SoFi Technologies, Inc. (SOFI) Earnings History

7 quarters held3/7 transcripts analyzed2/35 figures attested
Connect your agent
PeriodRevenueYoYNet incomeEPS (dil.)Filed
Q2 2026$1.2B+42.5%$156.6M$0.12Jul 29, 2026
LATESTEarnings filing (8-K)10-QFiled Jul 29, 2026, 7:06 AM ET
Earnings call · Jul 29, 2026transcriptView originalprepared remarksQ&Awebcast
Q2 FY26YoY6M FY26
Revenue$1.2B1+42.5%$2.3B
Net income$156.6M+61.0%$323.3M
Op income–––
EPS (dil.)$0.12+50.0%–
EPS (basic)$0.12+33.3%–
Net margin12.8%+1.5pp
  1. [1] “Total net revenue 1,218,676” view source

Guidance & outlook

Management guidance

Q2 2026

fy_current

revenue
$4.8B—$4.8B
operating_income
1.6B—1.6B
net_income
825M—825M
eps_diluted
$0.60—$0.60
other
No specific guidance provided

Call guidance

Q2 2026
MetricValuePeriodSpecificityvs Prior
sofi_plus_members1 milliona year from nowpointNew
sofi_plus_annual_revenue$120 milliona year from nowpointNew
adjusted_net_revenue$4.75 to $4.85 billionfull year 2026tight_rangeNew
adjusted_ebitda$1.6 billionfull year 2026pointNew
adjusted_net_income$825 millionfull year 2026pointNew
eps60 centsfull year 2026pointNew

Special items & operational metrics

Operational metrics

Q2 2026
Members
15.8M
+35.0% YoY
Prior year: 11.7M
members
Products
24.4M
+42.7% YoY
Prior year: 17.1M
products
Products per Member
1.5
products/member
SoFi Plus Subscribers
206.0K
subscribers
Total Deposits
45500.0M
dollars
Q1 2026$1.1B+42.6%$166.7M$0.12Apr 29, 2026
Earnings filing (8-K)10-QFiled Apr 29, 2026, 7:09 AM ET
Earnings call · Apr 29, 2026transcriptView originalprepared remarksQ&Adeckwebcast
Q1 FY26YoY
Revenue$1.1B1+42.6%
Net income$166.7M+134.4%
Op income––
EPS (dil.)$0.12+100.0%
EPS (basic)$0.13+116.7%
Net margin15.2%+5.9pp
  1. [1] “Total net revenue $ 1,100,368 $ 771,759 43 %” view source
Q4 2025$1.0B+40.0%$173.5M$0.13Jan 30, 2026
Earnings filing (8-K)10-KFiled Jan 30, 2026, 7:07 AM ET
Earnings call · Jan 30, 2026transcriptView originalprepared remarksQ&Adeckwebcast
Q4 FY25YoYFY25
Revenue$1.0B+40.0%$3.6B
Net income$173.5M-47.8%$481.3M
Op income–––
EPS (dil.)$0.13-55.2%–
EPS (basic)$0.14-54.8%–
Net margin16.9%-28.4pp
Q3 2025$961.6M+38.0%$139.4M$0.11Oct 28, 2025
Earnings filing (8-K)10-QFiled Oct 28, 2025, 7:03 AM ET
Earnings call · Oct 28, 2025transcriptView originaldeckwebcast
Q3 FY25YoY9M FY25
Revenue$961.6M+38.0%$2.6B
Net income$139.4M+129.0%$307.8M
Op income–––
EPS (dil.)$0.11+120.0%$0.25
EPS (basic)$0.12+100.0%$0.27
Net margin14.5%+5.8pp
Q2 2025$854.9M+43.0%$97.3M$0.08Jul 29, 2025
Earnings filing (8-K)10-QFiled Jul 29, 2025, 7:03 AM ET
Earnings calldeckwebcast
Q2 FY25YoY6M FY25
Revenue$854.9M+43.0%$1.6B
Net income$97.3M+459.0%$168.4M
Op income–––
EPS (dil.)$0.08+700.0%$0.14
EPS (basic)$0.09+800.0%$0.15
Net margin11.4%+8.5pp
Q1 2025$771.8M+20.0%$71.1M$0.06Apr 29, 2025
Earnings filing (8-K)10-QFiled Apr 29, 2025, 7:03 AM ET
Earnings calldeckwebcast
Q1 FY25YoY
Revenue$771.8M+20.0%
Net income$71.1M-19.2%
Op income––
EPS (dil.)$0.06+200.0%
EPS (basic)$0.06-25.0%
Net margin9.2%-4.4pp
Q4 2024$734.1M+19.0%$332.5M$0.29Jan 27, 2025
Earnings filing (8-K)10-KFiled Jan 27, 2025, 7:05 AM ET
Earnings calldeckwebcast
Q4 FY24YoYFY24
Revenue$734.1M+19.0%$2.7B
Net income$332.5M+593.8%$498.7M
Op income–––
EPS (dil.)$0.29+1350.0%$0.39
EPS (basic)$0.31+675.0%$0.46

IR event calendar

Upcoming

No upcoming events scheduled.

Past
  • SoFi Q2 2026 Earnings Conference CallJul 29, 2026, 8:00 AM
    webcasttranscriptwebcast
  • 2026 Annual Meeting of StockholdersJun 17, 2026, 7:00 AM
    webcastwebcast
  • 54th Annual J.P. Morgan Global Technology, Media and Communications ConferenceMay 19, 2026, 2:15 PM
    webcastwebcast
  • SoFi Q1 2026 Earnings Conference CallApr 29, 2026, 8:00 AM
    webcasttranscriptwebcast
  • SoFi Q4 & FY 2025 Earnings Conference CallJan 30, 2026, 8:00 AM
    webcasttranscriptwebcast
  • UBS Global Technology & AI ConferenceDec 3, 2025, 1:35 PM
    webcastwebcast

+51 more

IR event calendar last checked 2026-08-15 19:00:04+00; events announced since are not shown.

Filing coverage

64 filings indexed · 55,845 XBRL facts
FilingDatePeriodSectionsTables
10-Q2026-08-06–41158
8-K2026-07-29Q2 2026110
8-K2026-06-18–10
10-Q2026-05-07–37134
8-K2026-04-29Q1 2026110
10-K2026-02-17–60179
8-K2026-01-30Q4 2025110
8-K2026-01-09–10
8-K2026-01-05–10
8-K2025-12-08–20

Showing the latest 10 of 64 — the full set is in the API.

Related Research

Analysis

Why Strategy (MSTR) Trades at a 17% Discount to Its Own Bitcoin

Analysis

SoFi's 3.6x Book Value Has a $36 Billion Blind Spot