SoFi Technologies, Inc.

SOFI · Nasdaq · ·

Vergelijken

US$ 16,26-0,6%slot 11 nov

Cijfers tot en met 30 september 2026, uit de 10-Q ingediend op 5 november 2026

1W: +0,3%
1M: +6,7%

Aandeel SoFi Technologies, Inc. (SOFI) — is dit een goed bedrijf? — InspectStocks

SoFi Technologies, Inc.

SOFI · Nasdaq · ·

Vergelijken

US$ 16,26-0,6%slot 11 nov

Cijfers tot en met 30 september 2026, uit de 10-Q ingediend op 5 november 2026

1W: +0,3%
1M: +6,7%

Just reported

Q3 2026 results

From SoFi Technologies's results release of 27 oktober 2026; its quarterly report has since been filed.

Revenue
Actual
US$ 1,39B
+44% y/y
+14% q/q
Guided
—
No guide given
EPS, GAAP
Actual
US$ 0,18
+64% y/y
+50% q/q
Guided
—
No guide given

Company outlook

Full year 2026

What changed this year

Twelve months to 30 juni 2026, 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.

Keep exploring

The themes SoFi Technologies is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.

The theme it is part of

Samengesteld
Fintech & online brokers
Door InspectStocks · 17 companies
App-based brokers, crypto exchanges and online lenders.
Koers, 1 jaar
-23,8%
Omzet, 1 jaar
+16,7%
+11
A 8B 6D 3

Highest-graded in Credit Services

Graded A or B and worth $2B or more: A first, then the largest.

All 51 graded companies in its industry

Grade rose recently in Financials

Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.

All grade rises

Hoe het geld verdient

Lending57%
Financial Services37%
Technology Platform7%

De omzetaandelen zijn schattingen voor quarter ended June 30, 2026, geen cijfers uit een ingediend rapport.

Concurreert met

LCLendingClub
UPSTUpstart
D
Omvang
US$ 2B
Marge
4,9%
HOODRobinhood Markets
A
Omvang
US$ 77,1B
Marge
39,0%
ALLYAlly Financial
B
Omvang
US$ 11,5B
Marge
16,8%
FIFiserv

Wat het verkoopt6

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.

Nog 3 tonen

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.

Wie het koopt5

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.

Nog 2 tonen

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.

Waar het op steunt, en wat het kan breken

Waar het bedrijf van afhangt

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.

Wat er mis kan gaan

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.

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Over SoFi Technologies, Inc.

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).

Hoofdkantoor: San Francisco, California
Opgericht in: 2011
Genoteerd aan: Nasdaq
Einde boekjaar: December 31

Gebouwd uit de eigen deponeringen van SoFi Technologies, Inc. bij de Amerikaanse toezichthouder Securities and Exchange Commission (SEC). De cijfers zijn zoals gerapporteerd, met de historie per aandeel herrekend naar de huidige aandelenbasis. Dit beschrijft een bedrijf — het is geen beleggingsadvies en geen aanbeveling om iets te kopen of te verkopen.

Just reported