SoFi Technologies, Inc. (SOFI) quarterly income statement — complete revenue, gross profit & net income history
SoFi Technologies, Inc. (SOFI) annual income statement — 8-year revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Net Interest Income | 929.45M | 788.2M | 692.99M | 617.28M | 585.11M | 517.84M | 498.73M | 470.17M | 431.01M | 412.58M | 402.72M | 389.64M | 344.96M | 291.13M | 236.01M | 208.58M | 157.85M | 122.73M | 94.93M | 76.58M |
| NII Growth % | 58.85% | 52.21% | 38.95% | 31.29% | 35.75% | 25.51% | 23.84% | 20.67% | 24.94% | 41.72% | 70.64% | 86.8% | 118.54% | 137.21% | 148.61% | 172.38% | 118.1% | 119.11% | 100.79% | 97.25% |
| Net Interest Margin % | 1.37% | 1.29% | 1.29% | 1.22% | 1.29% | 1.26% | 1.32% | 1.3% | 1.25% | 1.26% | 1.29% | 1.3% | 1.23% | 1.14% | 1.05% | 1.1% | 1% | 0.97% | 0.78% | 0.83% |
| Interest Income | 1.34B | 1.14B | 1B | 927.42M | 891.56M | 792.4M | 763.81M | 743.94M | 723.37M | 674.6M | 665.91M | 645.24M | 564.27M | 470M | 371.56M | 307.41M | 198.04M | 149.51M | 118.41M | 94.78M |
| Interest Expense | 413.71M | 352.33M | 308.01M | 310.14M | 306.45M | 274.57M | 265.09M | 273.77M | 292.36M | 262.01M | 263.19M | 255.6M | 219.31M | 178.87M | 135.55M | 98.82M | 40.19M | 26.78M | 23.48M | 18.21M |
| Loan Loss Provision | 14.74M | 13.76M | 8.89M | 5.41M | 9.2M | 10.04M | 5.68M | 6.88M | 6.01M | 11.64M | 7.18M | 12.09M | 21.83M | 12.62M | 8.41M | 14.95M | 16.32M | 10.1M | 12.96M | 4.69M |
| Non-Interest Income | 455.65M | 430.47M | 407.38M | 407.77M | 376.49M | 337.11M | 273.03M | 263.96M | 262.79M | 186.03M | 183.08M | 211.19M | 192.25M | 206.89M | 236.15M | 248.09M | 266.13M | 239.8M | 235.41M | 209.03M |
| Non-Interest Income % | 32.9% | 35.32% | 37.02% | 39.78% | 39.15% | 39.43% | 35.38% | 35.96% | 37.88% | 31.08% | 31.25% | 35.15% | 35.79% | 41.54% | 50.01% | 54.33% | 62.77% | 66.15% | 71.26% | 73.19% |
| Total Net Revenue | 1.39B | 1.22B | 1.1B | 1.03B | 961.6M | 854.94M | 771.76M | 734.13M | 693.8M | 598.62M | 585.8M | 600.83M | 537.21M | 498.02M | 472.16M | 456.68M | 423.99M | 362.53M | 330.34M | 285.61M |
| Revenue Growth % | 44.04% | 42.54% | 42.58% | 39.63% | 38.6% | 42.82% | 31.74% | 22.19% | 29.15% | 20.2% | 24.07% | 31.57% | 26.7% | 37.37% | 42.93% | 59.9% | 55.87% | 56.75% | 68.56% | 66.54% |
| Non-Interest Expense | 1.05B | 1B | 891.92M | 834.31M | 803.85M | 732.72M | 686.3M | 667.32M | 623.93M | 571.64M | 484.39M | 537.58M | 782.31M | 534.73M | 499.81M | 480.68M | 482.11M | 448.14M | 426.99M | 390.38M |
| Efficiency Ratio | 75.99% | 82.11% | 81.06% | 81.39% | 83.6% | 85.7% | 88.93% | 90.9% | 89.93% | 95.49% | 82.69% | 89.47% | 145.62% | 107.37% | 105.86% | 105.26% | 113.71% | 123.62% | 129.26% | 136.68% |
| Operating Income | 317.83M | 204.31M | 199.55M | 185.33M | 148.55M | 112.19M | 79.78M | 59.92M | 63.85M | 15.34M | 94.23M | 51.16M | -266.93M | -49.33M | -36.06M | -38.95M | -74.45M | -95.72M | -109.61M | -109.45M |
