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SoFi Technologies, Inc. SOFI Lending — Net interest income (expense)

Other segment segments

Financial Services
$227.74M+31.5%
Technology Platform
$355K-14.0%

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Other financials

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

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Market cap$23B+26.2%
Enterprise value$21.15B+8.5%
P/E39.9×+7.4×
P/S5.8×-0.1×

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×
Current ratio0.2×

Where this comes from

Reported directly by SoFi Technologies, Inc. in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The official record: SoFi Technologies, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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 difference between the interest income earned on loans and the interest expense paid on funding sources within the lending business segment. This metric reflects the core profitability of the lending portfolio's spread between assets and liabilities.