SoFi (SOFI)
NASDAQ:SOFI
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Earnings Data
Report Date
Aug 04, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.12Last Year’s EPS
0.08Same Quarter Last Year
Based on 18 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized robust top-line acceleration, record originations, strong profitability and capital strength, alongside strategic progress in crypto and technology. Key near-term headwinds include a lost large tech platform client, modest fair value mark pressure due to higher benchmark rates, and accelerated marketing spend in H1. Overall, the positive operating momentum, record metrics, and solid capital position outweigh the transitory challenges noted by management.Company Guidance
Strong Revenue Growth and Rule of 40 Outperformance
Adjusted net revenue of $1.1B in Q1, up 41% year-over-year; achieved 18th consecutive quarter exceeding the Rule of 40 with a 72% score (41% revenue growth and 31% adjusted EBITDA margin).
Over $1 Billion in Cash Revenue
Generated more than $1.0B in cash revenue in Q1 (approximately $690M net interest income and ~$390M from interchange, brokerage, technology and loan platform fees and origination fees); second consecutive quarter above $1B.
Record Loan Originations and Lending Momentum
Record total loan originations of $12.2B in Q1 (personal $8.3B, student $2.6B, home $1.2B); Lending adjusted net revenue $629M, up 53% year-over-year; net interest income for Lending increased 39% YoY to $500M.
Member and Product Growth
Added a record 1.1M new members in Q1, total members 14.7M (up 35% YoY); added 1.8M new products, total products 22.2M (up 39% YoY); 43% of new products opened by existing members.
Profitability and Cash Generation
Adjusted EBITDA of $340M, up 62% YoY, with a 31% adjusted EBITDA margin and incremental EBITDA margin of 41%; net income of $167M (15% margin) and tenth consecutive profitable quarter.
Balance Sheet and Capital Strength
Tangible book value $9.2B, up 83% YoY; tangible book value per share $7.21, up 57% YoY; total deposits grew $2.7B to $40.2B; total capital ratio 21% (well above regulatory minimum).
Technology & Crypto Progress
Launched SoFiUSD stablecoin and began minting in Q1; partnership with Mastercard for SoFiUSD settlement; rolling out SoFi Technology Solutions (processing, core/ledgers, payment hub, risk/fraud).
Brand & Product Recognition
Ranked #1 in J.D. Power 2026 U.S. Investor Satisfaction Study (DIY investing) and named #1 U.S. Bank by Forbes; unaided brand awareness rose to 10% (up 300 bps YoY); positive early results from SoFi Plus relaunch.
Loan Platform Demand and Capital Markets Execution
Added $3.6B of new LPB commitments with three partners; executed a $919M securitization with an industry-leading weighted average spread of 86 bps (best execution to date).
Forward Guidance
Q2 guidance: expect ~30% adjusted net revenue growth YoY (~$1.115B), adjusted EBITDA margin ~30% (~$330M) and adjusted net income margin ~12%-13% (EPS ~$0.10-$0.11); reaffirmed full-year guidance.
SOFI Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
SOFI Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 29, 2026 | $18.36 | $15.53 | -15.44% |
Jan 30, 2026 | $24.36 | $22.81 | -6.36% |
Oct 28, 2025 | $30.00 | $31.66 | +5.53% |
Jul 29, 2025 | $21.02 | $22.40 | +6.57% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does SoFi (SOFI) report earnings?
SoFi (SOFI) is schdueled to report earning on Aug 04, 2026, After Close (Confirmed).
What is SoFi (SOFI) earnings time?
SoFi (SOFI) earnings time is at Aug 04, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is SOFI EPS forecast?
SOFI EPS forecast for the fiscal quarter 2026 (Q2) is 0.12.
