SOFI earnings
Analysis, not adviceNext print
2026-07-29
cons 0.12 EPS / 1.11B rev
What the desk is testing
Explicit conditions that would change the desk's view — graded after the call.
Bull condition triggered: Member growth prints ≥30% YoY AND operating margin expands sequentially from 11% (confirming the leverage trajectory toward 18%) AND NIM holds above 5.4% — together these con
Bull condition triggered: Tech Platform GAAP YoY turns materially less negative (e.g., narrows to –5% or better), signaling the deconversion drag is lapping — this would unlock a segment-level re-rati
＋3 more criteria on the deskfree trial · no cardFrom the desk's pre-read
SOFI is scheduled to print Q2 2026 earnings on 2026-07-29; consensus stands at EPS $0.12 · Revenue $1.11B (FMP).
＋1 more — the full pre-read is on the deskfree trial · no cardEducational analysis, not a personalised recommendation. See all covered names on the earnings calendar · part of our public track record.