Official SoFi Plus brand artwork
SoFi logoSOFI / NASDAQ / Digital banking & financial services

SOFI

One app. A deeper relationship.

Members, deposits and cross-buy grow together. Credit quality and returns on capital are the next tests as SoFi expands beyond lending.

Company imagery
SOFI Overview
HOW SOFI MAKES MONEY

ONE APP. THREE REVENUE ENGINES.

SoFi earns from lending, everyday financial services, and technology that powers other financial businesses.

01 / Lending

Borrow.

People borrowing money

Interest, loan sales & servicing
$724.8MSegment net revenue
02 / Financial Services

Manage.

People managing everyday money

Interest, payments & partner-loan fees
$466.3MSegment net revenue
03 / Technology Platform

Power.

Financial businesses building products

Banking & payment technology fees
$84.5MSegment net revenue
THE REVENUE MIXQ2 2026 · USD · Share of segment total
$1.276BSegments−$56.9MCorporate / Other=$1.219BCompany net revenue
Explore the business Q2 2026 · USD

Lending

Personal, student and home loans. Interest is measured after funding costs; reported revenue also reflects loan valuations.

Financial Services

Banking, investing and partner lending generate interest and fees. Loan Platform activity crosses segment boundaries.

Technology Platform

Infrastructure for other financial businesses. Segment revenue includes internal fees that are removed in consolidation.

Reported segment net revenue, before Corporate/Other. Not shares of consolidated revenue. Corporate/Other includes intercompany eliminations. Illustrations are conceptual. Updated 2026-07-29 · Period ended 2026-06-30.

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LATEST RESULTS

THE QUARTER, IN FOCUS.

Official SoFi Plus brand artwork
LATEST EARNINGS

THE QUARTER. AT A GLANCE.

Q2 2026 · Jul 29, 2026

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NEXT EARNINGSOct 27, 2026Estimated · Company confirmation pending

Beat both estimatesvs analyst estimates
Adjusted net revenueBeat
ACTUAL$1.206B
vs
ESTIMATE$1.115B
+$90.7M (+8.1%)Non-GAAP net revenue
Adjusted EPSBeat
ACTUAL$0.12
vs
ESTIMATE$0.11
+$0.01 (+9.1%)Non-GAAP diluted EPS

THE BUSINESS, OVER TIME.

Explore financials
Net revenue · FY2025$3.61B
+35.1% vs previous year

Net revenue increased across the last 3 years.

3.6B1.8B0.0B$2.12BFY2023$2.67BFY2024$3.61BFY2025
Select a period to inspectUSD · Reported · Retrieved Sep 15, 2026

Bank revenue is net of interest expense. Equity replaces industrial free cash flow.

LOOKING AHEAD

REVENUE EXPECTATIONS

Estimated annual revenue · FY2028$7.50B
2.1× FY2025 revenue
7.5B3.8B0.0B$3.61BFY2025$4.88BFY2026E$6.04BFY2027E$7.50BFY2028E
ReportedAnalyst estimate
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USD · Estimates are not guidance · Snapshot Sep 15, 2026

RATINGS & TARGETS

THE ANALYST VIEW

37%

10 of 27 analysts rate it BuyStrong Buy ratings included

10 Buy13 Hold4 Sell
Analyst price targets$21.58 average
$16 low$29 high$17.07 quote

Quote Sep 15, 2026 · Targets reflect analyst opinions.

See ratings & target changes

Snapshot · Sep 15, 2026

INSTITUTIONAL HOLDINGS · FORM 13F

HOW POSITIONS CHANGED.

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Opened or increased526reported positions

Reporting period
Jun 30, 2026

Reduced or closed374reported positions
New positions130
Increased396
Reduced259
Closed positions115

Changes in reported share holdings, not transaction dates or money flows.
Snapshot Sep 15, 2026 · Compared with prior reported holdings.

Insiders, Congress & institutions