SOFI earnings
Analysis, not adviceThis print
29 Jul 2026Q2 FY26graded 29 Jul 2026
cons 0.11 EPS / 1.11B rev
Next scheduled print 27 Oct 2026. Nothing on this page is about that print yet.
What the desk tested
Explicit conditions that would change the desk’s view, graded against the transcript below.
Bull condition triggered: Revenue beats $1.11B with operating margin expansion above 11% TTM — confirming the fixed-cost leverage thesis is intact and the earnings ramp can continue closing the gap be…
Bull condition triggered: Tech Platform segment returns to flat or positive YoY GAAP growth for the first time in multiple quarters — this is the single most underappreciated re-rating lever; a flip h…
＋3 more criteria on the deskfree trial · no cardFrom the desk's pre-read · 29 Jul 2026
SoFi Technologies (SOFI) is scheduled to report Q2 2026 earnings on 2026-07-29; consensus stands at EPS $0.12 · Revenue $1.11B.
＋1 more — the full pre-read is on the deskfree trial · no cardThe desk's graded verdict
intactgraded 29 Jul 2026
PASSConsensus EPS & revenue clear
“Total net revenue $1,218,676 thousand... Earnings per share – diluted $0.12”
UNRESOLVEDCharge-off rate vs 3.5% floor
“Credit performance remained strong and in line with expectations”
Educational analysis, not a personalised recommendation. See all covered names on the earnings calendar · part of our public track record.