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What changed this year
Twelve months to 2026年6月30日, 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 themes it is part of
Highest-graded in Credit Services
Graded A or B and worth $2B or more: A first, then the largest.
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SEZLSezzle Inc.US$5.2BA+
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.2026年11月4日CAGraded C, now A
HSBCHsbc Holdings plc2026年10月27日CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2026年11月2日BAGraded B, now A
WFCWells Fargo & Company2026年10月13日BAGraded B, now A
CMECME Group Inc.2026年10月21日BAGraded B, now A
怎么赚钱
- Lending57%
- Financial Services37%
- Technology Platform7%
各项收入占比是对quarter ended June 30, 2026的估算，并非来自已提交报告的数字。
竞争对手
- LCLendingClub
- FIFiserv
卖什么6
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.
再显示 3 项
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.
谁在买5
- 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.
再显示 2 项
- 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.
靠什么支撑，什么会击垮它
业务依赖什么
- 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.
可能出什么问题
- 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.
关于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).
- 总部
- San Francisco, California
- 成立于
- 2011
- 上市于
- Nasdaq
- 财年结束
- December 31
基于 SoFi Technologies, Inc. 自己向美国证券交易委员会（SEC）提交的申报文件。数字如实呈报，每股历史已重述到今天的股数口径。 这是对一门生意的描述——不是投资建议，也不是买卖任何证券的推荐。