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Sentiment · FY2026 Q2
| 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% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Andrew Jeffrey | William Blair | 7 (14%) |
| Dan Dolev | Mizuho Securities | 7 (43%) |
| Kyle Peterson | Needham |
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.
Revenue Growth | Capital Allocation | Credit | Margin | Competitive Dynamics | Macroeconomic | Guidance Reliability | Cloud & AI | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 3 | 3 | 3 | 3 | 1 | 1 | 1 | |
| 2025Q1 | 3 | 2 | 3 | 1 | 3 | 1 | ||
| 2025Q2 | 3 | 3 | 4 | 2 | 1 | 1 | ||
| 2025Q3 | 2 | 3 | 3 | 1 | 3 | 2 | ||
| 2025Q4 | 4 | 6 | 2 | 2 | 2 | 1 | 2 | |
| 2026Q1 | 4 | 2 | 2 | 1 | 1 | 1 | 2 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 3 | 3 | 3 | 2 | 4 | 4 |
| Capital Allocation | 3 | 2 | 3 | 3 | 6 | 2 |
| Credit | 3 | 3 | 3 | 2 | 2 | |
| Margin | 3 | 1 | 4 | 1 | 2 | 1 |
| Competitive Dynamics | 1 | 2 | 3 | 2 | 1 | |
| Macroeconomic | 1 | 3 | 2 | 1 | ||
| Guidance Reliability | 1 | 1 | 1 | 2 | ||
| Cloud & AI | 1 | 1 | 2 | 1 |
| John Hecht | Jefferies | 6 (17%) |
| Peter Christiansen | Citigroup | 5 (40%) |
| Reggie Smith | JPMorgan | 5 (0%) |
| Devin Ryan | Citizens JMP Securities | 5 (0%) |
| Kyle Joseph | Stephens | 4 (0%) |
| Moshe Orenbuch | TD Cowen | 3 (0%) |
| Will Nance | Goldman Sachs | 2 (50%) |
| Firm | Analysts | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| William Blair | 1 | 7 (14%) |
| Mizuho Securities | 1 | 7 (43%) |
| Needham | 1 | 7 (14%) |
| Jefferies | 1 | 6 (17%) |
| Citigroup | 1 | 5 (40%) |
| Citizens JMP Securities | 1 | 5 (0%) |
| JPMorgan | 1 | 5 (0%) |
| Stephens | 1 | 4 (0%) |
What SOFI and other companies said about each other on FY2026 Q1 earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“We're launching with SoFI, it's SoFI Smart Card.”
Mastercard is launching its One credential with SoFi as the SoFi Smart Card.
“In September of that same year, we opportunistically sold the loan via a special purpose entity to JPMorgan.”
SoFi described opportunistically selling a senior secured loan to JPMorgan via a special-purpose entity in September 2024, with JPMorgan as the loan buyer.
“an important partnership with Mastercard to enable SoFiUSD settlement across their global payments network”
SoFi partnered with Mastercard to settle its SoFiUSD stablecoin across Mastercard's global payments network, a read-through on Mastercard integrating stablecoin rails.
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
SOFI SoFi Technologies, Inc. | 9 | +35.8% | |
| AFRM Affirm Holdings, Inc. | 10 | +32.6% | |
| AXP American Express Company | 8 | +10.3% | |
| COF Capital One | 6 | +44.2% | |
| KLAR Klarna Group plc | 8 | +51.3% | |
| MA Mastercard | 8 | +15.8% | |
| PYPL PayPal | 5 | +7.2% | |
| SYF Synchrony Financial | 8 | +16.6% | |
| V Visa Inc. | 9 | +17.1% |