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SoFi Technologies (SOFI) stock surged 6.06% in premarket trading to $25.84 on Friday, January 30, 2026, following the fintech bank’s impressive fourth-quarter earnings report. The company exceeded Wall Street expectations across key metrics while adding a record one million new members during the quarter.

SoFi’s strong performance was driven by robust loan originations, explosive growth in fee-based businesses, and continued momentum in its financial services segment, positioning the company as a structurally profitable fintech platform heading into 2026.

SoFi Delivers Q4 Earnings Beat on Broad-Based Growth

SoFi Technologies delivered exceptional fourth-quarter results, with adjusted earnings per share of $0.13 surpassing the consensus estimate of $0.12 and marking a significant increase from $0.05 in the prior-year quarter.

The company’s adjusted net revenue reached a milestone of $1.01 billion, comfortably exceeding the $982.4 million analyst consensus and representing a 37% year-over-year increase. Net interest income climbed to $617.3 million, above the $604.6 million estimate, while adjusted EBITDA of $318.0 million beat expectations of $305.8 million.

The fintech lender’s fee-based businesses demonstrated remarkable strength, with the financial services segment revenue surging 78% year-over-year to $456.7 million in the quarter ended December 31. This segment, which includes credit card and investing products, helps insulate the company from interest-rate fluctuations.

Overall, fee-based revenue jumped 53% from the prior year, highlighting SoFi’s successful diversification beyond traditional lending. CEO Anthony Noto characterized the quarter as “exceptional,” noting that the $1 billion revenue milestone and 60% EBITDA growth demonstrate the company’s business model is working as designed.

Total loan originations hit a record $10.5 billion, up 46% from a year ago, driven by continued strong demand across personal loans ($7.5 billion, up 43%), student loans ($1.9 billion, up 38%), and home loans ($1.1 billion, up 95%).

The company added a record one million new members during the quarter, bringing total membership to 13.7 million, up from 12.6 million at the end of Q3 2025 and 10.1 million a year earlier. Deposits reached $37.5 billion, compared to $32.9 billion at the end of September 2025.

Bullish Full-Year Outlook Supports Stock Rally

SoFi provided optimistic guidance for 2026 that exceeded Wall Street consensus across all key metrics, fueling investor enthusiasm. The company expects full-year GAAP EPS of approximately $0.60, above the $0.58 consensus estimate, representing continued strong profitability.

Adjusted revenue is projected to reach approximately $4.655 billion versus the $4.55 billion consensus, while adjusted EBITDA guidance of approximately $1.600 billion surpasses the Visible Alpha consensus of $1.57 billion.

For the first quarter of 2026, SoFi anticipates GAAP EPS of $0.12, in line with consensus expectations, with adjusted revenue of $1.04 billion matching analyst estimates. However, Q1 adjusted EBITDA guidance of approximately $300 million came in below the Visible Alpha estimate of $341 million.

Despite this modest Q1 EBITDA guidance, the full-year outlook demonstrates management’s confidence in sustained growth momentum throughout 2026.

Analysts noted that SoFi has successfully transitioned from a promising fintech startup to a scaled, structurally profitable financial platform. The company’s member and product flywheel continues to accelerate, with strong loan demand benefiting from recent interest rate cuts that have encouraged refinancing and debt consolidation.

Consumers are increasingly shifting high-cost credit card balances to fintech lenders like SoFi to take advantage of lower-interest personal loans, a trend that supports continued growth in originations and revenue.

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