secwatch.observer — SEC 8-K summary
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Issuer:     SoFi Technologies, Inc. (SOFI)
CIK:        0001818874
Form:       8-K
Filed at:   2026-01-30T23:59:59+00:00
Accession:  0001818874-26-000008
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1818874/000181887426000008/0001818874-26-000008-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1818874/000181887426000008/sofi-20260130.htm
  HTML page:      https://secwatch.observer/filing/0001818874-26-000008

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer