SoFi Technologies, Inc.
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SOFI Q1 2026 request
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Pick an endpoint and run the request.Income Statement
| Metric | Q1 2026 | Q1 2025 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases | 932,184 | 712,876 | +30.8% |
| Interest Income Other | 68,812 | 50,936 | +35.1% |
| Interest Income Operating | 1,000,996 | 763,812 | +31.1% |
| Interest Expense Securitizations And Warehouses | 10,051 | 28,144 | -64.3% |
| Interest Expense Deposits | 287,229 | 225,399 | +27.4% |
| Interest Expense Corporate Borrowings | 10,651 | 11,428 | -6.8% |
| Interest Expense Other | 77 | 115 | -33.0% |
| Interest Expense Operating | 308,008 | 265,086 | +16.2% |
| Interest Income Expense Net | 692,988 | 498,726 | +39.0% |
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| Financial Services · Operating Segments | 227,740 | 173,199 | +31.5% |
| Lending · Operating Segments | 500,231 | 360,621 | +38.7% |
| Technology Platform · Operating Segments | 355 | 413 | -14.0% |
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| Corporate Non Segment | -35,338 | -35,507 | +0.5% |
| Operating Segments | 728,326 | 534,233 | +36.3% |
| Noninterest Income Loan Origination Sales Securitizations And Servicing | 142,209 | 52,805 | +169.3% |
| Revenue From Contract With Customer Excluding Assessed Tax Technology Products And Solutions | 49,351 | 86,437 | -42.9% |
| Noninterest Income Loan Platform Fees | 138,255 | 92,750 | +49.1% |
| Crypto Transactions Revenue Gross | 121,593 | — | — |
| Crypto Transactions Revenue Cost Of Revenue | -120,741 | — | — |
| Crypto Transaction Revenue Net | 852 | — | — |
| Noninterest Income Other | 76,713 | 41,041 | +86.9% |
| Noninterest Income | 407,380 | 273,033 | +49.2% |
Show Business Segments breakouts |
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| Financial Services · Operating Segments | 200,803 | 129,920 | +54.6% |
| Lending · Operating Segments | 142,189 | 52,752 | +169.5% |
| Technology Platform · Operating Segments | 74,731 | 103,014 | -27.5% |
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| Operating Segments | 417,723 | 285,686 | +46.2% |
| Revenues Net Of Interest Expense | 1,100,368 | 771,759 | +42.6% |
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| Financial Services · Operating Segments | 428,543 | 303,119 | +41.4% |
| Lending · Operating Segments | 642,420 | 413,373 | +55.4% |
| Technology Platform · Operating Segments | 75,086 | 103,427 | -27.4% |
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| Corporate Non Segment | -45,681 | -48,160 | +5.1% |
| Operating Segments | 1,146,049 | 819,919 | +39.8% |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal | 8,895 | 5,678 | +56.7% |
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| Financial Services · Operating Segments | 8,890 | 5,639 | +57.7% |
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| Operating Segments | 8,890 | 5,639 | +57.7% |
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| Commercial and consumer banking: | 389 | -141 | +375.9% |
| Credit card · Credit Card Receivables | 8,506 | 5,819 | +46.2% |
| Research & Development | 187,675 | 156,206 | +20.1% |
| Sales & Marketing | 335,539 | 238,176 | +40.9% |
| Cost of Revenue | 171,123 | 135,520 | +26.3% |
| General & Administrative | 197,584 | 156,397 | +26.3% |
| Noninterest Expense | 891,921 | 686,299 | +30.0% |
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| Corporate Non Segment | 10,343 | 12,653 | -18.3% |
| Income Before Taxes | 199,552 | 79,782 | +150.1% |
| Income Tax Expense (Benefit) | -32,821 | -8,666 | -278.7% |
| Net Income | 166,731 | 71,116 | +134.4% |
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| Retained Earnings | 166,731 | 71,116 | +134.4% |
| Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent | -12,948 | 11,462 | -213.0% |
| Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent | -774 | -269 | -187.7% |
| Other Comprehensive Income | -13,722 | 11,193 | -222.6% |
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| Accumulated Net Unrealized Investment Gain Loss | -12,948 | 11,462 | -213.0% |
| Accumulated Other Comprehensive Income | -13,722 | 11,193 | -222.6% |
| Accumulated Translation Adjustment | -774 | -269 | -187.7% |
| Comprehensive Income | 153,009 | 82,309 | +85.9% |
| EPS (Basic) | 0.13 | 0.06 | +116.7% |
| EPS (Diluted) | 0.12 | 0.06 | +100.0% |
| Wtd Avg Shares (Basic) | 1,276,328 | 1,097,994 | +16.2% |
| Wtd Avg Shares (Diluted) | 1,378,011 | 1,185,466 | +16.2% |
| Revenue | 129,504 | 140,382 | -7.7% |
Show Product Lines breakouts |
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| Brokerage · Financial Services | 15,104 | 6,985 | +116.2% |
| Financial Service Other · Financial Services | 5,972 | 1,731 | +245.0% |
| Interchange · Financial Services | 35,201 | 22,812 | +54.3% |
| Net crypto transaction revenue · Financial Services | 852 | — | — |
| Other · Technology Platform | 558 | 636 | -12.3% |
| Referrals, loan platform business · Financial Services | 19,277 | 19,700 | -2.1% |
| Referrals, other · Financial Services | 3,756 | 2,530 | +48.5% |
| Technology services · Technology Platform | 48,784 | 85,988 | -43.3% |
Show Business Segments breakouts |
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| Financial Services | 80,162 | 53,758 | +49.1% |
| Technology Platform | 49,342 | 86,624 | -43.0% |
| Other Expenses (Q) | — | — | — |
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| Financial Services · Operating Segments | -29,419 | -16,263 | -80.9% |
| Lending · Operating Segments | -9,431 | -8,051 | -17.1% |
| Technology Platform · Operating Segments | -3,168 | -4,506 | +29.7% |
| Professional Fees (Q) | — | — | — |
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| Financial Services · Operating Segments | -9,649 | -7,257 | -33.0% |
| Lending · Operating Segments | -3,861 | -2,235 | -72.8% |
| Technology Platform · Operating Segments | -4,311 | -2,670 | -61.5% |
| Labor And Related Expense | 329,727 | 268,606 | +22.8% |
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| Financial Services · Operating Segments | 57,425 | 42,479 | +35.2% |
| Lending · Operating Segments | 52,249 | 35,889 | +45.6% |
| Technology Platform · Operating Segments | 46,090 | 44,486 | +3.6% |
| Occupancy Net | 9,968 | 8,120 | +22.8% |
| Net Income Loss Available To Common Stockholders Basic | 166,731 | 71,116 | +134.4% |
Balance Sheet
| Metric | Q1 2026 | Q1 2025 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 3,401,020 | 2,085,697 | +63.1% |
| Non-Current Assets | |||
| Goodwill | 1,393,505 | 1,393,505 | 0.0% |
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| Financial Services | 37,159 | 37,159 | 0.0% |
| Lending | 17,688 | 17,688 | 0.0% |
| Technology Platform | 1,338,658 | 1,338,658 | 0.0% |
| Operating Lease Right-of-Use Assets | 88,856 | 77,841 | +14.2% |
| Total Assets | 53,698,258 | 37,749,286 | +42.2% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Primary Beneficiary | 64,142 | 146,271 | -56.1% |
| Other Assets | |||
| Restricted Cash And Cash Equivalents | 360,231 | 630,439 | -42.9% |
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| Variable Interest Entity Primary Beneficiary | 2,051 | 8,899 | -77.0% |
| Other Investments | 3,231,227 | — | — |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level1 · Fair Value Measurements Recurring | 221,588 | — | — |
| Fair Value Inputs Level2 · Fair Value Measurements Recurring | 2,972,022 | — | — |
| Fair Value Inputs Level3 · Fair Value Measurements Recurring | 37,617 | — | — |
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| Estimate Of Fair Value Fair Value Disclosure · Fair Value Measurements Recurring | 3,231,227 | — | — |
| Loans Receivable Held For Sale Amount | 25,454,796 | 18,226,063 | +39.7% |
| Financing Receivable Held For Investment At Fair Value | 15,336,820 | 9,571,457 | +60.2% |
