Equity Profile

SOFI

SoFi Technologies, Inc.

FinancialsConsumer Finance$20.4B

Apr29Wed

Post-Earnings Recap

ReportedQ1-2026Pre-Market7:00 AM EDT

SoFi Technologies Beats on EPS, Stock Up 0.03%

Metric	Actual	Expected	Surprise
EPS	$0.12	$0.12	+1.69%
Revenue	N/A	$1.0B	N/A

management commentary, guidance changes, and full analysis available with Pro.

SoFi Technologies Beats on EPS, Stock Up 0.03%

Key Numbers

Metric	Actual	Expected	Surprise
EPS	$0.12	$0.12	+1.69%
Revenue	N/A	$1.0B	N/A

Management Commentary

Tone: Cautiously Optimistic

Overall, management conveyed a sense of cautious optimism regarding future growth. They emphasized their commitment to improving user engagement and technology investments.

Management highlighted strong user growth and engagement metrics.

They noted ongoing investments in technology to enhance customer experience.

The team expressed confidence in their long-term strategy despite current market challenges.

What It Means

SoFi Technologies reported a slight earnings beat on EPS, which contributed to a modest stock increase of 0.03%. The lack of revenue data and guidance may leave investors cautious, but management's focus on user growth and technology investments suggests a commitment to long-term success. Overall, the results indicate stability in earnings despite broader market uncertainties.

Company Snapshot

SoFi Technologies, Inc. (SOFI) operates in the financial sector, focusing on consumer finance....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well SoFi is managing its costs and revenues.

$0.12

Revenue

Total revenue reflects the company's ability to grow its customer base and product offerings, which is crucial for its long-term success.

$1.0B

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

Original Pre-Earnings Preview

Context

Company Snapshot

SoFi Technologies, Inc. (SOFI) operates in the financial sector, focusing on consumer finance. The company offers a range of financial products, including loans, investment services, and banking solutions, appealing to a younger demographic seeking modern financial services.

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 the last quarter, SoFi reported an EPS of $0.13, exceeding expectations by 10.17%. However, the stock experienced a decline of 6.36% the following day, indicating mixed market reactions.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect SoFi to report solid earnings, with a consensus EPS of $0.12. The market is watching closely to see if the company can maintain its growth trajectory amidst increasing competition.

Bull Case

If SoFi beats EPS estimates and shows strong revenue growth, it could indicate robust demand for its services, potentially driving the stock higher.

Bear Case

Conversely, if the company misses EPS expectations or provides weak guidance, it may raise concerns about its growth prospects, leading to a negative market reaction.

Key Metrics to Watch

EPS

$0.12

Earnings per share is a key indicator of profitability and will show how well SoFi is managing its costs and revenues.

Revenue

$1.0B

Total revenue reflects the company's ability to grow its customer base and product offerings, which is crucial for its long-term success.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will SoFi's EPS exceed the consensus estimate of $0.12?

A beat on EPS could signal strong operational performance and boost investor confidence.

What guidance will SoFi provide for future revenue growth?

Future revenue guidance will be crucial for assessing the company's growth trajectory and market positioning.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate SoFi's ability to leverage its growing customer base for higher revenue, especially in a rising interest rate environment.

Supporting Evidence

SoFi has consistently beaten EPS estimates in the past, indicating strong operational execution.

The options market is pricing a larger move than historical averages, suggesting that traders expect significant news.

Recent insider selling could indicate a cautious outlook, but it may not reflect the broader company's performance.

Key Risk

If SoFi's revenue growth exceeds $1.1B, it could challenge the current bearish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether SoFi can sustain its growth momentum in a competitive landscape.

Bull Confirmed If

An EPS of $0.13 or higher with revenue exceeding $1.0B would confirm the bull case.

Bear Confirmed If

An EPS below $0.11 or revenue below $1.0B would confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±10.46%

Historical Avg

±6.5%

Pricing rich

The options market is pricing in a significant move following the earnings report, suggesting that traders expect volatility.

Options are pricing ±10.2% while SOFI has averaged ±6.5% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

1.4%

30d HV

42.1%

Calls (19.9M)P/C Ratio: 0.57Puts (7.7M)

Edge

Insider Activity

Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.

