The raised guidance and accelerating cross-buy (51%) signal strong operating momentum. Traders should watch for continued execution on member growth and credit quality; the stock may re-rate higher if the trend sustains. Monitor the Q3 earnings call for updates on the new SoFi Tech Solutions brand and Loan Platform Business expansion.
Price Chart
Executive Summary
SoFi reported a record Q2 2026 with GAAP net revenue of $1.22B (+43% YoY) and GAAP diluted EPS of $0.12, beating consensus estimates of $0.11. The company raised its full-year 2026 adjusted net revenue guidance to $4.75B-$4.85B (from ~$4.655B), driven by record loan originations of $14.8B and accelerating cross-buy (51% of new products from existing members). The strong beat and raised guidance signal accelerating momentum and durable growth, making this a bullish catalyst for the stock.
Key Financial Metrics
Key Facts
- GAAP net revenue of $1.22B, up 43% YoY, a record
- GAAP diluted EPS of $0.12, beating consensus of $0.11 by 9.1%
- Adjusted net revenue of $1.21B, up 40% YoY, a record
- Adjusted EBITDA of $357.8M, up 44% YoY, a record
- Total loan originations of $14.8B, a record, up 69% YoY
- Members grew 35% YoY to 15.8M; products grew 42% YoY to 24.4M
- Cross-buy accelerated to 51% of new products from existing members
- Full-year 2026 adjusted net revenue guidance raised to $4.75B-$4.85B
- Personal loan annualized net charge-off rate improved to 2.62% from 2.83% YoY
Financial Impact
Record revenue of $1.22B (+43% YoY), EPS beat of 9.1%, and raised full-year guidance by ~$100M-$200M
Risk Factors
- Macroeconomic headwinds could pressure loan demand and credit performance
- Technology Platform segment revenue continues to decline YoY (-23%) due to client transition
- Elevated sales and marketing spend (+48% YoY) may pressure margins if growth decelerates
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001818874-26-000050 |
| Document: sofi-20260729.htm | 0001818874-26-000050 |
| Document: 0001818874-26-000050-index-headers.html | 0001818874-26-000050 |
| Document: 0001818874-26-000050-index.html | 0001818874-26-000050 |
| Document: 0001818874-26-000050.txt | 0001818874-26-000050 |
| 8-K Data (Synthetic) | 0001818874-26-000050 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 15, 2026 16d ago | 144 | $16.84 $16.97 | ▲ +0.77% | ▼ −2.06% | $15.81 (−6.15%) |
Jul 29, 2026 9w ago | 8-K | $15.25 $18.25 | ▲ +19.67% | ▲ +14.14% | $15.81 (+3.64%) |
Jun 24, 2026 14w ago | Insider Cluster | $17.31 $18.44 | ▲ +6.53% | ▲ +4.82% | $15.81 (−8.69%) |
Jun 18, 2026 15w ago | 144 | $17.91 $17.30 | ▼ −3.41% | ▼ −1.74% | $15.81 (−11.75%) |
Jun 17, 2026 15w ago | Insider Cluster | $17.91 $17.30 | ▼ −3.41% | ▼ −1.74% | $15.81 (−11.75%) |
Jun 16, 2026 15w ago | 144 | $17.42 $17.31 | ▼ −0.63% | ▲ +0.41% | $15.81 (−9.27%) |
Jun 11, 2026 16w ago | Institutional Cluster | $16.67 $17.42 | ▲ +4.50% | ▲ +4.07% | $15.81 (−5.19%) |
Jun 10, 2026 16w ago | 144 | $16.67 $17.42 | ▲ +4.50% | ▲ +4.07% | $15.81 (−5.19%) |
May 28, 2026 18w ago | Court Ruling | $16.97 $16.68 | ▼ −1.71% | ▼ −1.66% | $15.81 (−6.87%) |
Apr 29, 2026 22w ago | 8-K | $15.53 $16.02 | ▲ +3.19% | ▲ +0.08% | $15.81 (+1.80%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Try SecBot Free Coming soon: SecBot Pro with alerts, watchlists, and API access