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Sentiment · FY2026 Q2
As of FY2026 Q1, the Tellvest earnings-call sentiment score for SoFi Technologies, Inc. (SOFI) is 9/10.
SoFi accelerated into 2026, with first-quarter adjusted net revenue up 41% to $1.1 billion, ahead of expectations, and a Rule of 40 score of 72. GAAP diluted EPS was $0.12 (net income $167 million, up 2.3x year over year), while record adjusted EBITDA of $340 million (up 62% at a 31% margin) and operating income up 150% reflected continued operating leverage. Lending drove the quarter with a record $12.2 billion of total originations, including record personal ($8.3 billion), student ($2.6 billion) and home ($1.2 billion) volume, and SoFi disclosed that roughly $1.1 billion of cash revenue nearly equaled reported revenue. The Technology Platform segment was the soft spot, with net revenue of $75 million down on the exit of a large customer (about 12% like-for-like growth), and the overall home-lending market remained stagnant. Management reaffirmed full-year 2026 guidance despite adopting a no-rate-cut assumption, and guided Q2 to roughly 30% revenue growth with EPS of $0.10-$0.11 on seasonal costs.
Scored from SoFi Technologies, Inc.’s FY2026 Q1 earnings call. The newest quarter is available with Tellvest Pro.
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Op margin | Net margin |
|---|---|---|---|---|---|---|
| FY2024 Q4 | $1.01B | +17.7% | $0.30 | +719.7% | 5.9% | 33.0% |
| FY2025 Q1 | $1.04B | +22.1% | $0.06 | +177.8% | 7.7% | 6.9% |
| FY2025 Q2 | $1.13B | +31.2% | $0.08 | — | 9.9% | 8.6% |
| FY2025 Q3 | $1.27B | +28.6% | $0.11 | +109.1% | 11.7% | 11.0% |
| FY2025 Q4 | $1.34B | +32.5% | $0.13 | -56.7% | 13.9% | 13.0% |
| FY2026 Q1 | $1.41B | +35.8% | $0.12 | +100.0% | 14.2% | 11.8% |
| FY2026 Q2 | $1.57B | +39.1% | $0.12 | +45.5% | 13.0% | 10.0% |