SoFi Technologies, Inc. (SOFI) stock
Close on Oct 30, 2026Market cap $21.65BP/E 34.9Yield 0.00%
Earnings
SoFi Technologies's quarterly results as reported in its earnings releases, with the company's own outlook. Hover a number to see the sentence it came from.
Quarterly results
Revenue and earnings per share from each of SoFi Technologies's earnings releases, newest first
| Quarter | Reported | Revenue | YoY | EPS | Adj. EPS | Source |
|---|---|---|---|---|---|---|
| Q4 FY2026ended Dec 31, 2026 | Jan 29, 2027Expected | – | – | – | – | – |
| Q3 FY2026ended Sep 30, 2026 | Oct 27, 2026before the open | $1.40B | – | $0.18 | $0.18 | Release |
| Q2 FY2026ended Jun 30, 2026 | Jul 29, 2026before the open | $1.20B | +40.4% | $0.12 | $0.12 | Release |
| Q1 FY2026ended Mar 31, 2026 | Apr 29, 2026before the open | $1.10B | +42.6% | $0.12 | $0.12 | Release |
| Q4 FY2025ended Dec 31, 2025 | Jan 30, 2026before the open | $1.00B | +36.2% | $0.13 | $0.13 | Release |
| Q3 FY2025ended Sep 30, 2025 | Oct 28, 2025before the open | – | – | – | – | Release |
| Q2 FY2025ended Jun 30, 2025 | Jul 29, 2025before the open | $854.90M | +42.8% | $0.08 | – | Release |
| Q1 FY2025ended Mar 31, 2025 | Apr 29, 2025before the open | $771.80M | +19.7% | $0.06 | $0.06 | Release |
| Q4 FY2024ended Dec 31, 2024 | Jan 27, 2025before the open | $734.10M | +19.3% | $0.29 | $0.05 | Release |
| Q3 FY2024ended Sep 30, 2024 | Oct 29, 2024before the open | $697.10M | +29.8% | $0.05 | – | Release |
| Q2 FY2024ended Jun 30, 2024 | Jul 30, 2024before the open | $598.60M | +20.2% | $0.01 | – | Release |
| Q1 FY2024ended Mar 31, 2024 | Apr 29, 2024before the open | $645.00M | +36.6% | $0.02 | – | Release |
| Q4 FY2023ended Dec 31, 2023 | Jan 29, 2024before the open | $615.40M | +34.7% | $0.02 | $0.02 | Release |
| Q3 FY2023ended Sep 30, 2023 | Oct 30, 2023before the open | $537.20M | +26.7% | -$0.29 | -$0.03 | Release |
| Q2 FY2023ended Jun 30, 2023 | Jul 31, 2023before the open | $498.00M | +37.4% | -$0.06 | – | Release |
| Q1 FY2023ended Mar 31, 2023 | May 1, 2023before the open | $472.20M | +43.0% | -$0.05 | – | Release |
| Q4 FY2022ended Dec 31, 2022 | Jan 30, 2023before the open | $456.70M | +59.9% | -$0.05 | – | Release |
| Q3 FY2022ended Sep 30, 2022 | Nov 1, 2022before the open | $424.00M | +55.9% | -$0.09 | – | Release |
| Q2 FY2022ended Jun 30, 2022 | Aug 2, 2022during market hours | $362.50M | – | -$0.12 | – | Release |
| Q1 FY2022ended Mar 31, 2022 | May 10, 2022during market hours | $330.30M | – | -$0.14 | – | Release |
| Q4 FY2021ended Dec 31, 2021 | Mar 1, 2022during market hours | $285.60M | – | -$0.15 | – | Release |
| Q3 FY2021ended Sep 30, 2021 | Nov 10, 2021during market hours | $272.00M | – | -$0.05 | – | Release |
| Q2 FY2021ended Jun 30, 2021 | Aug 12, 2021during market hours | – | – | – | – | Filing |
Figures as first announced; later restatements appear under Financials. Expected dates are estimated from the company's past reporting pattern.
