SoFi Technologies (SOFI) beat expectations in Q2 FY2026 on revenue of $1.2B versus the $1.1B estimate (+39.1% YoY) and EPS of $0.12. The next SoFi Technologies (SOFI) earnings date is Oct 27, 2026. Below is the full SoFi Technologies earnings breakdown — the risk-adjusted verdict, price forecast, technicals, options and hedge-fund 13F holdings, decoded in plain English.
$1.2B (vs $1.1B est · +8.1% surprise · +39.1% YoY)
EPS
$0.12 (vs $0.11 est · +9.1% surprise · +36.5% YoY)
Share price
$18.24 (-3.5%)
Market cap
$23.4B
SoFi Technologies (SOFI) Earnings Analysis — beat / miss history
Quarter
Revenue
EPS
EPS surprise
Next-day move
Verdict
Q3 FY2026
$1.2B vs $1.1B est
$0.12 vs $0.11 est
+9.1%
-1.6%
Beat
Q2 FY2026
$1.1B vs $1.0B est
$0.12 vs $0.12 est
+0.8%
-12.3%
Mixed
Q1 FY2026
$1.0B vs $977.4M est
$0.13 vs $0.12 est
+12.7%
-9.4%
Beat
Q4 FY2025
$961.6M vs $888.9M est
$0.11 vs $0.08 est
+32.0%
+3.0%
Beat
Q3 FY2025
$854.9M vs $804.2M est
$0.08 vs $0.06 est
+30.3%
+4.0%
Beat
Q2 FY2025
$771.8M vs $739.0M est
$0.06 vs $0.03 est
+84.0%
-5.2%
Beat
Q1 FY2025
$739.1M vs $674.6M est
$0.29 vs $0.04 est
+625.0%
-9.8%
Beat
Q4 FY2024
$693.8M vs $631.6M est
$0.05 vs $0.04 est
+16.3%
+0.3%
Beat
Top institutional holders
Holder
% outstanding
Shares
Value
QoQ change
Blackrock, INC.
5.7%
72.4M
$1.3B
+4.2%
Vanguard Capital Management LLC
4.5%
57.9M
$1.0B
+1.4%
Vanguard Portfolio Management LLC
4.0%
50.7M
$909.8M
-0.5%
Susquehanna International Group, Llp
3.8%
49.0M
$878.2M
-10.3%
Jane Street Group, LLC
2.8%
35.5M
$636.8M
-31.1%
Goldman Sachs Group INC
2.8%
35.2M
$631.3M
+180.9%
Ubs Group Ag
2.8%
35.2M
$630.6M
-3.4%
State Street Corp
2.3%
28.8M
$515.7M
+5.3%
Susquehanna International Group, Llp
2.0%
25.8M
$463.4M
-6.1%
Geode Capital Management, LLC
1.8%
23.4M
$417.6M
-10.1%
Recent insider transactions
Insider
Role
Date
Type
Shares
Value
Keough Kelli
officer: EVP, GBUL, SIPS
2026-08-20
Sell
11K
$203184
Schuppenhauer Eric
officer: EVP GBUL Borrow
2026-08-17
Sell
56K
—
Schuppenhauer Eric
officer: EVP GBUL Borrow
2026-08-17
Buy
56K
—
Schuppenhauer Eric
officer: EVP GBUL Borrow
2026-08-18
Sell
24K
$427007
Pinto Arun
officer: Chief Risk Officer
2026-08-17
Sell
45K
—
Pinto Arun
officer: Chief Risk Officer
2026-08-17
Buy
45K
—
Pinto Arun
officer: Chief Risk Officer
2026-08-18
Sell
25K
$452174
HUTTON GEORGE THOMPSON
director
2026-07-14
Buy
14K
—
What you'll find
Next SoFi Technologies (SOFI) earnings date, the expected move and the estimates priced in
A clear Beat / Miss / In-line / Mixed verdict the moment SoFi Technologies reports
Revenue & EPS versus estimates, guidance and segment trends
Multi-lens price forecast — analyst, quant, technical and options views
Deep research: red flags, risk decoder and earnings-call sentiment
Technicals, options / implied volatility and unusual-activity signals
Hedge-fund and legendary-investor 13F holdings in SoFi Technologies (SOFI)
Side-by-side peer and historical earnings comparison
Frequently asked questions
When is SoFi Technologies's next earnings date?
SoFi Technologies's (SOFI) next scheduled earnings date is Oct 27, 2026. Magnisto shows the confirmed date, the options-implied expected move and the revenue and EPS estimates Wall Street is modeling into the report.
Did SoFi Technologies (SOFI) beat or miss earnings?
In Q2 FY2026, SoFi Technologies (SOFI) posted beat results — revenue of $1.2B versus the $1.1B estimate (+8.1% surprise) and EPS of $0.12 versus $0.11 expected (+9.1% surprise). Magnisto decodes every SoFi Technologies (SOFI) report into a clear Beat, Miss, In-line or Mixed verdict and checks whether guidance was raised, held or cut.
How often does SoFi Technologies beat earnings estimates?
Over its last 8 reported quarters, SoFi Technologies (SOFI) beat Wall Street EPS estimates 7 times, most recently a beat result in Q3 FY2026. Magnisto tracks every SoFi Technologies (SOFI) quarter's revenue and EPS versus consensus and grades each one Beat, Miss, In-line or Mixed at a unified ±2% threshold.
How much does SoFi Technologies stock move after earnings?
Over its last 8 quarterly reports, SoFi Technologies (SOFI) moved an average of ±5.7% the day after earnings — ranging from -12.3% (Q2 FY2026) to +4.0% (Q3 FY2025). The stock rose after 3 of those 8 reports and fell after 5. Heading into its next report on Oct 27, 2026, options-implied volatility is pricing in a move of roughly ±30.2% (derived). Magnisto tracks the realized post-earnings move for every SoFi Technologies (SOFI) quarter alongside the beat/miss verdict — past moves don't predict the next one.
Who are the largest shareholders of SoFi Technologies?
Institutions hold about 54.0% of SoFi Technologies's (SOFI) shares outstanding as of the 2026-06-30 13F quarter. Its largest institutional holders include Blackrock, INC. (5.7%), Vanguard Capital Management LLC (4.5%), Vanguard Portfolio Management LLC (4.0%). Magnisto lists SoFi Technologies's (SOFI) top 13F holders with each stake size and its quarter-over-quarter change.
Are insiders buying or selling SoFi Technologies (SOFI)?
In the most recent Form 4 filings Magnisto tracks, SoFi Technologies (SOFI) insiders recorded 7 purchases and 5 sales — net buying. Insider transactions are one signal among many and are often routine (option exercises or scheduled 10b5-1 sales), so Magnisto shows the raw feed for you to judge.
What is the forecast for SoFi Technologies (SOFI) stock?
Magnisto blends analyst price targets, quantitative research, technical trend and options-implied moves into a scenario range for SoFi Technologies (SOFI), anchored to the current $18.24 share price, so you can weigh the bull, base and bear cases for SoFi Technologies side by side.
Is SoFi Technologies (SOFI) a buy right now?
Magnisto does not give buy or sell tips. It gives you the institutional-grade evidence — the verdict, valuation, risks, technicals and hedge-fund 13F flows — so you can decide whether SoFi Technologies fits your own thesis and risk profile. This is research, not investment advice.