net earnings were $0.17B, down 48% year over year. The effective tax rate was 6.4%.
Operating cash flow was −$1.0B. Non-cash charges added back $0.06B of depreciation and amortization and $0.07B of share-based compensation. Working capital and other items used $1.3B. Capital expenditures of $0.07B exceeded it, leaving free cash flow of −$1.1B.
Questions
What was SoFi Technologies' revenue in the fourth quarter 2025?
SoFi Technologies (SOFI) reported revenue of $1.0B for the fourth quarter 2025 (Q4 2025), +40% from a year earlier and +7% from the quarter before.
Was SoFi Technologies profitable in the fourth quarter 2025?
Operating profit was $185M (18.1% of revenue) and net earnings $174M.
Source: SoFi Technologies 10-K on SEC EDGAR.