---
schema_version: "secwatch.filing_event.v1"
accession: "0001818874-25-000006"
form_type: "8-K"
ticker: "SOFI"
cik: "0001818874"
company_name: "SoFi Technologies, Inc."
filed_at: "2025-01-27T23:59:59+00:00"
generated_at: "2026-05-27T09:22:47.908658+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# SoFi Q4 net revenue $734M, net income $332M; adjusted net revenue +24% YoY

## Summary
- GAAP net income $332M vs $47.9M YoY; diluted EPS $0.29 vs $0.02 YoY.
- Record adjusted net revenue $739M, up 24% YoY; financial services + tech platform combined revenue +52% YoY.
- Fee-based revenue record $289M (+63%), reflecting shift to higher ROE revenue streams.
- Members grew 34% and products 32% in 2024; management issued 2025 guidance.
- Adjusted EBITDA $198M (+9% YoY); adjusted EPS $0.05 vs $0.02 YoY.

## SEC filing metadata
- accession: 0001818874-25-000006
- form_type: 8-K
- ticker: SOFI
- cik: 0001818874
- company_name: SoFi Technologies, Inc.
- filed_at: 2025-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1818874/000181887425000006/0001818874-25-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1818874/000181887425000006/sofi-20250127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818874-25-000006
- JSON: https://secwatch.observer/filing/0001818874-25-000006.json
- Plain text: https://secwatch.observer/filing/0001818874-25-000006.txt

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