Bought

$0.00

0 sh

0 insiders

Sold

$187,551.04

9,742 sh

1 insider

Net

$187,551.04

Net selling

Most Active Insiders· 1 open-market trade

EVP, GBUL, SIPSKeough Kelli
$187,551.04
Net selling

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 strong demand for its services.

In-Line / Cautious

If results are in line with expectations, the stock may see muted movement, as investors await further clarity on growth prospects.

Miss

Should SoFi miss expectations, history suggests a potential decline of around 2.5%, raising concerns about its growth strategy.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition rates and retention strategies.
2Details on loan origination volumes and trends in personal finance products.
3Insights into competitive pressures and market positioning.
4Management's outlook on macroeconomic factors affecting consumer finance.

See the full picture

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Company Snapshot

SoFi Technologies, Inc. (SOFI) operates in the financial sector, focusing on consumer finance....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well SoFi is managing its costs and revenues.

$0.12

Revenue

Total revenue reflects the company's ability to grow its customer base and product offerings, which is crucial for its long-term success.

$1.0B

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

Original Pre-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

In the last quarter, SoFi reported an EPS of $0.13, exceeding expectations by 10.17%. However, the stock experienced a decline of 6.36% the following day, indicating mixed market reactions.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect SoFi to report solid earnings, with a consensus EPS of $0.12. The market is watching closely to see if the company can maintain its growth trajectory amidst increasing competition.

Bull Case

If SoFi beats EPS estimates and shows strong revenue growth, it could indicate robust demand for its services, potentially driving the stock higher.

Bear Case

Conversely, if the company misses EPS expectations or provides weak guidance, it may raise concerns about its growth prospects, leading to a negative market reaction.

Key Metrics to Watch

EPS

$0.12

Earnings per share is a key indicator of profitability and will show how well SoFi is managing its costs and revenues.

Revenue

$1.0B

Total revenue reflects the company's ability to grow its customer base and product offerings, which is crucial for its long-term success.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will SoFi's EPS exceed the consensus estimate of $0.12?

A beat on EPS could signal strong operational performance and boost investor confidence.

What guidance will SoFi provide for future revenue growth?

Future revenue guidance will be crucial for assessing the company's growth trajectory and market positioning.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate SoFi's ability to leverage its growing customer base for higher revenue, especially in a rising interest rate environment.

Supporting Evidence

SoFi has consistently beaten EPS estimates in the past, indicating strong operational execution.

The options market is pricing a larger move than historical averages, suggesting that traders expect significant news.

Recent insider selling could indicate a cautious outlook, but it may not reflect the broader company's performance.

Key Risk

If SoFi's revenue growth exceeds $1.1B, it could challenge the current bearish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether SoFi can sustain its growth momentum in a competitive landscape.

Bull Confirmed If

An EPS of $0.13 or higher with revenue exceeding $1.0B would confirm the bull case.

Bear Confirmed If

An EPS below $0.11 or revenue below $1.0B would confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±10.46%

Historical Avg

±6.5%

Pricing rich

The options market is pricing in a significant move following the earnings report, suggesting that traders expect volatility.

Options are pricing ±10.2% while SOFI has averaged ±6.5% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

1.4%

30d HV

42.1%

Calls (19.9M)P/C Ratio: 0.57Puts (7.7M)

Edge

Insider Activity

Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.

Bought

$0.00

0 sh

0 insiders

Sold

$187,551.04

9,742 sh

1 insider

Net

$187,551.04

Net selling

Most Active Insiders· 1 open-market trade

EVP, GBUL, SIPSKeough Kelli
$187,551.04
Net selling

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 strong demand for its services.

In-Line / Cautious

If results are in line with expectations, the stock may see muted movement, as investors await further clarity on growth prospects.

Miss

Should SoFi miss expectations, history suggests a potential decline of around 2.5%, raising concerns about its growth strategy.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition rates and retention strategies.
2Details on loan origination volumes and trends in personal finance products.
3Insights into competitive pressures and market positioning.
4Management's outlook on macroeconomic factors affecting consumer finance.