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Just reported
From SoFi Technologies's results release of October 27, 2026; its quarterly report has since been filed.
Actual
$1.39B
+44% y/y
+14% q/q
Guided
—
No guide given
Actual
$0.18
+64% y/y
+50% q/q
Guided
—
No guide given
Full year 2026
Set against the company's own guidance and the same quarter a year earlier, not analysts' estimates, which we do not hold. Adjusted figures are the company's own non-GAAP measures, as stated in the release.
Twelve months to June 30, 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
-$8.8B
Free cash flow, from -$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. See what Pro includes
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.
Shares of revenue are estimates for quarter ended June 30, 2026, not figures from a filing.
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.
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.
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).
Built from SoFi Technologies, Inc.’s own filings with the U.S. Securities and Exchange Commission (SEC). Figures are as reported, with per-share history restated onto today’s share basis. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.
The themes SoFi Technologies is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.
Graded A or B and worth $2B or more: A first, then the largest.
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
SoFi offers consumer loans, bank accounts, investing services and financial technology for businesses.
Company outlook: revenue of about $5B for Fiscal year 2026 — up 39.5% on a year earlier
Grade A
The band under the price shows the grade on each date, built only from filings that were public by then.
Showing 2 of 20 quarters of SoFi Technologies, Inc.’s grade history. The other 18 go back to March 2022.
