The billion-dollar quarter that changes the SoFi thesis 🤑📈; The CFTC just quietly made stablecoins valid collateral for futures trading 😳🪙
FinTech is Eating the World, 11 February
Hey Everyone,
Good morning & happy Wednesday! Today, all eyes are on fintech leader SoFi, and their latest financials, which entirely reframe their investment thesis (deep dive into their most important Q4 2025 financial facts & figures, what they mean, what’s next & whether SoFi is worth your time and money in the years to come), and The Commodity Futures Trading Commission that just quietly made stablecoins valid collateral for futures trading (why it’s huge, how it changes the game & what to expect next + bonus list of the ultimate stables resources inside). So let’s jump straight into the interesting stuff 🌶️
The billion-dollar quarter that changes the SoFi thesis 🤑📈
Following the money 💸 SoFi SOFI 0.00%↑ just crossed a threshold that entirely reframes their investment debate. Its Q4 2025 earnings - $1.013 billion in adjusted net revenue, up 37% year-over-year - mark the first billion-dollar quarter in company history. Nice! 👏
Most importantly, the latest results cap a fiscal year in which the former student-loan refinancer completed its metamorphosis into a digitally native, vertically integrated financial services platform generating $3.6B in annual revenue with genuine operating leverage.
That said, the most important question now is no longer whether SoFi can grow. The question is whether the current ~$27 billion market capitalization adequately prices the current trajectory, or whether the market is still anchoring to a lending mono-line that no longer exists.
Let’s dive deep into SoFi’s Q4 2025 and find out whether this FinTech giant is worth your time and money in the years to come.
