Equity Profile

SOFI

SoFi Technologies, Inc.

FinancialsConsumer Finance$23.8B

Jul28Tue

Pre-Earnings Brief

UpcomingQ2-2026Pre-Market9:00 AM EDT

Company Snapshot

SoFi Technologies, Inc. is a financial services company that offers a range of products including loans, investment services, and insurance....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

$0.12

User Growth

An increase in user growth can signal rising demand for SoFi's services and potential revenue growth.

N/A

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

SOFI Q2-2026 Earnings Preview

Context

Company Snapshot

SoFi Technologies, Inc. is a financial services company that offers a range of products including loans, investment services, and insurance. Operating in the consumer finance sector, SoFi aims to simplify financial management for its users, which is increasingly important as consumers seek more integrated financial solutions.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

100%

Avg EPS Surprise

+46.16%

Avg Stock Reaction

-3.08%

Last Quarter Recap

In Q1 2026, SoFi reported an EPS of $0.12, matching analyst expectations, which marked a slight surprise to the upside. However, the stock dropped by 15.44% the following day, indicating market concerns despite the earnings beat.

Management Promises & Guidance

Continued focus on expanding product offerings.
Commitment to improving user experience.
Plans to enhance marketing efforts to attract new customers.

Expectations

Wall Street Expectations

Overall, expectations for SoFi's upcoming earnings are mixed, with some investors hopeful for continued growth while others remain cautious due to recent stock performance.

Bull Case

Optimistically, if SoFi can demonstrate strong user growth and solid loan originations, it could signal a robust demand for its services, driving the stock higher.

Bear Case

Conversely, if the company fails to meet growth expectations or if macroeconomic conditions worsen, it could lead to further declines in stock price.

Key Metrics to Watch

Earnings Per Share (EPS)

$0.12

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

User Growth

N/A

An increase in user growth can signal rising demand for SoFi's services and potential revenue growth.

Loan Originations

N/A

Loan originations reflect the company's ability to attract borrowers, which is crucial for revenue generation.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the user growth rate this quarter?

User growth is critical for SoFi's long-term success and will indicate whether the company's marketing strategies are effective.

How have loan originations performed compared to last quarter?

Loan originations directly impact revenue, and any significant changes could affect investor confidence.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating SoFi's potential for user growth, especially given recent trends in consumer finance favoring digital solutions.

Supporting Evidence

SoFi has consistently beaten EPS estimates, indicating stronger performance than expected.

The options market is pricing in a larger move than historical averages suggest, indicating potential for a surprise.

Recent consumer trends show increased demand for integrated financial services, which SoFi provides.

Key Risk

If user growth comes in below 10%, it could undermine the bullish narrative.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter, the focus is on user growth and loan origination performance, which are crucial for SoFi's revenue trajectory.

Bull Confirmed If

User growth exceeding 15% quarter-over-quarter would strongly support the bull case.

Bear Confirmed If

A decline in loan originations compared to the previous quarter would confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±10.05%

Historical Avg

±6.5%

Pricing rich

The options market is pricing in a significant move of about 10% in either direction, indicating uncertainty around the earnings report.

Options are pricing ±10.0% while SOFI has averaged ±6.5% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.6%

30d HV

66.5%

Calls (25.6M)P/C Ratio: 0.29Puts (6.9M)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 12 of 25 (48%)

This setup has occurred 30 times across Financials in the last 2 years. 12 of 25 faded and 13 held — no strong directional bias after the initial reaction. The average absolute 1-day move is 2.4%, with a raw directional average of -0.0% (roughly flat historical bias).

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If SoFi beats expectations, history suggests a potential stock increase of around 5.5%, confirming positive market sentiment.

In-Line / Cautious

If results are in line but management provides cautious guidance, the stock may react neutrally or slightly down.

Miss

A miss could lead to a decline in stock price, with historical patterns suggesting a drop around 6.55%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on user growth metrics and how they compare to previous quarters.
2Details on loan origination performance and any changes in lending criteria.
3Insights into customer acquisition costs and marketing effectiveness.
4Management's outlook on the competitive landscape in consumer finance.
5Any commentary on macroeconomic factors affecting consumer spending.

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Company Snapshot

SoFi Technologies, Inc. is a financial services company that offers a range of products including loans, investment services, and insurance....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

$0.12

User Growth

An increase in user growth can signal rising demand for SoFi's services and potential revenue growth.

N/A

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

SOFI Q2-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

100%

Avg EPS Surprise

+46.16%

Avg Stock Reaction

-3.08%

Last Quarter Recap

Management Promises & Guidance

Continued focus on expanding product offerings.
Commitment to improving user experience.
Plans to enhance marketing efforts to attract new customers.

Expectations

Wall Street Expectations

Overall, expectations for SoFi's upcoming earnings are mixed, with some investors hopeful for continued growth while others remain cautious due to recent stock performance.

Bull Case

Optimistically, if SoFi can demonstrate strong user growth and solid loan originations, it could signal a robust demand for its services, driving the stock higher.

Bear Case

Conversely, if the company fails to meet growth expectations or if macroeconomic conditions worsen, it could lead to further declines in stock price.

Key Metrics to Watch

Earnings Per Share (EPS)

$0.12

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

User Growth

N/A

An increase in user growth can signal rising demand for SoFi's services and potential revenue growth.

Loan Originations

N/A

Loan originations reflect the company's ability to attract borrowers, which is crucial for revenue generation.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the user growth rate this quarter?

User growth is critical for SoFi's long-term success and will indicate whether the company's marketing strategies are effective.

How have loan originations performed compared to last quarter?

Loan originations directly impact revenue, and any significant changes could affect investor confidence.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating SoFi's potential for user growth, especially given recent trends in consumer finance favoring digital solutions.

Supporting Evidence

SoFi has consistently beaten EPS estimates, indicating stronger performance than expected.

The options market is pricing in a larger move than historical averages suggest, indicating potential for a surprise.

Recent consumer trends show increased demand for integrated financial services, which SoFi provides.

Key Risk

If user growth comes in below 10%, it could undermine the bullish narrative.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter, the focus is on user growth and loan origination performance, which are crucial for SoFi's revenue trajectory.

Bull Confirmed If

User growth exceeding 15% quarter-over-quarter would strongly support the bull case.

Bear Confirmed If

A decline in loan originations compared to the previous quarter would confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±10.05%

Historical Avg

±6.5%

Pricing rich

The options market is pricing in a significant move of about 10% in either direction, indicating uncertainty around the earnings report.

Options are pricing ±10.0% while SOFI has averaged ±6.5% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.6%

30d HV

66.5%

Calls (25.6M)P/C Ratio: 0.29Puts (6.9M)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 12 of 25 (48%)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If SoFi beats expectations, history suggests a potential stock increase of around 5.5%, confirming positive market sentiment.

In-Line / Cautious

If results are in line but management provides cautious guidance, the stock may react neutrally or slightly down.

Miss

A miss could lead to a decline in stock price, with historical patterns suggesting a drop around 6.55%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on user growth metrics and how they compare to previous quarters.
2Details on loan origination performance and any changes in lending criteria.
3Insights into customer acquisition costs and marketing effectiveness.
4Management's outlook on the competitive landscape in consumer finance.
5Any commentary on macroeconomic factors affecting consumer spending.