Business Segments · Net interest income (expense)
Lending — Net interest income (expense)
SoFi Technologies, Inc. Lending — Net interest income (expense) increased by 12.5% to $500.23M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 38.7%, from $360.62M to $500.23M. Over 4 years (FY 2021 to FY 2025), Lending — Net interest income (expense) shows an upward trend with a 66.8% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
StatementSegment
CategoryProfitability
SignalHigher is better
VolatilityModerate
First reportedQ1 2019
Last reportedQ1 2026
Rolls up toNet Interest Income
How to read this metric
An increase indicates improved net interest margins or a larger, more profitable loan portfolio.
Detailed definition
The difference between the interest income earned on loans and the interest expense paid on funding sources within the l...
Peer comparison
Standard net interest income reported by banks and financial institutions.
Metric ID:
sofi_segment_lending_net_interest_income_expenseHistorical Data
20 periods
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $56.82M | $72.26M | $77.25M | $94.35M | $114.00M | $139.52M | $183.61M | $201.05M | $231.89M | $265.22M | $262.63M | $266.54M | $279.21M | $316.27M | $345.21M | $360.62M | $372.68M | $427.97M | $444.76M | $500.23M |
| QoQ Change | — | +27.2% | +6.9% | +22.1% | +20.8% | +22.4% | +31.6% | +9.5% | +15.3% | +14.4% | -1.0% | +1.5% | +4.8% | +13.3% | +9.2% | +4.5% | +3.3% | +14.8% | +3.9% | +12.5% |
| YoY Change | — | — | — | — | +100.6% | +93.1% | +137.7% | +113.1% | +103.4% | +90.1% | +43.0% | +32.6% | +20.4% | +19.2% | +31.4% | +35.3% | +33.5% | +35.3% | +28.8% | +38.7% |
Range$56.82M – $500.23M
CAGR+58.1%
Avg YoY Growth+59.8%
Median YoY Growth+37.0%
Current Streak9 quarters growth
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Frequently Asked Questions
- What is SoFi Technologies, Inc.'s lending — net interest income (expense)?
- SoFi Technologies, Inc. (SOFI) reported lending — net interest income (expense) of $500.23M in Q1 2026.
- How has SoFi Technologies, Inc.'s lending — net interest income (expense) changed year-over-year?
- SoFi Technologies, Inc.'s lending — net interest income (expense) increased by 38.7% year-over-year, from $360.62M to $500.23M.
- What is the long-term trend for SoFi Technologies, Inc.'s lending — net interest income (expense)?
- Over 4 years (2021 to 2025), SoFi Technologies, Inc.'s lending — net interest income (expense) has grown at a 66.8% compound annual growth rate (CAGR), from $207.58M to $1.61B.
- What does lending — net interest income (expense) mean?
- The net profit generated from the interest spread on loans.