TL;DR:
- Record Revenue: SoFi reports its first $1 billion revenue quarter with a net income of $173.5 million.
- Stablecoin Milestone: The company becomes the first national bank to launch its own stablecoin, dubbed SoFiUSD.
- User Growth: The user base scaled to 13.7 million after adding over one million new members in Q4.
This Friday, fintech firm SoFi Technologies reported its strongest financial results to date. According to the report, the company recorded record revenue during the fourth quarter of $1.013 billion, representing a 37% increase compared to 2025.
This growth was driven by an aggressive diversification strategy combining digital assets with traditional banking. As a result, the company achieved a net income of $173.5 million, consolidating its ninth consecutive quarter of GAAP profitability.
Beyond financial metrics, more than half a million new members joined the platform in the last three months. This momentum reflects consumer confidence in their investment and money management products, which accounted for nearly 90% of the total expansion of their services.
Blockchain Innovation and the Launch of SoFiUSD
A pillar of this success has been the consolidation of its crypto strategy during the close of 2025. SoFi is the first nationally licensed entity to issue its own stablecoin, SoFiUSD, operating on a public blockchain.
Furthermore, the integration of the Bitcoin Lightning Network for international remittances has transformed its payment infrastructure. Through a partnership with Lightspark, the bank facilitates money transfers to over 30 countries, converting dollars to bitcoin in real-time for efficient global settlements.
In summary, the firm’s leadership expects the bullish trend to continue strongly throughout the remainder of 2026. With expectations to exceed $800 million in annual profits, SoFi demonstrates that the convergence of regulated banking and the blockchain ecosystem is the future of the financial sector.