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| Variable Interest Entity Primary Beneficiary | 62,091 | 77,227 | -19.6% |
| Variable Interest Entity Primary Beneficiary · Student Loans | 62,091 | 77,227 | -19.6% |
Show Financing Receivable Portfolio breakouts |
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| Student Loans · Student Loan | 15,336,820 | 9,571,457 | +60.2% |
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 1,381,174 | — | — |
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| Variable Interest Entity Not Primary Beneficiary · Secured loans | 741,266 | — | — |
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| Commercial and consumer banking: | 174,437 | — | — |
| Commercial and consumer banking: · Commercial and industrial | 3,988 | — | — |
| Commercial and consumer banking: · Commercial Real Estate | 157,926 | — | — |
| Commercial and consumer banking: · Residential real estate and other consumer | 12,523 | — | — |
| Credit card · Credit Card Receivables | 465,471 | — | — |
| Secured loans | 741,266 | — | — |
Show Other Commitments breakouts |
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| Funded Loan | 7.9 | — | — |
| Servicing Asset At Fair Value Amount | 367,902 | — | — |
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| Fair Value Inputs Level3 · Fair Value Measurements Recurring | 367,902 | — | — |
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| Variable Interest Entity Not Primary Beneficiary | 60,771 | — | — |
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| Estimate Of Fair Value Fair Value Disclosure · Fair Value Measurements Recurring | 367,902 | — | — |
| Property Plant And Equipment And Finance Lease Right Of Use Asset After Accumulated Depreciation And Amortization | 448,488 | 316,599 | +41.7% |
| Intangible Assets Net Excluding Goodwill | 215,087 | 279,757 | -23.1% |
| Other Assets | 2,019,152 | 1,328,279 | +52.0% |
| Current Liabilities | |||
| Deferred Revenue (Current) | 7,599 | 5,458 | +39.2% |
| Non-Current Liabilities | |||
| Accounts Payable And Accrued Liabilities Current And Noncurrent | 729,265 | 674,385 | +8.1% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Primary Beneficiary | 8 | 21 | -61.9% |
| Total Liabilities | 42,886,667 | 31,070,772 | +38.0% |
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| Variable Interest Entity Primary Beneficiary | 51,416 | 64,355 | -20.1% |
| Long-Term Debt (Q) | — | — | — |
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| Convertible senior notes, due 2026 · Convertible Debt | 427 | 425.2 | +0.4% |
| Convertible senior notes, due 2029 · Convertible Debt | 849.6 | 845.3 | +0.5% |
| Debt with Scheduled Payments | 1,776,522 | 1,776,522 | 0.0% |
| Other Liabilities | |||
| Interest Bearing Deposit Liabilities | 40,119,699 | 27,136,167 | +47.8% |
| Noninterest Bearing Deposit Liabilities | 122,998 | 120,361 | +2.2% |
| Deposits | 40,242,697 | 27,256,528 | +47.6% |
| Operating Lease Liability | 100,707 | 93,135 | +8.1% |
| Debt Longterm And Shortterm Combined Amount | 1,813,481 | 3,046,145 | -40.5% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Primary Beneficiary | 50,891 | 63,755 | -20.2% |
| Beneficial Interest | 517 | — | — |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level3 · Fair Value Measurements Recurring | 517 | — | — |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Primary Beneficiary | 517 | — | — |
Show Fair Value By Measurement Basis breakouts |
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| Estimate Of Fair Value Fair Value Disclosure · Fair Value Measurements Recurring | 517 | — | — |
| Stockholders' Equity | |||
| Common Stock | 127 | 110 | +15.5% |
| Additional Paid-In Capital | 11,471,754 | 7,910,058 | +45.0% |
| Accumulated Other Comprehensive Income | -2,743 | 2,828 | -197.0% |
| Retained Earnings | -657,547 | -1,234,482 | +46.7% |
| Total Stockholders' Equity | 10,811,591 | 6,678,514 | +61.9% |
