SoFi stock heads into October 27 earnings with revenue up 40 percent

Published on 10/06/2026 at 12:27 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

SoFi stock approaches the October 27 report after Q2 GAAP net income reached USD 156.6 million, up 61 percent year over year. Loan originations hit USD 14.8 billion.

SOFI, US83406F1021, Illustration mit AI erstellt.

SoFi Technologies (ISIN US83406F1021) delivered second-quarter adjusted net revenue of USD 1.2 billion, up 40 percent year over year, according to Yahoo Finance in its October 5, 2026 report. The next scheduled checkpoint is the October 27, 2026 release of third-quarter results, with the timing published by SoFi.

Revenue growth meets a profit test

SoFi's Q2 GAAP net income climbed 61 percent year over year to USD 156.6 million, while diluted earnings per share reached USD 0.12, according to Yahoo Finance. The combination gives the October 27 report two clear benchmarks: whether revenue can keep expanding at the Q2 rate and whether earnings can rise alongside that growth.

Lending remained the largest operating driver in Q2. Lending net revenue increased 63 percent to USD 724.8 million, while total loan originations reached USD 14.8 billion, according to Zacks.

Credit quality remains the operating gauge

Personal-loan annualized net charge-offs fell to 2.62 percent in Q2 from 3.03 percent in the prior quarter, while 90-day delinquencies stood at 40 basis points, Zacks reported on September 22, 2026. Those figures matter because SoFi is expanding loan volume while retaining exposure to consumer-credit performance.

The business mix also carries a counterweight. Technology Platform revenue fell 23 percent year over year after a large client left the platform at the end of 2025, according to Yahoo Finance, making lending growth and fee-based revenue especially important for the next report.

Analysts see a wider valuation gap

The published analyst consensus is Neutral from 22 analysts, with an average 12-month price target of USD 20.35, a high of USD 30.00 and a low of USD 12.00, according to Investing.com. Against the USD 15.92 reference price, the average target lies 27.83 percent above the price, leaving the October 27 results as the next test of that valuation view.

SoFi stock holds above USD 15

SoFi stock was last at USD 15.92 on Nasdaq on October 5, 2026 at 4:00 p.m. ET, up 0.95 percent from the prior close of USD 15.77. The stock's next major company date is October 27, 2026.