| Operating Margin % | 22.95% | 16.76% | 18.14% | 18.08% | 15.45% | 13.12% | 10.34% | 8.16% | 9.2% | 2.56% | 16.08% | 8.51% | -49.69% | -9.91% | -7.64% | -8.53% | -17.56% | -26.4% | -33.18% | -38.32% |
| Operating Income Growth % | 113.95% | 82.11% | 150.12% | 209.28% | 132.64% | 631.37% | -15.33% | 17.14% | 123.92% | 131.1% | 361.31% | 231.35% | -258.53% | 48.46% | 67.1% | 64.42% | -149.28% | 42.13% | 37.89% | -25% |
| Pretax Income | 317.83M | 204.31M | 199.55M | 185.33M | 148.55M | 112.19M | 79.78M | 59.92M | 63.85M | 15.34M | 94.23M | 51.16M | -266.93M | -49.33M | -36.06M | -38.95M | -74.45M | -95.72M | -109.61M | -109.45M |
| Pretax Margin % | 22.95% | 16.76% | 18.14% | 18.08% | 15.45% | 13.12% | 10.34% | 8.16% | 9.2% | 2.56% | 16.08% | 8.51% | -49.69% | -9.91% | -7.64% | -8.53% | -17.56% | -26.4% | -33.18% | -38.32% |
| Income Tax | 76.84M | 47.72M | 32.82M | 11.78M | 9.16M | 14.93M | 8.67M | -272.55M | 3.11M | -2.06M | 6.18M | 3.25M | -244K | -1.78M | -1.64M | 1.06M | -242K | 119K | 752K | 1.56M |
| Effective Tax Rate % | 24.18% | 23.36% | 16.45% | 6.36% | 6.17% | 13.31% | 10.86% | -454.82% | 4.87% | -13.46% | 6.56% | 6.34% | 0.09% | 3.61% | 4.54% | -2.71% | 0.33% | -0.12% | -0.69% | -1.42% |
| Net Income | 240.99M | 156.59M | 166.73M | 173.55M | 139.39M | 97.26M | 71.12M | 332.47M | 60.74M | 17.4M | 88.04M | 47.91M | -266.68M | -47.55M | -34.42M | -40.01M | -74.21M | -95.83M | -110.36M | -111.01M |
| Net Margin % | 17.4% | 12.85% | 15.15% | 16.93% | 14.5% | 11.38% | 9.21% | 45.29% | 8.76% | 2.91% | 15.03% | 7.97% | -49.64% | -9.55% | -7.29% | -8.76% | -17.5% | -26.44% | -33.41% | -38.87% |
| Net Income Growth % | 72.89% | 61% | 134.45% | -47.8% | 129.47% | 458.85% | -19.23% | 593.91% | 122.78% | 136.6% | 355.78% | 219.76% | -259.37% | 50.38% | 68.81% | 63.96% | -146.98% | 42.03% | 37.85% | -34.37% |
| Net Income (Continuing) | 240.99M | 156.59M | 166.73M | 173.55M | 139.39M | 97.26M | 71.12M | 332.47M | 60.74M | 17.4M | 88.04M | 47.91M | -266.68M | -47.55M | -34.42M | -40.01M | -74.21M | -95.83M | -110.36M | -111.01M |
| EPS (Diluted) | 0.18 | 0.12 | 0.12 | 0.13 | 0.11 | 0.08 | 0.06 | 0.30 | 0.05 | 0.01 | 0.02 | 0.04 | -0.29 | -0.06 | -0.05 | -0.05 | -0.09 | -0.12 | -0.14 | -0.15 |
| EPS Growth % | 63.64% | 45.45% | 100% | -56.67% | 109.13% | - | 177.78% | 719.67% | 118.14% | 112.5% | 143.2% | 167.28% | -222.22% | 50% | 64.29% | 63.73% | -80% | 75% | 91.33% | 91.91% |
| EPS (Basic) | 0.19 | 0.12 | 0.13 | 0.14 | 0.12 | 0.09 | 0.06 | 0.32 | 0.05 | 0.01 | 0.08 | 0.04 | -0.29 | -0.06 | -0.05 | -0.05 | -0.09 | -0.12 | -0.14 | -0.15 |
| Diluted Shares Outstanding | 1.36B | 1.35B | 1.38B | 1.35B | 1.29B | 1.18B | 1.19B | 1.15B | 1.1B | 1.07B | 1.04B | 1.03B | 951.18M | 936.57M | 929.27M | 922.94M | 916.76M | 910.05M | 852.85M | 814.51M |