As of Q4'25, SOFI reported a net income of 173.5M USD, marking a substantial improvement compared to previous quarters. The year-over-year (YoY) growth rate for this period stands at -47.8%, indicating a decline in growth momentum despite the strong absolute net income figure. From Q1'23 to Q4'25, SOFI's net income trend shifted from significant losses—such as -266.7M USD in Q3'23—to consistent profitability starting in Q4'23. The company experienced notable volatility, with a sharp turnaround in Q4'23 and robust YoY growth peaking at 593.9% in Q4'24. However, recent quarters show decelerating YoY growth, suggesting that while profitability has been achieved and maintained, the pace of improvement is moderating as the business matures.