Digital financial services company SoFi Technologies (NASDAQ:SOFI) announced better-than-expected revenue in Q4 CY2025, with sales up 38.7% year on year to $1.03 billion. Revenue guidance for the full year exceeded analysts’ estimates, but next quarter’s guidance of $1.04 million was less impressive, coming in 99.9% below expectations. Its non-GAAP profit of $0.13 per share was 16.1% above analysts’ consensus estimates.

Is now the time to buy SoFi? Find out in our full research report.

Revenue: $1.03 billion vs analyst estimates of $985.9 million (38.7% year-on-year growth, 4% beat)

Pre-tax Profit: $185.3 million (18.1% margin)

Adjusted EPS: $0.13 vs analyst estimates of $0.11 (16.1% beat)

Revenue Guidance for Q1 CY2026 is $1.04 million at the midpoint, below analyst estimates of $1.04 billion

Adjusted EPS guidance for the upcoming financial year 2026 is $0.60 at the midpoint, beating analyst estimates by 10%

Market Capitalization: $30.78 billion

Starting as a student loan refinancing company founded by Stanford business school students in 2011, SoFi Technologies (NASDAQ:SOFI) operates a digital financial platform offering lending, banking, investing, and other financial services to help members borrow, save, spend, invest, and protect their money.

A company’s long-term sales performance can indicate its overall quality. Any business can put up a good quarter or two, but many enduring ones grow for years. Over the last five years, SoFi grew its revenue at an incredible 42.1% compounded annual growth rate. Its growth surpassed the average financials company and shows its offerings resonate with customers, a great starting point for our analysis.

Long-term growth is the most important, but within financials, a half-decade historical view may miss recent interest rate changes and market returns. SoFi’s annualized revenue growth of 31.8% over the last two years is below its five-year trend, but we still think the results suggest healthy demand.

Note: Quarters not shown were determined to be outliers, impacted by outsized investment gains/losses that are not indicative of the recurring fundamentals of the business.

This quarter, SoFi reported wonderful year-on-year revenue growth of 38.7%, and its $1.03 billion of revenue exceeded Wall Street’s estimates by 4%. Company management is currently guiding for a 99.9% year-on-year decline in sales next quarter.

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We were impressed by SoFi’s optimistic full-year EPS guidance, which blew past analysts’ expectations. We were also glad its revenue and EPS both outperformed Wall Street’s estimates. Zooming out, we think this was a solid print. The stock traded up 5.7% to $25.70 immediately after reporting.

SoFi had an encouraging quarter, but one earnings result doesn’t necessarily make the stock a buy. Let’s see if this is a good investment. We think that the latest quarter is just one piece of the longer-term business quality puzzle. Quality, when combined with valuation, can help determine if the stock is a buy. We cover that in our actionable full research report which you can read here, it’s free.