SoFi Technologies Inc股票（SOFI）今日价格：实时图表与分析

SOFI

Q4 2025 was a milestone: SoFi crossed $1 billion in quarterly revenue for the first time, with adjusted net revenue of $1.0 billion (+37% YoY), adjusted EBITDA of $318 million (+60%), and 13.7 million members (+35%). FY2025 adjusted net revenue came in at $3.6 billion (+38%). Net income for Q4 was $174 million, the ninth consecutive quarter of GAAP profitability. Total deposits grew to $37.5 billion by year-end, funding the lending business at attractive rates. SoFi also launched crypto trading in Q4 2025 - the first nationally chartered bank to do so - and introduced its SoFiUSD stablecoin. Management's FY2026 guidance is for $4.655 billion in adjusted net revenue (+30%) with 38–42% compound annual EPS growth through 2028. A short-seller report in early Q1 2026 raised accounting concerns that SoFi publicly disputed, creating some noise around the stock. The real risks are interest rate sensitivity (higher-for-longer rates compress net interest margins), credit quality in personal loans if the macro softens, and the difficulty of competing on all fronts against both established banks and specialised fintechs.