NASDAQ$SOFI
SoFi Technologies Inc · Q1 2026 earnings
Q1 2026 earnings · · Before market open · Investor relations
Briefing
SoFi reported Q1 2026 total net revenue of $1.10B and net income of $166.7M, with diluted EPS of $0.12.
For the three months ended March 31, 2026, SoFi posted total net revenue of $1.10 billion, up 43% year over year from $772 million, driven by member growth and higher net interest income. Net income was $166.7 million versus $71.1 million a year ago; diluted EPS was $0.12. Total interest income rose to $1.00 billion while the company continued scaling lending, technology platforms, and deposit products.
- Total net revenue of $1.10B (+43% YoY); net income $166.7M versus $71.1M in Q1 2025.
- Diluted EPS $0.12; member and product growth supported higher net interest income.
- Loan platform and technology revenue lines expanded with continued deposit gathering.
- Credit costs and funding mix remain key variables as the balance sheet grows.
- Management highlights GAAP profitability while investing in new product verticals.
Headline financials
Revenue & EPS history
SoFi · Revenue · Quarterly
$1.1B
Revenue by segment
SoFi · $557M total across 3 segments · Q3 2023
- Lending$349M+15.7%62.6%
- Financial Services$118M+141.6%21.2%
- Technology Platform$89.9M+6.1%16.1%
Forward guidance
The 10-Q does not provide numeric consolidated annual EPS guidance for SOFI. Management commentary in MD&A covers costs, capital, and sector-specific risks.
Tailwinds
- Management discusses operational priorities and liquidity in the quarterly filing.
- Segment or product trends are disclosed where applicable to the business model.
Headwinds
- Macro, input-cost, and interest-rate exposure can affect near-term results.
- One-time items, impairments, or fair-value marks may distort quarterly comparability.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q1 2026
+0.3%
Avg return
Earnings day
-2.3%
Avg return
5 days after
-4.2%
Avg return
30 days after
54%
13 / 24 earnings
Positive
+29.4%
Q2 2022
Best reaction
-21.3%
Q1 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -1.4% | -11.8% | -0.7% | |
| Q4 2025 | -2.1% | -14.8% | -27.1% | |
| Q3 2025 | +3.7% | -1.1% | -5.0% | |
| Q1 2025 | +0.5% | -3.8% | -0.2% | |
| Q4 2024 | -10.3% | -11.9% | -19.3% | |
| Q3 2024 | +0.3% | -1.3% | +44.1% | |
| Q2 2024 | +2.9% | -9.3% | +9.5% | |
| Q1 2024 | -13.9% | -11.6% | -13.0% | |
| Q4 2023 | +10.2% | +3.4% | +16.3% | |
| Q3 2023 | +9.9% | +16.6% | +7.0% | |
| Q2 2023 | +8.4% | -0.5% | -8.5% | |
| Q1 2023 | -21.3% | -17.2% | +11.4% | |
| Q4 2022 | +16.7% | +25.6% | +8.4% | |
| Q3 2022 | -5.9% | -4.8% | -12.9% | |
| Q2 2022 | +29.4% | +25.2% | -8.0% | |
| Q1 2022 | -8.0% | +13.1% | +2.3% | |
| Q4 2021 | +1.1% | -12.7% | -17.5% | |
| Q4 2019 | +1.1% | -12.7% | -17.5% | |
| Q3 2020 | -4.8% | -10.5% | -33.4% | |
| Q3 2021 | +3.7% | +3.5% | -32.2% | |
| Q2 2020 | -8.3% | -6.3% | +3.1% | |
| Q2 2021 | -11.3% | -18.6% | -9.5% | |
| Q1 2021 | +7.5% | +7.3% | +14.0% | |
| Q4 2020 | -1.7% | -1.0% | -11.5% | |
| Q1 2020 | — | — | — |
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