Current guidance
SoFi Technologies's latest outlook for periods it has not reported yet, compared with what it said before
| Metric | Period | Guidance | Before | Change | Given |
|---|---|---|---|---|---|
| adjusted net revenuenon-GAAP | FY2026 | $5.04B | – | New | Oct 27, 2026 |
| adjusted net revenuenon-GAAP | FY2026 | $4.75B – $4.85B | $4.66B | Raised | Jul 29, 2026 |
| annual revenue growthnon-GAAP | FY2026 | +30% | – | New | Jan 30, 2026 |
| adjusted EBITDAnon-GAAP | FY2026 | $1.66B | – | New | Oct 27, 2026 |
| adjusted EBITDAnon-GAAP | FY2026 | $1.60B | $1.60B | Reaffirmed | Jul 29, 2026 |
| GAAP earnings per shareGAAP | FY2026 | $0.55 – $0.80 | – | New | Jan 29, 2024 |
| adjusted EPSnon-GAAP | FY2026 | $60.00 | – | New | Jul 29, 2026 |
| EPSnon-GAAP | FY2026 | $0.61 | – | New | Oct 27, 2026 |
| adjusted net incomenon-GAAP | FY2026 | $825.00M | $825.00M | Reaffirmed | Jul 29, 2026 |
| annual EBITDA marginnon-GAAP | FY2026 | 34% | 34% | Raised | Apr 29, 2026 |
| marginnon-GAAP | FY2026 | 18% | 18% | Lowered | Apr 29, 2026 |
| net incomenon-GAAP | FY2026 | $840.00M | – | New | Oct 27, 2026 |
| total members | FY2026 | +30% | +30% | Reaffirmed | Jul 29, 2026 |
| total members growth | FY2026 | +30% | – | New | Jan 30, 2026 |
| compounded annual growth in adjusted net revenuenon-GAAP | FY2028 | +30% | – | New | Jan 30, 2026 |
| compounded annual growth in adjusted earnings per sharenon-GAAP | FY2028 | +38% – +42% | – | New | Jan 30, 2026 |
Guidance vs results
The last range SoFi Technologies gave before each report, against the figure it then reported. Full years add up the four quarters.
| Period | Metric | Guidance | Actual | Result |
|---|---|---|---|---|
| Q2 FY2026 | Revenue growth | +30% | +40.37% | Above range |
| Q1 FY2026 | Revenue | $1.04B | $1.10B | Above range |
| Q2 FY2025 | EPS (GAAP) | $0.05 – $0.06 | $0.08 | Above range |
| Q2 FY2025 | Revenue | $785.00M – $805.00M | $854.90M | Above range |
| Q1 FY2025 | EPS (GAAP) | $0.03 | $0.06 | Above range |
| Q1 FY2025 | Revenue | $725.00M – $745.00M | $771.80M | Above range |
| Q3 FY2024 | EPS (GAAP) | $0.04 | $0.05 | Above range |
| Q3 FY2024 | Revenue | $625.00M – $645.00M | $697.10M | Above range |
| Q2 FY2024 | Revenue | $555.00M – $565.00M | $598.60M | Above range |
| Q1 FY2024 | Revenue | $550.00M – $560.00M | $645.00M | Above range |
| Q2 FY2023 | Revenue | $470.00M – $480.00M | $498.00M | Above range |
| Q1 FY2023 | Revenue | $430.00M – $440.00M | $472.20M | Above range |
| Q2 FY2022 | Revenue | $330.00M – $340.00M | $362.50M | Above range |
| Q1 FY2022 | Revenue | $280.00M – $285.00M | $330.30M | Above range |
| Q4 FY2021 | Revenue | $272.00M – $282.00M | $285.60M | Above range |
Guidance history
Every forecast SoFi Technologies put in an earnings release, newest first
| Given | Metric | Period | Guidance | Change |
|---|---|---|---|---|
| Oct 27, 2026 | adjusted EBITDA | FY2026 | $1.66B | New |
| Oct 27, 2026 | EPS | FY2026 | $0.61 | New |
| Oct 27, 2026 | net income | FY2026 | $840.00M | New |
| Oct 27, 2026 | adjusted net revenue | FY2026 | $5.04B | New |
| Jul 29, 2026 | adjusted EBITDA | FY2026 | $1.60B | Reaffirmed |
| Jul 29, 2026 | adjusted EPS | FY2026 | $60.00 | New |
| Jul 29, 2026 | total members | FY2026 | +30% | Reaffirmed |
| Jul 29, 2026 | adjusted net income | FY2026 | $825.00M | Reaffirmed |
