OpenNashEarnings

Financial Technology · Nasdaq: SOFI

SoFi Technologies earnings: results, call transcripts & KPI history

2 quarters · fiscal year ends December · next results expected around 29 Jan 2027

Investor relations ↗SEC filings ↗KPIs as CSV

Latest: Q3 2026

SoFi reported record net revenue of $1.4 Billion and net income of $241 Million for the third quarter, with Adjusted EBITDA up 70% to a record $470 million and $0.18 EPS, and raised full-year guidance.

SoFi's third quarter net revenue rose 44% to a record $1.4 billion, and net income reached $241.0 million, or $0.18 per diluted share. Members grew 35% to 17.1 million and products grew 44% to 26.7 million. Record loan originations of $16.9 billion drove lending growth. Adjusted EBITDA rose 70% to $469.8 million, a 34% margin, and credit stayed in line with expectations.

Read the Q3 2026 summary →Q3 2026 slides (PDF) ↗Official transcript (PDF) ↗

Quarters

KPI history

Revenue$163.4M+4.2% y/yQ3 2026
Q4 2024: $135.5M (worked out from the annual figure)Q4 ’24$135.5MQ1 2025: $140.4MQ1 ’25$140.4MQ2 2025: $151.9MQ2 ’25$151.9MQ3 2025: $156.8MQ3 ’25$156.8MQ4 2025: $170.3M (worked out from the annual figure)Q4 ’25$170.3MQ1 2026: $129.5MQ1 ’26$129.5MQ2 2026: $153.6MQ2 ’26$153.6MQ3 2026: $163.4MQ3 ’26$163.4M

Fourth quarter worked out from the annual figure.

Data
Q4 2024$135.5M *
Q1 2025$140.4M
Q2 2025$151.9M
Q3 2025$156.8M
Q4 2025$170.3M *
Q1 2026$129.5M
Q2 2026$153.6M
Q3 2026$163.4M
Diluted EPS (GAAP)$0.18+63.6% y/yQ3 2026
Q1 2025: $0.06Q1 ’25$0.06Q2 2025: $0.08Q2 ’25$0.08Q3 2025: $0.11Q3 ’25$0.11Q1 2026: $0.12Q1 ’26$0.12Q2 2026: $0.12Q2 ’26$0.12Q3 2026: $0.18Q3 ’26$0.18
Data
Q1 2025$0.06
Q2 2025$0.08
Q3 2025$0.11
Q1 2026$0.12
Q2 2026$0.12
Q3 2026$0.18

Fourth-quarter EPS appears once the press release is read; filings report it only for the full year.

Free cash flow-$4.0B−160.5% y/yQ2 2026
Q4 2024: -$242.4MQ4 ’24-$242.4MQ1 2025: -$31.1MQ1 ’25-$31.1MQ2 2025: -$1.5BQ2 ’25-$1.5BQ3 2025: -$1.4BQ3 ’25-$1.4BQ4 2025: -$1.1BQ4 ’25-$1.1BQ1 2026: -$2.4BQ1 ’26-$2.4BQ2 2026: -$4.0BQ2 ’26-$4.0B
Data
Q4 2024-$242.4M
Q1 2025-$31.1M
Q2 2025-$1.5B
Q3 2025-$1.4B
Q4 2025-$1.1B
Q1 2026-$2.4B
Q2 2026-$4.0B

Operating cash flow minus capital expenditure, from cash flow statements.

Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026Q3 2026
Revenue$135.5Md$140.4M$151.9M$156.8M$170.3Md$129.5M$153.6M$163.4M
Net income$332.5Md$71.1M$97.3M$139.4M$173.5Md$166.7M$156.6M$241.0M
Diluted EPS—$0.06$0.08$0.11—$0.12$0.12$0.18
Operating cash flow-$200.1Md$21.5M-$1.5Bd-$1.3Bd-$991.2Md-$2.3B-$3.9Bd-$3.0Bd
Capital expenditure$42.3Md$52.6M$63.5Md$60.0Md$66.4Md$67.6M$96.6Md—
Free cash flow-$242.4M-$31.1M-$1.5B-$1.4B-$1.1B-$2.4B-$4.0B—
R&D expense$149.0Md$156.2M$152.1M$167.1M$172.8Md$187.7M$191.3M$197.7M

From XBRL data in 10-Q and 10-K filings. d derived: a fourth quarter is the full year minus the first nine months, and cash flows are year-to-date figures differenced.

10-Q and 10-K filings