---
schema_version: "secwatch.filing_event.v1"
accession: "0001818874-26-000008"
form_type: "8-K"
ticker: "SOFI"
cik: "0001818874"
company_name: "SoFi Technologies, Inc."
filed_at: "2026-01-30T23:59:59+00:00"
generated_at: "2026-05-16T06:02:54.749668+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# SoFi reports record Q4 revenue of $1.025B; adjusted net income up 184% YoY

## Summary
- Q4 GAAP net revenue record $1.025B, up 40% YoY; GAAP net income $173.5M (down 48% YoY).
- Adjusted EBITDA $317.6M (+60% YoY); adjusted EPS $0.13 (+160% YoY).
- Added 1M new members in Q4; total members 13.7M (+35% YoY); products 20.2M (+37%).
- Fee-based revenue up 53% to record $443M.
- Management announced 2026 guidance and medium-term outlook (details in release).

## SEC filing metadata
- accession: 0001818874-26-000008
- form_type: 8-K
- ticker: SOFI
- cik: 0001818874
- company_name: SoFi Technologies, Inc.
- filed_at: 2026-01-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1818874/000181887426000008/0001818874-26-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1818874/000181887426000008/sofi-20260130.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818874-26-000008
- JSON: https://secwatch.observer/filing/0001818874-26-000008.json
- Plain text: https://secwatch.observer/filing/0001818874-26-000008.txt

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