Show Equity Components breakouts |
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| Accumulated Net Unrealized Investment Gain Loss | -2,608 | 2,103 | -224.0% |
| Accumulated Other Comprehensive Income | -2,743 | 2,828 | -197.0% |
| Accumulated Translation Adjustment | -135 | 725 | -118.6% |
| Additional Paid In Capital | 11,471,754 | 7,910,058 | +45.0% |
| Common Stock | 127 | 110 | +15.5% |
| Retained Earnings | -657,547 | -1,234,482 | +46.7% |
| Total Liabilities & Equity | 53,698,258 | 37,749,286 | +42.2% |
Cash Flow Statement
| Metric | YTD Q1 2026 | YTD Q1 2025 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Stock-Based Compensation | 72,012 | 63,756 | +12.9% |
| Depreciation & Amortization | 67,578 | 55,283 | +22.2% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 67,578 | 55,283 | +22.2% |
| Amortization Of Financing Costs And Discounts | 2,898 | 2,443 | +18.6% |
| Deferred Income Taxes | 28,897 | 8,794 | +228.6% |
| Fair Value Adjustment Of Financing Receivable Held For Investment At Fair Value | -39,715 | -98,987 | +59.9% |
| Fair Value Adjustment Of Securitization Of Loans | -220 | -884 | +75.1% |
| Other Non-Cash Items | -3,402 | 3,878 | -187.7% |
| Increase Decrease In Loans Held For Sale | -2,661,367 | -586,098 | -354.1% |
| Increase Decrease Accrued Interest On Loans | -24,317 | -3,108 | -682.4% |
| Increase Decrease In Financing Receivable Held For Sale Previously | 227,274 | 233,198 | -2.5% |
| Increase Decrease In Servicing Assets From Securitization | 10,275 | -47,652 | +121.6% |
| Increase Decrease In Other Operating Assets | -136,682 | 213,066 | -164.2% |
| Increase Decrease In Other Operating Liabilities | -33,851 | 101,019 | -133.5% |
| Net Cash from Operations | -2,314,994 | 21,502 | -10866.4% |
| Investing Activities | |||
| Payments To Acquire Productive Assets | -67,551 | -52,604 | -28.4% |
| Capitalized Computer Software Period Increase Decrease | -1,226 | -1,644 | +25.4% |
| Purchases of Investments | -1,379,614 | -338,795 | -307.2% |
| Proceeds From Sale Of Available For Sale Securities Debt | 605,815 | — | — |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 167,321 | 120,123 | +39.3% |
| Payments To Acquire Loans Held For Investment | -86,908 | -200,069 | +56.6% |
| Increase Decrease In Financing Receivables After Allowance For Credit Loss | -1,649,112 | -961,388 | -71.5% |
| Proceeds From Receipts From Securitization Investments | 24,135 | 11,525 | +109.4% |
| Proceeds From Sale And Maturity Of Other Investments | 956 | 2,294 | -58.3% |
| Payments To Acquire Other Investments | -8,150 | -19,662 | +58.5% |
| Net Cash from Investing | -2,394,334 | -1,440,220 | -66.2% |
| Deposits Credited But Not Yet Obtained In Cash | 451,808 | 268,064 | +68.5% |
| Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount | 13,333 | 12,712 | +4.9% |
| Financing Activities | |||
| Increase Decrease In Deposits | 3,034,493 | 1,480,574 | +105.0% |
| Proceeds From Issuance Of Common Stock | 87,387 | — | — |
| Payments Of Stock Issuance Costs | -115 | — | — |
| Repayments Of Other Long Term Debt | -3,204 | -17,987 | +82.2% |
| Debt Issuance Costs | -250 | -300 | +16.7% |
| Tax Withholding for Share Compensation | -5,895 | -5,592 | -5.4% |
| Proceeds From Stock Options Exercised | 2,366 | 195 | +1113.3% |
| Finance Lease Principal Payments | -202 | -175 | -15.4% |
| Net Cash from Financing | 3,114,580 | 1,425,763 | +118.5% |
| Amortization of Financing Costs (Q) | — | — | — |
Show Debt Instrument breakouts |
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| Convertible senior notes, due 2029 · Convertible Debt | 1.1 | 1.1 | 0.0% |
| Other Cash Flow | |||
| Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | -774 | -269 | -187.7% |
| Net Change in Cash | -1,595,522 | 6,776 | -23646.7% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 3,761,251 | 2,716,136 | +38.5% |
Values in thousands USD. Source: SEC EDGAR 10-Q filing.