기업 정보 불러오는 중
What changed this year
Twelve months to 2026년 6월 30일, against the year before
Revenue grew, net margin narrowed as taxes weighed against a prior-year tax benefit, and cash stayed level despite more negative free cash flow.
RevenueRising
+40.8%
Sales growth on the year before
ProfitabilityFalling
14.8%
Profit margin, from 18.4%
CashLittle changed
-US$8.8B
Free cash flow, from -US$3B
Revenue growth was linked to lending activity and financial-services fees, while the exit of a Technology Platform client offset some growth. Net margin narrowed despite higher gross margin and lower R&D and SG&A shares; the tax comparison explains part, but not all, of that movement. Cash remained broadly steady even as free cash flow worsened, and the supplied filing discussion does not explain the operating cash-flow or financing movements. The excerpts do not establish a specific cash-flow cause shared with the revenue drivers.
The full breakdown — every reason in the company’s own words, how revenue, profit and cash connect, and what to watch next — comes with Pro.
Read from SoFi Technologies, Inc.’s own filings by AI. Every reason is quoted from the company; the figures are computed from its filings. Written in English. A description of what happened, not a forecast.
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The themes it is part of
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Graded A or B and worth $2B or more: A first, then the largest.
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Grade rose recently in Financials
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
BLKBlackRock, Inc.2026년 11월 4일CAGraded C, now A
HSBCHsbc Holdings plc2026년 10월 27일CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2026년 11월 2일BAGraded B, now A
WFCWells Fargo & Company2026년 10월 13일BAGraded B, now A
CMECME Group Inc.2026년 10월 21일BAGraded B, now A
어떻게 돈을 버는가
- Lending57%
- Financial Services37%
- Technology Platform7%
매출 비중은 quarter ended June 30, 2026 기준 추정치이며, 제출된 보고서의 수치가 아닙니다.
경쟁 상대
무엇을 파는가6
Personal loans
Fixed-rate loans for expenses such as paying off other debt or home improvements; SoFi may keep the loans or sell them.
Student loans
Loans for people attending school and loans that refinance existing student debt.
Home loans and home equity credit
Mortgages for buying or refinancing a home, home equity loans and a home equity line of credit that lets eligible homeowners borrow against their home over time.
3개 더 보기
SoFi Checking and Savings
Bank accounts for receiving, spending and saving money through SoFi Bank.
SoFi Invest
A brokerage and investing service for buying and selling investments, as well as managed investment accounts.
Technology Platform
Banking, payment and loan-management technology that other financial institutions and businesses can use to run their financial products.
누가 사는가5
- Individuals who apply through SoFi for personal, student or home loans.
- People who open SoFi Bank checking and savings accounts or use its credit card.
- People who use SoFi Invest, SoFi Crypto or other financial services in the SoFi app.
2개 더 보기
- Financial institutions, government entities and other businesses that pay to use SoFi’s technology services.
- Lending partners that use SoFi to originate or service loans, or receive referrals to potential borrowers.
무엇에 기대고 있고, 무엇이 무너뜨릴 수 있는가
사업이 기대고 있는 것
- 1SoFi uses customer deposits, warehouse financing and its own capital to fund loans; it says deposits can provide a source of loan funding.
- 2It sells loans to a concentrated number of whole-loan purchasers and originates some loans for a concentrated number of Loan Platform Business partners.
- 3Its Galileo and Technisys technology businesses depend on a small number of clients, and the 10-Q reports that a large client had left the platform before the end of 2025.
- 4It relies on outside providers for some functions, including direct servicing of student loans and certain home loans.
- 5Its bank, lending, brokerage, payment and digital asset activities are subject to government supervision, licensing and consumer-protection requirements.
잘못될 수 있는 일
- 1If borrowers miss payments or loan values fall, SoFi could face losses on loans it holds, and loan buyers, funding providers or investors could become less willing to finance or purchase its loans.
- 2The company says losing important loan purchasers, Loan Platform Business partners or technology clients could harm results; its 10-Q attributes lower Technology Platform revenue and client accounts partly to a large client leaving.
- 3As a regulated bank and financial services company, SoFi could face costs, penalties or limits on its activities if it fails to meet legal or regulatory requirements; its newer crypto and payment services also face changing rules and operational risks.
SoFi Technologies, Inc. 소개
SoFi serves people through a mobile app and also sells financial technology services to businesses and public institutions. Its lending business makes personal, student and home loans; its financial services business includes checking and savings accounts, investing and digital asset trading. Businesses can pay to use SoFi’s banking and payment technology. SoFi reported 15,814,418 members (June 30, 2026, high confidence) and 24,380,974 products (June 30, 2026, high confidence).
- 본사
- San Francisco, California
- 설립
- 2011
- 상장 시장
- Nasdaq
- 회계연도 종료
- December 31
SoFi Technologies, Inc.이(가) 미국 증권거래위원회(SEC)에 직접 제출한 공시로 만들었습니다. 수치는 보고된 그대로이며, 주당 이력은 오늘의 주식 수 기준으로 재계산했습니다. 이것은 사업을 설명하는 자료입니다. 투자 자문이 아니며 어떤 매수나 매도도 권유하지 않습니다.