Companies · SOFI
SoFi Technologies
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Latest analysis
Updated Nov 5, 2026
SoFi Q3 2026: Total net revenue surges 44% YoY to $1.4B as loan originations hit $16.9B and deposit base reaches $51.3B
SoFi delivered its strongest quarter on record, with Q3 2026 total net revenue of $1.385 billion, net income of $241 million (up 73% YoY), and adjusted EBITDA margin expanding to 34% from 29% in the prior year period. The Lending segment is the primary engine: $16.9 billion of origination volume in the quarter alone (up 71% YoY) funded by $51.3 billion in deposits, with net charge-off ratios improving YoY across personal and student loans. The single most material new development is SoFiUSD stablecoin regulation: the GENIUS Act and OCC final rule require SoFi to transition its stablecoin issuance to an approved subsidiary by January 18, 2027, creating a live regulatory execution risk that did not exist in prior filings.
Tone: bullishRevenue
$3.6B
SOFI 10-K · FY 2025
Employees
6,100
Revenue growth YoY
+35%
Founded
2011
Profile
SOFI 10-K Item 1 · Feb 17, 2026SoFi Technologies is a digitally native, member-centric financial services platform founded in 2011 that operates as a bank holding company through SoFi Bank, a nationally chartered association. The company offers an integrated suite of lending, financial services and technology platform products designed to help members borrow, save, spend, invest and protect their money across a single mobile application. Its Technology Platform segment also serves financial institutions, government entities and non-financial enterprises primarily in North America and Latin America.
Read filing description ↓ Collapse description ↑
We are a mission driven company designed to help our members achieve financial independence in order to realize their ambitions. To us, financial independence does not mean being wealthy, but rather represents the ability of our members to have the financial means to achieve their personal objectives at each stage of life, such as owning a home, having a family, or having a career of their choice — more simply stated, to have enough money to do what they want. We were founded in 2011 and have developed a suite of financial products that offers the speed, selection, content and convenience that only an integrated digital platform can provide. In order for us to achieve our mission, we have to help people get their money right, which means providing them with the ability to borrow better, save better, spend better, invest better and protect better. Everything we do today is geared toward helping our members 'Get Your Money Right' and we strive to innovate and build ways for our members to achieve this goal. In order to help achieve our mission, we are a member-centric, one-stop shop for financial services that, through our Lending and Financial Services products, allows members to borrow, save, spend, invest and protect their money. We offer personal loans, student loans, home loans and related servicing and offer a variety of financial services products, such as SoFi Money, SoFi Credit Card, SoFi Crypto, SoFi Invest and SoFi Relay, that provide more daily interactions with our members, as well as products and capabilities, such as SoFi At Work, that are designed to appeal to enterprises. Our Technology Platform supports innovation for a broad range of enterprises, with offerings that give clients the ability to create, launch and run financial products. SoFi Technologies is a bank holding company, and SoFi Bank is a nationally chartered association.
Primary products
- Personal Loans
- Student Loans
- Home Loans
- SoFi Money
- SoFi Credit Card
- SoFi Invest
Business segments
End markets
Geographies
Named customers
“We believe that our member-centric, one-stop shop for financial services serves as a competitive differentiator for us relative to other financial services providers.” Competitive position, as stated in the filing
Revenue commentary · FY 2025
Total net revenue increased 35% year-over-year to $3.6 billion in 2025, driven by a 29% rise in net interest income and a 45% rise in total noninterest income, with Financial Services segment revenue growing 88%.
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Analysis, signals, diligence answers, M&A activity and every quote, each citing the filing it came from.