---
schema_version: "secwatch.filing_event.v1"
accession: "0001818874-23-000005"
form_type: "8-K"
ticker: "SOFI"
cik: "0001818874"
company_name: "SoFi Technologies, Inc."
filed_at: "2023-01-30T23:59:59+00:00"
generated_at: "2026-06-20T06:44:17.862133+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# SoFi Q4 revenue $457M (+60% YoY), net loss improves 64%, record adj. EBITDA $70M

## Summary
- Q4 GAAP net revenue $456.7M (+60% YoY); adjusted net revenue $443.4M (+58%).
- Net loss improved 64% YoY to $40.0M; loss per share -$0.05 vs -$0.15.
- Adjusted EBITDA record $70.1M (up 15.3x YoY, up 58% sequentially).
- Added ~480,000 new members in Q4; total members 5.2M (+51% YoY).
- FY 2023 guidance: expects significant revenue and EBITDA growth, targets GAAP net income profitability in Q4 2023.

## SEC filing metadata
- accession: 0001818874-23-000005
- form_type: 8-K
- ticker: SOFI
- cik: 0001818874
- company_name: SoFi Technologies, Inc.
- filed_at: 2023-01-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1818874/000181887423000005/0001818874-23-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1818874/000181887423000005/sofi-20230130.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818874-23-000005
- JSON: https://secwatch.observer/filing/0001818874-23-000005.json
- Plain text: https://secwatch.observer/filing/0001818874-23-000005.txt

## Key facts
- Earnings Releases
  SoFi Technologies, Inc. reported three months and year ended December 31, 2022 results: revenue $456,679, net income (40,006), EPS (0.05).
  - Period: three months and year ended December 31, 2022
  - Revenue: $456,679
  - Net income: (40,006)
  - EPS: (0.05)
  - Result: reported results
  source text: Results Summary Three Months Ended December 31, % Change Year Ended December 31, % Change ($ in thousands) 2022 2021 2022 2021 Consolidated – GAAP Total net revenue $ 456,679 $ 285,608 60 % $ 1,573,535 $ 984,872 60 % Net loss (40,006) (111,012) (64) % (320,407) (483,937) (34) % Loss per share – basic and diluted (0.05) (0.15) (67) % (0.40) (1.00) (60)
  evidence_url: https://www.sec.gov/Archives/edgar/data/1818874/000181887423000005/0001818874-23-000005-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.