SoFi (SOFI) Earnings Dates, Call Summary & Reports

Q: When does Sofi Technologies Inc (SOFI) report earnings?

Sofi Technologies Inc (SOFI) is schdueled to report earning on May 04, 2026, After Close (Confirmed).

Q: What is Sofi Technologies Inc (SOFI) earnings time?

Sofi Technologies Inc (SOFI) earnings time is at May 04, 2026, After Close (Confirmed).

Q: Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

Q: What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

Q: What is SOFI EPS forecast?

SOFI EPS forecast for the fiscal quarter 2026 (Q1) is 0.12.

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Earnings Data

Report Date

May 04, 2026

After Close (Confirmed)

Period Ending

2026 (Q1)

Consensus EPS Forecast

0.12

Last Year’s EPS

0.06

Same Quarter Last Year

Analyst Consensus

Hold

Based on 14 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Jan 30, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call presented a strongly positive performance and outlook: record revenue, record adjusted EBITDA, rapid member/product growth, large originations and meaningful expansion of fee‑based and capital‑light revenue streams. Management highlighted major product innovations (crypto/stablecoin, payments, Smart Card) and a strengthened balance sheet. Headwinds were identified but framed as manageable: a key tech‑platform client exit, modest QoQ credit seasoning increases, slight fair‑value mark and NIM pressure, near‑term higher marketing/investment spend, and reliance on macro assumptions for guidance. Overall, the positive operational and financial momentum, clear path to higher fee‑based revenue and strong capital position outweigh the identified risks.

Company Guidance

SoFi guided to robust 2026 growth, forecasting total members up at least 30% year‑over‑year and adjusted net revenue of approximately $4.655 billion (≈30% y/y), adjusted EBITDA of roughly $1.6 billion (≈34% margin), adjusted net income of about $825 million (≈18% margin) and adjusted EPS of ~$0.60 (assuming a mid‑teens tax rate). For Q1 2026 the company expects adjusted net revenue of ≈$1.04 billion (≈35% y/y), adjusted EBITDA of ≈$300 million (29% margin), adjusted net income of ≈$160 million (15% margin) and adjusted EPS of ≈$0.12 (2x prior year Q1). Macro assumptions underpinning guidance include two Fed cuts to a 3.00%–3.25% year‑end fed funds rate, ~2.5% real GDP growth and 4.5%–5% unemployment; SoFi also expects net interest margin above 5% and, on a medium‑term basis, at least 30% CAGR in adjusted net revenue and 38%–42% CAGR in adjusted EPS from 2025–2028, with segment-level 2026 growth targets of Financial Services +40%+, Lending ~23% and Tech Platform ≈20% (pro forma).

Record Revenue — Q4 and Full Year 2025

Adjusted net revenue: Q4 2025 $1.013B (first $1B quarter), up 37% year‑over‑year; Full Year 2025 $3.6B, up 38% year‑over‑year.

Record Profitability and Strong Margins

Adjusted EBITDA: Q4 2025 $318M, up 60% YoY (margin 31%); Full Year 2025 $1.1B, up 58% YoY (margin 29%). Net income: Q4 $174M (17% margin), FY $481M (13% margin).

Outstanding Member and Product Growth

Added a record 1.0M new members in Q4; total members 13.7M, up 35% YoY. Added 1.6M new products in Q4; total products >20M, up 37% YoY. Cross‑buy: 40% of new products opened by existing members, cross‑buy rate +7 percentage points YoY.

Record Loan Originations and Loan Platform Expansion

Total originations in Q4 2025: $10.5B (first quarter >$10B), up 46% YoY; full year originations >$36B. Lending segment originations: $6.8B in Q4 (+13% YoY). Loan‑platform volume and monetization strong: loan platform revenue in Q4 $194M (annualized $775M), ~3x prior year.

Rapid Growth in Fee‑Based / Capital‑Light Revenue

Total fee‑based revenue Q4 2025 $443M, up ~53% YoY (annualized ≈ $1.8B vs < $1.2B prior year). Financial services + tech platform revenue in Q4 $579M, up 61% YoY.

Stronger Balance Sheet and Deposits

Raised significant capital (discussed: $3.2B total new capital mentioned; $1.5B raised in December). Tangible book value $8.9B, up ~$4B YoY. Total deposits grew to $37.5B (increase of $4.6B in the quarter). Company cash at quarter end $5.4B.

Product & Innovation Milestones (Crypto, Payments, Smart Card)

Launched SoFi Pay (blockchain payments) in 30+ countries, launched SoFi Crypto and issued SoFi USD stablecoin (first nationally chartered bank to do so), and launched SoFi Smart Card (all‑in‑one card with up to 5% cash back).

2026 Guidance and Medium‑Term Targets

Guidance: 2026 adjusted net revenue ≈ $4.655B (~30% YoY growth), adjusted EBITDA ≈ $1.6B (~34% margin), adjusted net income ≈ $825M (~18% margin), adjusted EPS ≈ $0.60. Medium‑term: targeted ≥30% CAGR adjusted net revenue (2025–2028) and 38–42% CAGR adjusted EPS.

SoFi (SOFI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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SOFI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
May 04, 2026	2026 (Q1)	0.12 / -	0.06	―	―	―
Jan 30, 2026	2025 (Q4)	0.12 / 0.13	0.29	-55.17% (-0.16)
Oct 28, 2025	2025 (Q3)	0.08 / 0.11	0.05	120.00% (+0.06)
Jul 29, 2025	2025 (Q2)	0.06 / 0.08	0.01	700.00% (+0.07)
Apr 29, 2025	2025 (Q1)	0.03 / 0.06	0.02	200.00% (+0.04)
Jan 27, 2025	2024 (Q4)	0.04 / 0.29	0.02	1350.00% (+0.27)
Oct 29, 2024	2024 (Q3)	0.04 / 0.05	-0.29	117.24% (+0.34)
Jul 30, 2024	2024 (Q2)	<0.01 / 0.01	-0.06	116.67% (+0.07)
Apr 29, 2024	2024 (Q1)	<0.01 / 0.02	-0.05	140.00% (+0.07)
Jan 29, 2024	2023 (Q4)	<0.01 / 0.02	-0.05	140.00% (+0.07)

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
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%
Apr 29, 2025	$13.20	$13.27	+0.53%

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.