SoFi Technologies, Inc. reports results on Tuesday 27 October, before the market opens. Sales are still rising, just more slowly than before. Revenue over the twelve months to Q2 2026 was $610.2 million, which rose 9.2% on the year before.
Source: reported quarterly EPS and aggregated third-party estimates. Historical surprises are context, not a forecast.
View chart data
| Period | Reported EPS | Analysts' estimate |
|---|---|---|
| Sep '25 | $0.10 | $0.08 |
| Dec '25 | $0.12 | $0.11 |
| Mar '26 | $0.12 | $0.12 |
| Jun '26 | $0.12 | $0.11 |
What analysts expect
For the quarter, the analysts’ average EPS estimate is $0.17, in a range from $0.16 to $0.18. The average revenue estimate for the quarter is $1.3 billion. At the same time, the analysts’ average estimate for full-year EPS is $0.59, which would be up 58.1% on last year (based on 23 analysts). That estimate has risen 0.1% over the past 90 days. Of the analysts’ recommendations, 10 are positive, 11 neutral and 4 negative.
Company guidance
In its latest earnings release, management set the full year adjusted EPS guidance at $60.00. In its latest earnings release, management set 2026 adjusted net revenue guidance at $4.8 billion to $4.8 billion.
Earnings surprise model
The model estimates EPS could land above the analysts’ average estimate by 4.6%. Its estimated chance of an EPS beat is 62.5%, based on the last 4 quarters. The model shrinks the median recent surprise toward zero and uses a neutral prior for beat frequency; this small sample is a reference estimate, not company guidance.
Track record against estimates
The company reported EPS above the analysts’ average estimate in 3 of the last 4 quarters. Last quarter, EPS of $0.12 compared with an estimate of $0.11, above it by 9.9%.
The trends going in
That growth rate was down 6.1 percentage points on the rate a quarter earlier. The trailing gross margin was negative, at −13.8%. At the same time, the trailing net margin was 104.3%. Net income over the twelve months was $636.3 million, which rose 13.3% on the year before.
Where the cash went
The share count is rising, so each share claims a smaller slice of the profit. The average diluted share count rose 15.1% over the year.
Against its own history
Set against the company’s own record: today’s twelve-month revenue growth rate of 9.2% is below every one of the company’s own past quarterly readings, which have ranged from 11.6% to 74.0%.
Questions this report will answer
Whether the slowdown in revenue growth continues. Whether results land above or below the analysts’ expectations set out above. Meanwhile, Whether margins hold at the trailing levels above. The next filing will show whether the trends above continue, slow or reverse.
