SoFi Technologies Inc (SOFI)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$18.22-1.57%
Close 2026-09-04 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · SOFI
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks SOFI against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 3 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 60% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Deliver adjusted net revenue of approximately $4.75 billion to $4.85 billion in fiscal year 2026, targeting 32% to 35% annual growth.
Stated as a priority in 2 of last 2 quarters. Adjusted net revenue grew 41% year-over-year to $1.087 billion in 2026-Q1 and 40% year-over-year to $1.206 billion in 2026-Q2. Management raised 2026 full-year guidance to $4.75 billion to $4.85 billion, implying 32% to 35% growth. The trajectory is delivering consistent strong growth aligned with guidance.
“Management now expects to deliver adjusted net revenue of approximately $4.75 billion to $4.85 billion which implies approximately 32% to 35% annual adjusted net revenue growth year-over-year.”
“management expects to deliver adjusted net revenue of approximately $4.655 billion which implies approximately 30% annual revenue growth.”
Target adjusted net income of approximately $825 million for fiscal year 2026, aiming for an adjusted net income margin around 17-18%.
Stated as a priority in 2 of last 2 quarters. Adjusted net income grew 134% year-over-year to $167 million in 2026-Q1 and 65% year-over-year to $160 million in 2026-Q2. Management maintains a full-year adjusted net income target of approximately $825 million with margin guidance near 17-18%. The trajectory shows strong growth but full-year delivery remains to be seen.
Deliver adjusted earnings per share of approximately 60 cents for fiscal year 2026.
Stated as a priority in 2 of last 2 quarters. Adjusted EPS doubled year-over-year to $0.12 in 2026-Q1 and remained at $0.12 in 2026-Q2. Management maintains a full-year adjusted EPS target of approximately 60 cents per share. The trajectory shows consistent quarterly EPS growth aligned with the annual target.
Continue to grow total members and products with record additions and increasing products per member.
Grow total loan originations across personal, student, home loans and expand Loan Platform Business partnerships.
Stated as a priority in 2 of last 2 quarters. Total loan originations increased from $12.2 billion in 2026-Q1 to $14.8 billion in 2026-Q2, driven by record personal, student, and home loan originations. Loan Platform Business originations also grew, supporting diversification. The trajectory is delivering strong growth and platform expansion.
Over the trailing year it converted -4.82x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
10 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.
“Management continues to expect adjusted net income of approximately $825 million, which equates to a margin of approximately 17%, and adjusted EPS of approximately 60 cents per share.”
“Management expects adjusted net income of approximately $825 million, which equates to a margin of approximately 18%.”
“Management continues to expect adjusted EPS of approximately 60 cents per share.”
“Management expects adjusted EPS of approximately 60 cents per share.”
“Total loan originations at a record $14.8 billion, up more than $2.6 billion from the prior quarter, including record originations across Personal Loans, Student Loans and Home Loans.”
“Total Loan Originations at a record $12.2 billion, up nearly $1.7 billion from last quarter with record performance across all three lending segments.”