SoFi Technologies (NASDAQ:SOFI) just lit up Q1and the numbers weren't just good. They were a statement. Revenue surged to a record $772 million, up 33% year-over-year, while adjusted EBITDA jumped 46% to $210 million. This marks the company's sixth straight profitable quarter, with net income landing at $71 million. CEO Anthony Noto called it SoFi's strongest revenue growth in over a year, powered by 800,000 new members, a rapidly scaling loan platform, and a big boost in fee-based income. The Financial Services segmentdriven by SoFi Money, Invest, and Relaymore than doubled revenue, showing the strength of the company's full-stack financial ecosystem.
You don't have to look far to see the momentum. The chart says it all: consistent top-line growth, shrinking losses flipping to gains, and EBITDA turning sharply positive. In fact, Q1 was the clearest sign yet that SoFi is evolving from a high-growth fintech into a durable, cash-generating business. Net income, once a sea of red, is now a rising green bar. Meanwhile, EBITDAonce elusivehas taken a definitive turn upwards. And revenue? It's up and to the right, quarter after quarter. SoFi is no longer just growingit's scaling.
And they're not slowing down. Management just raised full-year guidance across the board: adjusted revenue is now expected to hit up to $3.31 billion, adjusted EBITDA as high as $895 million, and GAAP net income could reach $330 million. Book value is rising, charge-offs are falling, and product adoption is accelerating. In short: SoFi's flywheel is workingand it's picking up speed.
This article first appeared on GuruFocus.免責聲明:投資有風險,本文並非投資建議,以上內容不應被視為任何金融產品的購買或出售要約、建議或邀請,作者或其他用戶的任何相關討論、評論或帖子也不應被視為此類內容。本文僅供一般參考,不考慮您的個人投資目標、財務狀況或需求。TTM對信息的準確性和完整性不承擔任何責任或保證,投資者應自行研究並在投資前尋求專業建議。