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Friday 6 November 2026 Export SOFI’s income statement to Excel — free account

SoFi Technologies, Inc.

SOFI Financial Credit Services

SoFi Technologies, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, up 26.6% from fiscal 2024.

Revenue
+41.9%
EPS
+58.3%
Free cash flow
−120.0%
Total debt
+42.3%

Quarter to September 2026, against a year earlier

16.37 0.33 +2.06%
Market cap
$20.8B
P/E
27.8×
Fwd P/E
27.5×
Dividend yield
—
F-score
3/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Segments Valuation Filings

SoFi Technologies, Inc. (SOFI) Earnings & Analysis

Updated · Covers results through Q2 FY2026 · How this is made

Latest quarter

SoFi reported Q2 FY2026 revenue of $1.6 billion, up from $1.1 billion a year earlier. On the basis used for the consensus, SoFi’s revenue was $1.2 billion, above the $1.1 billion estimate; adjusted earnings per share were $0.12, above the $0.11 estimate. SoFi reported diluted EPS of $0.12, up from $0.08 a year earlier.

In its filing, SoFi attributed higher net interest income to increased loan originations for its balance sheet. It also said fee-based revenue benefited from loan originations, interchange and brokerage fees, and its Loan Platform Business. Financial Services revenue grew, while Technology Platform revenue fell after a large client left the platform, the filing said.

SoFi reported gross margin of 77.6%, compared with 75.7% a year earlier, and operating margin of 13.0%, compared with 9.93%. Free cash flow was −$4.0 billion, compared with −$1.5 billion a year earlier.

Q2 FY2026 Q2 FY2025 Change
Revenue $1.6 billion $1.1 billion 39.1%
Diluted EPS $0.12 $0.08 50.0%
Gross margin 77.6% 75.7% 1.9 percentage points
Operating margin 13.0% 9.93% 3.1 percentage points
Free cash flow −$4.0 billion −$1.5 billion —
Against the consensus Reported Consensus Result
Adjusted EPS $0.12 $0.11 Beat by 9.09%
Revenue $1.2 billion $1.1 billion Beat by 8.33%

Adjusted EPS is the figure the consensus estimates, not the GAAP EPS above.

What management said on the call

In its filing, SoFi attributed lending origination growth to demand from members and capital markets partners. The company also said annualized charge-off rates decreased year over year across its portfolios, while personal loan marks fell from the prior quarter.

Guidance

In its subsequent update, SoFi raised its FY2026 adjusted net revenue guidance to $5.0 billion. In its initial FY2027 outlook, the company projected $6.4 billion in adjusted net revenue, $2.2 billion in adjusted EBITDA and $1.3 billion in adjusted net income.

Metric For Guide Previous guide Change
Net margin, non-GAAP FY2027 20.0% — New
Net income, non-GAAP FY2027 $1.3 billion — New
EBITDA, non-GAAP FY2027 $2.2 billion — New
Revenue, non-GAAP FY2027 $6.4 billion — New
Customers growth FY2026 30.0% — New
Net margin, non-GAAP FY2026 17.0% — New
Net income, non-GAAP FY2026 $840.0 million — New
EBITDA, non-GAAP FY2026 $1.7 billion — New
Revenue, non-GAAP FY2026 $5.0 billion — New

This page is for information only. It is not investment advice, a recommendation or an offer to buy or sell any security. Figures come from the sources listed above and may contain errors; verify against the company's filings.