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SoFi Technologies, Inc. SOFI Q1 2026 earnings

Reported April 29, 2026 · Before market open

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

Next report

Oct 27, 2026 (in 2 months)
Revenue estimate$1.3B
EPS estimate$0.17

Financials

Q1 2026

Income statement

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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 03/31/26
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Market cap$20.25B+58.8%
Enterprise value$18.4B+39.7%
P/E35.1×+8.6×
P/S5.1×+0.6×

Profitability

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

Returns & leverage

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

Segments

By product

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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

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

FAQ

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 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 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.