| Jul 29, 2026 | adjusted net revenue | FY2026 | $4.75B – $4.85B | Raised |
| Apr 29, 2026 | adjusted EBITDA | FY2026 | $1.60B | Reaffirmed |
| Apr 29, 2026 | annual EBITDA margin | FY2026 | 34% | Raised |
| Apr 29, 2026 | margin | FY2026 | 18% | Lowered |
| Apr 29, 2026 | total members | FY2026 | +30% | Reaffirmed |
| Apr 29, 2026 | adjusted net income | FY2026 | $825.00M | Reaffirmed |
| Apr 29, 2026 | adjusted EBITDA margin | Q2 FY2026 | 30% | New |
| Apr 29, 2026 | adjusted net income margin | Q2 FY2026 | 12% – 13% | Lowered |
| Apr 29, 2026 | adjusted net revenue | FY2026 | $4.66B | Reaffirmed |
| Apr 29, 2026 | adjusted net revenue growth | Q2 FY2026 | +30% | New |
| Jan 30, 2026 | adjusted EBITDA | FY2026 | $1.60B | New |
| Jan 30, 2026 | adjusted EBITDA | Q1 FY2026 | $300.00M | New |
| Jan 30, 2026 | compounded annual growth in adjusted earnings per share | FY2028 | +38% – +42% | New |
| Jan 30, 2026 | annual EBITDA margin | FY2026 | 34% | New |
| Jan 30, 2026 | margin | FY2026 | 18% | Lowered |
| Jan 30, 2026 | total members growth | FY2026 | +30% | New |
| Jan 30, 2026 | adjusted net income | FY2026 | $825.00M | New |
| Jan 30, 2026 | adjusted net income | Q1 FY2026 | $160.00M | New |
| Jan 30, 2026 | annual revenue growth | FY2026 | +30% | New |
| Jan 30, 2026 | adjusted net revenue | FY2026 | $4.66B | New |
| Jan 30, 2026 | adjusted net revenue | Q1 FY2026 | $1.04B | New |
| Jan 30, 2026 | compounded annual growth in adjusted net revenue | FY2028 | +30% | New |
| Oct 28, 2025 | adjusted EBITDA | FY2025 | $1.04B | Raised |
| Oct 28, 2025 | adjusted EPS | FY2025 | $0.37 | New |
| Oct 28, 2025 | new members | FY2025 | 3.5 | Raised |
| Oct 28, 2025 | EBITDA margin | FY2025 | 29% | New |
| Oct 28, 2025 | growth from 2024 levels | FY2025 | +34% | Raised |
| Oct 28, 2025 | adjusted net income | FY2025 | $455.00M | New |
| Oct 28, 2025 | growth in tangible book value | FY2025 | $2.50B | Raised |
| Oct 28, 2025 | annual growth | FY2025 | +36% | New |
| Oct 28, 2025 | adjusted net revenue | FY2025 | $3.54B | Raised |
| Jul 29, 2025 | adjusted EBITDA | FY2025 | $960.00M | New |
| Jul 29, 2025 | GAAP EPS | FY2025 | $0.31 | New |
| Jul 29, 2025 | EBITDA margin | FY2025 | 28% | New |
| Jul 29, 2025 | new members | FY2025 | 3 | New |
| Jul 29, 2025 | growth from 2024 levels | FY2025 | +30% | New |
| Jul 29, 2025 | growth in tangible book value | FY2025 | $640.00M | New |
| Jul 29, 2025 | GAAP net income | FY2025 | $370.00M | New |
| Jul 29, 2025 | adjusted net revenue | FY2025 | $3.38B | New |
| Jul 29, 2025 | annual growth | FY2025 | +30% | New |
| Apr 29, 2025 | adjusted EBITDA | Q2 FY2025 | $200.00M – $210.00M | New |
| Apr 29, 2025 | adjusted EBITDA | FY2025 | $875.00M – $895.00M | Raised |
| Apr 29, 2025 | GAAP EPS | Q2 FY2025 | $0.05 – $0.06 | New |
| Apr 29, 2025 | GAAP EPS | FY2025 | $0.27 – $0.28 | Raised |
| Apr 29, 2025 | incremental EBITDA margin | FY2025 | 27% | New |
| Apr 29, 2025 | GAAP net income | FY2025 | $320.00M – $330.00M | Raised |
| Apr 29, 2025 | GAAP net income | Q2 FY2025 | $60.00M – $70.00M | New |
| Apr 29, 2025 | new members | FY2025 | 2.8 | Reaffirmed |
| Apr 29, 2025 | new members growth | FY2025 | +28% | Reaffirmed |
| Apr 29, 2025 | growth in tangible book value | FY2025 | $585.00M – $600.00M | New |
