SoFi reports record Q2: $1.2B revenue (+40% YoY), raises FY guidance to $4.75B–$4.85B

Filed July 29, 2026 · Period ending July 29, 2026 · ~1 min read

Key Changes

• high

  Q2 adjusted net revenue hit $1.2B (+40% YoY), adjusted EBITDA $358M (+44%), GAAP net income $156.6M ($0.12 EPS). 19th consecutive quarter meeting Rule of 40 with score of 70 (40% revenue growth + 30% EBITDA margin).

  Exhibit 99.1 view on EDGAR →
• high

  Raised FY 2026 adjusted net revenue guidance to $4.75B–$4.85B (32%–35% YoY growth). Maintained adjusted EBITDA at ~$1.6B (33%–34% margin), adjusted net income ~$825M (17% margin), adjusted EPS ~$0.60.

  Exhibit 99.1 view on EDGAR →
• high

  Record $14.8B loan originations (+$2.6B QoQ): $10.7B personal loans (including $3.1B for third parties), $2.7B student loans (record), $1.4B home loans. Personal loan net charge-off rate ~3.7% (down 70 bps QoQ, 80 bps YoY).

  Exhibit 99.1 view on EDGAR →