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SoFi Technologies, Inc. SOFI Q1 2026 earnings

Reported April 29, 2026 · Before market open

Revenue$1.1BBeat by $39.5MDiluted EPS$0.12In line
Revenue estimate$1.0B
EPS estimate$0.12

Next report

Jul 29, 2026 (In 2 weeks)
Revenue estimate$1.1B
EPS estimate$0.11

Financials

Q1 2026

Income statement

See full
Revenue$1.1B+42.6%
Gross profit$929.2M+46.1%
Net income$166.7M+134%
EPS (diluted)$0.12+100%

Balance sheet

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Cash & equivalents$3.8B+38.5%
Total debt$1.9B-39.0%
Total equity$10.8B+61.9%
Total assets$53.7B+42.2%

Cash flow

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Operating cash flow-$2.3B-10,866%
CapEx$67.6M+28.4%
Free cash flow-$2.4B-7,560%

Valuation & ratios

Valuation

as of 07/09/26
See full
Market cap$22.74B+58.8%
Enterprise value$20.9B+39.7%
P/E39.4×+9.7×
P/S5.8×+0.7×

Profitability

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Gross margin83.6%+1.4pp
Net margin14.6%-2.6pp
FCF margin-160.7%-834pp

Returns & leverage

See full
Return on equity6.6%-1.1pp
Debt / equity0.2×-0.3×

Segments

By product

See full
Technology services$48.8M-43.3%
Interchange$35.2M+54.3%
Referrals, loan platform business$19.3M-2.1%
Brokerage$15.1M+116%
Other$6.0M+245%

By segment

See full
Lending$642.4M+55.4%
Financial Services$80.2M+49.1%
Technology Platform$49.3M-43.0%

Versus estimates

Revenue

Q1 2026$1.1BBeat by $39.5M
Q4 2025$1.0BBeat by $35.4MQ3 2025$961.6MBeat by $72.7MQ2 2025$854.9MBeat by $50.7MQ1 2025$771.8MBeat by $32.8MQ4 2024$734.1MBeat by $23.8M

Diluted EPS

Q1 2026$0.12In line
Q4 2025$0.13Beat by $0.01Q3 2025$0.11Beat by $0.03Q2 2025$0.08Beat by $0.02Q1 2025$0.06Beat by $0.03Q4 2024$0.05Beat by $0.01

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Questions, answered.

When did SoFi Technologies, Inc. report Q1 2026 earnings?
SoFi Technologies, Inc. (SOFI) reported Q1 2026 earnings on April 29, 2026 before market open.
What were SoFi Technologies, Inc.'s Q1 2026 revenue and EPS?
SoFi Technologies, Inc. reported revenue of $1.1B and diluted EPS of $0.12 for Q1 2026.
Did SoFi Technologies, Inc. beat estimates in Q1 2026?
Revenue beat the consensus estimate of $1.0B by $39.5M. EPS beat the consensus estimate of $0.12 by $0.00.
How did SoFi Technologies, Inc.'s Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 40.9% from $771.8M a year earlier and diluted EPS grew 100.0% from $0.06.
Where can I find SoFi Technologies, Inc.'s Q1 2026 SEC filings?
You can read the 8-K earnings release (0001818874-26-000020) and the 10-Q periodic report (0001818874-26-000037) directly on SEC EDGAR. The filing index links above go to sec.gov.