| Apr 29, 2025 | annual growth | FY2025 | +24% – +27% | Raised |
| Apr 29, 2025 | adjusted net revenue | Q2 FY2025 | $785.00M – $805.00M | New |
| Jan 27, 2025 | adjusted EBITDA | Q1 FY2025 | $175.00M – $185.00M | New |
| Jan 27, 2025 | adjusted EBITDA | FY2025 | $845.00M – $865.00M | New |
| Jan 27, 2025 | GAAP EPS | Q1 FY2025 | $0.03 | New |
| Jan 27, 2025 | GAAP EPS | FY2025 | $0.25 – $0.27 | New |
| Jan 27, 2025 | GAAP net income | FY2025 | $285.00M – $305.00M | New |
| Jan 27, 2025 | new members | FY2025 | 2.8 | New |
| Jan 27, 2025 | GAAP net income | Q1 FY2025 | $30.00M – $40.00M | New |
| Jan 27, 2025 | incremental EBITDA margin | FY2025 | 30% | New |
| Jan 27, 2025 | incremental margin when excluding 2024 non-recurring income tax benefits and gains on convertible notes | FY2025 | 20% | Lowered |
| Jan 27, 2025 | new members growth | FY2025 | +28% | New |
| Jan 27, 2025 | growth in tangible book value | FY2025 | $550.00M – $575.00M | New |
| Jan 27, 2025 | adjusted net revenue growth | FY2025 | +23% – +26% | New |
| Jan 27, 2025 | adjusted net revenue | FY2025 | $3.20B – $3.28B | New |
| Jan 27, 2025 | adjusted net revenue | Q1 FY2025 | $725.00M – $745.00M | New |
| Oct 29, 2024 | adjusted EBITDA | FY2024 | $640.00M – $645.00M | Raised |
| Oct 29, 2024 | GAAP EPS | FY2024 | $0.11 – $0.12 | Raised |
| Oct 29, 2024 | full-year GAAP net income | FY2024 | $204.00M – $206.00M | Raised |
| Oct 29, 2024 | growth in tangible book value | FY2024 | $1.00B – $1.05B | Raised |
| Oct 29, 2024 | annual growth | FY2024 | +22% – +23% | New |
| Oct 29, 2024 | adjusted EBITDA margin | FY2024 | 25% | Lowered |
| Oct 29, 2024 | adjusted net revenue | FY2024 | $2.54B – $2.55B | Raised |
| Jul 30, 2024 | adjusted EBITDA | Q3 FY2024 | $160.00M – $165.00M | New |
| Jul 30, 2024 | adjusted EBITDA | FY2024 | $605.00M – $615.00M | Raised |
| Jul 30, 2024 | EPS | Q3 FY2024 | $0.04 | New |
| Jul 30, 2024 | GAAP EPS | FY2024 | $0.09 – $0.10 | Raised |
| Jul 30, 2024 | net income | Q3 FY2024 | $40.00M – $45.00M | New |
| Jul 30, 2024 | GAAP net income | FY2024 | $175.00M – $185.00M | Raised |
| Jul 30, 2024 | adjusted net revenue | Q3 FY2024 | $625.00M – $645.00M | New |
| Jul 30, 2024 | adjusted net revenue | FY2024 | $2.43B – $2.47B | Raised |
| Apr 29, 2024 | adjusted EBITDA | FY2024 | $590.00M – $600.00M | Raised |
| Apr 29, 2024 | adjusted EBITDA | Q2 FY2024 | $115.00M – $125.00M | New |
| Apr 29, 2024 | GAAP EPS | FY2024 | $0.08 – $0.09 | Raised |
| Apr 29, 2024 | GAAP net income | FY2024 | $165.00M – $175.00M | Raised |
| Apr 29, 2024 | Net Income | Q2 FY2024 | $5.00M – $10.00M | New |
| Apr 29, 2024 | adjusted net revenues | Q2 FY2024 | $555.00M – $565.00M | New |
| Apr 29, 2024 | adjusted net revenue | FY2024 | $2.39B – $2.43B | New |
| Jan 29, 2024 | adjusted EBITDA | Q1 FY2024 | $110.00M – $120.00M | New |
| Jan 29, 2024 | adjusted EBITDA | FY2024 | $580.00M – $590.00M | New |
| Jan 29, 2024 | GAAP earnings per share | FY2026 | $0.55 – $0.80 | New |
| Jan 29, 2024 | GAAP EPS | FY2024 | $0.07 – $0.08 | New |
| Jan 29, 2024 | adjusted EBITDA margin | Q1 FY2024 | 20% | New |
| Jan 29, 2024 | GAAP net income | Q1 FY2024 | $10.00M – $20.00M | New |
| Jan 29, 2024 | new members | FY2024 | 2.3 | New |
| Jan 29, 2024 | growth in tangible book value | FY2024 | $300.00M – $500.00M | New |
| Jan 29, 2024 | full-year GAAP net income | FY2024 | $95.00M – $105.00M | New |
| Jan 29, 2024 | adjusted EBITDA margin | FY2024 | 30% | New |
| Jan 29, 2024 | adjusted net revenue | Q1 FY2024 | $550.00M – $560.00M | New |
| Oct 30, 2023 | full-year adjusted EBITDA | FY2023 | $386.00M – $396.00M | Raised |
| Oct 30, 2023 | adjusted EBITDA margin | FY2023 | 18.9% – 19.2% | Lowered |
| Oct 30, 2023 | incremental adjusted EBITDA margin | FY2023 | 48% | Raised |
| Oct 30, 2023 | adjusted net revenue | FY2023 | $2.05B – $2.07B | Raised |
| Jul 31, 2023 | adjusted EBITDA | FY2023 | $180.00M – $190.00M | Lowered |
| Jul 31, 2023 | full-year adjusted EBITDA | FY2023 | $333.00M – $343.00M | Raised |
| Jul 31, 2023 | incremental adjusted EBITDA margin | FY2023 | 40% – 44% | New |
| Jul 31, 2023 | adjusted net revenue | FY2023 | $1.03B – $1.09B | Lowered |
| Jul 31, 2023 | adjusted net revenue | FY2023 | $1.97B – $2.03B | Raised |
| May 1, 2023 | full-year adjusted EBITDA | FY2023 | $268.00M – $288.00M | Raised |
| May 1, 2023 | adjusted EBITDA | Q2 FY2023 | $50.00M – $60.00M | New |
| May 1, 2023 | adjusted net revenue | FY2023 | $1.96B – $2.02B | Raised |
| May 1, 2023 | adjusted net revenue | Q2 FY2023 | $470.00M – $480.00M | New |
| Jan 30, 2023 | adjusted EBITDA | FY2023 | $260.00M – $280.00M | New |
| Jan 30, 2023 | adjusted EBITDA | Q1 FY2023 | $40.00M – $45.00M | New |
| Jan 30, 2023 | GAAP Net Income incremental margins | FY2023 | 20% | New |
| Jan 30, 2023 | adjusted net revenue | FY2023 | $1.93B – $2.00B | New |
| Jan 30, 2023 | adjusted net revenue | Q1 FY2023 | $430.00M – $440.00M | New |
| Nov 1, 2022 | adjusted EBITDA | FY2022 | $115.00M – $120.00M | Raised |
| Nov 1, 2022 | adjusted net revenue | FY2022 | $1.52B – $1.52B | Raised |
| Aug 2, 2022 | adjusted EBITDA | FY2022 | $104.00M – $109.00M | Raised |
| Aug 2, 2022 | adjusted EBITDA | FY2022 | $75.00M – $80.00M | Lowered |
| Aug 2, 2022 | adjusted net revenue | FY2022 | $1.51B – $1.51B | Raised |
| Aug 2, 2022 | adjusted net revenue | FY2022 | $830.00M – $835.00M | Lowered |
| May 10, 2022 | adjusted EBITDA | FY2022 | $100.00M – $105.00M | Lowered |
| May 10, 2022 | adjusted EBITDA | Q2 FY2022 | $5.00M – $15.00M | New |
| May 10, 2022 | adjusted net revenue | Q2 FY2022 | $330.00M – $340.00M | New |
| May 10, 2022 | adjusted net revenue | FY2022 | $1.51B – $1.51B | Lowered |
| Mar 1, 2022 | adjusted EBITDA | FY2022 | $180.00M | New |
| Mar 1, 2022 | adjusted EBITDA | Q1 FY2022 | $0 – $5.00M | New |
| Mar 1, 2022 | adjusted net revenue | FY2022 | $1.57B | New |
| Mar 1, 2022 | adjusted net revenue | Q1 FY2022 | $280.00M – $285.00M | New |
| Nov 10, 2021 | full-year adjusted EBITDA | FY2021 | $28.00M – $31.00M | New |
| Nov 10, 2021 | adjusted EBITDA | Q4 FY2021 | $2.00M – $5.00M | New |
| Nov 10, 2021 | full-year adjusted net revenue | FY2021 | $1.00B – $1.01B | New |
| Nov 10, 2021 | adjusted net revenue | Q4 FY2021 | $272.00M – $282.00M | New |
Read from the company's earnings releases; each figure links to its sentence on hover. “Raised” and “Lowered” compare with the previous range for the same metric and period.
Press releases
Releases SoFi Technologies filed with the SEC as exhibits to Form 8-K or 6-K
- Results
- Results
- Results
- Results
- News
- News
- Results
- News
- News
- Results
- Results
- Results
- Update
- Results
- Results